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Terms of Service

PrecordAI LLC

Effective Date: April 5, 2026

1. Acceptance and Binding Agreement

These Terms of Service ("Terms") constitute a legally binding agreement between PrecordAI LLC, an Ohio limited liability company ("PrecordAI," "we," "us," or "our"), and the individual or entity purchasing or using the services described herein ("you," "your," or "User"). By accessing, viewing, registering for, or using any PrecordAI services, including but not limited to our web platform, mobile applications, reports, and AI-generated home inventory documentation (collectively, the "Service"), you unconditionally accept and agree to be bound by these Terms. If you do not agree to all provisions herein, you must not use the Service. Your continued use of the Service after any modifications to these Terms constitutes acceptance of those modifications.

2. Service Description

2.1 Service Overview

PrecordAI provides an AI-powered home inventory documentation service that analyzes user-submitted photographs of residential spaces and generates written inventory reports. The Service uses Anthropic's Claude AI to process images and produce estimates and descriptions. Users select a pricing tier ("Starter," "Standard," or "Premium") and provide photographs of rooms within their residential property.

2.2 Service Tiers

2.3 Non-Professional Service

PrecordAI explicitly does NOT provide professional appraisals, valuations, insurance underwriting, claims adjustment, legal advice, tax advice, estate planning advice, or any form of professional services. The Service is provided for informational and organizational purposes only. PrecordAI is not licensed as an insurance company, appraiser, adjuster, attorney, or financial advisor in any jurisdiction. Users must not rely on PrecordAI reports for insurance claims, regulatory compliance, legal proceedings, or any material financial decisions. Consult qualified professionals for such purposes.

3. User Eligibility and Representations

3.1 Age Requirement

You represent and warrant that you are at least 18 years of age and possess the legal authority to enter into binding contracts. If you are registering on behalf of an entity, you represent that you are an authorized representative with full authority to bind that entity to these Terms.

3.2 User Representations

You represent and warrant that: (a) you own or have authority to document the residential property being photographed; (b) you have obtained all necessary permissions to use the Service; (c) you will not use the Service for any unlawful purpose; and (d) all information you provide is accurate, current, and complete.

4. Payment and Billing

4.1 Payment Processing

All payments are processed through Stripe. By providing payment information, you authorize PrecordAI and Stripe to charge the applicable fee for the Service tier you select. You agree to pay all charges incurred under your account. Stripe's Terms of Service are available at stripe.com/legal and are incorporated by reference.

4.2 Billing Records

Billing records created by Stripe are the authoritative record of all transactions. PrecordAI is not responsible for errors or disputes involving payment processing. Contact Stripe directly for payment-related issues.

4.3 No Automatic Renewal

Each report purchase is a one-time transaction unless you explicitly opt into a recurring plan. There are no automatic renewals or recurring charges unless separately agreed to in writing.

5. Refund Policy

5.1 Tiered Refund Structure

PrecordAI offers the following refund policy:

5.2 Refund Request Process

All refund requests must be submitted in writing to PrecordAI within the applicable timeframe. Requests must include your account email, transaction ID, and detailed description of the issue. PrecordAI will review each request and respond within 10 business days.

5.3 No Other Refunds

Except as explicitly stated above, all sales are final. PrecordAI does not offer refunds for dissatisfaction, change of mind, unused services, or failure to use the Service as intended.

6. Service Disclaimers and Limitations

6.1 AS IS, AS AVAILABLE Service

The Service is provided "as is" and "as available," with all faults and without warranty of any kind. PrecordAI makes no representations or warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, or timeliness. To the extent permitted by law, PrecordAI disclaims all warranties, representations, and conditions, whether oral, written, statutory, or implied.

6.2 AI-Generated Content Limitations

AI-generated content may contain: inaccuracies, hallucinations, outdated information, incomplete descriptions, or speculative valuations. The AI uses training data and cannot access real-time market information, current pricing databases, or live comparable sales data. Estimates are NOT professional appraisals and should never be used for insurance underwriting, loan applications, tax valuations, or legal proceedings. PrecordAI does not warrant the accuracy of any estimate or description provided by the AI system.

