Website Terms of Use

Definitions

Throughout these Terms, the following definitions apply:

• "Your Input" means information, data, text, and instructions you provide to the Service for document generation.
• "Your Documents" means the documents and outputs generated by the Service based on Your Input.
• "Document Content" means the combined substance of Your Input and Your Documents.
• "AI Providers" means third-party artificial intelligence service providers we use, including Anthropic, OpenAI, Google, and Perplexity.
• "Material Changes" means modifications to: (a) liability limitations; (b) arbitration or dispute resolution provisions; (c) restrictions on Service use; (d) pricing exceeding 10%; (e) data processing or AI training practices; or (f) intellectual property rights.
• "Consumer" means an individual acting for purposes outside their trade, business, craft, or profession.

1. Acceptance of Terms

1.1 Agreement to Terms - Click-Wrap Acceptance Required

These Terms constitute a legally binding agreement between you and Nero L.D. Consulting LTD, an Israeli limited company ("Pactlio," "we," "us," or "our"). If you do not agree with any part of these Terms, you must not click any acceptance button and must not access or use our Service.

Acceptance Record: Your acceptance of these Terms is recorded with a timestamp and version identifier in our systems. You may request a copy of your acceptance record at any time by contacting support@pactlio.com.

You must be at least 18 years old or the age of legal majority in your jurisdiction to use our Service. By accepting these Terms, you represent that you meet this age requirement, have the legal capacity to enter into binding agreements, and are not prohibited from using the Service under applicable law.

If you are accepting these Terms on behalf of a company, organization, or other legal entity, you represent and warrant that you have full authority to bind that entity to these Terms, and "you" refers to both you individually and that entity.

1.2 Service Description

Pactlio provides an AI-powered platform that generates legal document drafts based on user inputs. Our Service includes document generation, multi-agent AI review, document storage, and export functionality.

2. Account Registration and Security

2.1 Account Creation

To access certain features, you must create an account using accurate, complete, and current information. You agree to update your account information promptly when changes occur.

Account creation is limited to:

• One account per individual person
• One account per business or organization

2.2 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must:

• Use a strong, unique password
• Not share your credentials with any third party
• Notify us immediately at security@pactlio.com if you suspect unauthorized access
• Log out from shared devices after each session

2.3 Account Termination

We reserve the right to suspend or terminate accounts that violate these Terms, engage in fraudulent activity, or remain inactive for more than 24 months. We will provide 30 days notice before terminating accounts for inactivity, except where immediate termination is required due to fraud, illegal activity, or Terms violations.

3. Permitted Use of Services

3.1 License Grant

Subject to your compliance with these Terms and your acceptance via affirmative action (clicking "I Accept" or similar), we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal or internal business purposes.

3.2 Acceptable Use

You may use the Service only for lawful purposes, including:

• Generating document drafts as starting points for professional review
• Storing and managing your documents within the Service
• Exporting documents for further editing, review, or professional legal consultation
• Sharing documents with attorneys, advisors, or counterparties for review

4. Prohibited Conduct

4.1 Prohibited Activities

You agree NOT to use the Service to:

• Generate documents for illegal purposes or to facilitate illegal activity
• Create documents intended to defraud, deceive, or harm others
• Produce content that violates intellectual property rights of third parties
• Impersonate any person or entity or misrepresent your affiliation
• Attempt to reverse engineer, decompile, or extract the underlying AI models or algorithms
• Use automated systems (bots, scrapers) to access the Service without authorization
• Circumvent security measures, access controls, or rate limits
• Transmit malware, viruses, or other harmful code
• Interfere with or disrupt the Service, servers, or networks
• Use the Service to develop competing products or services
• Resell, redistribute, or commercially exploit the Service without authorization
• Provide legal advice to third parties based on Service outputs
• Represent yourself as an attorney or legal professional when you are not
• Attempt to manipulate or bypass AI safety filters or content policies
• Submit information controlled under export control laws (ITAR, EAR) or classified information
• Use the Service in violation of any applicable export control or sanctions laws

