Terms of Service

BLOCKBEACH LABS LLC (d/b/a CHARTERFY) — TERMS OF SERVICE Effective Date: May 25, 2026 PLEASE READ THESE TERMS OF SERVICE ("TERMS") CAREFULLY BEFORE USING THE CHARTERFY PLATFORM. BY CREATING AN ACCOUNT, ACCESSING, OR USING THE SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE THE SERVICE. ──────────────────────────────────────── 1. AGREEMENT TO TERMS AND ACCEPTANCE 1.1. These Terms constitute a legally binding agreement between you ("User," "you," or "your") and Blockbeach Labs LLC ("Charterfy," "Company," "we," "us," or "our"), governing your access to and use of the Charterfy platform, including all associated websites, applications, APIs, and services (collectively, the "Service"). 1.2. By clicking "I Agree," creating an account, or otherwise accessing or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy and any other policies or agreements referenced herein, all of which are incorporated by reference. 1.3. If you are accessing or using the Service on behalf of a company, organization, or other legal entity ("Organization"), you represent and warrant that you have the authority to bind that Organization to these Terms. In such case, "you" and "your" refer to both you individually and the Organization. 1.4. You must be at least eighteen (18) years of age to create an account and use the Service. By using the Service, you represent and warrant that you meet this age requirement. 1.5. We reserve the right to refuse access to the Service to anyone, at any time, for any reason. ──────────────────────────────────────── 2. DEFINITIONS For purposes of these Terms, the following definitions apply: 2.1. "Booking" means a confirmed reservation for a charter experience between a Consumer and an Operator, facilitated through the Service. 2.2. "Connected Account" means the Stripe Connect account established by an Operator for the purpose of receiving payments through the Service. 2.3. "Consumer" or "Guest" means any individual who browses the Marketplace, makes a Booking, or otherwise uses the Service as an end user seeking charter services. 2.4. "Content" means any text, images, photographs, videos, data, reviews, ratings, messages, listings, or other materials uploaded, submitted, posted, or transmitted through the Service. 2.5. "Listing" means a charter offering published by an Operator on the Marketplace, including vessel details, pricing, availability, photographs, and descriptions. 2.6. "Marketplace" means the consumer-facing portion of the Service where Consumers can browse Listings and make Bookings. 2.7. "Operator" means a business entity or individual that subscribes to the Service to manage charter operations and/or publish Listings on the Marketplace. 2.8. "Platform Fee" or "Service Fee" means the commission or fee that Charterfy charges on Marketplace transactions, as disclosed to Operators during onboarding and in their account settings. 2.9. "Subscription Plan" means the paid or trial tier to which an Operator subscribes, as described on the Service's pricing page. 2.10. "Vessel" means any boat, yacht, watercraft, or marine vessel listed or managed through the Service. ──────────────────────────────────────── 3. DESCRIPTION OF SERVICE — CHARTERFY IS NOT A CHARTER OPERATOR 3.1. Charterfy is a software-as-a-service ("SaaS") platform that provides business management tools to charter operators and operates a Marketplace where Consumers can discover and book charter experiences offered by independent Operators. 3.2. CHARTERFY IS NOT A BOAT CHARTER OPERATOR, BROKER, DEALER, AGENT, INSURER, OR MARITIME SERVICE PROVIDER. Charterfy does not own, operate, inspect, maintain, control, or crew any Vessel. Charterfy does not provide, sell, or broker charter services of any kind. 3.3. Charterfy acts solely as a technology intermediary that connects Operators with Consumers. The contractual relationship for any charter is exclusively and directly between the Operator and the Consumer. Charterfy is not a party to any charter agreement, rental agreement, or service contract between an Operator and a Consumer. 3.4. Charterfy does not verify, endorse, guarantee, or make any representations regarding: (a) The identity, qualifications, licenses, certifications, or background of any Operator, captain, or crew member; (b) The seaworthiness, safety, condition, legality, or fitness for use of any Vessel; (c) The accuracy, completeness, or truthfulness of any Listing, description, photograph, review, or other Content; (d) The quality, safety, legality, or suitability of any charter experience; (e) The adequacy of any Operator's insurance coverage; (f) Compliance with any federal, state, or local law, regulation, or maritime safety standard by any Operator. 3.5. Any reference to an Operator or Listing as "verified," "featured," "recommended," or similar designation does not constitute an endorsement, warranty, or guarantee of any kind. ──────────────────────────────────────── 4. ELIGIBILITY AND ACCOUNT REGISTRATION 4.1. To create an account, you must: (a) be at least eighteen (18) years of age; (b) provide accurate, current, and complete registration information; (c) maintain and promptly update your account information to keep it accurate, current, and complete; and (d) be legally capable of entering into a binding contract. 4.2. You are responsible for maintaining the confidentiality of your account credentials, including your password. You are fully responsible for all activities that occur under your account, whether or not authorized by you. 4.3. You agree to immediately notify Charterfy of any unauthorized use of your account or any other breach of security. Charterfy shall not be liable for any loss or damage arising from your failure to safeguard your account credentials. 4.4. You may not create more than one account per individual or entity. You may not use another person's account without permission. 4.5. Charterfy reserves the right to suspend, disable, or delete your account at any time, with or without notice, for any reason, including but not limited to a violation of these Terms. ──────────────────────────────────────── 5. OPERATOR-SPECIFIC TERMS This Section applies to Users who register as Operators. 