ClarityCommand Credit™

1. Who We Are

Nitty Gritty Powerwashing & Mobile Services, LLC d/b/a JoMar Business Solutions (referred to in this Policy as "we," "us," or "our") is a Texas business operated by Leslie Green-Wallace from offices at 3000 S Hulen Street, Suite 124-964, Fort Worth, TX 76109. We provide ClarityCommand Credit™, an educational software platform that helps consumers learn about credit, debt, consumer rights, and financial planning.

This Privacy Policy applies to your use of the ClarityCommand Credit™ platform, our websites, our emails, and any related services we provide. It does not apply to third-party websites we link to.

2. What This Product Is and Is Not

ClarityCommand Credit™ is educational software. We help you understand your credit, prepare your own dispute letters, and learn financial strategies. We do not contact credit bureaus, creditors, debt collectors, or any other party on your behalf. Every letter you generate using our platform is reviewed and personally mailed by you.

We are not a credit repair organization as defined in 15 U.S.C. § 1679a(3). We are not a credit counselor. We are not a debt settlement company. We are not a law firm and no attorney-client relationship is created by your use of our platform. For legal questions, consult a licensed attorney in your state. For tax questions, consult a CPA or enrolled agent. For investment questions, consult a licensed financial advisor.

3. Information We Collect

3.1 Information You Give Us Directly

• Identity information: your full name, email address, password (stored encrypted), date of birth where requested, and mailing address.
• Contact and partner information: a partner's name and email address if you enroll in a Couples plan.
• Financial information: account balances, debt amounts, monthly income, credit card balances, and similar figures you enter into our planning tools. We do not store full credit card numbers, bank account numbers, or routing numbers. We do not connect to your bank.
• Credit report content: if you choose to upload a credit report PDF for analysis, the contents of that report (including any social security number printed on it). See Section 6 for how we handle this.
• Communications: questions you ask the AI coach, messages you send to us, dispute letters you draft, and similar content.
• Payment information: your name and billing email. Stripe processes your payment card information directly; we do not see or store your card number.

3.2 Information Collected Automatically

• Account activity: which features you use, when you log in, what you save, and similar engagement data.
• Device and connection information: IP address, browser type, operating system, screen size, and approximate location based on IP (city/region only, not precise GPS).
• Cookies and similar technologies: small data files that let us keep you signed in, remember your preferences, and improve the product.
• Error logs: technical information sent to Sentry when something breaks. This may include your user ID and the page you were on, but is automatically scrubbed of sensitive content.

3.3 Information We Do Not Collect

• We do not pull your credit report or connect to Experian, Equifax, TransUnion, or any other credit bureau.
• We do not connect to your bank. We do not use Plaid or any similar bank-aggregation service.
• We do not track you across other websites or services.
• We do not sell your data. Ever. To anyone.

4. How We Use Your Information

1. To provide the platform: authenticate your account, save your work, deliver the educational content and tools you signed up for.
2. To deliver legally-required notices: federal law requires us to send you a Consumer Credit File Rights disclosure and a Three-Day Right to Cancel notice.
3. To send you the legal documents you accepted at signup by email, so you have copies.
4. To improve the platform: understand which features are useful, identify bugs, and make the product better using aggregated data.
5. To respond to your questions and provide customer support.
6. To process payments through Stripe and (when applicable) issue refunds.
7. To enforce our Terms of Service and protect against fraud, abuse, and security threats.
8. To comply with legal obligations.

We will never use your information to make automated decisions that have a legal or similarly significant effect on you.

5. Who We Share Your Information With

5.1 Infrastructure and Authentication

• Google Firebase (Authentication, Firestore database, Cloud Storage): stores your account data, your saved work, and authenticates your logins.
• Netlify: hosts the application and runs our serverless functions.

5.2 Payment Processing

• Stripe: processes your subscription payments. Stripe receives your name, email, and payment method details directly through its checkout. We never see your card number. Stripe is PCI DSS Level 1 certified.

5.3 Email Delivery

• Resend: delivers transactional emails to you, including welcome emails, the federally-required CROA disclosures, and account notifications.

5.4 Artificial Intelligence

• Anthropic (Claude AI): powers the Leslie AI™ coaching feature and the credit-report analyzer. When you ask the AI a question, your question is sent to Anthropic for processing. When you upload a credit report for analysis, the contents of that PDF are sent to Anthropic for analysis. Anthropic does not use this data to train its models when accessed through our API integration.

