Terms of Service

1. Acceptance of Terms

By accessing or using our website (jaccollectiveco.com), our client portal, our white-label mobile applications, our SMS service, or any other service we operate (the "Services"), you agree to these Terms of Service ("Terms"). If you do not agree, do not use the Services.

These Terms apply to:

• Visitors to our website
• Clients that subscribe to JAC services (governed primarily by a separate Client Service Agreement, with these Terms as additional baseline)
• Members of a JAC-built white-label church app
• Affiliates in our referral program

Where a separate signed agreement (such as the Client Service Agreement or Affiliate Program Agreement) addresses a topic in conflict with these Terms, the signed agreement controls for that user.

2. Who We Are

JAC Collective Co., LLC, a Nevada limited liability company. Contact: alex@jaccollectiveco.com

3. Eligibility

You must be at least eighteen (18) years of age (or the age of majority in your jurisdiction) to create a JAC account. Members of a white-label Client App may be of any age permitted by the operating church, subject to our Minor-Data and Parental Consent Policy for those under thirteen (13).

4. Accounts

You are responsible for safeguarding your account credentials. You must promptly notify us of any unauthorized access. You are responsible for all activity that occurs under your account.

5. Acceptable Use

You agree not to:

• (a) Use the Services for any unlawful, harmful, fraudulent, or abusive purpose
• (b) Upload or transmit content that infringes intellectual property, defames any person, or violates privacy
• (c) Send SMS, email, or any communication to recipients who have not opted in
• (d) Reverse engineer, decompile, or attempt to extract source code from our software
• (e) Use the Services to compete directly with JAC (e.g., reselling our platform as your own agency offering) without a written reseller agreement
• (f) Bypass authentication, rate limits, or security mechanisms
• (g) Use automated systems (bots, scrapers) to access the Services beyond what is allowed
• (h) Upload viruses or other malicious code
• (i) Use the Services to harass, threaten, or harm others
• (j) Misrepresent your identity or affiliation
• (k) Promote content materially inconsistent with the mission orientation under which the Services are operated, where reasonably objectionable to JAC

Violation may result in suspension or termination without refund.

6. Content and Intellectual Property

6.1 — Your Content

You retain ownership of content you submit to the Services. By submitting content, you grant JAC a worldwide, non-exclusive, royalty-free license to host, process, transmit, modify (for technical adaptation), and distribute that content as necessary to provide the Services.

You represent and warrant that you hold all rights necessary to grant this license and that your content does not infringe third-party rights.

6.2 — Our Content

The Services, including software, design, text, graphics, logos, and trademarks, are owned by JAC or its licensors and protected by intellectual property laws. Nothing in these Terms transfers any of JAC's intellectual property to you.

6.3 — Feedback

If you provide feedback, suggestions, or ideas, you grant JAC a perpetual, royalty-free, irrevocable right to use them without obligation.

7. Fees and Billing

If you have subscribed to a paid plan, your billing terms are set out in the Client Service Agreement and the Refund and Cancellation Policy. By providing a payment method, you authorize JAC to charge applicable fees.

8. Third-Party Services

The Services integrate with third-party platforms — Stripe, Twilio, Apple App Store, Google Play, Meta, TikTok, YouTube, Google, Firebase, Supabase, AWS, and others. Your use of those platforms is governed by their own terms. JAC is not responsible for third-party platforms or their policies.

9. SMS

By providing your phone number and opting in, you agree to receive SMS from JAC or a Client App you have subscribed to. Standard message and data rates may apply. You may opt out by replying STOP. See our Privacy Policy and SMS Consent Notice for details.

10. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, for any reason, including violation of these Terms. Sections that by their nature should survive termination — intellectual property, indemnification, limitation of liability, disclaimers, dispute resolution — survive.

11. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." JAC DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY.

JAC DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE FROM HARMFUL COMPONENTS. JAC DOES NOT WARRANT ANY SPECIFIC RESULT FROM SOCIAL MEDIA, PAID ADVERTISING, OR THE USE OF AI-GENERATED CONTENT.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, JAC SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL.

JAC'S TOTAL AGGREGATE LIABILITY FOR ANY CLAIM RELATING TO THE SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID JAC IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

Some jurisdictions do not allow the exclusion of certain warranties or limitations on liability, so some of the above may not apply to you.

13. Indemnification

You agree to defend, indemnify, and hold harmless JAC and its officers, employees, and agents from any third-party claim arising from (a) your content, (b) your use of the Services, (c) your violation of these Terms, or (d) your violation of any law or third-party rights.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Nevada, without regard to conflict-of-laws principles.

The Parties will first attempt good-faith resolution by direct discussion. If unresolved within thirty (30) days, disputes will be resolved by binding arbitration in Clark County, Nevada, under the rules of the American Arbitration Association. Each Party bears its own fees and costs. Either Party may seek injunctive relief in court to protect intellectual property or confidential information.

YOU AND JAC AGREE TO RESOLVE DISPUTES ONLY ON AN INDIVIDUAL BASIS AND NOT AS PART OF A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

15. Changes to These Terms

We may modify these Terms at any time by posting an updated version. Material changes will be announced via the Services. Your continued use after the effective date of the change constitutes acceptance.

16. Miscellaneous

• Entire Agreement. These Terms (together with the Privacy Policy, Refund Policy, SMS Consent Notice, Minor-Data Policy, and, for paying clients, the Client Service Agreement) form the entire agreement.
• Severability. If any provision is held unenforceable, the rest remains in effect.
• No Waiver. Failure to enforce a provision is not a waiver.
• Assignment. You may not assign these Terms without our written consent. We may assign without consent in connection with a merger, acquisition, or sale of assets.
• Notices. We may give notice via the email on your account or by posting in the Services.
• Force Majeure. Neither Party is liable for delays caused by events beyond reasonable control.

17. Contact