5.1. SUBSCRIPTION PLANS AND BILLING 5.1.1. Operators may select from available Subscription Plans, which may include a free trial period. Details of each plan, including features, limitations, and pricing, are described on the Service's pricing page. 5.1.2. Free trials automatically convert to a paid Subscription Plan at the end of the trial period unless the Operator cancels before the trial expires. By starting a trial, the Operator authorizes Charterfy to charge the payment method on file at the end of the trial. 5.1.3. Subscription fees are billed in advance on a recurring basis (monthly or annually, as selected). All fees are non-refundable except as expressly stated herein or as required by applicable law. 5.1.4. Subscriptions automatically renew at the end of each billing cycle unless the Operator cancels before the renewal date. You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period; no partial refunds will be issued. 5.1.5. Charterfy reserves the right to modify subscription pricing upon thirty (30) days' prior written notice. Continued use of the Service after a price change constitutes acceptance of the new pricing. If you do not agree with a price change, you must cancel your subscription before the change takes effect. 5.1.6. If a payment fails, Charterfy may suspend access to paid features after a five (5) day grace period. Outstanding balances remain payable and may accrue interest at the lesser of 1.5% per month or the maximum rate permitted by applicable law. 5.1.7. Operators are responsible for all applicable taxes, duties, and governmental assessments related to their subscription, except for taxes on Charterfy's net income. 5.2. LICENSE GRANT 5.2.1. Subject to these Terms and payment of applicable fees, Charterfy grants the Operator a limited, non-exclusive, non-transferable, non-sublicensable, revocable right to access and use the Service during the subscription term solely for the Operator's internal business purposes. 5.2.2. This license does not include any right to: (a) sublicense, resell, distribute, or make the Service available to any third party; (b) modify, adapt, or create derivative works of the Service; (c) reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service; (d) use the Service to develop a competing product or service. 5.3. OPERATOR OBLIGATIONS 5.3.1. Operators represent and warrant that they hold, and will maintain throughout their use of the Service, all licenses, permits, certifications, and registrations required to operate commercial charter services under applicable federal, state, and local laws, including but not limited to: (a) United States Coast Guard (USCG) Captain's License or Merchant Mariner Credential for all captains; (b) USCG Certificate of Inspection or Certificate of Compliance for all Vessels, as applicable; (c) state and local business licenses; (d) all applicable maritime and navigational safety certifications. 5.3.2. Operators are solely responsible for ensuring that all Vessels listed on the Service are seaworthy, properly maintained, equipped with required safety equipment, and in compliance with all applicable laws and regulations. 5.3.3. Operators shall provide accurate, complete, and non-misleading information in all Listings, including but not limited to Vessel specifications, pricing, availability, photographs, captain credentials, and cancellation policies. 5.3.4. Operators shall respond to Booking requests in a timely manner and shall honor all confirmed Bookings or follow the applicable cancellation policy. 5.3.5. Operators shall not discriminate against Consumers on the basis of race, color, religion, sex, national origin, disability, age, sexual orientation, gender identity, or any other characteristic protected by applicable law. 5.4. OPERATOR DATA OWNERSHIP 5.4.1. As between Charterfy and the Operator, the Operator retains ownership of all business data it uploads to the Service, including customer records, invoices, booking history, and vessel information ("Operator Data"). 5.4.2. The Operator grants Charterfy a non-exclusive, worldwide, royalty-free license to use, process, store, and display Operator Data solely for the purpose of providing, maintaining, and improving the Service. 5.4.3. Charterfy may use aggregated, anonymized, and de-identified data derived from Operator Data for analytics, benchmarking, product development, and other legitimate business purposes. 5.4.4. Upon termination of an Operator's account, the Operator may request an export of their Operator Data within thirty (30) days. After such period, Charterfy may delete Operator Data in accordance with its data retention policies, subject to any legal obligations to retain data. ──────────────────────────────────────── 6. MARKETPLACE TERMS 6.1. ROLE OF CHARTERFY AS INTERMEDIARY 6.1.1. The Marketplace is a venue where Operators may publish Listings and Consumers may browse, discover, and book charter experiences. Charterfy facilitates these connections but does not participate in, supervise, direct, or control any charter transaction. 6.1.2. All charter services are provided solely by independent Operators. The charter agreement is exclusively between the Operator and the Consumer. Charterfy is not a party to, and has no obligations under, any charter agreement. 6.1.3. Charterfy does not screen, vet, inspect, endorse, or certify any Operator, Vessel, captain, crew, or Listing. Any information provided on the Service about Operators or Vessels is for informational purposes only and shall not be construed as an endorsement or guarantee. 6.2. LISTINGS 6.2.1. Operators are solely responsible for the accuracy, completeness, legality, and non-infringement of their Listings and any Content contained therein. 6.2.2. Charterfy reserves the right to remove, disable, or modify any Listing at any time and for any reason, including but not limited to violations of these Terms, reports of inaccurate information, safety concerns, or legal requirements. 6.3. BOOKINGS 6.3.1. A Booking is formed when a Consumer completes the booking process on the Marketplace and receives a booking confirmation. Consumers acknowledge that a Booking creates a binding agreement between the Consumer and the Operator, subject to the Operator's terms and cancellation policy. 6.3.2. Charterfy does not guarantee the availability of any Listing or the completion of any Booking. Charterfy is not responsible for an Operator's failure to honor a confirmed Booking. 6.4. CANCELLATIONS AND REFUNDS 6.4.1. Cancellation and refund policies are set by each Operator and disclosed in the Listing. Consumers should review the Operator's cancellation policy carefully before completing a Booking. 