5.5 Error Monitoring

• Sentry: receives error reports when the platform breaks, configured to scrub sensitive content from error reports.

5.6 Legal Disclosures

We will disclose your information when required by law: in response to subpoenas, court orders, valid government requests, or when necessary to protect our rights or safety. We will notify you unless legally prohibited from doing so.

5.7 Business Transfers

If we ever sell or transfer our business, your information may be transferred to the new owner. We will notify you in advance and your rights under this Privacy Policy will continue to apply.

5.8 What We Never Do

We never sell your information to third parties. We never share your information with advertisers or data brokers. We never use your information for marketing purposes other than communicating with you about your account.

6. Credit Report Uploads — Special Protections

The credit-report analyzer feature lets you upload a credit report PDF and receive an educational analysis. We treat these uploads with extra care:

1. We never permanently store the original PDF. Once the analysis is complete, the PDF is deleted from our servers.
2. The AI analysis itself (a structured summary of accounts, balances, and recommendations) is saved to your account. The analysis output may include account details but does not include your social security number.
3. Before each upload, you will be reminded that the PDF will be sent to Anthropic for analysis. You can decline at any time.
4. You may delete the analysis output at any time from your account settings. Deletion removes it from our account immediately and from our backups within 30 days.

7. Children's Privacy

ClarityCommand Credit™ is intended for adults, including students who are at least 18 years old. We do not knowingly collect personal information from children under 13. If we learn that we have collected information from a child under 13, we will delete it promptly.

8. Your Rights and Choices

• Right to access: you can request a copy of the personal information we hold about you.
• Right to correct: you can correct inaccurate information about yourself.
• Right to delete: you can request deletion of your account and the personal information we hold about you.
• Right to portability: you can request your data in a machine-readable format.
• Right to restrict processing: you can ask us to limit how we use your information.
• Right to opt out of certain types of processing.
• Right to lodge a complaint with a regulator if you believe your rights have been violated.

To exercise any of these rights, email us at leslie@jomarbusinesssolutions.com. We will respond within 30 days at no charge for the first request in any 12-month period.

9.1 California Residents

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA). You may request what categories of personal information we have collected, the sources, the purposes, and the specific pieces of personal information we hold. You may also request deletion. We do not sell or share personal information for cross-context behavioral advertising.

9.2 Texas Residents

Texas does not have a comprehensive consumer privacy law as of the effective date of this Policy, but Texas does provide rights under specific federal laws (including the Fair Credit Reporting Act for credit-report disputes) and Texas consumer protection laws. The Texas Attorney General accepts complaints regarding consumer privacy at texasattorneygeneral.gov.

9. How Long We Keep Your Information

• Account information: kept while your account is active. Deleted within 30 days after account deletion, except for records we are legally required to keep.
• Saved work and platform content: kept while your account is active. Deleted with your account.
• Payment records: kept for 7 years for tax and accounting purposes.
• Legal-document acceptance records: kept indefinitely (required by federal CROA recordkeeping rules).
• Communications with customer support: kept for 3 years.
• Backups: data persists in encrypted backups for up to 30 days after deletion, then is purged.

10. Cookies and Similar Technologies

• Strictly necessary cookies: keep you logged in, remember your preferences, and protect against security threats. These cannot be disabled.
• Analytics cookies: help us understand which features are used. First-party only — we do not use Google Analytics. You can disable these in your browser settings.
• We do not use advertising cookies, retargeting pixels, or social-media tracking pixels.

11. How We Protect Your Information

• Encryption in transit: all data is encrypted using TLS 1.2 or higher.
• Encryption at rest: account data stored in Firebase is encrypted at rest by Google's infrastructure.
• Password security: passwords are hashed and never stored in plain text.
• Multi-factor authentication: available and recommended for all accounts.
• Access controls: only authorized personnel can access account data, and only when needed. All access is logged.

If a data breach affects your information, we will notify you within 72 hours of discovery, as required by applicable laws.

12. International Data Transfers

We are a U.S. business and our infrastructure is hosted in the United States. If you access the platform from outside the United States, your information will be transferred to and processed in the U.S. By using the platform, you consent to this transfer. We do not currently offer the platform to residents of the EU, UK, or other regions with stricter data-protection requirements.