6.3 Third-Party Services

PrecordAI relies on third-party services including but not limited to Anthropic's Claude API, Stripe for payments, Google Sheets for data storage, Twilio for SMS notifications, Hostinger for hosting, n8n for workflow automation, and Cloudflare for CDN, DNS, and object storage. PrecordAI has no control over these services and disclaims all liability for their availability, performance, or security. You agree to review the terms of service for each third-party provider:

6.4 No Guarantee of Results

PrecordAI does not guarantee that any inventory report will achieve your intended goals, including improved insurance claims outcomes, tax deductions, or estate planning benefits. Insurance companies and other third parties may reject, request modifications to, or assign different values to PrecordAI reports. Use of the Service does not guarantee insurance coverage, claim approval, or any other outcome.

6.5 Data Accuracy and Completeness

While PrecordAI's team reviews reports, accuracy is not guaranteed. Items may be missed, misidentified, or incorrectly valued. Users are solely responsible for verifying the completeness and accuracy of their inventory and for conducting their own due diligence before relying on any report for important decisions.

6.6 Prohibition on Sole Reliance

USER AGREES THAT THEY WILL NOT RELY ON ANY PRECORDAI REPORT AS THE SOLE BASIS FOR INSURANCE COVERAGE DECISIONS, CLAIM SUBMISSIONS, VALUATION DETERMINATIONS, LEGAL FILINGS, OR ANY MATERIAL FINANCIAL DECISION. PRECORDAI DOES NOT REPRESENT THAT ANY INSURANCE CARRIER, LENDER, GOVERNMENT AGENCY, OR OTHER THIRD PARTY ACCEPTS OR RECOGNIZES ITS REPORTS AS PROOF OF OWNERSHIP, VALUATION, OR CONDITION.

6.7 No Storage Guarantee

PrecordAI does not guarantee long-term storage, availability, or accessibility of reports, photographs, or any user data beyond the applicable retention period described in the Privacy Policy. Users are solely responsible for downloading, saving, and maintaining independent copies of all reports and submitted materials. PrecordAI shall not be liable for any loss or damage resulting from a user's failure to maintain independent copies. PrecordAI has no obligation to retain submitted photographs or underlying source data beyond the retention periods described in the Privacy Policy unless required by law.

6.8 Experimental AI Technology

The Service incorporates artificial intelligence and machine learning components that are experimental and evolving in nature. AI models, algorithms, and processing methods may be updated, modified, or replaced over time, which may result in changes to report outputs, accuracy levels, formatting, or feature availability. By using the Service, you acknowledge and accept the inherent variability of AI-generated outputs and agree that such changes do not constitute a breach of these Terms or a basis for claims against PrecordAI.

6.9 Third-Party Infrastructure and Data Breach Limitation

PrecordAI shall not be liable for unauthorized access to, disclosure of, or loss of user data caused by security breaches, vulnerabilities, or failures of third-party infrastructure providers (including but not limited to Anthropic, Stripe, Cloudflare, Google, Hostinger, Resend, and n8n) that are beyond PrecordAI's reasonable control. PrecordAI will use commercially reasonable security measures but does not warrant that such measures will prevent all unauthorized access.

6.10 Not Claim Valuation

PrecordAI reports are documentation tools only and are not intended to establish scope of loss, replacement cost value (RCV), actual cash value (ACV), depreciation schedules, or claim settlement amounts.

7. Warranty Disclaimers

Except as expressly provided in these Terms, PrecordAI disclaims all warranties, express, implied, or statutory, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. PrecordAI does not warrant that: (a) the Service will meet your requirements; (b) the Service will be uninterrupted, timely, secure, or error-free; (c) any defects or errors will be corrected; or (d) the Service is free from viruses or other harmful components.

8. Limitation of Liability

8.1 Cap on Liability

To the maximum extent permitted by applicable law, PrecordAI's total liability to you for any and all claims arising out of or relating to this agreement or the Service shall not exceed the total amount of fees you paid to PrecordAI in the 12 months preceding the claim. This limitation applies regardless of whether liability arises from contract, tort, strict liability, warranty, or any other legal theory.

8.2 Excluded Damages

In no event shall PrecordAI be liable for: (a) indirect, incidental, special, consequential, or punitive damages; (b) lost profits, lost revenue, lost savings, lost data, or business interruption; (c) damages arising from reliance on any AI-generated content or estimates; or (d) claims by third parties, including insurance companies, lenders, or government agencies. This exclusion applies even if PrecordAI has been advised of the possibility of such damages.

