Terms of Use

These Terms of Use shall become effective as of August 2nd, 2025

Introduction

These Terms of Use constitute a legal agreement between you and MCA and AI : DBA MCA.AI., a Delaware corporation (“MCA.AI”), having a business address at 2 S. Biscayne Blvd, Suite 3200, Miami FL 33131. By accessing this website, and any sub-sites of this website (together the “Site”), and/or using any of the Services (as defined below) accessible though the Site, you become a user (“User”) and agree to, and are bound by, the terms and conditions of this agreement and the MCA.AI Privacy Policy (collectively, “Terms”) for as long as User continues to use the Site or Services. IF USER DOES NOT AGREE TO BE BOUND BY THE TERMS, USER IS NOT AUTHRIZED TO USE THE SITE OR THE SERVICES. User’s use of, or participation in, certain Services may be subject to additional terms, and such terms will be either listed in the Terms or will be presented to User for acceptance when User signs up to use such Services or purchase such products. User shall check these Terms periodically for changes as MCA.AI reserves the right, in its sole discretion, to change, modify, add or remove portions of these Terms. User’s continued use of the Site following the posting of changes will be deemed the acceptance of the changes. The effective date of a revised version is noted on the last page of the Terms.

As used in these Terms, the following words shall have the following meanings. “MCA.AI” includes “MCA.AI, Inc.”, “MCA.AI”, “we”, “us” and variations such as “our”. “Service” includes the products, services, and software that User orders, receives, or accesses as part of User’s use of MCA.AI’s Sites.

THESE TERMS STATE THAT ANY DISPUTES BETWEEN YOU AND MCA.AI MUST BE RESOLVED IN BINDING ARBITRATION, THAT YOU WAIVE THE RIGHT TO PARTICIPATE IN ANY CLASS ACTION, AND THAT THE LAW OF THE STATE OF FLORIDA APPLIES TO ALL INTERACTIONS BETWEEN YOU AND MCA.AI. YOU MAY OPT OUT OF ARBITRATION AND THE CLASS ACTION WAIVER BY FOLLOWING THE PROCEDURES IN SECTION 10.G BELOW

1 Description of Services

MCA.AI engages in several business services (the “Services”) for which a customer may use the Site. MCA.AI serves the right to cancel a portion of any of our Services at any time.

2 Use of Site and Service:

As a user of the Site or a user registered to use any of the Services (a “Registered User”), User agrees to the following:

a. Exclusive Use. User’s account is to be used only by User and only for User’s business needs. User may not authorize others to use User’s account, and User may not assign or otherwise transfer User’s account to any other person or entity. User acknowledges that MCA.AI is not responsible for third-party access to User’s account that results from theft or misappropriation of User’s username and passwords.

b. Information Submitted. User is solely responsible for, and assume all liability regarding (i) the information and content User provides through User’s use of the Site and any Services, (ii) the information and content User makes available in any manner through the service, and (iii) User’s interaction with any and all third-parties. Any attempt to enter information to create a duplicate account will be rejected and User’s account will be suspended until further notice.

c. Risk Assumption and Precautions. User assumes all risk when using the Services, including but not limited to all of the risks associated with any interactions with third-parties, including but not limited to any lenders to which Users are matched, referred or provided.

d. No Guarantees. MCA.AI may not be able to provide matches for every individual or business seeking to use the Services. MCA.AI makes no guarantees as to the number of matches or the suitability of the business funding for any individual or business which utilizes the Services.

e. No False Information. User agrees to provide accurate, true, current and complete information. In the event that MCA.AI determines that the information that is provided is incomplete, fraudulent, false, or otherwise inaccurate, MCA.AI reserves the right to terminate User’s access to the Services.

f. Legal Purpose. User agrees to not use the Site or Services for any illegal purpose. User will only use the Site or Service in accordance with federal, state and local laws.

g. Business Purpose. User agrees to only use the Site or Services for a bona fide business purpose. User agrees not to use the Site or Services for personal, family or household purposes. User may not use the Site or Services to obtain information about or make decisions about anyone but User and/or User’s business.

3 Intellectual Property Rights:

a. Ownership of Proprietary Information. User hereby acknowledges and agrees that MCA.AI is the owner of all rights in and to the Site and Services. Federal, state, and local laws and regulations protect these proprietary rights. User is granted limited revocable license to use the Site and Services only as expressly authorized by these Terms. User may not copy, reproduce, distribute or create derivative works, reverse engineer or reverse compile any of the Site or Services or technology.

b. No Use of Confidential Information. User promises not to post, copy, modify, transmit, disclose, show in public, create any derivative works from, distribute, make commercial use of, or reproduce in any way any (i) confidential information or (ii) other copyrighted material, trademarks, or other proprietary information accessible via the Site or Services, without first obtaining the prior written consent of the owner of such proprietary rights.

c. License to Provided Content. By providing information or content to any account or public area of the Site or Service, User automatically grants, and User represents and warrants that User has the right to grant, to MCA.AI and its users, an irrevocable, perpetual, non-exclusive, fully-paid, worldwide license to use, reproduce, publicly perform, publicly display and distribute such information and content, and to prepare derivative works of, or incorporate into other works, such information and content, and to grant and authorize sub-licenses of the foregoing. From time to time, MCA.AI may create, test or implement new features or services on the Site in which User may voluntarily choose to participate, in accordance with the additional terms and conditions of such features or programs. By User’s voluntary participation in such features or programs, User grants MCA.AI the rights stated in this subsection in connection with the additional terms and conditions (if any) of such features or services.

4 Disclaimer of Warranty:

No Warranties. THIS SECTION WILL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. MCA.AI PROVIDES THE SERVICES ON AN “AS IS” AND “AS AVAILABLE” BASIS AND GRANTS NO WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE WITH RESPECT TO THE SERVICES OR THE SITE (INCLUDING ALL INFORMATION CONTAINED THEREIN), INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. MCA.AI DOES NOT WARRANT THAT USER’S USE OF THE SERVICES WILL BE SECURE, UNINTERRUPTED, ALWAYS AVAILABLE, ERROR-FREE OR WILL MEET YOUR REQUIREMENTS, OR THAT ANY DEFECTS IN THE SERVICES WILL BE CORRECTED. MCA.AI DISCLAIMS LIABILITY FOR, AND NO WARRANTY IS MADE WITH RESPECT TO, THE CONNECTIVITY AND AVAILABILITY OF THE SERVICES. Third-Party Content. Opinions, advice, statements, offers, or other information or content made available through the Site or Services, but not directly by MCA.AI, are those of their respective authors, and should not necessarily be relied upon. Such authors are solely responsible for such content. MCA.AI DOES NOT: (i) GUARANTEE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION PROVIDED ON THE SERVICES, OR (ii) ADOPT, ENDORSE OR ACCEPT RESPONSIBILITY FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE, OR STATEMENT MADE BY ANY PARTY OTHER THAN MCA.AI. UNDER NO CIRCUMSTANCES WILL MCA.AI BE RESPONSIBLE FOR ANY LOSS OR DAMAGE RESULTING FROM ANYONE’S RELIANCE ON INFORMATION OR OTHER CONTENT POSTED ON THE SITE OR SERVICES, OR TRANSMITTED TO OR BY ANY USERS.

