Terms of Service

Section 1: Intellectual Property Ownership & License Grant

1.1 Ownership Overview

This Agreement separates intellectual property into two categories. Client Property belongs to Client and is defined in Section 1.3. LocalCred Propertybelongs to North of Ash Limited d/b/a LocalCred.co (“LocalCred”). What Client purchases is a managed website or scoped operational service, not ownership of LocalCred's software, platform, or infrastructure, unless an approved written order expressly transfers identified rights or files.

LocalCred claims only rights it owns or is authorized to use; third-party and open-source rights and licenses remain unaffected.

LocalCred Property includes, but is not limited to:

• Nonpublic source files, repositories, and build tools
• Page layouts, templates, and reusable UI components
• Design-system and framework elements
• LocalCred platform technology and internal tooling
• Hosting, infrastructure, and technical configurations
• Reusable graphics and design assets
• Technical methods and configurations
• Any derivative works built on LocalCred's proprietary frameworks or templates

Unless an approved written order, including a Scale order, expressly states otherwise, no work-for-hire relationship exists with respect to LocalCred Property and no ownership of LocalCred Property transfers to Client. Client Property is governed by Section 1.3. Browser-delivered HTML, CSS, JavaScript, and images may be received and cached in ordinary use of the live service; that delivery does not transfer the underlying repository or nonpublic source files.

1.2 License Grant

Subject to Client's continued payment of the applicable subscription fee, North of Ash Limited grants Client a limited, non-exclusive, non-transferable, revocable license to:

• Access and use the live website or agreed operational system managed by LocalCred
• Display the website or system to end users for Client's legitimate business purposes
• Provide content updates as permitted under Client's subscription tier

This license is personal to Client and may not be sublicensed, transferred, or assigned without the prior written consent of North of Ash Limited. A cancellation request does not end the license before the subscription's effective termination date; the license ends on that date, subject to any rights expressly granted in an approved written order.

1.3 Client Property

Client retains full ownership of the following (“Client Property”):

• Client's domain name
• Text, images, logos, trademarks, and other materials that Client provides to LocalCred
• Client's business content
• Client's customer, lead, and business data
• Once Client has paid all agreed fees attributable to producing that final custom copy, LocalCred assigns to Client any transferable rights LocalCred holds in it. Future subscription renewals are not a condition of that assignment.

AI-assisted material may not itself be copyrightable or exclusive. Third-party materials remain subject to their applicable rights and licenses. This qualification does not remove Client's right to receive and reuse its final custom copy in the Exit Kit, subject to applicable third-party rights, or transfer LocalCred's software or infrastructure.

Client grants North of Ash Limited a limited, non-exclusive license to use Client Property solely for the purpose of building, maintaining, and operating the agreed service during the subscription term, and to display it to end users as part of the website.

LocalCred makes no claim to Client Property and will not use it for any purpose beyond delivering the agreed services. After the managed service goes offline, Client may request their Client Property within 30 calendar days as described in Section 4.1.

1.4 No Implied License; Written-Order Exception

No rights are granted to Client beyond the express license in Section 1.2 and any rights expressly granted in an approved written order. Except as that order permits, Client may not:

• Copy or extract nonpublic source files or repositories
• Reverse-engineer, decompile, or attempt to recreate LocalCred's codebase
• Redeploy LocalCred's nonpublic source files or repositories outside the managed service
• Transfer or port the website to another hosting provider without North of Ash Limited's prior written consent

No LocalCred repository, nonpublic source file, design file, template, or proprietary asset transfers to Client upon cancellation, refund, or termination unless an approved written order expressly identifies the transferred item and its rights. Client retains its Client Property under Sections 1.3 and 4.

Section 2: Subscription & Access

2.1 Subscription Plans

Launch and Dominate are the only public packages currently offered. These prices and the setup waiver apply to new orders only. Existing customers retain their accepted pricing, scope, entitlements and refund rights; this publication does not reset their agreements.

New Launch and Dominate annual billing prepays twelve months of service at the price of ten monthly payments: two months free. Launch is $1,990/year (saving $398 versus twelve monthly payments); Dominate is $2,990/year (saving $598). These are full annual charges paid upfront, not monthly billing. Standard setup is $499 for Launch and $799 for Dominate, currently waived on both terms with $0 due for setup. No waiver deadline has been set. These are standard fees, not actual build costs or claims about prior customer payments. This new-order catalog is version 2026-10-two-offers-v1. Work outside the included scope requires a quote and approval before work begins. Former Operate, Scale and paid add-on terms below apply only where an existing accepted order includes them; they are not public offers or included extras.