13. Changes to This Privacy Policy

When we update this Privacy Policy, we will increment the version number, update the effective date, email all active account holders at least 14 days before the change takes effect, and post the previous version on our platform. For material changes, we will require active acceptance before continuing to use the platform.

14. How to Contact Us

For complaints we cannot resolve, you may also contact the Texas Attorney General Consumer Protection Division at texasattorneygeneral.gov, the Federal Trade Commission at reportfraud.ftc.gov, or the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.

Your acceptance of this Privacy Policy is recorded electronically when you check the Privacy Policy box at signup. The record includes your name, email address, the version of the Policy you accepted, and the date and time of acceptance.

1. Agreement Between You and Us

These Terms of Service ("Terms") form a binding legal agreement between you ("you" or "User") and Nitty Gritty Powerwashing & Mobile Services, LLC d/b/a JoMar Business Solutions ("we," "us," "our," or "Company"). By creating an account, paying for a subscription, or using the ClarityCommand Credit™ platform (the "Platform"), you agree to these Terms.

These Terms work together with three other documents that form the complete agreement between you and us:

• Privacy Policy v1.0 — how we handle your information
• Consumer Services Agreement v1.0 — the specific terms of the educational service we provide
• Consumer Data Rights Addendum v1.0 — your rights regarding personal information under specific consumer-protection laws

If there is any conflict between these Terms and any other document, the Consumer Services Agreement controls for service-specific terms, the Privacy Policy controls for privacy-specific terms, the Consumer Data Rights Addendum controls for legally-required consumer rights, and these Terms control for everything else.

2. What ClarityCommand Credit™ Is

ClarityCommand Credit™ is educational software. It includes:

• Educational content covering credit reports, credit scores, debt, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Credit Repair Organizations Act, business credit, student-loan rights, and related topics.
• Self-service tools you use to draft your own letters, track your own scores, plan your own debt strategy, and analyze your own credit reports.
• A library of dispute letter templates and other consumer-protection letter templates that you customize, sign, and send yourself.
• "Leslie AI™" educational coaching, an artificial-intelligence chatbot that discusses credit topics in a coaching style. The AI provides educational guidance, not professional advice.
• Tier-specific educational tools available depending on your plan (Student, Restoration, Life, or Expansion).

2.1 What ClarityCommand Credit™ Is Not

1. We are not a credit repair organization as defined in 15 U.S.C. § 1679a(3). We do not, and will not, contact credit bureaus, creditors, debt collectors, or any other party on your behalf.
2. We are not a law firm. We do not provide legal advice. No attorney-client relationship is created by your use of the Platform.
3. We are not a financial advisor, financial planner, or registered investment advisor.
4. We are not a credit counselor, credit counseling agency, or debt management plan provider.
5. We are not a debt settlement company.
6. We are not a credit reporting agency, consumer reporting agency, or furnisher of credit information.

3. Your Account

3.1 Eligibility

To create an account, you must be at least 18 years old, legally capable of entering a binding contract, and not barred from receiving the Platform under U.S. law or the laws of your state.

3.2 Account Security

You are responsible for keeping your account credentials confidential and for all activity that occurs under your account. If you discover unauthorized use of your account, contact us immediately at leslie@jomarbusinesssolutions.com. We strongly recommend enabling multi-factor authentication.

3.3 One Account Per Person

Each individual user must have their own account. You may not share your account credentials with anyone, including a spouse or family member. If multiple adults in a household want to use the Platform, each must enroll separately.

3.4 Inaccurate or False Information

Providing false identifying information at signup violates these Terms and may also violate state and federal laws. We may suspend or terminate accounts found to contain materially false information.

4. Subscriptions, Fees, and Refunds

4.1 Subscription Plans

We offer the Platform on a subscription basis. As of the effective date of these Terms, the available plans are Student ($29/month), Restoration ($59/month), Life ($99/month), and Expansion ($149/month). Plan features, current pricing, and billing intervals are shown at signup. Sales tax may apply. We may change plans, pricing, or features with at least 30 days' email notice for any change that materially affects your existing plan.

4.2 Payment

Subscriptions are billed in advance through Stripe. By providing payment information, you authorize us to charge the amounts due on a recurring basis until you cancel.