Beta Features. From time to time, MCA.AI may offer new “beta” features or tools with which its users may experiment on the Site or Services. Such features or tools are offered solely for experimental purposes and without any warranty of any kind, and may be modified or discontinued at MCA.AI’s sole discretion. The provisions of this Disclaimer of Warranty section apply with full force to such features or tools.

5 Limitation of Liability:

Incidental Damages and Aggregate Liability. IN NO EVENT WILL MCA.AI BE LIABLE FOR ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL OR INDIRECT DAMAGES ARISING OUT OF OR RELATING TO THE USE OR INABILITY TO USE THE SERVICES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OR CORRUPTION OF DATA OR PROGRAMS, SERVICE INTERRUPTIONS AND PROCUREMENT OF SUBSTITUTE SERVICES, EVEN IF MCA.AI KNOWS OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNDER NO CIRCUMSTANCES WILL MCA.A’S AGGREGATE LIABILITY, IN ANY FORM OF ACTION WHATSOEVER IN CONNECTION WITH THIS TERMS OR THE USE OF THE SERVICES OR SITE, EXCEED THE PRICE PAID BY USER FOR USER’S ACCOUNT OR SUBSCRIPTION, OR, IF USER HAS NOT PAID MCA.AI FOR THE USE OF ANY SERVICES, THE AMOUNT OF USD $25.00 OR ITS EQUIVALENT. No Liability for non- MCA.AI Actions. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL MCA.AI BE LIABLE FOR ANY DAMAGES WHATSOEVER, WHETHER DIRECT, INDIRECT, GENERAL, SPECIAL, COMPENSATORY, CONSEQUENTIAL, AND/OR INCIDENTAL, ARISING OUT OF OR RELATING TO THE CONDUCT OF USER OR ANYONE ELSE IN CONNECTION WITH THE USE OF THE SERVICES.

Information Verification. MCA.AI and its contractors may use various methods of verifying information that users have provided. However, none of those ways are perfect, and User agrees that MCA.AI and its contractors will have no liability to User arising from any incorrectly verified information.

6 Indemnification:

User agrees to indemnify, defend and hold harmless MCA.AI, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorneys’ fees) relating to or arising out of (i) User’s use of or inability to use the Site or Services, (ii) any User’s postings, (iii) User’s violation of any terms of these Terms or User’s violation of any rights of a third-party, or (iv) User’s violation of any applicable laws, rules or regulations. MCA.AI reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by User, in which event User will fully cooperate with MCA.AI in asserting any available defenses.

7. Dispute Resolution by Binding Arbitration:

In the interest of resolving disputes between User and MCA.AI in the most expedient and cost-effective manner, User and MCA.AI agree that either party, at any time, may opt to adjudicate their disputes through binding arbitration instead of in courts of general jurisdiction (“Agreement to Arbitrate”). A less formal than courts, Arbitration uses a neutral arbitrator instead of a judge or jury, condenses discovery, and is subject to a limited review by courts. Arbitrators can award the same damages and relief that a court can award. Any arbitration under these Terms will take place on an individual basis; class arbitrations and class actions are not permitted. User acknowledges and agrees that the arbitrator may award relief (including monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that individual party’s claim(s). Any relief awarded cannot affect other users.

You further agree and understand that any and all disputes, whether heard before a court of competent jurisdiction, or an arbitrator, shall be done solely on an individual basis, and that User affirmatively waives User’s right to participate in a class action to resolve any dispute (as defined below) that User may have with MCA.AI.

User understands that by entering into this agreement, User and MCA.AI are each waiving the right to a trial by jury or to participate in a class action:

a. Claims To Be Resolved By Binding Arbitration. User and MCA.AI agree to arbitrate all disputes and claims that may arise under this agreement. This agreement to arbitrate is intended to be broadly interpreted. It includes, but is not limited to: claims arising out of or relating to any aspect of the relationship between the parties, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory; claims that arose before this or any prior Terms; claims that are currently the subject of purported class action litigation in which User is not a member of a certified class; and claims that may arise after the termination of these Terms.

b. Exceptions. Notwithstanding Section 7(a), User and MCA.AI agree that no statement herein shall be deemed to waive, preclude, or otherwise limit either party’s right to (i) pursue enforcement actions through applicable federal, state, or local agencies where such actions are available; (ii) seek injunctive relief in any competent court of law; or (iii) to file suit in a court of law to address intellectual property infringement claims.

c. Arbitrator. Any arbitration between User and MCA.AI will be governed by Texas Justice Center, LLC ("Texas Justice Center”) or, in case Texas Justice Center is unavailable as arbitrator at the time when the intent to arbitrate arises, the parties hereto may commence an arbitration proceeding with jams, formerly known as Judicial Arbitration and Mediation services, inc. (“JAMS”), or, alternatively, the party Intending to arbitrate a dispute between the parties hereto may seek court’s appointment of an arbitrator to arbitrate a dispute between the parties hereto.

d. Notice and Process. A party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to MCA.AI should be addressed to: MCA.AI, LLC., 2 S. Biscayne Blvd, Suite 2350, Miami FL 33131 (“Notice Address”). The Notice must (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought (“Demand”). If User and MCA.AI do not reach an agreement to resolve the claim within 30 days after the Notice is received, User or MCA.AI may commence an arbitration proceeding.

e. Fees. In the event that User commences arbitration in accordance with these Terms, MCA.AI will, at User’s request, reimburse User for User’s payment of the arbitration filing fee, unless User’s claim is for greater than $10,000, in which case the payment of any fees shall be decided by the rules of the selected arbitration entity. Any request for payment of fees by MCA.AI should be submitted by mail to the arbitrator along with User’s Demand for Arbitration and MCA.AI will make arrangements to pay all necessary fees directly to the selected arbitrator. In the event the arbitrator determines the claim(s) User assert in the arbitration to be frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 7(b)), User agrees to reimburse MCA.AI for all fees associated with the arbitration paid by MCA.AI on User’s behalf that User otherwise would be obligated to pay under the rules of the selected arbitration entity.

If User’s claim is for $10,000 or less, User may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a non-appearance based telephonic hearing, or by an in-person hearing as established by the rules of the selected arbitration entity.

Any in-person arbitration hearings will take place at a location to be agreed upon in Broward County, Florida., Florida. Regardless of the manner in which the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the essential findings and conclusions on which the decision and award, if any, are based. The arbitrator may make rulings and resolve disputes as to the payment and reimbursement of fees or expenses at any time during the proceeding and upon request from either party made within 14 days of the arbitrator’s ruling on the merits.

f. No Class Actions. Unless both User and MCA.AI agree otherwise, the arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding.

USER AND MCA.AI AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN OWN OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

g. Opt-Out. If User is a new MCA.AI user, User can choose to reject the arbitration agreement contained in this Section 7 (“opt-out”) by mailing to MCA.AI a written opt-out notice (“Opt-Out Notice”). The Opt-Out Notice must be postmarked no later than thirty (30) days after the date User accept these Terms for the first time. User must mail the Opt-Out Notice to the Notice Address listed in Section 7(d), above.

