Terms of Service Last updated: June 2025 Welcome to ba-internet-advisors.com (the “Site”). These Terms of Service (the “Terms”) form a legally binding agreement between you (“you” or the “User”) and BA Internet Advisors (“Company,” “we,” “us,” or “our”) governing your access to and use of the Site, our advisory services, and any related tools, content, or features (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms and all policies referenced herein. If you do not agree, do not use the Services. 1. Who We Are Legal entity name: BA Internet Advisors INCRegistered address: 19 Raintree Pl, 32164 Palm CoastContact: ba.internet.advisors@gmail.com If you are an EU/EEA consumer, the EU Online Dispute Resolution (ODR) platform is available at: https://ec.europa.eu/consumers/odr/ 2. Eligibility & Accounts You must be at least the age of majority in your jurisdiction and have the legal capacity to enter into these Terms. If you use the Services on behalf of an organization, you represent that you have authority to bind that organization and that “you” in these Terms includes the organization. Certain features may require an account. You agree to provide accurate, current, and complete information and to keep it updated. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account. We may refuse registration, suspend, or terminate accounts at our discretion where we believe these Terms or laws are violated. 3. The Services Advisory nature. Our Services provide general Internet, digital, and strategic advisory information and recommendations based on data and inputs available at the time. Unless expressly agreed in writing, our Services are informational and do not constitute legal, tax, accounting, investment, or other regulated professional advice. No guarantee of outcomes. Recommendations may involve assumptions, third‑party dependencies, and market conditions outside our control. We do not guarantee specific outcomes, performance, or returns. Third‑party services. We may recommend, refer to, or integrate with third‑party tools or platforms. Those services are governed by their own terms and policies; we are not responsible for third‑party acts, omissions, or availability. 4. User Obligations You agree that you will not, and will not enable others to: Use the Services in violation of applicable laws or regulations. Infringe or misappropriate any intellectual property or other rights. Upload, transmit, or distribute malware, harmful code, or spam. Engage in data scraping, crawling, or automated collection except as permitted by robots.txt or our written authorization. Attempt to gain unauthorized access to the Services or related systems. Interfere with or disrupt the integrity or performance of the Services. Provide false, misleading, or incomplete information. 5. Fees, Billing & Taxes (If Applicable) Pricing. Fees will be presented before you purchase or as set out in an applicable order form, statement of work, or proposal (each, an “Order”). Prices may change prospectively; we will notify you of any changes that affect your future obligations. Payment. Unless stated otherwise in an Order, fees are due upon invoice and are non‑refundable, except as required by law or expressly stated in the Order. Late payments. Past‑due amounts may accrue interest at the maximum rate permitted by law and may result in suspension of Services. Taxes. Fees are exclusive of taxes. You are responsible for all applicable taxes, duties, and government charges, excluding taxes based on our net income. 6. Cancellation, Rescheduling & Refunds Sessions. You may cancel or reschedule advisory sessions according to the policy stated in your Order or confirmation. If no policy is specified, cancellations made ≥24 hours before the session are refundable; cancellations made <24 hours may be charged in full. Subscriptions. For subscriptions, you may cancel at the end of the then‑current billing period unless otherwise stated. EU/EEA consumers. If statutory withdrawal rights apply (e.g., for distance contracts), you may withdraw within 14 days of purchase unless you requested immediate performance and acknowledged losing the right of withdrawal once the service is fully performed. 7. Intellectual Property We and our licensors retain all rights, title, and interest in and to the Site, the Services, documentation, templates, and all associated intellectual property. Client Materials. You retain ownership of materials you provide to us (“Client Materials”). You grant us a non‑exclusive license to use Client Materials solely as necessary to provide the Services. Deliverables. Unless otherwise agreed in an Order, upon payment in full we grant you a worldwide, non‑exclusive, non‑transferable license to use advisory deliverables for your internal business purposes. You may not resell or publicly distribute deliverables without our written consent. 8. Confidentiality Each party may disclose confidential information to the other. The receiving party will use such information only for the purpose of performing or receiving the Services and will protect it using reasonable care. Exceptions apply for information that is public, received from a third party without duty of confidentiality, independently developed, or required to be disclosed by law (with notice where legally permitted). 