8.3 Disclaimer for Third-Party Actions

PrecordAI is not liable for any third party's rejection, modification, undervaluation, or misuse of any report. If an insurance company denies a claim, a lender rejects a loan application, a tax authority disputes a deduction, or any other third party takes adverse action based on a PrecordAI report, that liability rests solely with the third party and the user's decision to rely on the report for such purposes.

9. Indemnification

You agree to indemnify, defend, and hold harmless PrecordAI LLC, its officers, directors, employees, agents, and successors from and against all claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any law or third-party right; (d) your reliance on any PrecordAI report for insurance, legal, financial, or tax purposes; (e) your failure to obtain appropriate professional advice before using reports for important decisions; or (f) claims by insurance companies, lenders, government agencies, or other third parties related to your use of the Service. This indemnification obligation shall apply except to the extent caused by PrecordAI's gross negligence or willful misconduct.

10. Assumption of Risk

You assume all risks associated with your use of the Service, including but not limited to: (a) risks that AI-generated content is inaccurate, incomplete, or misleading; (b) risks that third parties (insurance companies, lenders, tax authorities) will reject or challenge reports; (c) risks of data loss, unauthorized access, or privacy breaches; (d) risks that the Service may be temporarily unavailable; and (e) risks of financial loss, denied insurance claims, or adverse consequences resulting from use or reliance on reports. By using the Service, you voluntarily accept these risks.

11. Intellectual Property

11.1 PrecordAI Ownership

PrecordAI owns or has licensed all intellectual property rights in the Service, including the platform, website, mobile applications, code, design, documentation, and all methods, processes, and algorithms used to generate reports. This includes (but is not limited to): system prompts, custom instructions, fine-tuning methodologies, data processing workflows, and analysis techniques. These constitute trade secrets and proprietary know-how of PrecordAI.

11.2 Report Ownership and License

You own the data (photographs and property information) you provide to the Service. PrecordAI retains ownership of all underlying generation methods, system prompts, processing workflows, and Service architecture used to produce reports. Upon delivery, you receive a perpetual, non-exclusive, non-transferable license to use your delivered reports for personal home inventory and documentation purposes. You may share reports with your insurance agent, attorney, or financial advisor for personal advisory purposes. You may not: (a) resell, distribute, or commercialize reports; (b) use reports to create competing products or services; (c) modify, reverse-engineer, or extract the methodologies behind report generation; (d) represent reports as professional appraisals, insurance valuations, or legal documents; or (e) sublicense or assign your license to third parties.

11.3 Restrictions on User-Generated Content

By submitting photographs or other content to PrecordAI, you grant PrecordAI a worldwide, royalty-free, irrevocable license to use, copy, modify, and create derivative works from your submissions for the purpose of improving the Service and conducting research. Submitted content may be used to improve the Service only in anonymized, aggregated, or de-identified form unless additional consent is obtained from the user. You represent that you own or control all rights to submitted content and that its use does not violate any third-party rights.

11.4 Trademark

"PrecordAI" and all associated logos and trademarks are owned by PrecordAI LLC. You may not use these marks without prior written permission. All other trademarks and service marks referenced in the Service are the property of their respective owners.

12. Termination and Suspension

12.1 Termination Rights

Either party may terminate this agreement at any time by providing written notice. Upon termination, your access to the Service will be immediately suspended. However, all accrued obligations, indemnification obligations, liability limitations, and other provisions that by their nature should survive termination shall remain in effect.

12.2 Suspension Authority

PrecordAI may immediately suspend or terminate your account and access to the Service without notice if: (a) you violate these Terms or any applicable law; (b) you use the Service for unlawful purposes; (c) you engage in harassment, threats, or abusive conduct; (d) you attempt to reverse-engineer, hack, or circumvent the Service; (e) you provide false information; (f) you engage in fraud or misrepresentation; or (g) PrecordAI deems necessary to protect the Service, other users, or PrecordAI's reputation. Suspension does not result in a refund of fees paid.

12.3 Effect of Termination

Upon termination, all your rights to access and use the Service immediately cease. Reports may be deleted from PrecordAI's servers after a reasonable period. You remain bound by all restrictions on use and liability limitations.