6.4.2. Charterfy may facilitate the processing of refunds but is not obligated to issue refunds on behalf of Operators. All refund requests are subject to the Operator's cancellation policy. 6.4.3. In the event of a weather-related cancellation where the Operator is unable to safely provide the charter, Consumers are entitled to a full refund or rescheduling, as determined by the Operator. 6.4.4. Charterfy may, at its sole discretion, intervene in disputes between Operators and Consumers regarding cancellations or refunds, but is not obligated to do so. 6.5. REVIEWS AND RATINGS 6.5.1. Consumers may submit reviews and ratings of their charter experiences. Reviews must be honest, accurate, and based on the Consumer's genuine first-hand experience. 6.5.2. Users shall not submit fake, fraudulent, paid, incentivized, or retaliatory reviews. Charterfy reserves the right to remove any review that violates these guidelines. 6.5.3. Operators may respond to reviews publicly through the Service. ──────────────────────────────────────── 7. PAYMENT TERMS 7.1. PAYMENT PROCESSING 7.1.1. All payment transactions through the Service are processed by Stripe, Inc. ("Stripe"), a third-party payment processor. By using the payment features of the Service, you agree to be bound by Stripe's Services Agreement (https://stripe.com/legal/ssa) and, for Operators, the Stripe Connected Account Agreement (https://stripe.com/legal/connect-account), as applicable. 7.1.2. Charterfy is not a payment processor and does not store full credit card numbers or sensitive payment credentials. All payment data is handled directly by Stripe in accordance with the Payment Card Industry Data Security Standard (PCI DSS). 7.1.3. Charterfy is not responsible for any errors, failures, delays, or issues caused by Stripe or any other third-party payment service. 7.2. PLATFORM FEES 7.2.1. Charterfy charges a Platform Fee on each Marketplace transaction, as disclosed to Operators during onboarding and in their account settings. The Platform Fee is deducted from the transaction amount before the Operator receives their payout. 7.2.2. Charterfy reserves the right to modify the Platform Fee upon thirty (30) days' prior written notice to Operators. 7.3. OPERATOR PAYOUTS 7.3.1. Operator payouts are processed through Stripe Connect according to the payout schedule established in the Operator's account settings and subject to Stripe's processing times. 7.3.2. Charterfy reserves the right to withhold, delay, or offset payouts in cases of: (a) pending or unresolved disputes; (b) chargebacks or payment reversals; (c) suspected fraud or violation of these Terms; (d) outstanding amounts owed by the Operator to Charterfy; (e) legal or regulatory requirements. 7.3.3. Operators are responsible for all chargebacks initiated by Consumers or card issuers. If a chargeback is filed, Charterfy may deduct the chargeback amount, plus any associated fees, from the Operator's future payouts or require direct payment from the Operator. 7.4. ANTI-CIRCUMVENTION 7.4.1. Users shall not circumvent, avoid, or attempt to avoid the Service's payment system for the purpose of avoiding Platform Fees or for any other reason. This includes but is not limited to: (a) completing transactions outside the Service for Bookings initiated through the Marketplace; (b) exchanging contact information with the intent to transact outside the Service before a Booking is confirmed; (c) directing Consumers to alternative booking channels. 7.4.2. Violation of this Section may result in immediate account suspension or termination, forfeiture of pending payouts, and liability for all Platform Fees that would have been owed on circumvented transactions. 7.5. TAXES 7.5.1. Each User is solely responsible for determining, collecting, reporting, and remitting all applicable taxes arising from their use of the Service, including but not limited to income tax, sales tax, use tax, value-added tax, excise tax, and any maritime or watercraft-specific tax. 7.5.2. Charterfy may issue IRS Form 1099-K or other tax information forms to Operators as required by applicable law. 7.5.3. Charterfy is not responsible for any tax obligations of Users and does not provide tax advice. ──────────────────────────────────────── 8. USER CONTENT AND INTELLECTUAL PROPERTY 8.1. CHARTERFY'S INTELLECTUAL PROPERTY 8.1.1. The Service, including all software, code, design, text, graphics, logos, trademarks, trade names, service marks, user interfaces, visual elements, documentation, and proprietary technology, is owned by or licensed to Charterfy and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws. 8.1.2. Nothing in these Terms grants you any right, title, or interest in Charterfy's intellectual property, except for the limited license to use the Service as expressly provided herein. 8.1.3. You shall not: (a) copy, reproduce, distribute, or create derivative works of the Service or any part thereof; (b) reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service; (c) remove, alter, or obscure any copyright, trademark, or other proprietary notices; (d) use Charterfy's trademarks, logos, or trade names without prior written consent. 8.2. USER-GENERATED CONTENT 8.2.1. You retain ownership of Content that you upload, submit, or post to the Service ("User Content"). 8.2.2. By uploading, submitting, or posting User Content to the Service, you grant Charterfy a worldwide, non-exclusive, royalty-free, sublicensable, transferable license to use, reproduce, modify, adapt, publish, translate, distribute, perform, and display such User Content in connection with operating, providing, promoting, and improving the Service. This license continues for as long as the User Content remains on the Service, plus a reasonable period for removal from backups and caches. 8.2.3. You represent and warrant that: (a) you own or have all necessary rights and permissions to submit User Content; (b) User Content does not infringe, misappropriate, or violate any third party's intellectual property rights, privacy rights, publicity rights, or other legal rights; (c) User Content does not contain any defamatory, obscene, offensive, threatening, or otherwise unlawful material; (d) User Content is accurate and not misleading. 8.2.4. Charterfy reserves the right to remove any User Content at any time and for any reason, without notice. 