4.3 Three-Business-Day Right to Cancel for Full Refund

To cancel within the three-business-day window, use the "Cancel Within 3-Day Period (Full Refund)" button on your account settings page, or email us at leslie@jomarbusinesssolutions.com before the deadline with your name, account email, and a clear statement that you are canceling. Refunds are processed through Stripe, normally within 5–10 business days.

4.4 Cancellation After the Three-Day Window

• Cancellation takes effect at the end of the current billing period. You retain access until the end of the paid period.
• We do not pro-rate or refund partial months unless required by law.
• Refunds beyond the three-business-day window are not available, except where required by law or in our sole discretion for exceptional circumstances.

4.5 Failed Payments

If a recurring payment fails, we will attempt to charge again over the following 7 days. If payment is not received within 7 days, we will suspend your access. After 30 days of non-payment, we may terminate your account.

4.6 Chargebacks

If you believe a charge is incorrect, contact us first at leslie@jomarbusinesssolutions.com. Filing a chargeback with your card issuer without first contacting us, where the chargeback is later determined to be unwarranted, is a breach of these Terms and may result in account termination.

4.7 Plan Upgrades and Downgrades

You may upgrade to a higher-tier plan at any time. The upgrade takes effect immediately and you are charged a prorated amount for the remainder of the current billing period. Downgrades take effect at the end of your current billing period and remove access to features included only in higher tiers.

5. Acceptable Use

You agree to use the Platform only for its intended educational purposes and only in compliance with applicable law. You will not:

• Use the Platform to harass, threaten, defame, or defraud any person or entity, including credit bureaus, creditors, debt collectors, or government agencies.
• Use the Platform to draft or send letters that contain false statements, fabricated identification, or false claims of identity theft.
• Use the Platform on behalf of another person without that person's informed consent and your legal authority to do so.
• Engage in money laundering, tax evasion, or any other illegal activity.
• Resell, repackage, or commercially exploit the Platform or its content.
• Reverse engineer, decompile, or attempt to extract the source code of the Platform.
• Scrape, crawl, or use automated tools to extract content from the Platform.
• Attempt to circumvent security, access controls, or rate limits.
• Upload viruses, malware, or any other harmful code.
• Impersonate any person or misrepresent your affiliation with any entity.

5.1 Letters You Generate Are Your Responsibility

The Platform helps you draft dispute letters, debt-validation requests, and other consumer-protection letters. Every letter is reviewed, customized, signed, and mailed by you. The Platform does not send letters on your behalf. You are solely responsible for:

1. Reviewing each letter for accuracy before signing or mailing.
2. Verifying that the legal claims and citations in the letter apply to your specific situation.
3. Sending the letter through appropriate channels (typically certified mail with return receipt).
4. Following up on responses and managing the resulting correspondence.
5. The accuracy of all factual statements in the letter.

6. AI Coaching and Educational Content

6.1 The Leslie AI™ Is Educational, Not Advisory

The Leslie AI™ coaching feature uses Anthropic's Claude artificial intelligence to discuss credit topics in a coaching style. It provides educational guidance based on general principles of consumer credit and personal finance. It does not:

• Provide legal advice. Federal and state laws vary; you must verify any legal claim against current law in your jurisdiction.
• Provide individualized financial advice. Your specific financial situation requires personal review by a licensed professional.
• Provide medical, mental-health, or other professional advice outside its educational scope.
• Predict future credit scores, loan-approval decisions, or financial outcomes.

6.2 Accuracy of AI Responses

AI responses may be incomplete, outdated, or wrong. You are responsible for verifying any AI guidance before acting on it. If you notice an inaccurate or harmful AI response, please report it to leslie@jomarbusinesssolutions.com.

6.3 Educational Content Authorship

Our written educational content is authored by Leslie Green-Wallace and reflects published consumer-finance education materials and her professional experience. It is not legal advice and is not a substitute for personalized professional consultation.

7. Intellectual Property

7.1 Our Property

All content on the Platform — including written educational content, video, audio, dispute letter templates, AI coaching system prompts, design, code, trademarks, logos, brand elements, and the ClarityCommand and JoMar Business Solutions names — is owned by us or our licensors and is protected by U.S. copyright, trademark, and other intellectual property laws.