4.2 High-Risk Document Prohibition

• Documents for use in criminal defense or prosecution proceedings
• Immigration applications, petitions, or supporting documents
• Child custody agreements or documents affecting parental rights
• Wills, trusts, or estate planning documents without subsequent review by a licensed estate planning attorney
• Documents intended to be filed with courts, regulatory agencies, or government bodies without attorney review
• Healthcare directives, living wills, or medical powers of attorney without professional review
• Documents for regulated industries (securities, banking, insurance) without compliance review
• Any document where errors could result in physical harm, loss of liberty, or deprivation of fundamental rights

Violation of these prohibitions may result in immediate termination of your account, forfeiture of any prepaid fees, and potential legal action.

4.3 Will and Estate Planning Document Limitations

4.4 Will Data Sensitivity Acknowledgment

By using our will generation service, you acknowledge and consent to the following:

• Sensitive Data Collection: Will generation requires collecting highly sensitive information including beneficiary names and relationships, minor children details, executor and guardian contact information, and asset descriptions
• AI Processing: This sensitive information is processed by multiple third-party AI providers (Anthropic, OpenAI, Google, Perplexity) located in the United States
• Data Storage: Will data is stored in our database while your account is active and for 30 days following account deletion
• No Digital Asset Credentials: You should NEVER enter passwords, private keys, seed phrases, or access credentials for digital assets. We recommend referencing a separate secure document for such information.

4.5 Contract Generation Data Acknowledgment

By using our contract generation services, you acknowledge and consent to the following:

• Business Data Collection: Contract generation requires collecting business information including party names, addresses, deal terms, payment amounts, IP ownership preferences, and other commercially sensitive information
• AI Processing: Your contract details are processed by multiple third-party AI providers (Anthropic, OpenAI, Google, Perplexity) located in the United States to generate document drafts
• Multi-Agent Review: Your contract content is reviewed by multiple AI agents (Drafter, Critic, Checker) through our consensus system, each powered by different AI providers
• Legal Research: Our system may perform web searches via Perplexity to retrieve current legal information relevant to your contract type and jurisdiction. Research results are cached for 7 days.
• Non-Unique Outputs: AI-generated contracts may not be unique. Other users with similar deal terms may receive substantially similar document text.
• Data Storage: Contract data is stored in our database while your account is active. You may delete individual contracts at any time.

4.6 Founders Agreement Special Provisions

If you use the Service to generate founders or co-founder agreements, you additionally acknowledge:

• Equity Information: You will provide equity percentages, vesting schedules, and capital contributions that are processed by AI systems
• Co-Founder Data: You may provide contact information and personal details of other founders who should be notified and consent to the agreement
• Tax and Securities Implications: Founders agreements have significant tax and securities law implications that vary by jurisdiction. AI cannot account for your specific tax situation.
• 83(b) Elections: If your agreement involves restricted stock, you may need to file an 83(b) election with the IRS within 30 days. This is YOUR responsibility; the Service does not file tax documents.
• State Formation Requirements: Business formation requirements vary by state. The generated agreement may not comply with your state's specific requirements.

4.7 NDA and Confidentiality Agreements

If you use the Service to generate NDAs or confidentiality agreements:

• Not Self-Protecting: The NDA generated by this Service does NOT protect information you provide to the Service. Information you enter is subject to our Privacy Policy, not your NDA.
• Counterparty Review: The other party to your NDA should review the document with their own counsel before signing.
• Enforceability Varies: NDA enforceability varies dramatically by jurisdiction and subject matter. Some jurisdictions limit or prohibit certain types of NDAs (e.g., those covering illegal activity, workplace harassment, or overly broad restrictions).