13. Arbitration and Dispute Resolution

13.1 Binding Arbitration

Except for claims brought in small claims court (if available in your jurisdiction and if the claim does not exceed applicable small claims limits), you and PrecordAI agree that all disputes, claims, and controversies arising out of or relating to this agreement or the Service shall be resolved exclusively by final and binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. This includes contract claims, tort claims, statutory claims, common law claims, and any other legal theory.

13.2 Class Action Waiver

You agree that arbitration shall be conducted on an individual basis only. You waive your right to participate in any class action, class arbitration, or representative action against PrecordAI. Claims must be brought in your individual capacity, not as a plaintiff or class member in any class or representative proceeding. If a court determines that the class action waiver is unenforceable, the arbitration provision shall be deemed void and any claims shall be brought in court under Section 14 below.

13.3 Arbitration Procedures

The arbitration shall be conducted in accordance with AAA Commercial Arbitration Rules and shall involve a single neutral arbitrator. The arbitrator shall issue a written decision explaining the basis for the award. The arbitrator has authority to award any relief that would be available in court under applicable law.

13.4 Costs and Fees

PrecordAI shall pay all AAA administration fees and arbitrator fees. Each party shall bear its own attorneys' fees and costs, unless the arbitrator determines otherwise as required by applicable law.

13.5 Escalation and Notice

Before initiating arbitration, you agree to attempt to resolve the dispute through the following escalation process:

  1. Notice Stage — You must send written notice to PrecordAI describing the dispute, the remedy sought, and the damages claimed. PrecordAI will respond within 30 days.
  2. Negotiation Stage — If the dispute is not resolved within 30 days of PrecordAI's response, the parties agree to negotiate in good faith for an additional 30 days.
  3. Optional Mediation — Either party may, but is not required to, initiate non-binding mediation before a neutral mediator.
  4. Arbitration — If the dispute remains unresolved after the negotiation stage (and optional mediation, if pursued), either party may initiate binding arbitration.

13.6 Venue and Governing Law

Any arbitration shall take place in Medina County, Ohio, unless both parties mutually agree otherwise. The arbitrator shall apply Ohio law and the laws of the United States (without regard to conflict of law principles). However, the Federal Arbitration Act shall govern the interpretation and enforcement of the arbitration agreement.

13.7 Exceptions to Arbitration

Notwithstanding the above, the following matters are NOT subject to arbitration: (a) claims for temporary or preliminary injunctive relief to prevent irreparable harm; (b) claims for intellectual property infringement; (c) any claim that, by law, cannot be arbitrated; and (d) disputes arising in the account registration process or payment disputes directly involving Stripe or other third-party processors (which shall follow those providers' dispute resolution procedures).

14. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Ohio, without regard to its conflict of law principles. To the extent any dispute is not subject to the arbitration provision above and must be litigated in court, you irrevocably consent to the exclusive jurisdiction of the state and federal courts located in Medina County, Ohio, and agree that such courts shall be the proper forum for any such litigation.

For users located outside the United States, including within the European Union, United Kingdom, or other jurisdictions, these Terms shall also be governed by Ohio law. However, nothing in these Terms shall deprive you of protections that cannot be waived under the mandatory consumer protection laws of your jurisdiction. In the event of conflict between these Terms and such mandatory consumer protections, the mandatory consumer protections shall prevail to the extent of the conflict.

15. Data Privacy and Protection

15.1 Privacy Policy

Your use of the Service is subject to PrecordAI's Privacy Policy, which is incorporated by reference and available at precord.ai/privacy. Please review the Privacy Policy for information on how PrecordAI collects, uses, and protects your personal data.

15.2 CCPA Compliance

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, the right to opt-out of sales of personal information, and the right to non-discrimination for exercising your rights. PrecordAI will honor all CCPA rights. Submit requests to privacy@precord.ai.

15.3 GDPR Compliance

If you are a resident of the European Union, United Kingdom, or other jurisdictions with equivalent data protection laws, PrecordAI processes your personal data in compliance with the General Data Protection Regulation (GDPR). You have the right to access, rectify, delete, restrict processing, data portability, and object to processing. You also have the right to lodge a complaint with your local data protection authority. Submit requests to privacy@precord.ai.