7.2 Your Content

You retain ownership of any content you create on the Platform — your saved letters, your tracked scores, your notes, your responses to AI prompts. We do not claim ownership of your content. We do not use your content to train AI models. We do not share your content with third parties except as described in our Privacy Policy.

7.3 Feedback

If you submit ideas, suggestions, or feedback about the Platform, you grant us the right to use that feedback without compensation or attribution.

8. Disclaimers and Limitations

8.1 No Guarantees About Credit Outcomes

We make no guarantee or representation about your credit score, credit report, ability to qualify for loans or credit, or any other financial outcome. Credit decisions are made by lenders based on factors that include but go beyond what is on your credit report. Even successful disputes do not guarantee score improvements. Anyone who guarantees specific credit results is making a representation prohibited by federal law.

8.2 No Outcomes from Disputes

Credit bureaus and creditors may or may not respond to disputes. They may decline to make changes. They may verify the disputed information. They may take longer than the federally-mandated 30-day investigation window. The Platform cannot guarantee any specific response, removal, or correction.

8.3 Educational Service, "As Is"

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT, EXCEPT THOSE THAT CANNOT BE DISCLAIMED UNDER TEXAS LAW.

8.4 Limitation of Liability

To the fullest extent permitted by Texas law:

1. Our total liability to you for any claim arising out of or relating to these Terms or your use of the Platform is limited to the greater of (a) the amount you paid us in the twelve months preceding the claim, or (b) one hundred dollars ($100).
2. We will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages of any kind, including lost profits, lost data, or business interruption.
3. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the limitations above may not apply to you.

8.5 Indemnification

You agree to indemnify, defend, and hold harmless JoMar Business Solutions, Leslie Green-Wallace, and our officers, employees, agents, and contractors from any claim arising out of: (a) your use of the Platform, (b) your violation of these Terms or any law, (c) your violation of any third party's rights, (d) any content you submit to the Platform, or (e) any letter you draft using the Platform that contains false or fraudulent statements.

9. Termination

9.1 You May Terminate

You may terminate your account at any time by canceling from the Settings area of the Platform or by emailing leslie@jomarbusinesssolutions.com. Termination takes effect at the end of your current billing period.

9.2 We May Terminate

We may suspend or terminate your account immediately, with or without notice, if:

• You violate these Terms or any other agreement with us
• We have a reasonable basis to believe your use of the Platform is fraudulent, illegal, or harmful to others
• You fail to pay amounts due
• We are required to do so by law or court order
• We discontinue the Platform in whole or in part

10. Dispute Resolution

10.1 Informal Resolution First

Before filing any formal claim, you agree to first try to resolve the dispute informally by contacting us at leslie@jomarbusinesssolutions.com. We will attempt to resolve the dispute in good faith within 30 days.

10.2 Governing Law

These Terms and any dispute arising out of or relating to them or to your use of the Platform are governed by the laws of the State of Texas, without regard to conflict-of-laws principles. Federal laws — including the Credit Repair Organizations Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act — also apply where they govern the conduct addressed in these Terms.

10.3 Venue

Any lawsuit arising out of or relating to these Terms must be filed in the state or federal courts located in Tarrant County, Texas. You and we both consent to the personal jurisdiction of those courts.

10.4 No Class Actions

To the extent permitted by law, you and we both agree that any claim must be brought individually and not as part of a class action, consolidated action, or representative proceeding. This limitation does not apply where prohibited by law.

10.5 Statute of Limitations

Any claim arising out of or relating to these Terms must be filed within one year after the claim arose, except for claims governed by federal consumer-protection statutes that have their own longer statutory periods, in which case the federal statutory period applies.

11. General Provisions

11.1 Changes to These Terms

We may update these Terms from time to time. When we make changes, we will increment the version number, update the effective date, and email all active account holders at least 14 days before the change takes effect. For material changes, we will require active acceptance before continuing to use the Platform.

11.2 Entire Agreement

These Terms, together with the Privacy Policy, the Consumer Services Agreement, and the Consumer Data Rights Addendum, constitute the entire agreement between you and us regarding the Platform.

11.3 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

11.4 No Waiver

Our failure to enforce any provision of these Terms is not a waiver of our right to enforce that provision later.

11.5 Assignment

You may not assign these Terms or any of your rights or obligations under them without our prior written consent. We may assign these Terms at any time, including to a successor entity in connection with a merger, acquisition, or sale of assets.