4.8 Employment and Separation Agreements

If you use the Service to generate employment-related documents:

• Employment Law Complexity: Employment law is highly jurisdiction-specific. Generated documents may not comply with local labor laws, minimum wage requirements, or statutory benefits.
• Separation Agreement Timing: Many jurisdictions require specific consideration periods (e.g., ADEA requires 21-45 days for age discrimination releases). AI cannot ensure compliance with timing requirements.
• At-Will Limitations: Not all jurisdictions recognize at-will employment. Generated documents assuming at-will status may be unenforceable in some locations.
• Non-Compete Restrictions: Non-compete clauses are heavily restricted or prohibited in many jurisdictions (California, Minnesota, North Dakota, Oklahoma, and others). AI cannot guarantee your non-compete provisions are enforceable.

5. Payment Terms

5.1 Fees and Billing

Current pricing is displayed on our website. We reserve the right to modify pricing with 30 days' notice to existing subscribers. Price changes exceeding 10% constitute Material Changes requiring re-acceptance.

Payments are processed by Lemon Squeezy, our third-party payment processor. By making a purchase, you agree to Lemon Squeezy's terms of service and privacy policy.

Subscription plans renew automatically at the end of each billing period unless cancelled. You may cancel at any time through your account settings. Cancellation takes effect at the end of the current billing period.

5.2 Taxes

Prices do not include applicable taxes (VAT, GST, sales tax). You are responsible for all applicable taxes based on your location. Where required by law, Lemon Squeezy will collect and remit applicable taxes.

5.3 Refunds

Single document purchases are non-refundable once the document has been generated. Subscription refunds may be available within 14 days of initial purchase if no documents have been generated.

For UK and EU consumers: You have a statutory 14-day cooling-off period from the date of purchase. If you request document generation during this period, you acknowledge that you may lose your right to cancel once the digital content is delivered. If the generated document is materially defective or fails to reflect the information you provided, you may be entitled to a refund or partial refund within 30 days of generation, in addition to your statutory rights.

Refunds may also be granted in situations such as:

• Billing errors (e.g., duplicate charges)
• Service outages preventing use of paid features for extended periods
• Accidental purchases when reported within 48 hours

To request a refund, contact support@pactlio.com with your account email, charge details, and reason for the request.

6. Intellectual Property Rights

6.1 Our Intellectual Property

The Service, including its design, features, AI models, algorithms, software, and documentation, is owned by Nero L.D. Consulting LTD and protected by copyright, trademark, patent, and other intellectual property laws in Israel and internationally.

You receive only a limited license to use the Service as described in these Terms. All rights not explicitly granted remain with us.

6.2 Your Documents

You retain all ownership rights in Your Input and Your Documents. We do not claim ownership of Your Documents.

By using the Service, you grant Pactlio a limited, non-exclusive, worldwide license to process Your Input to provide the Service, store Your Documents on your behalf, and use anonymized and aggregated data to improve our AI models and Service.

6.3 AI Training

We may use anonymized, aggregated data derived from usage patterns to train and improve our AI models. This does NOT include the specific content of Your Documents unless you explicitly opt in through your account settings.

You can opt out of having any of your data used for model training at any time through your account settings or by contacting privacy@pactlio.com. Opting out will not affect your access to the Service.

6.4 Non-Unique Output

AI-generated documents may not be unique. Other users with similar inputs may receive substantially similar document text. Do not rely on AI-generated documents for competitive advantage, trade secrets, or confidential business strategies without significant modification.

6.5 Feedback

If you provide suggestions, ideas, or feedback about the Service, you grant us a perpetual, royalty-free, worldwide license to use such feedback for any purpose without obligation to you. For users in jurisdictions that do not permit irrevocable waivers of moral rights, you grant us the broadest license permitted under applicable law.

6.6 Data Retention

We retain Your Documents for as long as your account remains active. Upon termination, Your Documents will be available for export for 30 days, after which they may be permanently deleted. Anonymized data derived from Your Documents may be retained indefinitely. Backup copies may persist for up to 90 days after deletion. We may retain data longer if required by law or to protect our legal interests.