The Opt-Out Notice must contain User’s name, address (including street address, city, state and zip code), and the user name(s) and email address(es) associated with the MCA.AI account(s) to which the Opt-Out applies. User must sign the Opt-Out Notice for it to be effective. This procedure is the only way User can opt out of the Agreement to Arbitrate. If User Opt-Out of the Agreement to Arbitrate, all other parts of the Terms will continue to apply to the User. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that User may have with MCA.AI.

h. Modifications. If MCA.AI makes any future change to this Agreement to Arbitrate (other than a change to the Notice Address), User may reject any such change by sending a written notice to MCA.AI within 30 days of the change to the Notice Address provided above. User acknowledges and agrees that, in the event User rejects any future change, User’s account with MCA.AI shall be immediately terminated and User will arbitrate any dispute between the parties in accordance with the language of this provision.

i. Severability and Enforceability. If an arbitrator or court decides that any part of this Section 7 is invalid or unenforceable, the other parts of this Section 10 shall still apply. If the entirety of this Section 10 is found to be unenforceable, then the parties agree that the exclusive jurisdiction and venue described in Section 15 shall govern any action arising out of or related to these Terms, and that the remainder of the Terms will continue to apply.

8. Telephone communications and agreement to be contacted:

Call Recording and Monitoring. User acknowledges that telephone calls to or from MCA.AI, together with its agents and affiliates, may be monitored and recorded and User agrees to such monitoring and recording.

Providing Telephone Numbers and Other Contact Information. User shall verify and confirm that any contact information provided to MCA.AI, including, but not limited to, User’s name, mailing address, email address, User’s residential or business telephone number, and/or User’s mobile telephone number, is true and accurate. User verifies that User is the current subscriber or owner of any telephone number that User provides. User is strictly prohibited from providing a phone number that is not owned by User. If MCA.AI discovers that any information provided in connection with User’s registration is false or inaccurate, MCA.AI reserves the right to suspend or terminate User’s account at any time. Should any of User’s contact information change, including ownership of User’s telephone numbers, User agrees to immediately notify MCA.AI before the change goes into effect by replying STOP to any text message User receives from MCA.AI, by calling MCA.AI at 516-666-6661, notifying MCA.AI in writing by sending such notification via email to privacy@MCA.AI.

User’s Consent to Receive Automated Calls/Texts. User acknowledges that by voluntarily providing User’s telephone number(s), User expressly agrees to receive artificial voices, prerecorded voice messages, and/or autodialed calls and text messages (such as SMS, MMS, or successor protocols or technologies) from MCA.AI, and third-parties acting on its behalf, related to promotions, User’s account, any application or transaction, and/or User’s relationship with MCA.AI. User acknowledges that automated calls or text messages may be made to User’s telephone number(s) even if User’s telephone number(s) is registered on any state or federal Do Not Call list. User agrees that MCA.AI may obtain, and User expressly agrees to be contacted at, any email addresses, mailing addresses, or phone numbers provided by User or User’s representative at any time or obtained through other lawful means, such as skip tracing, caller ID capture, or other means. User agrees to receive automated calls and text messages from MCA.AI, even if User cancels User’s account or terminates User’s relationship with MCA.AI, except if User opts-out (see below). User understands that User does not have to agree to receive automated promotional calls/texts as a condition of purchasing any goods or services or account creation. If User does not consent, User may call us at (888) 998-1414 or via email to privacy@MCA.AI to further inquire about MCA.AI products and services. To opt-out, please see the Opt-Out Instructions below.

Opt-Out Instructions. User’s consent to receive automated calls and texts is completely voluntary. User may opt-out at any time. To opt-out of text messages, User must reply STOP to any text message User receives from MCA.AI. User may also text HELP for help. User acknowledges and agrees to accept a final text message confirming User’s opt-out. MCA.AI may use different shortcodes for different messaging purposes, so texting STOP to one shortcode will not effectuate a stop request for all shortcodes to which User is subscribed. If User wishes to stop messages from multiple shortcodes, User must reply STOP to each shortcode from which User would like to unsubscribe. Alternatively, User may email to privacy@MCA.AI advising that User wants to opt out of text messages and specifying the phone number(s) for which that opt-out should apply To opt-out of automated voice calls (not text messages), User must (i) provide MCA.AI with written notice revoking User’s consent to receiving automated calls; (ii) in that written notice, User must include User’s full name, mailing address, account number, and the specific phone number(s) for which User wishes to stop automated calls; and (iii) send this written notice to privacy@MCA.AI. It is User’s sole responsibility to notify MCA.AI if User no longer wants to receive automated calls or text messages. User waives any rights to bring claims for unauthorized or undesired calls or text messages by failing to opt-out immediately or by failing to follow these instructions. Please allow up to thirty (30) days to process any opt-out request. Please note that if User opts out of automated calls or text messages, MCA.AI reserves the right to make non-automated calls to User. It is possible that third parties may have User’s contact information and User may continue to receive communications from these third parties despite an opt out request. MCA.AI is not responsible for unwanted contact from third parties. User may contact third parties directly to inform them of User’s communication preferences.

Fees and Charges. There is no fee to receive automated telephone calls or text messages from F MCA.AI. However, User may incur a charge for these calls or text messages from User’s telephone carrier, which is User’s sole responsibility. Message and data rates may apply. User is solely responsible for checking User’s telephone plan and contact User’s carrier for details. User represents and warrants that User is authorized to incur such charges and acknowledges that MCA.AI is not responsible for such charges. Unauthorized Use of Telephone Device. User must notify MCA.AI immediately of any breach of security or unauthorized use of User’s telephone device. Although MCA.AI will not be liable for losses caused by any unauthorized use of User’s telephone device, User may be liable for our losses due to such unauthorized use.

User’s Indemnification of MCA.AI. Users agrees to indemnify MCA.AI for any privacy, tort or other claims, including claims under the Federal Telephone Consumer Protection Act or its state law equivalent, including claims relating to User’s voluntary provision of a telephone number that is not owned by User and/or User’s failure to notify MCA.AI of any changes in User’s contact information, including telephone number. User agrees to indemnify, defend and hold MCA.AI harmless from and against any and all such claims, losses, liabilities, costs and expenses (including reasonable attorneys’ fees). MCA.AI shall have the exclusive right to choose counsel, at User’s expense, to defend any such claims.

Release of Claims. In consideration of the services provided by MCA.AI, User hereby releases MCA.AI from any and all claims, causes of action, lawsuits, injuries, damages, losses, liabilities or other harms resulting from or relating to telephone calls or text messages, including without limitation any claims, causes of action, or lawsuits based on any alleged violations of the law (including, without limitation, the Telephone Consumer Protection Act, Truth in Caller ID Act, Telemarketing Sales Rule, Fair Debt Collection Practices Act, or any similar state and local acts or statutes, and any federal or state tort or consumer protection laws).

General. User is responsible for obtaining and maintaining all telephone devices and other equipment and software, and all internet service providers, mobile service, and other services needed to receive calls and text messages. Text messaging may only be available with select carriers with compatible handsets. User’s obligations under this Section will survive termination of these Terms of Service.

