1. Use of Services

• Eligibility: You must be at least 18 years old to use our Services. By using our Services, you represent that you are legally able to enter into this agreement.
• Account Creation: To access certain features of the Services, you may be required to create an account. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer or device. You agree to accept responsibility for all activities that occur under your account.
• Prohibited Activities: You agree not to use the Services for any illegal or unauthorized purposes, including but not limited to violating any intellectual property rights, distributing harmful or malicious content, or engaging in activities that disrupt the Services.

2. Intellectual Property

• Ownership: All content on the Site, including but not limited to text, graphics, logos, and software, is the property of Answer 24 and CrossRoads Marketing or their licensors and is protected by intellectual property laws.
• Limited License: You are granted a limited, non-exclusive, non-transferable license to access and use the Site for your personal or business use in accordance with these Terms. You may not reproduce, distribute, modify, or create derivative works of the content without our prior written permission.

3. Privacy

• Data Collection: We collect and use your personal information as described in our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to the collection and use of your information as outlined in the Privacy Policy.
• Data Security: We implement reasonable security measures to protect your information; however, we cannot guarantee absolute security. You acknowledge and agree that you are using the Services at your own risk.

4. Payments and Subscription

• Pricing: The pricing for our Services is described on the Site. We reserve the right to change our prices at any time. Any changes will be effective immediately for new users and for existing users at the start of their next billing cycle.
• Billing: By providing a payment method, you authorize us to charge your payment method for any fees associated with the Services. All fees are non-refundable unless otherwise stated.
• Cancellation: You may cancel your subscription at any time by following the instructions on the Site. Upon cancellation, you will continue to have access to the Services until the end of your current billing period.

5. Termination

• Termination by Us: We may terminate or suspend your account and access to the Services at our discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users or us.
• Termination by You: You may terminate your account at any time by discontinuing the use of the Services and following the cancellation process outlined in Section 4.
• Effect of Termination: Upon termination, all rights granted to you under these Terms will immediately cease, and you must promptly discontinue all use of the Services.

6. Disclaimers and Limitation of Liability

• No Warranties: The Services are provided "as is" and "as available" without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
• Limitation of Liability: In no event shall Answer 24, CrossRoads Marketing, or their affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from your access to or use of the Services.

7. Indemnification

• Your Responsibilities: You agree to indemnify, defend, and hold harmless Answer 24, CrossRoads Marketing, their affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney's fees, arising out of or in any way connected with your access to or use of the Services, your violation of these Terms, or your violation of any rights of another.

8. Governing Law

• Jurisdiction: These Terms are governed by and construed in accordance with the laws of the State of [Insert State], without regard to its conflict of law principles. Any disputes arising out of or relating to these Terms or the Services shall be resolved in the courts of [Insert State].

9. Changes to Terms

• Modifications: We reserve the right to modify these Terms at any time. Any changes will be effective immediately upon posting on the Site. Your continued use of the Services after the posting of revised Terms signifies your acceptance of the changes.