7. Professional Disclaimer - NOT LEGAL ADVICE

7.5 Not a Substitute for Legal Counsel

The Service generates document drafts to help you create documents more efficiently. It is NOT a substitute for the advice of a qualified attorney licensed in your jurisdiction.

We STRONGLY recommend that you:

• Consult with a licensed attorney BEFORE signing or relying on any document
• Have ALL documents reviewed by qualified legal counsel in your jurisdiction
• Verify that documents comply with applicable laws in all relevant jurisdictions
• Understand that legal requirements vary significantly by jurisdiction, industry, and circumstance
• Never rely solely on AI-generated content for important legal matters

7.6 AI Limitations and Mandatory User Verification

(a) HALLUCINATIONS: AI may generate plausible-sounding but completely fabricated content, including:

• Non-existent legal precedents or case citations
• Fabricated statutory references or regulatory citations
• Incorrect statements of law that sound authoritative
• Made-up legal standards, tests, or requirements
• False claims about jurisdiction-specific requirements

(b) OUTDATED INFORMATION: AI training data has cutoff dates. The AI may not reflect:

• Recent court decisions or legislative changes
• New regulations or enforcement actions
• Evolving legal standards or interpretations
• Current market terms or industry practices

(c) JURISDICTIONAL ERRORS: AI may:

• Apply laws from the wrong jurisdiction
• Fail to account for local variations in law
• Generate provisions that are valid in some jurisdictions but invalid, unenforceable, or illegal in others
• Miss jurisdiction-specific formalities required for enforceability

(d) CONTEXT FAILURES: AI may:

• Misunderstand the nature of your transaction
• Generate provisions inappropriate for your specific circumstances
• Miss important nuances that would be obvious to a human attorney
• Apply general principles that don't fit your specific situation

7.7 Assumption of Risk

BY USING THIS SERVICE, YOU EXPRESSLY ACKNOWLEDGE AND ASSUME ALL RISKS ASSOCIATED WITH AI-GENERATED CONTENT, INCLUDING THE RISK OF HALLUCINATED, INCORRECT, INCOMPLETE, OR INAPPROPRIATE CONTENT. YOU AGREE THAT YOU WILL NOT RELY ON ANY AI-GENERATED CONTENT WITHOUT INDEPENDENT VERIFICATION BY A QUALIFIED ATTORNEY.

7.8 No Guarantee of Enforceability

We make NO representations or warranties that any document generated through the Service will be valid, enforceable, or legally binding in any jurisdiction. Legal requirements differ significantly across jurisdictions. A document that is valid in one jurisdiction may be invalid, unenforceable, or illegal in another.

Execution Requirements: Many documents require specific execution formalities to be valid, which may include:

• Notarization or acknowledgment before a notary public
• Witnessing by one or more disinterested witnesses
• Specific signature formats or placements
• Sworn statements or affidavits
• Filing with government agencies or courts
• Recording in public records
• Delivery requirements or acceptance procedures

The Service generates document text only. YOU are solely responsible for understanding and complying with all execution requirements in your jurisdiction.

Electronic Signature Limitations: While many documents can be signed electronically, certain documents cannot be validly executed with electronic signatures under applicable law, including (in many jurisdictions): wills, codicils, and testamentary trusts; negotiable instruments; documents requiring notarization; family law documents; court filings; and certain real property documents. You are responsible for determining whether your document can be validly executed electronically in your jurisdiction.

7.9 No Professional Liability Coverage

7.10 Your Responsibility

YOU ARE SOLELY RESPONSIBLE for reviewing, verifying, and ensuring the accuracy, completeness, and legal sufficiency of any document you create using the Service. You are also solely responsible for all decisions regarding the use, modification, execution, and distribution of any document.

7.11 Counterparty Disputes

If a dispute arises with a counterparty regarding a document you created using the Service, you acknowledge that: Pactlio has no obligation to support your position; Pactlio will not provide testimony or evidence regarding AI processing; Pactlio is not responsible for how counterparties interpret documents; you may not name Pactlio as a party to any such dispute; and you may not seek contribution or indemnification from Pactlio for any such dispute.