Text message Terms and Conditions:

By “Opting In” to or using a MCA.AI Text Message Service (“SMS Service”), User accepts these Terms and Conditions and agrees to resolve disputes with MCA.AI through binding arbitration (and with very limited exceptions, not in court), and User waives any right to participate in class actions, all as detailed in Section 10 entitled “Dispute Resolution by Binding Arbitration; Class Action Waivers” section MCA.AI’s Terms of Use.

a. By opting In to MCA.AI’s Text Message Service, User authorizes and agrees to allow MCA.AI to use an autodialer or non-autodialer technology to send text message to the cell phone number associated with User’s Opt-In (i.e., the number listed on the Opt-In form or instructions, or, if none, the number form which User sends the Opt-In, or, if none, the number on file for the account associated with User’s Opt-In). User authorizes MCA.AI to include marketing content in any such messages. User does not have to Opt-In or agree to Opt-In as a condition of purchase or service.

User confirms that User is the subscriber to the relevant phone number or that User is the customary user of that number on a family or business plan and that User is authorized to Opt-In.

After Opting-In, in addition to the main messages the service offers, User may receive one or more welcome messages or administrative messages, such as (in some cases) a request to confirm User’s Opt-In.

b. User can cancel the SMS service at any time by texting “STOP” to the short code. After User sends the SMS message “STOP” to MCA.AI, MCA.AI will send User an SMS message to confirm that User has been unsubscribed. After this, User will no longer receive SMS messages from MCA.AI. If User wants to join again, just sign up as User did initially and MCA.AI will resume sending SMS messages to User.

c. If User is experiencing issues with the messaging program User can reply with the keyword HELP for more assistance, or User can get help directly at customerservice@MCA.AI or 516-666-6661

d. Carriers are not liable for delayed or undelivered messages

e. As always, message and data rates may apply for any messages communicated between User and MCA.AI. User will receive up to 15 messages/month. If User has any questions about User’s text plan or data plan, contacting User’s wireless provider is preferable.

f. If User has any questions regarding privacy, User may read MCA.AI privacy policy:

https://www. MCA.AI/privacy-policy/

9. General Provisions:

Controlling Law and Jurisdiction. User agrees that Florida (without giving effect to its conflicts of law principles) will govern these Terms, the Site and the Services and that any dispute arising out of or relating to these Terms, the Site or the Services will be subject to the exclusive jurisdiction and venue of the federal and state courts in Broward County, Florida. County. User acknowledges and agrees that any violation of these Terms may cause MCA.AI irreparable harm, and therefore agree that MCA.AI will be entitled to seek extraordinary relief in court, including but not limited to temporary restraining orders, preliminary injunctions, and permanent injunctions without the necessity of posting a bond or other security, in addition to and without prejudice to any other rights or remedies that MCA.AI may have for a breach of these Terms. These Terms, which User accepts upon registration for the Services, the Privacy Policy located on the Site, and any applicable payment, renewal, additional services terms, comprise the entire agreement between User and MCA.AI regarding the use of this Service, superseding any prior agreements between User and MCA.AI related to User’s use of this Site or Services (including, but not limited to, any prior versions of this Terms). The FAQ’s found on the Services are for informational purposes only and are not deemed to be part of this Terms. Unless otherwise explicitly stated, the Terms will survive termination of User’s registration to the Service. The failure of MCA.AI to exercise or enforce any right or provision of these Terms does not constitute a waiver of such right or provision. If any provision of these Terms is held invalid, the remainder of the Terms will continue in full force and effect. Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to the use of the Site, or the Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred. The section titles in the Terms are for convenience only and have no legal or contractual effect.

10. User Information

a. Privacy Policy. For information about the collection and possible use of information and material provided by User, please visit MCA.AI’s Privacy Policy located on the Site. By using the Site or the Services, User is consenting to the terms of MCA.AI’s Privacy Policy.

b. Disclosure by Law. User acknowledges and agrees that MCA.AI may disclose information User provides if required to do so by law, at the request of a third-party, or if MCA.AI, in its sole discretion, believes that disclosure is reasonable to (i) comply with the law, requests or orders from law enforcement, or any legal process (whether or not such disclosure is required by applicable law); or (ii) protect or defend MCA.AI’s, or a third-party’s, rights or property.

c. Information Security. MCA.AI diligently protects itself and its users from unauthorized access to or unauthorized alteration, disclosure or destruction of information held by MCA.AI. In particular:

i. Most of MCA.AI data and services are encrypted using industry standard methods.

ii. MCA.AI reviews information collection, storage and processing practices, including physical security measures, to prevent or mitigate unauthorized access to systems.

iii. MCA.AI restricts access to personal information to MCA.AI employees, contractors and agents who need to know that information in order to process it for MCA.AI, and who are subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations.

d. Use of Anonymous Information for Research. By using the Site and/or Services, User agrees to allow MCA.AI to anonymously use the information from User and User’s experiences through the Services to continue MCA.AI’s research into successful business practices and to improve the Services.

e. License Regarding Your Content. User retains all ownership interest in and to the content User provides to the Site or as part of User’s use of the Services. However, by submitting User’s content, including User’s personal and business information, User hereby grants to MCA.AI a perpetual, non-exclusive, irrevocable, royalty-free license to reproduce, adapt, edit, modify, translate, publish, transfer, and/or distribute any of User’s content. This license specifically includes the right for MCA.AI to make such content available to other trusted companies, organizations, and/or individuals with whom MCA.AI has a business relationship in order to carry out the performance of the Services. As part of its performance of the Services, MCA.AI may (i) transmit or distribute User’s information over various public networks and in various forms; and (ii) make necessary changes to User’s content in order to perform its obligations.

11. Restrictions

User may not, and will make all reasonable efforts to make sure any third parties do not: Use the Services as a money services business, money transmitter, payment intermediary, aggregator, or service bureau or resell the Services in any manner. Use the Services on behalf of a third party in any manner. Abuse the Services in any manner. Create a similar product or service through use of or access to the Service. Use the Service in violation of any law, regulation, or rule. Use the Service to perpetuate or commit a fraud of any kind. Use the Services in any way that is not authorized by MCA.AI. Use the Service for personal bank accounts.

12. Content

All text, graphics, user interfaces, visual interfaces, photographs, trademarks (whether registered or not), logos, sounds, artwork of any kind, and computer code (collectively, “Content”), including but not limited to the design, structure, coordination, selection, appearance, and arrangement of the Content, contained on the Site is owned by MCA.AI and is protected by trade dress, copyright, trademark, and other property laws and unfair competition laws. Any misuse of the Content will be at User’s peril and MCA.AI will do all that is lawful to enforce and protect the Content.

13. Confidentiality

MCA.AI takes every reasonable precaution to protect User’s account and account information, however, MCA.AI cannot guarantee the security of any information User discloses. This includes User’s sharing of account information with any third party, including employees, contractors, vendors, suppliers, etc. of User’s business. User agrees and acknowledges that the security of User’s data is User’s responsibility.

Your use of the Services is further governed by our Privacy Policy.