11.6 Force Majeure

We are not liable for any delay or failure to perform caused by events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, government action, labor disputes, internet outages, third-party service failures, or pandemics.

11.7 Notices to You

We may give you notice by email to the address associated with your account, by in-app notification, or by posting on the Platform. You are responsible for keeping your email address current.

11.8 Notices to Us

Any legal notice to us must be sent by email to leslie@jomarbusinesssolutions.com AND by certified mail to:

12. How to Contact Us

Your acceptance of these Terms is recorded electronically when you check the Terms of Service box at signup. The record includes your name, email address, the version of the Terms you accepted, and the date and time of acceptance. You may request a copy of your acceptance record at any time.

1. Recitals

This Consumer Services Agreement ("Agreement") is entered into between JoMar Business Solutions ("Company") and you ("Subscriber"). The Company provides ClarityCommand Credit™, a subscription-based platform offering educational software, self-paced lessons, self-service letter templates, AI-driven educational coaching (including Leslie AI™), credit-report analysis tools, and related features intended to help Subscriber learn about credit, consumer-protection rights, debt, and personal finance.

2. What We Are NOT

The Company is not a law firm, financial advisor, credit counselor, debt-settlement company, credit-repair organization (as defined in 15 U.S.C. § 1679a(3)), credit reporting agency, accountant, tax preparer, therapist, or licensed professional in any regulated field. No attorney-client, fiduciary, advisory, or other professional-client relationship is formed by Subscriber's use of the Platform. Educational content and AI guidance are not legal, financial, tax, medical, or other professional advice.

3. What We Will NOT Do

The Company will not, under this Agreement or any extension:

• Contact any credit bureau, creditor, or debt collector on Subscriber's behalf
• File disputes on Subscriber's behalf
• Negotiate with creditors, collectors, or bureaus on Subscriber's behalf
• Provide legal advice or legal representation
• Provide individualized financial, investment, or tax advice
• Guarantee any specific credit score, credit-report change, loan approval, or financial outcome
• Make any representation prohibited by 15 U.S.C. § 1679b(a)

4. Subscriber's Obligations

Subscriber agrees to:

• Provide accurate information and update the Company promptly if any information becomes inaccurate
• Use the Platform only for personal educational use, not on behalf of any other person or entity
• Use templates and AI outputs only in compliance with applicable law
• Review every letter generated using Platform templates for factual accuracy, legal accuracy, and applicability to Subscriber's specific situation before signing or mailing it
• Not use Platform letter templates to dispute information Subscriber knows or has reason to believe is accurate, complete, and verifiable
• Not make false claims of identity theft or fraud
• Bear sole responsibility for the contents of any letter Subscriber sends
• Not upload documents containing third-party personal information without authorization

5. Federal Rights Disclosure

Under the Credit Repair Organizations Act (15 U.S.C. §§ 1679–1679j), Subscriber has the right to dispute inaccurate information directly with credit bureaus at no charge; the right to obtain a free credit report annually from each major bureau at AnnualCreditReport.com; the right to sue any credit-repair organization that violates the Act; and the right to cancel certain contracts within three (3) business days. These rights exist whether or not Subscriber uses the Platform.

6. Three-Day Right to Cancel

7. No Fiduciary or Professional Relationship

Use of the Platform does not create an attorney-client, fiduciary, advisory, accounting, tax-preparer, therapist-client, physician-patient, agency, brokerage, partnership, joint venture, or any other professional-client relationship. The Platform supplements but does not replace qualified licensed professionals. Use of AI features, including Leslie AI™, does not substitute for review by an attorney, CPA, financial advisor, therapist, physician, or other licensed professional qualified to advise on Subscriber's situation.

8. Subscription Terms

ClarityCommand Credit™ is offered as a monthly subscription that auto-renews each month unless Subscriber cancels prior to the next renewal date. Subscriber may cancel at any time through account settings; cancellation takes effect at the end of the current billing period. All fees are billed in advance via Stripe.

Except where required by the Three-Day Right to Cancel (Section 6) or applicable law, all subscription fees are non-refundable. No prorated refunds are issued for partial billing periods. Free trial or promotional periods convert automatically to a paid subscription at the end of the trial unless Subscriber cancels before conversion.