8. Third-Party Services

8.1 AI Service Providers

We use third-party AI providers to process your requests and generate documents. Your Input may be transmitted to these providers subject to their respective terms and privacy policies:

• Anthropic (Claude) - Primary document generation
• OpenAI (GPT models) - Document review and critique
• Google (Gemini) - Document verification
• Perplexity - Legal research and fact-checking

8.2 Data Transmission Acknowledgment

To provide the Service, Your Input is transmitted to third-party AI providers for processing. By using the Service (and specifically by accepting these Terms through the required click-wrap mechanism), you consent to this transmission and acknowledge that:

• Your Input may be processed on servers outside your jurisdiction
• AI providers may retain or process data according to their own policies
• We cannot guarantee how AI providers ultimately handle, store, or use your data beyond our contractual requirements
• AI provider privacy policies and terms of service apply to their processing of your data

8.3 AI Provider Contractual Protections

We maintain Data Processing Agreements with all AI providers that contractually prohibit them from using your Document Content for training their models without explicit consent. These agreements require appropriate data protection measures and are updated when providers change their policies.

8.4 AI Provider Terms Changes

AI providers may modify their terms, capabilities, or policies at any time. We are not responsible for:

• Changes to AI provider terms that affect Service functionality
• Modifications to AI model behavior or outputs
• Discontinuation of AI provider services
• AI providers using your data for model training in violation of our agreements (though we will take appropriate action if we become aware of such violations)

8.5 AI Model Updates

We may update or change the underlying AI models used in the Service at any time without notice. Such updates may result in different outputs for similar inputs. We do not guarantee consistency of outputs across model versions and disclaim all liability for changes in document quality, style, or content resulting from model updates.

8.6 Service Dependencies

The Service depends on third-party AI providers and infrastructure. We are not responsible for:

• Service interruptions due to AI provider outages
• Changes in AI output quality or consistency
• AI provider rate limiting or access restrictions
• Increased costs passed through from AI providers (with 30 days notice for subscription price increases)

8.7 Other Service Providers

We use additional third-party services to operate the Service:

• AWS Cognito - Authentication and identity management
• MongoDB Atlas - Database hosting
• Lemon Squeezy - Payment processing
• PostHog - Analytics (cookieless mode)
• Resend - Email delivery
• Render - Application hosting

We are not responsible for third-party services, including their availability, security, content, or actions. Each provider's terms and privacy policies apply to their respective services.

8.8 Data Breach at AI Providers

In the event of a data breach at an AI provider affecting Your Input or Your Documents, we will notify you as required by applicable law. However, our ability to provide specific information about such breaches may be limited by what the AI provider discloses to us. We maintain cyber liability insurance covering certain data breaches by our subprocessors.

9. Disclaimers

9.1 Service Provided "As Is"

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

9.2 No Warranty

We do not warrant that:

• The Service will meet your requirements or expectations
• The Service will be uninterrupted, timely, secure, or error-free
• Documents generated will be accurate, complete, current, or legally enforceable
• Any errors in the Service will be corrected
• The Service will be compatible with your systems or devices
• Results obtained through the Service will be accurate, reliable, or suitable for any purpose
• AI-generated content will be free from hallucinations, errors, or fabricated information

9.3 AI Training Data Disclaimer

THE AI MODELS UNDERLYING THE SERVICE ARE TRAINED ON THIRD-PARTY DATA THAT MAY CONTAIN ERRORS, OUTDATED INFORMATION, JURISDICTIONAL INACCURACIES, OR BIASES. WE MAKE NO WARRANTY REGARDING THE ACCURACY, CURRENCY, OR APPROPRIATENESS OF THE TRAINING DATA OR THE OUTPUTS DERIVED THEREFROM.