2.2 Billing Cycles

Clients may elect either monthly or annual billing at signup or at renewal. For Operate, the one-time implementation fee is charged separately at private checkout. Its first recurring charge and monthly or annual service term begin only when the agreed operational capability launches or is activated for Client (“Operate Activation”); LocalCred will notify Client of that date. Implementation work alone does not start recurring billing or the Operate guarantee.

(a) Monthly Billing.Monthly subscriptions are billed in advance on Client's billing cycle date. The first monthly charge is due at signup for Launch and Dominate, and at Operate Activation for Operate.

(b) Annual Billing. Clients who elect annual billing are charged the full annual fee in advance at signup for Launch and Dominate, at Operate Activation for Operate, or at renewal. Annual subscriptions automatically renewat the end of each annual term unless cancelled in advance as described in Section 2B.7. The annual fee is the total stated in the table in Section 2.1 and, for new Launch and Dominate orders, equals ten monthly payments for twelve months of service. Setup is waived on both billing terms. Historical orders retain their originally agreed amounts. The annual fee is subject to change at renewal with 30 days' prior written notice. Cancelling after the applicable guarantee window stops the next renewal; service continues through the annual term already paid for, and unused time is not refunded (Section 2B.6).

(c) Auto-Renewal Disclosure for Annual Plans. By electing annual billing, Client expressly acknowledges and agrees that the annual subscription will automatically renew for successive annual terms at the then-current annual rate unless Client cancels before the renewal date as described in Section 2B.7. LocalCred will provide advance written notice of renewal no less than 30 calendar days before the renewal billing date, including the renewal amount and instructions to cancel.

(d) Initial Fees. New Launch and Dominate purchases have $0 due for setup on both billing terms. The standard fees and waiver are in Section 2B.0. Operate and add-on implementation fees remain payable under the approved order on either billing term.

(e) Failed Payments. Failure to pay any subscription amount due within 7 calendar days of the due date may result in suspension of the website. See Section 2B.4.

2.3 Scope of Access

The subscription grants Client access to:

• The live, hosted website or scoped operational system built and maintained by LocalCred
• Any included support, maintenance, or communication services defined for Client's subscription tier

The subscription does not grant Client ownership of, or access to, LocalCred's nonpublic source files, repositories, design files, or infrastructure, except as expressly stated in an approved written order.

Your access to the website or system and to any services included in your plan depends on your subscription staying active. If you cancel or we end the agreement, access stops as described in Section 3.3.

2.4 Plan Changes

Plan, add-on, and scope changes go through LocalCred's approved billing process. Some changes may take effect immediately and others at the next renewal, depending on scope and billing term. Any additional implementation charge is disclosed before work begins. North of Ash Limited may adjust renewal pricing with 30 days' prior written notice, subject to existing agreements and Section 9.7.

2.5 Add-ons and Scoped Services

Launch and Dominate clients may purchase supported fixed add-ons. An add-on can include a one-time implementation fee, a recurring managed-service charge, or both. Its eligibility, scope, and price are disclosed before purchase. It does not require LocalCred to support arbitrary providers or work outside the agreed scope.

Recurring add-ons purchased later are added to Client's existing website subscription. They use the same monthly or annual billing term, renewal date, and agreement end date. The initial recurring charge is prorated for the remaining current billing period; each subsequent period includes the full disclosed add-on recurring price. Any fixed implementation fee is charged in full. New add-on purchases are unavailable once cancellation of the website subscription is scheduled. Dependent add-ons end with the website and do not extend the agreement. Ordinary cancellation does not create an additional refund entitlement; the applicable guarantee and other refund provisions continue to govern.

Existing accepted add-on orders retain their stated implementation and recurring amounts. Former paid extras are not included automatically, and there is no public add-on menu.

Simple Integration connects one supported service for one narrow purpose. HubSpot CRM Connection sends leads one way into the client's HubSpot account. Managed CMS covers a bounded content model and technical integration, not unlimited content entry, schema redesign, or editorial operation. Managed Automation covers one agreed workflow and primary trigger; provider availability can affect execution, and Client must review consequential business actions. Expanded scope requires a separate quote.