14. Notification of Terms of Use Changes

MCA.AI reserves the right to update these Terms of Use to reflect changes to MCA.AI’s business operations and the methods by which MCA.AI works with User, including changing vendors, and other policies relevant to our Services. If MCA.AI makes any material changes MCA.AI will notify User by email (sent to the email address specified in User’s account) or by means of a notice on this Site. MCA.AI encourages User to periodically review this page for the latest information on our Terms of Use. When MCA.AI makes changes to these Terms of Use MCA.AI will revise the revision date at the top of the Terms of Use.

15. Term and Termination

This agreement will become effective upon User’s acceptance of the Terms by User’s use of the Site or Services and will remain in effect in perpetuity unless terminated hereunder. MCA.AI may terminate User’s account at any time, for any reason or no reason, without explanation, effective upon written notice to the other party. MCA.AI reserves the right to immediately suspend or terminate User’s access to any of the Services, without notice, for any reason or no reason. MCA.AI also reserves the right to refuse to remove User’s account information or data from the Services and any other records at any time to comply with legal and regulatory requirements. In the event User’s access to any of the Services is suspended due to the breach of these Terms, User agrees that all fees then paid to MCA.AI by User will be nonrefundable and all outstanding or pending payments will immediately be due. User may terminate User’s account by following the steps in the applicable section under “Cancellations.” Sections 10 and 11 shall survive any termination of this Agreement.

These Terms of Use is effective as of October 5, 2025

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1. Description of Services

MCA.AI connects business owners with funding companies through its Marketplace Services. We reserve the right to modify or cancel services at any time.

Marketplace Services

MCA.AI matches qualified small business owners with active funding companies, investors, and other funding sources (the “Marketplace Services”). MCA.AI assists business owners to identify the business funding type and specific business Funder’s (s) that may offer the business an opportunity to prepare for and acquire a business loan.

Other miscellaneous services

MCA.AI may add additional products and services over time, and these Terms of Use shall apply to those additional services.

2. Use of Site and Service

As a user of the Site or a user registered to use any of the Services (a “Registered User”), you agree to the following:

Exclusive Use. Your account is to be used only by you and only for your business needs. You may not authorize others to use your account, and you may not assign or otherwise transfer your account to any other person or entity. You acknowledge that MCA.AI is not responsible for third-party access to your account that results from theft or misappropriation of your user name and passwords.
Information Submitted. You are solely responsible for, and assume all liability regarding (i) the information and content you provide through your use of the Site and any Services, (ii) the information and content you make available in any manner through the service, and (iii) your interaction with any and all third-parties. Any attempt to enter information to create a duplicate account will be rejected and your account will be put on hold.
Risk Assumption and Precautions. You assume all risk when using the Services, including but not limited to all of the risks associated with any interactions with third-parties, including but not limited to any lenders to which you are matched, referred or provided.
No Guarantees. MCA.AI may not be able to provide matches for every individual or business seeking to use the Services. MCA.AI makes no guarantees as to the number of matches or the suitability of the business funding for any individual or business which utilizes the Services.
No False Information. You agree to provide accurate, true, current and complete information. In the event that MCA.AI determines that the information that is provided is incomplete, fraudulent, false, or otherwise inaccurate, MCA.AI reserves the right to terminate your access to the Services.
Legal Purpose. You agree to not use the Site or Services for any illegal purpose. You will only use the Site or Service in accordance with federal, state and local laws.
Business Purpose. You agree to only use the Site or Services for a bona fide business purpose. You agree not to use the Site or Services for personal, family or household purposes. You may not use the Site or Services to obtain information about or make decisions about anyone but yourself and/or your business.

3. Intellectual Property Rights

Ownership of Proprietary Information. You hereby acknowledge and agree that MCA.AI is the owner of all rights in and to the Site and Services. Federal, state, and local laws and regulations protect these proprietary rights. You are permitted to use the Site and Services only as expressly authorized by these Terms. You may not copy, reproduce, distribute or create derivative works, reverse engineer or reverse compile any of the Site or Services or technology.
No Use of Confidential Information. You will not post, copy, modify, transmit, disclose, show in public, create any derivative works from, distribute, make commercial use of, or reproduce in any way any (i) confidential information or (ii) other copyrighted material, trademarks, or other proprietary information accessible via the Site or Services, without first obtaining the prior written consent of the owner of such proprietary rights.
License to Provided Content. By providing information or content to any account or public area of the Site or Service, you automatically grant, and you represent and warrant that you have the right to grant, to MCA.AI and its users, an irrevocable, perpetual, non-exclusive, fully-paid, worldwide license to use, reproduce, publicly perform, publicly display and distribute such information and content, and to prepare derivative works of, or incorporate into other works, such information and content, and to grant and authorize sub-licenses of the foregoing. From time to time, we may create, test or implement new features or services on the Site in which you may voluntarily choose to participate, in accordance with the additional terms and conditions of such features or programs. By your voluntary participation in such features or programs, you grant us the rights stated in this subsection in connection with the additional terms and conditions (if any) of such features or services.

4. Links to Third Party Websites and Dealings with Advertisers and Sponsors

The Site and Services may contain links to websites of third-parties, including without limitation, advertisers, which are not under the control of MCA.AI, and MCA.AI is not responsible for the content of any linked site or any link contained in a linked site, or any changes or updates to such websites. MCA.AI provides these links to you as a convenience, and the inclusion of any link does not imply that MCA.AI endorses or accepts any responsibility for the content on such third-party websites. Your correspondence or business dealings with, or participation in promotions of, advertisers or third-parties found on or through the Site or Services are solely between you and such advertiser or third-party. You agree that MCA.AI will not be responsible or liable for any loss or damage of any sort incurred as the result of the presence of such advertisers on the Site or Services. Please visit our Privacy Policy to learn more about how we use your information.

5. Disclaimer of Warranty

No Warranties. THIS SECTION WILL APPLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. MCA.AI PROVIDES THE SERVICES ON AN “AS IS” AND “AS AVAILABLE” BASIS AND GRANTS NO WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE WITH RESPECT TO THE SERVICES OR THE SITE (INCLUDING ALL INFORMATION CONTAINED THEREIN), INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. MCA.AI DOES NOT WARRANT THAT YOUR USE OF THE SERVICES WILL BE SECURE, UNINTERRUPTED, ALWAYS AVAILABLE, ERROR-FREE OR WILL MEET YOUR REQUIREMENTS, OR THAT ANY DEFECTS IN THE SERVICES WILL BE CORRECTED. MCA.AI DISCLAIMS LIABILITY FOR, AND NO WARRANTY IS MADE WITH RESPECT TO, THE CONNECTIVITY AND AVAILABILITY OF THE SERVICES.
Third Party Content. Opinions, advice, statements, offers, or other information or content made available through the Site or Services, but not directly by MCA.AI, are those of their respective authors, and should not necessarily be relied upon. Such authors are solely responsible for such content. MCA.AI DOES NOT: (i) GUARANTEE THE ACCURACY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION PROVIDED ON THE SERVICES, OR (ii) ADOPT, ENDORSE OR ACCEPT RESPONSIBILITY FOR THE ACCURACY OR RELIABILITY OF ANY OPINION, ADVICE, OR STATEMENT MADE BY ANY PARTY OTHER THAN MCA.AI. UNDER NO CIRCUMSTANCES WILL MCA.AI BE RESPONSIBLE FOR ANY LOSS OR DAMAGE RESULTING FROM ANYONE’S RELIANCE ON INFORMATION OR OTHER CONTENT POSTED ON THE SITE OR SERVICES, OR TRANSMITTED TO OR BY ANY USERS.
Beta Features. From time to time, MCA.AI may offer new “beta” features or tools with which its users may experiment on the Site or Services. Such features or tools are offered solely for experimental purposes and without any warranty of any kind, and may be modified or discontinued at MCA.AI’s sole discretion. The provisions of this Disclaimer of Warranty section apply with full force to such features or tools.