8.3. DMCA — COPYRIGHT INFRINGEMENT 8.3.1. Charterfy respects the intellectual property rights of others and expects Users to do the same. If you believe that your copyrighted work has been copied and posted on the Service in a way that constitutes copyright infringement, please provide Charterfy's designated copyright agent with a written notification pursuant to the Digital Millennium Copyright Act (17 U.S.C. § 512) containing: (a) identification of the copyrighted work claimed to be infringed; (b) identification of the material that is claimed to be infringing and information reasonably sufficient to locate the material; (c) your contact information (name, address, phone number, email); (d) a statement that you have a good faith belief that use of the material is not authorized by the copyright owner, its agent, or the law; (e) a statement, made under penalty of perjury, that the above information is accurate and that you are the copyright owner or authorized to act on behalf of the owner; (f) your physical or electronic signature. 8.3.2. Charterfy's designated copyright agent can be contacted at: legal@blockbeachlabs.com. 8.3.3. Charterfy will terminate the accounts of repeat infringers in appropriate circumstances. 8.4. FEEDBACK 8.4.1. Any suggestions, ideas, enhancement requests, feedback, or recommendations you provide to Charterfy regarding the Service ("Feedback") are entirely voluntary. You hereby grant Charterfy a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate Feedback into the Service without any obligation of compensation, attribution, or accounting. ──────────────────────────────────────── 9. ACCEPTABLE USE POLICY 9.1. You agree not to use the Service to: (a) Violate any applicable federal, state, local, or international law, regulation, or ordinance; (b) Engage in or facilitate fraud, money laundering, terrorist financing, or any other financial crime; (c) Harass, threaten, intimidate, stalk, or otherwise harm another person; (d) Discriminate against any person on the basis of race, color, religion, sex, national origin, disability, age, sexual orientation, gender identity, or any other protected characteristic; (e) Post or transmit Content that is defamatory, obscene, pornographic, abusive, offensive, or otherwise objectionable; (f) Impersonate any person or entity, or falsely state or misrepresent your affiliation with any person or entity; (g) Upload or transmit viruses, malware, spyware, ransomware, or any other harmful code; (h) Interfere with, disrupt, or overburden the Service's infrastructure, servers, networks, or security systems; (i) Scrape, crawl, spider, harvest, or use any automated means to access the Service or extract data without Charterfy's prior written consent; (j) Circumvent, disable, or interfere with any security, access control, or rate-limiting features of the Service; (k) Use the Service to send unsolicited communications, spam, or marketing messages in violation of applicable law; (l) List any Vessel that is not properly licensed, insured, inspected, and legally permitted to operate as a commercial charter; (m) List or transport illegal substances, weapons, contraband, or any items prohibited by applicable law; (n) Use the Service in any manner that could create liability for Charterfy or cause Charterfy to lose the services of its Internet Service Providers or other suppliers; (o) Assist, encourage, or enable any third party to do any of the foregoing. 9.2. Violation of this Section may result in immediate suspension or termination of your account, without notice or liability to Charterfy, and may be reported to law enforcement authorities. ──────────────────────────────────────── 10. PRIVACY AND DATA PROTECTION 10.1. Your privacy is important to us. Our Privacy Policy, available at [Privacy Policy URL], describes how we collect, use, share, and protect your personal information. By using the Service, you consent to the collection and processing of your personal information as described in the Privacy Policy. 10.2. Charterfy collects personal data including but not limited to names, email addresses, phone numbers, mailing addresses, payment information, device information, usage data, and IP addresses. This data is used for account management, Service provision, Booking facilitation, communications, analytics, fraud prevention, and legal compliance. 10.3. CALIFORNIA RESIDENTS — CCPA/CPRA RIGHTS. If you are a California resident, you have the right to: (a) know what personal information is collected, used, shared, or sold; (b) request deletion of your personal information; (c) opt out of the sale or sharing of your personal information; (d) access your personal information in a portable format; (e) not be discriminated against for exercising these rights. To exercise these rights, contact us at privacy@blockbeachlabs.com. 10.4. OPERATOR AS DATA CONTROLLER. When an Operator collects Consumer personal data through the Service (such as customer names, contact information, and booking details), the Operator is the data controller and Charterfy acts as the data processor with respect to that data. Operators are responsible for: (a) having a lawful basis for processing Consumer data; (b) maintaining their own privacy policy; (c) complying with all applicable data protection laws; (d) not using Consumer data for purposes unrelated to fulfilling the charter service. 10.5. DATA SECURITY. Charterfy implements commercially reasonable administrative, technical, and physical safeguards to protect personal data. However, no method of transmission over the Internet or method of electronic storage is 100% secure, and Charterfy cannot guarantee absolute security. ──────────────────────────────────────── 11. THIRD-PARTY SERVICES AND LINKS 11.1. The Service may integrate with, link to, or facilitate access to third-party websites, services, applications, and tools ("Third-Party Services"), including but not limited to Stripe, email delivery services, analytics providers, and cloud hosting providers. 11.2. Third-Party Services are governed by their own terms of service and privacy policies. Charterfy does not control, endorse, or assume any responsibility for any Third-Party Services. 11.3. Your use of Third-Party Services is at your sole risk. Charterfy is not responsible for any loss, damage, or liability arising from your use of or reliance on any Third-Party Services. 