Operate is a scope-first managed service for one primary operational capability, such as commerce, booking, customer access, structured listings, or editorial content. The agreed capability and implementation scope are confirmed before purchase. Ongoing care is bounded to up to 90 minutes per month across up to three consolidated small requests; it is not unlimited custom software development. Additional modules or substantial changes require approved scope and pricing. Scale is separately scoped and priced; an approved proposal, statement of work, or order form supplements these Terms and controls where it expressly differs.

Section 2B: Billing, Refunds & Cancellation Policy

2B.0 Setup Fee

A Setup Fee is the one-time base website build charge on a Launch or Dominate standard setup amount, currently waived on both terms:

These are standard setup fees, not our actual build costs. They are currently waived for new Launch and Dominate purchases, with $0 due. The first month or full annual payment is collected before the full build begins.

Launch and Dominate base setup fees are waived for monthly and annual initial purchases. This waiver does not apply to implementation fees.

An Implementation Fee is a separate one-time charge for an add-on, Operate capability, or separately scoped work. It is not a Setup Fee and is not waived on annual billing.

Refundability of Setup Fee:

(a) Within the Base Guarantee Window (Section 2B.3): If Client requests a refund under the 30-Day Money-Back Guarantee, the setup fee isfully included in the refund. Client receives a refund of both the setup fee and the first subscription payment.

(b) After the Base Guarantee Window: The base Setup Fee is non-refundable for voluntary cancellation, subject to other express remedies in these Terms and applicable law.

2B.1 Initial Charges and Operate Activation

The following amounts are payable at the stated times:

• Base Setup Fee ( Launch and Dominate): currently waived on both billing terms; $0 due for setup.
• First Subscription Payment: The applicable monthly or annual subscription fee for Client's chosen tier. Launch and Dominate are charged at signup; Operate is charged at Operate Activation under Section 2.2.
• Implementation Fees for selected fixed add-ons or approved Operate scope, when applicable. These remain due on monthly and annual purchases.

By subscribing, Client authorizes North of Ash Limited to charge applicable initial fees at checkout and recurring payments on the dates described in Section 2.2. Operate requires an approved scope before private checkout. There is no free trial unless explicitly offered in writing by LocalCred.

2B.2 Recurring Billing

Monthly subscriptions renew automatically on the same calendar date each month (“Billing Date”). Annual subscriptions renew automatically at the end of each annual term. Client authorizes recurring charges until the subscription is cancelled in accordance with Section 3.1. For Operate, the first Billing Date is Operate Activation, not the implementation payment date. See Section 2B.7 for annual auto-renewal notice requirements.

2B.3 Refund Policy: 30-Day Money-Back Guarantee

(a) Base-plan guarantee.For an initial Launch or current Dominate purchase, Client may request a refund for any reason within 30 calendar days of the date of Client's initial payment for the base plan (“Base Guarantee Window”). The window starts at payment, not on the date the website is launched, and applies to monthly and annual purchases. It covers the first recurring payment (including the full annual prepayment) and the base Setup Fee actually paid. An annual purchase has no base Setup Fee to refund because that fee was waived.

(b) Fixed add-on guarantee.Each fixed add-on purchase has its own 30 calendar days beginning on the add-on purchase payment date. A qualifying refund covers LocalCred's implementation charge for that add-on and its first recurring managed-service charge actually paid, if any. For a later purchase, that first charge may be prorated for the remaining monthly or annual billing period. Subsequent renewal charges are excluded from this guarantee, even if renewal occurs within those 30 days. A later add-on purchase does not restart the base plan guarantee or make earlier base-plan payments refundable.

(c) Operate recurring guarantee. The first Operate recurring payment, monthly or annual, is refundable on request within 30 calendar days of that payment, which cannot be charged before Operate Activation. No Operate recurring charge or guarantee window begins during implementation before activation. Its implementation fee follows the separate rule below and is not included in this recurring-payment guarantee.

(d) Operate implementation fee. The Operate implementation fee is fully refundable if Client cancels before implementation begins. Implementation begins only after Client provides reasonably required information and access and LocalCred starts client-specific configuration, development, migration, integration, or provisioning. LocalCred records the received requirements and the work started when that transition occurs. Once implementation begins, the Operate implementation fee is non-refundable, except if LocalCred fails to deliver the agreed scope or applicable law requires a refund.