9. Credit Report Upload — Special Terms

The optional credit-report analysis feature transmits uploaded PDF contents — which may include Subscriber's Social Security Number — to Anthropic, PBC for AI processing under Anthropic's zero-data-retention commercial API terms. The original PDF is deleted from Company servers immediately after analysis. Subscriber may decline to use this feature at any time. See the Consumer Data Rights Addendum for full details.

10. Dispute Resolution — Arbitration Required

This Agreement incorporates the dispute-resolution provisions of the Terms of Service. By accepting this Agreement, Subscriber agrees to those provisions, which require most disputes to be resolved through individual binding arbitration and waive the right to participate in class actions, subject to the carve-outs and the 30-day opt-out right described in the Terms of Service. The Federal Arbitration Act governs the arbitration agreement. Texas law governs all other aspects of this Agreement.

11. Electronic Signatures and Consent

This Agreement is entered into electronically. By clicking an "I accept" checkbox, electronically submitting a signup form, or otherwise affirmatively indicating acceptance, Subscriber provides an electronic signature with the same legal effect as a handwritten signature under the Electronic Signatures in Global and National Commerce Act (15 U.S.C. § 7001 et seq.) and the Uniform Electronic Transactions Act as adopted in Texas (Tex. Bus. & Com. Code Ch. 322).

12. Force Majeure

Neither party is liable for any delay or failure to perform under this Agreement caused by events beyond the party's reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, government action, labor disputes, pandemics, internet or telecommunications outages, cloud-infrastructure or hosting-provider failures, payment-processor outages, third-party AI provider outages, or other vendor failures.

13. Acknowledgment

By accepting this Agreement, Subscriber acknowledges that Subscriber has read it, understood it, and agrees to be bound by its terms. Subscriber acknowledges in particular that the Platform is educational software; that Subscriber bears sole responsibility for verifying any letter, template, or AI output before acting on it; and that Subscriber has read and agrees to the dispute-resolution provisions of the Terms of Service incorporated by reference in Section 10.

Document status: Pending licensed-attorney review prior to deployment with paying customers. This document is part of the v1.0 legal document set for ClarityCommand Credit™, effective May 7, 2026.

This Addendum describes specific rights you have regarding your personal information under U.S. federal and state consumer-protection laws. It supplements the Privacy Policy. To the extent of any conflict between this Addendum and the Privacy Policy, the document that provides you with greater rights controls.

1. About This Addendum

This Consumer Data Rights Addendum explains the specific rights you have over the personal information JoMar Business Solutions holds about you. This Addendum addresses: California Consumer Privacy Act and CPRA rights; other state consumer privacy laws; Fair Credit Reporting Act rights; Gramm-Leach-Bliley Act and the Safeguards Rule; artificial intelligence and automated processing; subprocessors; and how to exercise your rights.

2. California Residents — CCPA and CPRA Rights

2.1 Categories of personal information we collect

• Identifiers — name, email address, postal address, account ID, IP address
• Personal information under Cal. Civil Code § 1798.80(e) — name, address, financial information you manually enter into planning tools
• Commercial information — subscription plan, transaction records, billing history
• Internet or other electronic network activity — pages visited within the Platform, features used, AI prompts entered, browser type, device type
• Geolocation data — approximate location based on IP address (city/region only, not precise GPS)
• Sensitive personal information — if you upload a credit report PDF for analysis, that PDF may contain your social security number; we delete the original PDF after analysis

We do not collect biometric information, audio or visual information, professional or employment-related information beyond what you voluntarily enter, education information, or inferences drawn from any of the above for advertising or profiling purposes.

2.2 Your CCPA / CPRA rights

1. Right to know — request disclosure of what personal information we have collected about you, the categories of sources, the purposes, and the specific pieces we hold.
2. Right to delete — request deletion of personal information we have collected from you, subject to legal exceptions.
3. Right to correct — request correction of inaccurate personal information.
4. Right to portability — receive your personal information in a structured, commonly-used, machine-readable format.
5. Right to limit use of sensitive personal information — direct us to limit our use to what is necessary to provide the Platform.
6. Right to non-discrimination — exercise these rights without denial of service, different pricing, or different quality.
7. Right to authorize an agent — designate someone to exercise these rights on your behalf with appropriate verification.

We do not sell your personal information to anyone, ever. We do not share your personal information for cross-context behavioral advertising.