11.4. Charterfy is not responsible for any outages, errors, failures, or interruptions of Third-Party Services, including but not limited to payment processing failures by Stripe. ──────────────────────────────────────── 12. INSURANCE REQUIREMENTS 12.1. Operators represent and warrant that they maintain, and will maintain throughout their use of the Service, the following insurance coverage at a minimum: (a) Commercial hull and machinery insurance covering all listed Vessels for their full replacement value; (b) Protection and Indemnity (P&I) insurance with a minimum coverage of One Million United States Dollars ($1,000,000) per occurrence; (c) Commercial general liability insurance with a minimum coverage of One Million United States Dollars ($1,000,000) per occurrence; (d) Workers' compensation insurance for all employees and crew members, as required by applicable law; (e) Pollution liability insurance, where required by applicable law or regulation. 12.2. Operators must provide proof of insurance upon request by Charterfy. Failure to maintain required insurance coverage may result in immediate suspension or termination of the Operator's account and removal of all associated Listings. 12.3. Operators must notify Charterfy within forty-eight (48) hours of any lapse, cancellation, material reduction, or non-renewal of any required insurance coverage. 12.4. CHARTERFY DOES NOT PROVIDE INSURANCE OF ANY KIND TO OPERATORS, CONSUMERS, OR ANY OTHER USER. Charterfy is not an insurance provider, broker, or agent. 12.5. Charterfy strongly recommends that Consumers obtain travel insurance and personal accident insurance for all charter Bookings. Charterfy assumes no responsibility for any loss, injury, or damage that could have been covered by adequate insurance. ──────────────────────────────────────── 13. DISCLAIMERS OF WARRANTIES 13.1. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CHARTERFY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO: (a) IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT; (b) WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE; (c) ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, FREE OF VIRUSES OR HARMFUL COMPONENTS, OR THAT DEFECTS WILL BE CORRECTED; (d) ANY WARRANTY REGARDING THE ACCURACY, COMPLETENESS, RELIABILITY, TIMELINESS, OR AVAILABILITY OF ANY CONTENT, LISTINGS, OR INFORMATION ON THE SERVICE. 13.2. MARINE-SPECIFIC DISCLAIMERS. WITHOUT LIMITING THE FOREGOING, CHARTERFY MAKES NO WARRANTY OR REPRESENTATION REGARDING: (a) THE SEAWORTHINESS, SAFETY, STRUCTURAL INTEGRITY, MECHANICAL CONDITION, OR FITNESS FOR USE OF ANY VESSEL; (b) THE QUALIFICATIONS, LICENSING, CERTIFICATION, COMPETENCE, SOBRIETY, OR TRAINING OF ANY CAPTAIN, CREW MEMBER, OR OPERATOR; (c) THE ACCURACY OR COMPLETENESS OF ANY VESSEL DESCRIPTION, SPECIFICATION, PHOTOGRAPH, OR OTHER LISTING CONTENT; (d) WEATHER CONDITIONS, WATER CONDITIONS, SEA STATE, TIDES, CURRENTS, OR ANY ENVIRONMENTAL OR MARINE HAZARD; (e) THE ADEQUACY, VALIDITY, OR EXISTENCE OF ANY OPERATOR'S INSURANCE COVERAGE; (f) THE PRESENCE, CONDITION, OR ADEQUACY OF SAFETY EQUIPMENT ON ANY VESSEL, INCLUDING BUT NOT LIMITED TO LIFE JACKETS, FIRE EXTINGUISHERS, FLARES, RADIOS, AND NAVIGATION EQUIPMENT; (g) COMPLIANCE WITH USCG REGULATIONS, STATE BOATING LAWS, LOCAL MARITIME ORDINANCES, OR ANY OTHER APPLICABLE SAFETY STANDARD; (h) THE SUITABILITY OF ANY CHARTER EXPERIENCE FOR ANY CONSUMER, INCLUDING CONSUMERS WITH MEDICAL CONDITIONS, DISABILITIES, OR LIMITED SWIMMING ABILITY. 13.3. CHARTERFY DOES NOT GUARANTEE THAT ANY BOOKING WILL BE HONORED, THAT ANY CHARTER WILL OCCUR, OR THAT ANY CHARTER EXPERIENCE WILL MEET ANY CONSUMER'S EXPECTATIONS. 13.4. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES. IN SUCH JURISDICTIONS, THE FOREGOING EXCLUSIONS SHALL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. ──────────────────────────────────────── 14. ASSUMPTION OF RISK 14.1. YOU ACKNOWLEDGE AND AGREE THAT BOATING, WATER SPORTS, AND ALL WATER-BASED ACTIVITIES INVOLVE INHERENT AND SIGNIFICANT RISKS, INCLUDING BUT NOT LIMITED TO THE RISKS OF: (a) DROWNING, NEAR-DROWNING, OR SUBMERSION INJURY; (b) BODILY INJURY, INCLUDING BROKEN BONES, LACERATIONS, CONCUSSIONS, AND TRAUMATIC BRAIN INJURY; (c) DEATH; (d) VESSEL COLLISION, GROUNDING, CAPSIZING, SINKING, OR FLOODING; (e) MECHANICAL OR STRUCTURAL FAILURE OF THE VESSEL OR EQUIPMENT; (f) EXPOSURE TO SEVERE WEATHER, INCLUDING STORMS, LIGHTNING, HIGH WINDS, AND ROUGH SEAS; (g) EXPOSURE TO SUN, HEAT, COLD, DEHYDRATION, OR HYPOTHERMIA; (h) ENCOUNTERS WITH MARINE LIFE, INCLUDING SHARKS, JELLYFISH, AND OTHER POTENTIALLY DANGEROUS ANIMALS; (i) INJURY FROM WATER SPORTS EQUIPMENT, INCLUDING BUT NOT LIMITED TO JET SKIS, TUBES, WAKEBOARDS, AND SNORKELING GEAR; (j) SLIP AND FALL INJURIES ON WET OR MOVING SURFACES; (k) INJURY RESULTING FROM THE NEGLIGENCE, RECKLESSNESS, OR INTENTIONAL ACTS OF OTHER PERSONS, INCLUDING OPERATORS, CAPTAINS, CREW, OR OTHER PASSENGERS; (l) DAMAGE TO OR LOSS OF PERSONAL PROPERTY; (m) BEING STRANDED AT SEA OR AT A REMOTE LOCATION. 14.2. BY USING THE SERVICE AND PARTICIPATING IN ANY CHARTER ACTIVITY, YOU VOLUNTARILY ASSUME ALL RISKS OF PERSONAL INJURY, DEATH, PROPERTY DAMAGE, AND PROPERTY LOSS, WHETHER OR NOT CAUSED IN WHOLE OR IN PART BY THE NEGLIGENCE OR OTHER FAULT OF ANY PARTY, INCLUDING CHARTERFY. 14.3. You acknowledge that you are solely responsible for assessing your own physical condition, health, swimming ability, experience level, and suitability for any charter activity. You agree to follow all safety instructions provided by the Operator, captain, and crew. 14.4. You acknowledge that the consumption of alcohol or drugs on or around Vessels significantly increases the risk of injury and death, and you assume all risks associated with such consumption. 14.5. THIS SECTION DOES NOT WAIVE ANY RIGHTS THAT CANNOT BE WAIVED UNDER APPLICABLE LAW. ──────────────────────────────────────── 15. LIMITATION OF LIABILITY 15.1. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL CHARTERFY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY: (a) INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; (b) LOSS OF PROFITS, REVENUE, BUSINESS, SAVINGS, GOODWILL, OR ANTICIPATED SAVINGS; (c) LOSS OF DATA OR DATA CORRUPTION; (d) LOSS OF USE OR BUSINESS INTERRUPTION; (e) PERSONAL INJURY, BODILY HARM, OR DEATH ARISING FROM OR RELATED TO ANY CHARTER, VESSEL, OR WATER-BASED ACTIVITY; (f) PROPERTY DAMAGE, LOSS, OR THEFT ARISING FROM OR RELATED TO ANY CHARTER, VESSEL, OR WATER-BASED ACTIVITY; (g) VESSEL DAMAGE, GROUNDING, SINKING, ENVIRONMENTAL CONTAMINATION, OR POLLUTION; (h) ACTS, OMISSIONS, NEGLIGENCE, GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR FRAUD OF ANY OPERATOR, CAPTAIN, CREW MEMBER, CONSUMER, OR OTHER THIRD PARTY; (i) UNAUTHORIZED ACCESS TO, USE OF, OR ALTERATION OF YOUR ACCOUNT, TRANSMISSIONS, OR DATA; WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF CHARTERFY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 15.2. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CHARTERFY'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE USE OF THE SERVICE SHALL NOT EXCEED THE GREATER OF: (a) THE TOTAL AMOUNT OF FEES PAID BY YOU TO CHARTERFY IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (b) ONE HUNDRED UNITED STATES DOLLARS ($100). 15.3. THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER BASIS, AND EVEN IF CHARTERFY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE. 15.4. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, OR LIMITATIONS ON THE DURATION OF IMPLIED WARRANTIES. IN SUCH JURISDICTIONS, CHARTERFY'S LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. ──────────────────────────────────────── 16. INDEMNIFICATION 16.1. GENERAL INDEMNIFICATION. You agree to indemnify, defend, and hold harmless Charterfy, its officers, directors, employees, agents, affiliates, successors, and assigns (collectively, "Charterfy Parties") from and against any and all claims, demands, actions, suits, proceedings, losses, damages, liabilities, judgments, settlements, penalties, fines, costs, and expenses (including reasonable attorneys' fees and court costs) (collectively, "Claims") arising out of or relating to: (a) Your access to or use of the Service; (b) Your violation of these Terms or any applicable law, regulation, or ordinance; (c) Your violation of any third-party rights, including intellectual property, privacy, or publicity rights; (d) Your User Content; (e) Any interaction, transaction, dispute, or agreement between you and any other User; (f) Your negligence, recklessness, willful misconduct, or fraud; (g) Any inaccuracy in your representations or breach of your warranties under these Terms. 16.2. OPERATOR-SPECIFIC INDEMNIFICATION. In addition to the foregoing, Operators agree to indemnify and hold harmless the Charterfy Parties from and against any Claims arising out of or relating to: (a) The operation, maintenance, condition, or seaworthiness of any Vessel; (b) Any personal injury, death, or property damage occurring during or in connection with any charter; (c) Any failure to maintain required licenses, permits, certifications, insurance, or registrations; (d) Any violation of USCG regulations, maritime law, state boating law, or any other applicable safety regulation; (e) Employment, labor, or contractor disputes with captains, crew, or other personnel; (f) Environmental violations, pollution, fuel spills, or waste discharge; (g) Tax liability arising from charter income or business operations; (h) Any claim by a Consumer or third party related to a charter facilitated through the Service. 16.3. CONSUMER-SPECIFIC INDEMNIFICATION. In addition to Section 16.1, Consumers agree to indemnify and hold harmless the Charterfy Parties and the Operator from and against any Claims arising out of or relating to: (a) Damage to the Vessel, equipment, or property during or in connection with a charter caused by the Consumer's negligence, recklessness, or intentional misconduct; (b) Personal injury or property damage caused to other passengers or third parties by the Consumer. 16.4. Charterfy reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you agree to cooperate with Charterfy in asserting any available defenses. ──────────────────────────────────────── 17. ACCOUNT SUSPENSION AND TERMINATION 17.1. TERMINATION BY USER 17.1.1. Operators may cancel their Subscription Plan at any time through their account settings. Cancellation takes effect at the end of the current billing period. No refunds will be issued for the remaining portion of the billing period. 17.1.2. Consumers may delete their account at any time by contacting support@blockbeachlabs.com or through their account settings. 17.1.3. Account termination by a User does not relieve the User of any obligations accrued prior to termination, including pending Bookings, outstanding payments, and indemnification obligations. 17.2. SUSPENSION AND TERMINATION BY CHARTERFY 17.2.1. Charterfy may suspend or terminate your account, in whole or in part, at any time and for any reason, including but not limited to: (a) violation of these Terms; (b) suspected fraud, illegal activity, or activity that creates a safety risk; (c) non-payment of fees after the applicable grace period; (d) extended inactivity; (e) a request from law enforcement or a government agency; (f) unexpected technical or security issues. 17.2.2. Charterfy may immediately suspend or terminate your account without prior notice for severe violations, including but not limited to: illegal activity, threats of violence, safety hazards, repeated copyright infringement, or any conduct that creates significant liability or risk for Charterfy or other Users. 17.2.3. Charterfy may discontinue or modify the Service, or any part thereof, at any time with reasonable notice (not less than thirty (30) days for material changes affecting Operators with active Subscriptions). 17.3. EFFECT OF TERMINATION 17.3.1. Upon termination, your license to use the Service immediately terminates. 17.3.2. Operators may request an export of their Operator Data within thirty (30) days of termination. After such period, Charterfy may delete Operator Data in accordance with its data retention policies. 17.3.3. Any outstanding fees or amounts owed to Charterfy at the time of termination remain immediately due and payable. 17.3.4. Pending payouts to Operators will be processed according to the normal schedule, subject to holds for unresolved disputes, chargebacks, or suspected violations. 17.3.5. The following Sections survive termination of these Terms: Sections 2, 3, 8, 10, 13, 14, 15, 16, 18, 19, 20, 27, 28, 29, and 30. ──────────────────────────────────────── 18. DISPUTE RESOLUTION 18.1. DISPUTES BETWEEN USERS 18.1.1. Users should first attempt to resolve any dispute directly with the other User involved. 18.1.2. Charterfy may, at its sole discretion, assist in mediating disputes between Users, but is not obligated to do so and shall not be liable for the outcome of any such dispute. 