10. Limitation of Liability

10.1 Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PACTLIO, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Any loss of profits, revenue, data, or business opportunities
• Any damages arising from your reliance on documents generated by the Service
• Any legal disputes, litigation costs, or judgments arising from your use of generated documents
• The legal enforceability or validity of any document
• The outcome of any transaction documented using our Service
• Any interpretation of document language by courts, arbitrators, or opposing parties
• The adequacy of any document for your specific purposes
• Any legal, financial, or business consequences of using documents generated through the Service
• Third-party claims arising from documents you create
• Regulatory or compliance failures in documents

10.2 Maximum Liability

PACTLIO'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT PAID BY YOU IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) $500 USD.

10.3 Liability Cap Exceptions

THE FOREGOING LIMITATIONS SHALL NOT APPLY TO: (A) YOUR BREACH OF SECTION 4 (PROHIBITED CONDUCT); (B) YOUR INDEMNIFICATION OBLIGATIONS UNDER SECTION 11; (C) EITHER PARTY'S FRAUD, GROSS NEGLIGENCE, OR WILLFUL MISCONDUCT; (D) EITHER PARTY'S INFRINGEMENT OF THE OTHER PARTY'S INTELLECTUAL PROPERTY RIGHTS; OR (E) PACTLIO'S BREACH OF CONFIDENTIALITY OBLIGATIONS REGARDING YOUR DATA.

10.4 Aggregate Cap

THE LIMITATIONS IN THIS SECTION 10 APPLY TO THE AGGREGATE LIABILITY OF PACTLIO AND ITS AFFILIATES ARISING FROM OR RELATED TO THESE TERMS AND THE SERVICE, REGARDLESS OF THE NUMBER OF CLAIMS, CAUSES OF ACTION, OR THEORIES OF LIABILITY.

10.5 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for incidental or consequential damages. In such jurisdictions, our liability is limited to the fullest extent permitted by applicable law. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law (including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation).

10.6 Essential Purpose

These limitations apply even if any remedy fails of its essential purpose and regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise), and even if Pactlio has been advised of the possibility of such damages.

11. Indemnification

11.1 Your Indemnification Obligation

You agree to indemnify, defend, and hold harmless Pactlio, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Your violation of any third-party rights (including intellectual property, privacy, or contractual rights)
• Your use, modification, or distribution of any document generated through the Service
• Any claim that documents you created caused harm to a third party
• Your Input or any content you submit to the Service
• Your provision of legal advice to third parties based on Service outputs
• Any unauthorized practice of law claims arising from your use of the Service

11.2 Indemnification Procedure

You must notify Pactlio promptly (and in no event later than 15 days) after becoming aware of any claim subject to indemnification. Your failure to provide timely notice shall reduce your indemnification obligation to the extent such failure prejudices Pactlio's defense. You may participate in the defense at your own expense, but Pactlio shall have sole control over the defense and settlement of any claim for which you are obligated to indemnify us.

11.3 Limited IP Indemnification by Pactlio

Pactlio will defend, indemnify, and hold you harmless against third-party claims alleging that the unmodified output generated by the Service directly infringes such third party's valid, issued copyright, provided that: (a) you promptly notify us of such claim (within 15 days); (b) you grant us sole control of the defense and settlement; and (c) you provide reasonable cooperation.

This indemnification does NOT apply to claims arising from:

• Your modifications to the generated content
• Your combination of generated content with other materials
• Your continued use after notice of alleged infringement
• Content generated based on your specific instructions, input, or uploaded materials
• Use of the generated content in violation of these Terms

PACTLIO'S TOTAL LIABILITY UNDER THIS SECTION 11.3 SHALL NOT EXCEED THE FEES PAID BY YOU IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR $5,000 USD, WHICHEVER IS GREATER.

12. Term and Termination

12.1 Termination by You

You may terminate your account at any time by contacting support@pactlio.com or through your account settings. You may download Your Documents before termination.