9. Data Protection & Privacy Our processing of personal data is governed by our Privacy Policy, incorporated by reference. Where we act as a processor on your behalf, a Data Processing Agreement (DPA) may be required. If applicable, the DPA forms part of these Terms upon execution. You represent that you have a lawful basis to share personal data with us and that you will not provide special‑category data unless expressly agreed in writing. 10. Disclaimers AS IS / AS AVAILABLE. The Services are provided “AS IS” and “AS AVAILABLE” without warranties of any kind, whether express, implied, statutory, or otherwise, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non‑infringement. No fiduciary duty. We do not owe you any fiduciary duties. All recommendations are informational and decisions remain solely yours. No guarantee of uninterrupted access. We do not warrant that the Services will be uninterrupted, timely, secure, or error‑free. 11. Limitation of Liability To the maximum extent permitted by law: No indirect damages. Neither party will be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or lost profits, revenues, or business, even if advised of the possibility of such damages. Cap. Each party’s aggregate liability arising out of or related to the Services will not exceed the total fees paid or payable by you to us for the six (6) months preceding the event giving rise to liability. Exclusions. The above limitations do not apply to liability for death or personal injury caused by negligence, fraud, willful misconduct, or breaches of confidentiality or intellectual property rights. 12. Indemnification You will defend, indemnify, and hold harmless the Company and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Services; (b) your breach of these Terms; (c) your violation of any law or third‑party rights; or (d) Client Materials. 13. Suspension & Termination We may suspend or terminate your access to the Services if we reasonably believe you have breached these Terms, pose a security risk, or if required by law. We will make reasonable efforts to notify you in advance where lawful and practicable. You may stop using the Services at any time. Termination will not relieve you of your obligation to pay any fees due and payable. Upon termination, your right to access or use the Services ceases immediately. Sections intended to survive (including 7–12, 15–18) will continue in effect. 14. Changes to the Services We may modify or discontinue features from time to time. Where changes materially reduce core functionality for paid users during a subscription term, we will provide notice and, if you object, you may terminate the affected Order and receive a prorated refund of prepaid, unused fees. 15. Changes to These Terms We may update these Terms from time to time. We will post the updated Terms with a new “Last updated” date and, for material changes, provide notice via the Service or by email. Changes take effect upon posting unless otherwise stated. Your continued use of the Services after changes become effective constitutes acceptance. 16. Communications By providing contact information, you consent to receive transactional and administrative communications. Where required by law, we will seek your consent for marketing communications. You may opt out of marketing at any time using the unsubscribe link or by contacting us. 17. Export & Sanctions Compliance You represent that you are not located in, under the control of, or a national or resident of any country or region subject to comprehensive sanctions, and that you are not a denied or restricted party under applicable export control or sanctions laws. You agree not to use or provide the Services in violation of such laws. 18. Governing Law & Dispute Resolution Governing law. These Terms are governed by the laws of the state of Florida, without regard to conflict‑of‑laws rules. Jurisdiction. The courts of Palm Coast will have exclusive jurisdiction over disputes, except that either party may seek injunctive relief in any court of competent jurisdiction. Consumers. If you are a consumer and mandatory consumer protection laws of your country of residence provide you with additional rights or a different forum, those rights are not limited by this Section. 19. Miscellaneous Entire agreement. These Terms, any Order, and referenced policies (e.g., Privacy Policy, DPA) form the entire agreement and supersede prior agreements relating to the Services. Assignment. You may not assign or transfer your rights or obligations without our prior written consent. We may assign to an affiliate or in connection with a merger, acquisition, or sale of assets. Severability. If any provision is held invalid or unenforceable, the remaining provisions will remain in full force and effect. No waiver. Failure to enforce a provision is not a waiver. Force majeure. Neither party is liable for delays or failures caused by events beyond reasonable control (e.g., natural disasters, internet outages, labor disputes, governmental actions). 20. Contact Questions about these Terms can be sent to:Email: ba.internet.advisors@gmail.comPostal: BA Internet Advisors INCPhone: 001 (352) 559-4451