6. Limitation of Liability

Incidental Damages and Aggregate Liability. IN NO EVENT WILL MCA.AI BE LIABLE FOR ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL OR INDIRECT DAMAGES ARISING OUT OF OR RELATING TO THE USE OR INABILITY TO USE THE SERVICES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OR CORRUPTION OF DATA OR PROGRAMS, SERVICE INTERRUPTIONS AND PROCUREMENT OF SUBSTITUTE SERVICES, EVEN IF MCA.AI KNOWS OR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNDER NO CIRCUMSTANCES WILL MCA.AI’S AGGREGATE LIABILITY, IN ANY FORM OF ACTION WHATSOEVER IN CONNECTION WITH THIS TERMS OR THE USE OF THE SERVICES OR SITE, EXCEED THE PRICE PAID BY YOU FOR YOUR ACCOUNT OR SUBSCRIPTION, OR, IF YOU HAVE NOT PAID MCA.AI FOR THE USE OF ANY SERVICES, THE AMOUNT OF USD $25.00 OR ITS EQUIVALENT.
No Liability for non-MCA.AI Actions. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL MCA.AI BE LIABLE FOR ANY DAMAGES WHATSOEVER, WHETHER DIRECT, INDIRECT, GENERAL, SPECIAL, COMPENSATORY, CONSEQUENTIAL, AND/OR INCIDENTAL, ARISING OUT OF OR RELATING TO THE CONDUCT OF YOU OR ANYONE ELSE IN CONNECTION WITH THE USE OF THE SERVICES.
Information Verification. MCA.AI and its contractors may use various methods of verifying information that users have provided. However, none of those ways are perfect, and you agree that MCA.AI and its contractors will have no liability to you arising from any incorrectly verified information.

7. Indemnification

You agree to indemnify, defend and hold harmless MCA.AI, its officers, directors, employees, agents and third parties, for any losses, costs, liabilities and expenses (including reasonable attorneys’ fees) relating to or arising out of (i) your use of or inability to use the Site or Services, (ii) any user postings made by you, (iii) your violation of any terms of these Terms or your violation of any rights of a third-party, or (iv) your violation of any applicable laws, rules or regulations. MCA.AI reserves the right, at its own cost, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will fully cooperate with MCA.AI in asserting any available defenses.

8. User Information

Privacy Policy. For information about the collection and possible use of information and material provided by you, please visit MCA.AI’s Privacy Policy located on the Site. By using the Site or the Services, you are consenting to the terms of MCA.AI’s Privacy Policy.
Disclosure by Law. You acknowledge and agree that MCA.AI may disclose information you provide if required to do so by law, at the request of a third-party, or if we, in our sole discretion, believe that disclosure is reasonable to (i) comply with the law, requests or orders from law enforcement, or any legal process (whether or not such disclosure is required by applicable law); or (ii) protect or defend MCA.AI’s, or a third-party’s, rights or property.
Information Security. We work hard to protect MCA.AI and our users from unauthorized access to or unauthorized alteration, disclosure or destruction of information we hold. In particular:

We encrypt many of our services using industry standard methods.
We review our information collection, storage and processing practices, including physical security measures, to guard against unauthorized access to systems.
We restrict access to personal information to MCA.AI employees, contractors and agents who need to know that information in order to process it for us, and who are subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations.

Use of Anonymous Information for Research. By using the Site and/or Services, you agree to allow MCA.AI to anonymously use the information from you and your experiences through the Services to continue MCA.AI’s research into successful business practices and to improve the Services.
License Regarding Your Content. You retain all ownership interest in and to the content you provide to the Site or as part of your use of the Services. However, by submitting your content, including your personal and business information, you hereby grant to MCA.AI a perpetual, non-exclusive, irrevocable, royalty-free license to reproduce, adapt, edit, modify, translate, publish, transfer, and/or distribute any of your content. This license specifically includes the right for MCA.AI to make such content available to other trusted companies, organizations, and/or individuals with whom MCA.AI has a business relationship in order to carry out the performance of the Services. As part of its performance of the Services, MCA.AI may (i) transmit or distribute your information over various public networks and in various forms; and (ii) make necessary changes to your content in order to perform its obligations.

9. Restrictions

You may not, and will make all reasonable efforts to make sure any third parties do not:

Use the Services as a money services business, money transmitter, payment intermediary, aggregator, or service bureau or resell the Services in any manner.
Use the Services on behalf of a third party in any manner.
Abuse the Services in any manner.
Use the Service in violation of any other agreement you may have, including without limitation, the agreement you have with WePay, Paypal, Square, Stripe, Plaid, or any of your financial accounts.
Create a similar product or service through use of or access to the Service.
Use the Service in violation of any law, regulation, or rule.
Use the Service to perpetuate or commit a fraud of any kind.
Use the Services in any way that is not authorized by MCA.AI.
Use the Service for personal bank accounts.

10. Dispute Resolution by Binding Arbitration

In the interest of resolving disputes between you and MCA.AI in the most expedient and cost-effective manner, you and MCA.AI agree that either party, at any time, may opt to adjudicate their disputes through binding arbitration instead of in courts of general jurisdiction (“Agreement to Arbitrate”). Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator instead of a judge or jury, condenses discovery, and is subject to very limited review by courts. Arbitrators can award the same damages and relief that a court can award. Any arbitration under these Terms will take place on an individual basis; class arbitrations and class actions are not permitted. You acknowledge and agree that the arbitrator may award relief (including monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that individual party’s claim(s). Any relief awarded cannot affect other users. You further agree and understand that any and all disputes, whether heard before a court of competent jurisdiction, or an arbitrator, shall be done solely on an individual basis, and that you affirmatively waive your right to participate in a class action to resolve any dispute (as defined below) that you may have with MCA.AI. You understand that by entering into this agreement, you and MCA.AI are each waiving the right to a trial by jury or to participate in a class action:

Claims To Be Resolved By Binding Arbitration. You and MCA.AI agree to arbitrate all disputes and claims between us. This agreement to arbitrate is intended to be broadly interpreted. It includes, but is not limited to: claims arising out of or relating to any aspect of the relationship between us, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory; claims that arose before this or any prior Terms; claims that are currently the subject of purported class action litigation in which you are not a member of a certified class; and claims that may arise after the termination of these Terms.
Exceptions. Notwithstanding Section 10(a), you and MCA.AI agree that no statement herein shall be deemed to waive, preclude, or otherwise limit either party’s right to (i) pursue enforcement actions through applicable federal, state, or local agencies where such actions are available; (ii) seek injunctive relief in any competent court of law; or (iii) to file suit in a court of law to address intellectual property infringement claims.
Arbitrator. Any arbitration between you and MCA.AI will be governed by the Commercial Dispute Resolution Procedures (collectively, “AAA Rules”) of the American Arbitration Association (“AAA”), as modified by these Terms, and will be administered by the AAA. The AAA Rules and filing forms are available online at www.adr.org, by calling the AAA at 1-800-778-7879.
Notice and Process. A party who intends to seek arbitration must first send to the other, by certified mail, a written Notice of Dispute (“Notice”). The Notice to MCA.AI should be addressed to: MCA.AI, 4100 Chapel Ridge Road, Suite 500, Lehi, UT 84043 (“Notice Address”). The Notice must (a) describe the nature and basis of the claim or dispute; and (b) set forth the specific relief sought (“Demand”). If you and MCA.AI do not reach an agreement to resolve the claim within 30 days after the Notice is received, you or MCA.AI may commence an arbitration proceeding.
Fees. In the event that you commence arbitration in accordance with these Terms, MCA.AI will, at your request, reimburse you for your payment of the arbitration filing fee, unless your claim is for greater than $10,000, in which case the payment of any fees shall be decided by the AAA Rules. Any request for payment of fees by MCA.AI should be submitted by mail to the AAA along with your Demand for Arbitration and MCA.AI will make arrangements to pay all necessary fees directly to the AAA. In the event the arbitrator determines the claim(s) you assert in the arbitration to be frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), you agree to reimburse MCA.AI for all fees associated with the arbitration paid by MCA.AI on your behalf that you otherwise would be obligated to pay under the AAA’s rules.

If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a non-appearance based telephonic hearing, or by an in-person hearing as established by the AAA Rules.
No Class Actions. Unless both you and MCA.AI agree otherwise, the arbitrator may not consolidate more than one person’s claims, and may not otherwise preside over any form of a representative or class proceeding.

YOU AND MCA.AI 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 OR REPRESENTATIVE PROCEEDING:

Opt-Out. If you are a new MCA.AI user, you can choose to reject the arbitration agreement contained in this Section 10 (“opt-out”) by mailing us a written opt-out notice (“Opt-Out Notice”). The Opt-Out Notice must be postmarked no later than thirty (30) days after the date you accept these Terms for the first time. You must mail the Opt-Out Notice to the Notice Address listed in Section 10(d), above.

The Opt-Out Notice must contain your name, address (including street address, city, state and zip code), and the user name(s) and email address(es) associated with the MCA.AI account(s) to which the opt-out applies. You must sign the Opt-Out Notice for it to be effective. This procedure is the only way you can opt out of the Agreement to Arbitrate. If you opt out of the Agreement to Arbitrate, all other parts of the Terms will continue to apply to you. Opting out of this Agreement to Arbitrate has no effect on any previous, other, or future arbitration agreements that you may have with MCA.AI.
Modifications. If MCA.AI makes any future change to this Agreement to Arbitrate (other than a change to the Notice Address), you may reject any such change by sending us written notice within 30 days of the change to the Notice Address provided above. You acknowledge and agree that, in the event you reject any future change, your account with MCA.AI shall be immediately terminated and you will arbitrate any dispute between us in accordance with the language of this provision.
Severability and Enforceability. If an arbitrator or court decides that any part of this Section 10 is invalid or unenforceable, the other parts of this Section 10 shall still apply. If the entirety of this Section 10 is found to be unenforceable, then the parties agree that the exclusive jurisdiction and venue described in Section 15 shall govern any action arising out of or related to these Terms, and that the remainder of the Terms will continue to apply.

11. Telephone communications and agreement to be contacted:

Call Recording and Monitoring. You acknowledge that telephone calls to or from MCA.AI, together with its agents and affiliates, may be monitored and recorded and you agree to such monitoring and recording.

Providing Telephone Numbers and Other Contact Information. You verify that any contact information provided to MCA.AI, including, but not limited to, your name, mailing address, email address, your residential or business telephone number, and/or your mobile telephone number, is true and accurate. You verify that you are the current subscriber or owner of any telephone number that you provide. You are strictly prohibited from providing a phone number that is not your own. If we discover that any information provided in connection with your registration is false or inaccurate, we may suspend or terminate your account at any time. Should any of your contact information change, including ownership of your telephone numbers, you agree to immediately notify us before the change goes into effect by replying STOP to any text message you receive from us, by calling us at (855) 853-6346 notifying us in writing by sending such notification via email to privacy@mca.ai.

Your Consent to Receive Automated Calls/Texts. You acknowledge that by voluntarily providing your telephone number(s), you expressly agree to receive artificial voices, prerecorded voice messages, and/or autodialed calls and text messages (such as SMS, MMS, or successor protocols or technologies) from MCA.AI, and third-parties acting on its behalf, related to promotions, your account, any application or transaction, and/or your relationship with MCA.AI. You acknowledge that automated calls or text messages may be made to your telephone number(s) even if your telephone number(s) is registered on any state or federal Do Not Call list. You agree that MCA.AI may obtain, and you expressly agree to be contacted at, any email addresses, mailing addresses, or phone numbers provided by you or your representative at any time or obtained through other lawful means, such as skip tracing, caller ID capture, or other means. You agree to receive automated calls and text messages from MCA.AI, even if you cancel your account or terminate your relationship with us, except if you opt-out (see below). You understand that you do not have to agree to receive automated promotional calls/texts as a condition of purchasing any goods or services or account creation. If you do not consent, you may call us at (855) 853-6346 or via email to privacy@mca.ai to further inquire about our products and services.

Opt-Out Instructions. Your consent to receive automated calls and texts is completely voluntary. You may opt-out at any time. To opt-out of text messages, reply STOP to any text message you receive from us. You may also text HELP for help. You acknowledge and agree to accept a final text message confirming your opt-out. We may use different shortcodes for different messaging purposes, so texting STOP to one shortcode will not effectuate a stop request for all shortcodes to which you are subscribed. If you would like to stop messages from multiple shortcodes, reply STOP to each shortcode to which you would like to unsubscribe. Alternatively, you may privacy@mca.ai advising that you want to opt out of text messages and specifying the phone number(s) for which that opt-out should apply. To opt-out of automated voice calls (not text messages), you must (i) provide us with written notice revoking your consent to receiving automated calls; (ii) in that written notice, you must include your full name, mailing address, account number, and the specific phone number(s) for which you wish to stop automated calls; and (iii) send this written notice to privacy@mca.ai. It is your sole responsibility to notify us if you no longer want to receive automated calls or text messages. You waive any rights to bring claims for unauthorized or undesired calls or text messages by failing to opt-out immediately or by failing to follow these instructions. Please allow up to thirty (30) days to process any opt-out request. Please note that if you opt out of automated calls or text messages, we reserve the right to make non-automated calls to you. It is possible that third parties may have your contact information and you may continue to receive communications from these third parties despite an opt out request. We are not responsible for unwanted contact from third parties. Please contact third parties directly to inform them of your communication preferences.