12.2 Termination by Pactlio

We may suspend or terminate your access immediately, without prior notice, if:

• You materially breach these Terms
• We are required to do so by law or court order
• We have documented evidence that your conduct may expose Pactlio to significant liability
• We detect fraudulent, abusive, or illegal activity
• Your payment method fails and is not updated within 7 days

For termination due to inactivity (24 months), we will provide 30 days notice before deletion of Your Documents.

12.3 Effect of Termination

Upon termination:

• Your license to use the Service immediately terminates
• You may request export of Your Documents for 30 days (except in cases of termination for fraud or illegal activity)
• We may delete Your Documents after 30 days
• We do not provide refunds for prepaid fees except as required by applicable law or as stated in Section 5.3
• Provisions that by their nature should survive will survive (including Sections 4, 5, 6, 7, 9, 10, 11, 13, 14, and 16)

12.4 Service Discontinuation

If we discontinue the Service entirely, we will provide at least 60 days notice and allow you to export Your Documents during that period. We may transfer your account and data to a successor entity in connection with an acquisition or merger, subject to this Privacy Policy.

13. Dispute Resolution

13.1 Informal Resolution

Before filing any formal dispute, you agree to contact us at disputes@pactlio.com and attempt to resolve the dispute informally for at least 30 days. Most disputes can be resolved quickly through direct communication.

13.2 Binding Arbitration

If informal resolution fails:

For users located in the United States: Any dispute shall be resolved by binding arbitration administered by JAMS under its Streamlined Arbitration Rules and Procedures. The arbitration will be conducted remotely (by videoconference) unless either party requests an in-person hearing, in which case the hearing shall be held in the county of your residence or another mutually agreed location within the United States.

For users located outside the United States (except EU/UK Consumers): Arbitration shall be administered by the Israeli Institute of Commercial Arbitration in Tel Aviv, Israel, conducted in English, with option for remote participation.

Arbitration Costs: JAMS or IICA filing fees shall be shared equally between the parties, except that Pactlio will pay your share of arbitrator fees and filing costs exceeding $250 USD for claims under $10,000 USD.

13.3 Small Claims Court Exception

Notwithstanding the foregoing, either party may bring an individual action in small claims court (or equivalent court for minor civil claims) in your jurisdiction of residence for disputes within that court's jurisdictional limits.

13.4 Class Action Waiver

YOU AND PACTLIO AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

Severability of Class Waiver: If the class action waiver in this Section 13.4 is found unenforceable as to a particular claim or request for relief, then that claim or request for relief shall be decided by a court of competent jurisdiction rather than in arbitration, and the parties agree to sever that claim from any remaining claims to be arbitrated.

California PAGA Exception: Nothing in this Section 13 shall preclude or waive your right to bring a representative action under the California Private Attorneys General Act (PAGA), if applicable to you.

13.5 Mass Arbitration Procedures

If 25 or more claimants submit demands for arbitration raising similar claims, and the same or coordinated counsel represents the claimants, the claims shall be subject to a bellwether process: counsel for both sides shall select 10 claims to proceed first as test cases, and the outcomes of those arbitrations shall be used to facilitate resolution of the remaining claims through mediation before additional arbitrations proceed.

13.6 EU/UK Consumer Exception

13.7 US State Consumer Protections

Nothing in this arbitration clause is intended to waive or limit any rights that cannot be waived under applicable US state consumer protection laws. If any provision of this arbitration clause conflicts with mandatory consumer protection laws in your state, that state's laws shall prevail to the extent of the conflict.

13.8 Time Limitation

Any claim arising from these Terms or the Service must be filed within one (1) year after the cause of action arose, or be permanently barred. This limitation period does not apply to claims for fraud, intentional misrepresentation, or where applicable law mandates a longer or shorter limitation period that cannot be waived by contract.

13.9 Injunctive Relief

Notwithstanding the above, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights.

14. Governing Law and Jurisdiction

14.1 Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Israel, without regard to conflict of law principles.