15.4 Colorado AI Act

PrecordAI acknowledges that the Colorado AI Act requires transparency and human review for high-risk AI systems. While PrecordAI's home inventory service is not classified as "high-risk" under current interpretations, PrecordAI commits to: (a) disclosing that AI is used to generate reports; (b) maintaining human review protocols; (c) allowing users to request human review if dissatisfied with AI-generated content; and (d) maintaining reasonable security measures to prevent unauthorized access.

15.5 Data Retention and Deletion

PrecordAI retains user data, photographs, and reports for the duration of the user's account and for a reasonable period thereafter (typically 90 days) to comply with legal obligations and backup procedures. Users may request deletion of their account and associated data by contacting support@precord.ai. PrecordAI will initiate deletion within 30 days, subject to legal holds and archival obligations.

16. Communications and SMS Consent (TCPA Compliance)

16.1 SMS Notification Service

PrecordAI may use Twilio to send SMS text messages to your phone number for service-related notifications, including order confirmations, report delivery notifications, account alerts, and important updates. SMS is optional and not required to use the Service.

16.2 Express Written Consent

By providing your phone number to PrecordAI and opting into SMS notifications, you expressly consent to receive text messages at that number. This consent is required by the Telephone Consumer Protection Act (TCPA) and is separate from any marketing consent. You understand that message and data rates may apply and that messages may be sent on behalf of PrecordAI using Twilio.

16.3 SMS Message Content

SMS messages are limited to transactional and service-related communications. PrecordAI will not send marketing or promotional SMS messages without separate, prior written consent. Each SMS will include instructions for opting out (typically "STOP" to unsubscribe).

16.4 Opting Out

You may opt out of SMS notifications at any time by: (a) replying "STOP" to any SMS message; (b) updating your notification preferences in your account settings; or (c) contacting support@precord.ai. Upon opting out, PrecordAI will cease sending SMS messages within 48 hours. PrecordAI will not send further SMS messages after opt-out, except where legally required or necessary to protect account security.

16.5 Carrier Responsibility

PrecordAI is not responsible for delays, failures, or errors in SMS delivery caused by your mobile carrier, network issues, or your phone. Twilio's Terms of Service (twilio.com/legal/tos) govern the SMS service and PrecordAI disclaims all liability for SMS-related issues.

16.6 Email Communications

PrecordAI also uses email (via Resend) to communicate with users about accounts, reports, updates, and service notifications. By creating a PrecordAI account, you consent to receive emails at the address you provide. Email communications comply with CAN-SPAM regulations and include unsubscribe options.

16.7 Electronic Communications Consent

You consent to receive electronic communications from PrecordAI, including but not limited to: emails, SMS text messages, in-app notifications, and account alerts. You agree that these electronic communications satisfy any legal requirement for written notice. You may withdraw consent to electronic communications by contacting support@precord.ai, but doing so will limit your ability to use the Service.

17. Force Majeure

Neither party shall be liable for any failure or delay in performing its obligations under these Terms if such failure or delay is caused by circumstances beyond its reasonable control, including but not limited to: acts of God, natural disasters, pandemics, wars, terrorism, embargoes, government actions, power outages, internet disruptions, cyber attacks on third-party infrastructure (including Anthropic, Stripe, Google, Twilio, or Hostinger), or strikes. The affected party shall provide prompt notice and use reasonable efforts to resume performance. If a force majeure event prevents performance for more than 60 days, the affected party may terminate the agreement without liability.

18. Severability

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be severed, and the remaining provisions shall continue in full force and effect. However, if the severed provision is essential to the core bargain (such as the limitation of liability, arbitration, or class action waiver), PrecordAI may terminate the agreement. The court shall not modify any provision but shall apply the remaining terms as written.

19. Waiver

The failure of PrecordAI to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver of any provision must be in writing and signed by an authorized representative of PrecordAI. No single or partial waiver shall constitute a waiver of any subsequent or other breach.

20. Entire Agreement

These Terms, together with PrecordAI's Privacy Policy, constitute the entire agreement between you and PrecordAI regarding your use of the Service and supersede all prior negotiations, representations, understandings, and agreements, whether written or oral. No agent, representative, or employee of PrecordAI has authority to make any representation or warranty not expressly stated in these Terms. If you have received any conflicting communication, these Terms control.