18.1.3. Any decision or recommendation made by Charterfy in the course of mediating a User dispute is non-binding and does not constitute arbitration. 18.2. DISPUTES BETWEEN USER AND CHARTERFY — INFORMAL RESOLUTION 18.2.1. Before initiating any formal dispute resolution proceeding, you agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Service ("Dispute") informally by contacting Charterfy at legal@blockbeachlabs.com with a written description of the Dispute, all relevant facts, and your proposed resolution. 18.2.2. Charterfy will attempt to resolve the Dispute informally within thirty (30) days of receiving your notice. If the Dispute is not resolved within this period, either party may proceed to binding arbitration as described below. 18.3. BINDING ARBITRATION 18.3.1. ANY DISPUTE THAT IS NOT RESOLVED INFORMALLY SHALL BE RESOLVED EXCLUSIVELY BY FINAL AND BINDING ARBITRATION, RATHER THAN IN COURT. The arbitration shall be administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules and Mediation Procedures, as modified by these Terms. 18.3.2. The arbitration shall be conducted by a single arbitrator selected in accordance with the AAA Rules. The arbitration shall take place in the State of Florida, United States, unless the parties agree otherwise. 18.3.3. The arbitrator shall have the exclusive authority to resolve all Disputes, including the scope, applicability, and enforceability of this arbitration provision. 18.3.4. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. 18.3.5. Each party shall bear its own costs and attorneys' fees in the arbitration, unless the arbitrator determines that a claim or defense was frivolous, in which case the arbitrator may award reasonable attorneys' fees to the prevailing party. 18.4. CLASS ACTION AND JURY TRIAL WAIVER 18.4.1. YOU AND CHARTERFY AGREE THAT EACH PARTY MAY BRING DISPUTES AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING. 18.4.2. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class, collective, or representative proceeding. 18.4.3. TO THE EXTENT PERMITTED BY LAW, YOU WAIVE ANY RIGHT TO A JURY TRIAL IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE. 18.5. EXCEPTIONS TO ARBITRATION 18.5.1. Either party may bring a claim in small claims court if the claim qualifies under the court's jurisdictional requirements. 18.5.2. Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights or confidentiality obligations. ──────────────────────────────────────── 19. GOVERNING LAW AND JURISDICTION 19.1. These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict of laws principles. 19.2. For any dispute not subject to arbitration under Section 18, you agree to submit to the exclusive personal jurisdiction of the federal and state courts located in Miami-Dade County, Florida, and you waive any objection to jurisdiction, venue, or inconvenient forum. 19.3. The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms. ──────────────────────────────────────── 20. FORCE MAJEURE 20.1. Neither party shall be liable for any failure or delay in performance under these Terms (other than payment obligations) to the extent caused by circumstances beyond the party's reasonable control, including but not limited to: acts of God; natural disasters, including hurricanes, earthquakes, floods, tsunamis, and wildfires; pandemic or epidemic; war, terrorism, civil unrest, or military action; government actions, orders, regulations, embargoes, or sanctions; labor strikes or work stoppages; power outages; Internet or telecommunications failures; cyberattacks; failures of third-party hosting or cloud providers; fire, explosion, or equipment failure. 20.2. MARINE-SPECIFIC FORCE MAJEURE EVENTS. The following events shall also constitute force majeure for purposes of these Terms: Coast Guard closures or safety zones; port closures or restrictions; navigational hazards or channel obstructions; marine weather warnings or storm advisories issued by the National Weather Service or USCG; oil spills, hazardous material releases, or environmental emergencies; mandatory vessel recall or inspection orders. 20.3. The affected party shall promptly notify the other party of the force majeure event and use reasonable efforts to mitigate its effects. If a force majeure event continues for more than ninety (90) consecutive days, either party may terminate the affected obligations upon written notice. ──────────────────────────────────────── 21. MODIFICATIONS TO THESE TERMS 21.1. Charterfy reserves the right to modify, amend, or update these Terms at any time. 21.2. For material changes, Charterfy will provide at least thirty (30) days' prior notice via email to the address associated with your account and/or through a prominent notice on the Service. 21.3. Non-material changes (such as formatting, typographical corrections, or clarifications that do not alter the substance of the Terms) may be made without notice. 21.4. Your continued use of the Service after the effective date of any modification constitutes your acceptance of the modified Terms. If you do not agree with the modified Terms, you must stop using the Service and terminate your account before the effective date. 21.5. For Operators with active paid Subscriptions, if a material modification adversely affects the Operator's rights under these Terms, the Operator may terminate their Subscription without penalty within thirty (30) days of receiving notice of the change. 21.6. Prior versions of these Terms will be archived and available upon request. ──────────────────────────────────────── 22. COMMUNICATIONS AND ELECTRONIC NOTICES 22.1. By creating an account, you consent to receive communications from Charterfy electronically, including via email, in-app notifications, and text messages (SMS). You agree that all agreements, notices, disclosures, and other communications that Charterfy provides electronically satisfy any legal requirement that such communications be in writing. 22.2. You are responsible for keeping your email address and other contact information current and accurate in your account settings. Charterfy is not responsible for communications that are not received due to outdated or incorrect contact information. 22.3. Transactional communications (such as Booking confirmations, payment receipts, security alerts, and account notifications) are not marketing communications and cannot be opted out of while maintaining an active account. 