For US Consumers: To the extent that US state consumer protection laws provide you with greater protection than Israeli law, those state laws shall apply.

14.2 Jurisdiction

Subject to the arbitration provisions above, any legal proceedings shall be brought exclusively in the competent courts of Tel Aviv-Jaffa, Israel. You consent to the personal jurisdiction of such courts.

14.3 EU/UK/US Consumer Rights

Applicable Consumer Protections: If you are a Consumer in the EU, UK, or a US state with mandatory consumer protection laws, those laws apply to the extent they provide you with greater protection than Israeli law. You may bring claims in the courts of your habitual residence, and the mandatory consumer protection laws of your country or state will apply. Terms that are unfair under the UK Consumer Rights Act 2015 or EU Directive 93/13/EEC will not bind you.

15. Changes to Terms

15.1 Modification Rights

We reserve the right to modify these Terms at any time. For Material Changes (as defined in the Definitions section), we will communicate changes via email to registered users AND through a prominent notice on the Service at least 30 days before taking effect.

Re-Acceptance Requirement: For Material Changes affecting your rights or obligations (including changes to liability limitations, arbitration provisions, or data processing), we will require your affirmative re-acceptance before the changes apply to you. If you do not accept the revised Terms within 60 days, your account will continue under the previous Terms until the end of your current billing period, after which your account may be terminated.

Non-material changes (such as clarifications, formatting, or updates that do not affect your rights) will be reflected by updating the "Last Updated" date and may take effect immediately.

16. General Provisions

16.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Pactlio regarding the Service and supersede all prior agreements, whether written or oral.

16.2 Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, that provision will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible, and the remaining provisions will remain in full force and effect.

16.3 Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of Pactlio.

16.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms freely in connection with a merger, acquisition, reorganization, or sale of all or substantially all of our assets, provided the assignee agrees to be bound by these Terms.

16.5 Force Majeure

We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, riots, government actions, pandemic, internet or telecommunications failures, or power outages.

Notice Requirement: In the event of a force majeure lasting more than 48 hours, we will use reasonable efforts to notify affected users via email and post a notice on our status page (status.pactlio.com).

16.6 Language

These Terms are drafted in English. Any translations are provided for convenience only, and the English version prevails in case of conflict.

16.7 No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights except as expressly provided herein or as required by applicable law.

16.8 Government Requests

We may disclose Your Documents and account information in response to valid legal process (subpoenas, court orders, warrants) from any jurisdiction with proper authority. We will attempt to notify you before disclosure unless prohibited by law, a court order, or where we believe notification would be futile, ineffective, or create a risk of harm.

16.9 Export Compliance

You agree not to export or re-export the Service or any related technical data to any country, entity, or person prohibited by applicable export control laws, including but not limited to US Export Administration Regulations (EAR) and sanctions programs administered by OFAC.

16.10 Accessibility

We are committed to making the Service accessible to all users. We strive to comply with WCAG 2.1 Level AA accessibility guidelines. If you experience accessibility issues, please contact accessibility@pactlio.com.

17. Copyright and DMCA

17.1 DMCA Notice Procedure

If you believe that content available through the Service infringes your copyright, please send a notice to our designated DMCA agent with the following information:

• A physical or electronic signature of the copyright owner or authorized agent
• Identification of the copyrighted work claimed to be infringed
• Identification of the material claimed to be infringing and its location
• Your contact information (address, telephone number, and email)
• A statement that you have a good faith belief the use is not authorized
• A statement, under penalty of perjury, that the information is accurate and you are authorized to act on behalf of the copyright owner

17.2 DMCA Agent

17.3 Counter-Notice

If you believe your content was wrongly removed due to a DMCA notice, you may submit a counter-notice to our DMCA agent with the required information under 17 U.S.C. Section 512(g).

18. Contact Information

For questions, concerns, or requests about these Terms, please contact us:

We typically respond within 2 business days. For urgent matters, please indicate so in your subject line.