Fees and Charges. There is no fee to receive automated telephone calls or text messages from MCA.AI. However, you may incur a charge for these calls or text messages from your telephone carrier, which is your sole responsibility. Message and data rates may apply. Check your telephone plan and contact your carrier for details. You represent and warrant that you are authorized to incur such charges and acknowledge that MCA.AI is not responsible for such charges.

Unauthorized Use of Your Telephone Device. You must notify MCA.AI immediately of any breach of security or unauthorized use of your telephone device. Although MCA.AI will not be liable for losses caused by any unauthorized use of your telephone device, you may be liable for our losses due to such unauthorized use.

Your Indemnification to Us. You agree to indemnify MCA.AI for any privacy, tort or other claims, including claims under the Federal Telephone Consumer Protection Act or its state law equivalent, including claims relating to your voluntary provision of a telephone number that is not owned by you and/or your failure to notify us of any changes in your contact information, including telephone number. You agree to indemnify, defend and hold us harmless from and against any and all such claims, losses, liabilities, costs and expenses (including reasonable attorneys’ fees). We shall have the exclusive right to choose counsel, at your expense, to defend any such claims.

Release of Claims. In consideration of the services provided by MCA.AI, you hereby release MCA.AI from any and all claims, causes of action, lawsuits, injuries, damages, losses, liabilities or other harms resulting from or relating to telephone calls or text messages, including without limitation any claims, causes of action, or lawsuits based on any alleged violations of the law (including, without limitation, the Telephone Consumer Protection Act, Truth in Caller ID Act, Telemarketing Sales Rule, Fair Debt Collection Practices Act, or any similar state and local acts or statutes, and any federal or state tort or consumer protection laws).

General. You are responsible for obtaining and maintaining all telephone devices and other equipment and software, and all internet service providers, mobile service, and other services needed to receive calls and text messages. Text messaging may only be available with select carriers with compatible handsets. Your obligations under this Section will survive termination of these Terms of Service.

Text message Terms and Conditions:By “Opting In” to or using a MCA.AI Text Message Service (“SMS Service”), you accept these Terms and Conditions and agree to resolve disputes with MCA.AI through binding arbitration (and with very limited exceptions, not in court), and you waive any right to participate in class actions, all as detailed in Section 10 entitled “Dispute Resolution by Binding Arbitration; Class Action Waivers” section MCA.AI’s Terms of Use.

By opting In to MCA.AI’s Text Message Service, you authorize and agree to allow MCA.AI to use an autodialer or non-autodialer technology to send text message to the cell phone number associated with your Opt-In (i.e., the number listed on the Opt-In form or instructions, or, if none, the number form which you send the Opt-In, or, if none, the number on file for the account associated with your Opt-In). You authorize MCA.AI to include marketing content in any such messages. You do not have to Opt-In or agree to Opt-In as a condition of purchase or service.

You confirm that you are the subscriber to the relevant phone number or that you are the customary user of that number on a family or business plan and that you are authorized to Opt-In.

After Opting-In, in addition to the main messages the service offers, you may receive one or more welcome messages or administrative messages, such as (in some cases) a request to confirm your Opt-In. You can cancel the SMS service at any time. Just text “STOP” to the short code. After you send the SMS message “STOP” to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at support@mca.ai or 855-853-6346.

Carriers are not liable for delayed or undelivered messages.

As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive up to 15 messages/month. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

If you have any questions regarding privacy, please read our privacy policy: https://mca.ai/agreements/privacy-policy/

12. General Provisions

Controlling Law and Jurisdiction. You agree that Utah law (without giving effect to its conflicts of law principles) will govern these Terms, the Site and the Services and that any dispute arising out of or relating to these Terms, the Site or the Services will be subject to the exclusive jurisdiction and venue of the federal and state courts in Salt Lake County, Utah. You acknowledge and agree that any violation of these Terms may cause MCA.AI irreparable harm, and therefore agree that MCA.AI will be entitled to seek extraordinary relief in court, including but not limited to temporary restraining orders, preliminary injunctions and permanent injunctions without the necessity of posting a bond or other security, in addition to and without prejudice to any other rights or remedies that MCA.AI may have for a breach of these Terms. These Terms, which you accept upon registration for the Services, the Privacy Policy located on the Site, and any applicable payment, renewal, additional services terms, comprise the entire agreement between you and MCA.AI regarding the use of this Service, superseding any prior agreements between you and MCA.AI related to your use of this Site or Services (including, but not limited to, any prior versions of this Terms). The FAQ’s found on the Services are for informational purposes only and are not deemed to be part of this Terms. Unless otherwise explicitly stated, the Terms will survive termination of your registration to the Service. The failure of MCA.AI to exercise or enforce any right or provision of these Terms does not constitute a waiver of such right or provision. If any provision of these Terms is held invalid, the remainder of the Terms will continue in full force and effect. Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to the use of the Site or the Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred. The section titles in the Terms are for convenience only and have no legal or contractual effect.

13. Content

All text, graphics, user interfaces, visual interfaces, photographs, trademarks (whether registered or not), logos, sounds, artwork of any kind, and computer code (collectively, “Content”), including but not limited to the design, structure, coordination, selection, appearance, and arrangement of the Content, contained on the Site is owned by MCA.AI and is protected by trade dress, copyright, trademark, and other property laws and unfair competition laws. Any misuse of the Content will be at your peril and MCA.AI will do all that is lawful to enforce and protect the Content.

14. Confidentiality

We will take every reasonable precaution to protect your account and account information, however, we cannot guarantee the security of any information you disclose. This includes your sharing of account information with any third party, including employees, contractors, vendors, suppliers, etc. of your business. You agree and acknowledge that the security of your data is your responsibility. Your use of the Services is further governed by our Privacy Policy.

15. Notification of Terms of Use Changes

We may update these Terms of Use to reflect changes to our business operations and the methods by which we work with you, including changing vendors, and other policies relevant to our Services. If we make any material changes we will notify you by email (sent to the email address specified in your account) or by means of a notice on this Site. We encourage you to periodically review this page for the latest information on our Terms of Use. When we make changes to these Terms of Use we will revise the revision date at the top of the Terms of Use.

16. Term and Termination

This agreement will become effective upon your acceptance of the Terms by your use of the Site or Services and will remain in effect in perpetuity unless terminated hereunder. MCA.AI may terminate your account at any time, for any reason or no reason, without explanation, effective upon written notice to the other party. MCA.AI reserves the right to immediately suspend or terminate your access to any of the Services, without notice, for any reason or no reason. We also reserve the right to refuse to remove your account information or data from our Services and any other records at any time to comply Plus with legal and regulatory requirements. In the event your access to any of the Services is suspended due to the breach of these Terms, you agree that all fees then paid to MCA.AI by you will be nonrefundable and all outstanding or pending payments will immediately be due. You may terminate your account by following the steps in the applicable section under “Cancellations.” Sections 10 and 11 shall survive any termination of this Agreement.