3. Other State Residents

Residents of Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), Texas (TDPSA), Oregon (OCPA), Montana (MCDPA), and other states with consumer privacy laws may exercise access, correct, delete, port, and opt-out rights under their state's law by contacting us as described in Section 8. We will respond within 30–45 days as required by your state's law. We treat similar rights similarly across states.

3.1 Texas Residents — TDPSA

Texas residents have rights under the Texas Data Privacy and Security Act to access, correct, delete, and port personal information, and to opt out of targeted advertising, sales, and certain profiling. We do not engage in targeted advertising, do not sell personal information, and do not use personal information for profiling that produces legal or similarly significant effects on you.

4. Fair Credit Reporting Act Rights

Although we are not a consumer reporting agency or furnisher of credit information, your FCRA rights are central to our educational content. You have the right to:

• Obtain a free credit report annually from Equifax, Experian, and TransUnion at AnnualCreditReport.com or by calling 1-877-322-8228
• Dispute inaccurate, incomplete, or unverifiable information directly with credit bureaus under FCRA § 611 (15 U.S.C. § 1681i)
• Dispute information directly with the furnisher under FCRA § 623 (15 U.S.C. § 1681s-2)
• Sue for FCRA violations and obtain actual damages, statutory damages up to $1,000 per willful violation, and attorneys' fees
• Place a fraud alert or security freeze at no charge

We do not pull your credit report, furnish information to credit bureaus, or access your credit file in any way. These rights are exercised directly with credit bureaus and creditors, not through us.

5. Gramm-Leach-Bliley Act and the Safeguards Rule

We voluntarily apply Safeguards Rule-style protections to your financial information. Our information security program includes access controls, encryption (TLS 1.2+ in transit, Google Cloud encryption at rest), password hashing, multi-factor authentication, subprocessor diligence, and incident response procedures. We do not share your information with non-affiliated third parties for marketing purposes.

If we discover a data breach affecting your personal information, we will notify you within 72 hours of discovery.

6. Artificial Intelligence and Automated Processing

The Platform uses Anthropic's Claude models in two places: (1) Leslie AI™ educational coaching — your question is sent to Anthropic for processing; and (2) credit-report analyzer — uploaded PDF contents are sent to Anthropic for analysis, then the original PDF is deleted.

AI processing on the Platform is interactive and educational. The AI does not make decisions that have legal or similarly significant effects on you — it does not decide your access, set your pricing, determine your eligibility for any third-party product, submit letters on your behalf, or communicate with credit bureaus. Anthropic does not use this data to train its models when accessed through our API. You may decline to use AI features at any time and may request deletion of your AI conversation history.

7. Subprocessors

We use the following subprocessors, each bound by data protection obligations consistent with this Addendum:

Subprocessor	Purpose	Data
Google (Firebase)	Authentication, database, file storage	Account credentials, all saved Platform content, audit logs
Stripe	Payment processing	Name, email, payment method (no card numbers)
Resend	Transactional email delivery	Email addresses, email content, delivery metadata
Anthropic	AI processing for Leslie AI™ and credit-report analysis	AI prompts and uploaded content; not used for model training
Sentry	Error monitoring	Technical error reports; configured to scrub sensitive content
Netlify	Hosting and serverless functions	Standard web request data

If we add a new subprocessor that handles your personal information, we will update this Addendum and post the change at least 14 days before the new subprocessor begins handling your data.

8. How to Exercise Your Rights

Send a request by email to leslie@jomarbusinesssolutions.com with the subject "Privacy Rights Request," or by mail to JoMar Business Solutions, Attn: Privacy Rights, 3000 S Hulen Street, Suite 124-964, Fort Worth, TX 76109. Include your full name, the email address on your account, which right you are exercising, and your state of residence.

We will verify your identity before processing sensitive requests. We will respond within 45 days (California, CCPA/CPRA), 45 days (other states), or 30 days (all other requests). There is no fee for your first request in any 12-month period. If we deny your request, you may appeal in writing within 60 days. We will not discriminate against you for exercising these rights.

Your acceptance of this Addendum is recorded electronically when you check the Consumer Data Rights Addendum box at signup. Document version: 1.0 · Effective: May 7, 2026 · Status: Pending licensed-attorney review prior to deployment with paying customers.