22.4. You may opt out of marketing communications at any time by following the unsubscribe instructions in the communication or by contacting support@blockbeachlabs.com. 22.5. If you provide your phone number, you consent to receiving SMS messages related to your account and Bookings. Standard messaging rates may apply. You may opt out of SMS by replying STOP at any time. ──────────────────────────────────────── 23. SERVICE LEVEL AND AVAILABILITY 23.1. Charterfy will use commercially reasonable efforts to maintain the availability of the Service. However, Charterfy does not guarantee any specific level of uptime or availability. 23.2. The Service may be temporarily unavailable due to scheduled maintenance, upgrades, or emergency repairs. Charterfy will use reasonable efforts to provide advance notice of scheduled maintenance. 23.3. Charterfy reserves the right to modify, suspend, or discontinue any feature or functionality of the Service at any time, with or without notice. 23.4. Charterfy performs regular data backups but does not guarantee the preservation or recoverability of User data. Users are encouraged to maintain their own backups of critical data. ──────────────────────────────────────── 24. CONFIDENTIALITY 24.1. "Confidential Information" means any non-public information disclosed by one party to the other in connection with the Service, including but not limited to business plans, customer data, pricing, financial information, and technical specifications. 24.2. Each party agrees to: (a) hold the other party's Confidential Information in strict confidence; (b) not disclose Confidential Information to any third party without prior written consent; (c) use Confidential Information only for purposes of performing under these Terms. 24.3. Confidential Information does not include information that: (a) is or becomes publicly available through no fault of the receiving party; (b) was lawfully known to the receiving party before disclosure; (c) is independently developed by the receiving party without use of Confidential Information; (d) is rightfully received from a third party without restriction. 24.4. A party may disclose Confidential Information if required by law, regulation, or court order, provided the disclosing party gives reasonable advance notice (to the extent legally permitted) so the other party may seek a protective order. ──────────────────────────────────────── 25. EXPORT COMPLIANCE AND SANCTIONS 25.1. You agree to comply with all applicable United States export control laws and regulations, including the Export Administration Regulations (EAR) and the International Traffic in Arms Regulations (ITAR). 25.2. You represent and warrant that: (a) you are not located in, or a resident or national of, any country subject to comprehensive U.S. economic sanctions (currently Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine); (b) you are not designated on any U.S. government restricted party list, including the Specially Designated Nationals and Blocked Persons List (SDN List) maintained by the Office of Foreign Assets Control (OFAC). 25.3. You shall not export, re-export, or transfer any technical data, software, or other materials received through the Service in violation of applicable export control laws. ──────────────────────────────────────── 26. ASSIGNMENT 26.1. You may not assign, transfer, delegate, or sublicense your rights or obligations under these Terms without the prior written consent of Charterfy. Any attempted assignment in violation of this Section shall be null and void. 26.2. Charterfy may assign its rights and obligations under these Terms without restriction, including in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets. ──────────────────────────────────────── 27. ENTIRE AGREEMENT 27.1. These Terms, together with the Privacy Policy and any other documents or policies expressly incorporated by reference, constitute the entire agreement between you and Charterfy with respect to the subject matter hereof. 27.2. These Terms supersede all prior and contemporaneous agreements, understandings, representations, and warranties, both written and oral, with respect to the subject matter hereof. 27.3. No provision of these Terms may be waived except by a written instrument signed by the party against whom enforcement is sought. ──────────────────────────────────────── 28. SEVERABILITY 28.1. If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction or arbitrator, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable. If modification is not possible, the provision shall be severed from these Terms. 28.2. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of any other provision of these Terms, which shall remain in full force and effect. ──────────────────────────────────────── 29. WAIVER 29.1. The failure of Charterfy to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. 29.2. A waiver of any breach or default under these Terms shall not constitute a waiver of any subsequent breach or default. ──────────────────────────────────────── 30. SURVIVAL 30.1. The following provisions shall survive the termination or expiration of these Terms: Definitions (Section 2), Description of Service (Section 3), Intellectual Property (Section 8), Privacy (Section 10), Disclaimers (Section 13), Assumption of Risk (Section 14), Limitation of Liability (Section 15), Indemnification (Section 16), Dispute Resolution (Section 18), Governing Law (Section 19), Confidentiality (Section 24), Entire Agreement (Section 27), Severability (Section 28), Waiver (Section 29), and any payment obligations accrued prior to termination. ──────────────────────────────────────── 31. CONTACT INFORMATION 31.1. For general inquiries: support@blockbeachlabs.com 31.2. For legal notices: legal@blockbeachlabs.com 31.3. For privacy inquiries or data subject requests: privacy@blockbeachlabs.com 31.4. For copyright/DMCA notices: legal@blockbeachlabs.com (Attn: DMCA Agent) 31.5. Mailing address: Blockbeach Labs LLC, 476 RIVERSIDE AVE. JACKSONVILLE FL 32202, United States. ──────────────────────────────────────── DISCLAIMER: These Terms of Service are provided for informational purposes and should be reviewed by a qualified attorney licensed in your jurisdiction before use. Blockbeach Labs LLC recommends consulting with legal counsel to ensure compliance with all applicable laws and regulations. Last Updated: May 25, 2026.