21. No Third-Party Beneficiary

These Terms are intended solely for the benefit of you and PrecordAI and do not create any third-party beneficiary rights. No third party (including insurance companies, lenders, government agencies, or any other entity) has any right to enforce these Terms or any obligation arising hereunder. PrecordAI may assign its rights hereunder to a successor or affiliated entity, but this does not create any rights for third parties.

22. Export Controls and Sanctions Compliance

The Service is subject to U.S. export control laws, including the Export Administration Regulations (EAR) and the International Traffic in Arms Regulations (ITAR). You agree that you will not use the Service if you are located in, organized under the laws of, or ordinarily resident in any U.S. embargoed country (including Iran, North Korea, Syria, Crimea, and Cuba) or if you are identified on any U.S. government restricted party list (such as the OFAC SDN list). You agree not to export or re-export the Service to any restricted country or person. You warrant that you are not engaged in any activities that would violate export control laws. You further represent and warrant that you will not submit photographs or descriptions of items that constitute controlled technical data, defense articles, or other materials subject to ITAR or EAR restrictions. PrecordAI disclaims all liability arising from a user's submission of export-controlled materials.

23. Modifications to Terms

PrecordAI may modify these Terms at any time by posting updated Terms on the website or through the Service. Modifications are effective immediately upon posting. Your continued use of the Service after modifications constitutes acceptance of the modified Terms. For material changes that adversely affect your rights, PrecordAI will attempt to provide 30 days' prior notice. If you do not accept modified Terms, you must stop using the Service.

24. Professional Partner Program

24.1 Eligibility

Insurance agents, public adjusters, attorneys, estate planners, and other professional intermediaries may apply for participation in the Professional Partner Program to resell PrecordAI reports to their clients. Professional Partner participation is subject to additional terms and a separate agreement that will be provided upon approval.

24.2 Professional Independence

Professional Partners, insurance agents, public adjusters, attorneys, and other professionals act independently and are not representatives, employees, or agents of PrecordAI. PrecordAI does not supervise, control, or participate in claim preparation, valuation, negotiation, or advisory services performed by such professionals.

24.3 Restrictions

Professional Partners agree that: (a) reports generated through the Professional Partner Program remain the intellectual property of PrecordAI; (b) Professional Partners may not modify, rebrand, or claim ownership of reports; (c) Professional Partners will not represent themselves as appraisers, valuators, or professional advisors on behalf of PrecordAI; (d) Professional Partners will include prominent disclaimers that reports are not professional appraisals; and (e) Professional Partners are solely responsible for any claims or disputes raised by their clients.

24.4 Indemnification by Professional Partners

Professional Partners agree to indemnify PrecordAI for all claims arising from the Professional Partner's resale, distribution, or representation of reports to clients, including claims that the Professional Partner misrepresented the nature or accuracy of reports.

25. Contact and Notices

All notices and communications required under these Terms should be directed to:

PrecordAI LLC
Legal Department
Email: legal@precord.ai
Support: support@precord.ai
Privacy: privacy@precord.ai

PrecordAI may deliver notices via email to the address associated with your account, via SMS to your provided phone number, or by posting notice on the website. Notice via email is deemed received 24 hours after sending. User notices must be in writing and directed to the above addresses.

26. Survival

The following provisions shall survive termination of this agreement: indemnification (Section 9), limitation of liability (Section 8), disclaimers and warranties (Sections 6 and 7), intellectual property (Section 11), arbitration (Section 13), governing law (Section 14), privacy and data protection (Section 15), force majeure (Section 17), severability (Section 18), waiver (Section 19), entire agreement (Section 20), no third-party beneficiary (Section 21), and all other provisions that by their nature are intended to survive.

27. Interpretation

These Terms shall be construed fairly and equally, and no interpretation shall be made in favor of or against either party based on who drafted the document. The section headings are for reference only and do not affect the meaning or interpretation of the Terms. The use of "including" means "including without limitation." No course of dealing, course of performance, or trade practice shall modify or amend these Terms unless done so in writing by both parties.

Acknowledgment and Agreement

By accessing or using PrecordAI's Service, you acknowledge that you have read and understood these Terms of Service, you agree to be bound by all provisions, and you expressly waive any rights you may have to dispute the enforceability of the arbitration clause, class action waiver, and limitation of liability. You agree that your use of the Service constitutes acceptance of this entire agreement.

Last Updated: April 5, 2026

PrecordAI LLC

Medina County, Ohio