(e) Requests and processing. Submit a written guarantee request to cancel@localcred.co or through the Manage billing page within the applicable window. No minimum justification is required for a guarantee request. Qualifying refunds are initiated within 3 business days and returned to the original payment method; the payment provider controls when a credit appears. Requesting a refund ends the corresponding service, subject to the Client Property retrieval terms in Sections 1 and 4.

(f) Exclusions and other terms. Third-party software, provider subscription, usage, transaction, domain, and similar charges paid by Client are never covered by a LocalCred guarantee. Scale refund terms follow its approved written scope. This guarantee does not reopen for a renewal or plan change. A prior base-plan guarantee refund limits a second base-plan guarantee claim by the same business entity, without removing the separate fixed add-on or Operate rights stated above.

(g) No Code Transfer on Refund. A refund is of fees only. It does not itself transfer LocalCred repositories, nonpublic source files, design files, templates, or proprietary assets. An approved written order may expressly provide otherwise. Client retains its Client Property under Sections 1.3 and 4.

(h) After the applicable window. Base-plan and fixed add-on charges are non-refundable after their respective 30-day windows, and later recurring charges do not create a new window. Operate implementation follows paragraph (d). Failure to deliver agreed scope, a refund expressly provided elsewhere in these Terms, and applicable law remain exceptions. Voluntary cancellation does not create a prorated refund for unused monthly or annual service.

2B.4 Failed Payments

If a scheduled payment fails, LocalCred will notify Client. Client has 7 calendar days from the failed payment date to resolve the billing issue. If payment is not received within that 7-day grace period, LocalCred may suspend the affected managed service without further notice.

Suspension is a consequence of subscription lapse and shall not be construed as a separate breach of this Agreement. Suspension does not constitute cancellation. Client remains responsible for all outstanding fees during suspension.

2B.5 Cancellation Timing

To avoid being charged for the next billing cycle, Client must cancel before their Billing Date. Cancellations submitted on or after the Billing Date will take effect at the end of that billing period, and no refund will be issued for that cycle (except as provided in Section 2B.3). For annual plans, see Section 2B.7 for advance cancellation requirements.

2B.6 Annual Billing: Cancellation After the Applicable Guarantee Window

If Client elected annual billing and cancels after the applicable guarantee window has expired:

(a) No Prorated Refund of Unused Time. Annual billing prepays twelve months of service at the price of ten monthly payments for new Launch and Dominate orders. Historical agreements retain their accepted amounts. After the applicable guarantee window, cancellation stops the next renewal; it does not produce a refund of the unused part of the year already paid.

(b) Service Continues Through the Paid-Through Date. The subscribed service remains available, and LocalCred continues to provide the service, through the end of the annual term Client has already paid for. The license granted in Section 1.2 terminates at that date.

(c) Initial Fees. The Launch and Dominate base Setup Fee is currently waived on monthly and annual initial purchase. Operate and add-on implementation fees are not waived; their refund rules are in Section 2B.3.

(d) Rights Preserved. This Section 2B.6 limits only discretionary prorated refunds for voluntary cancellation. It does not limit any refund expressly provided elsewhere in these Terms, including Section 3.2 (termination by LocalCred without cause), Section 9.4 (force majeure), Section 9.7 (material change), Section 9.8 (service area), and Section 12.5 (loss of an essential third-party service), and it does not limit any right or remedy that applicable law gives Client.

2B.7 Annual Auto-Renewal and Cancellation Before Renewal

Annual subscriptions renew automatically unless Client cancels before the renewal date. To prevent renewal billing:

• Submit cancellation via email to cancel@localcred.co or through the Manage billing page
• Cancellation must be receivedbefore the scheduled annual renewal billing date
• LocalCred will send a renewal reminder no less than 30 calendar days before renewal billing, including the renewal amount and the steps to cancel

If Client does not cancel before the renewal date, the full annual fee for the new term will be charged. Refund eligibility for a renewed term is governed by Section 2B.6 and Section 11.4.

Section 3: Termination & Site Suspension

3.1 Cancellation by Client

Client may cancel their subscription at any time by:

• Sending written notice tocancel@localcred.co, or
• Submitting a cancellation request through the Manage billing page

Email cancellation is available to all subscribers. Every subscriber who signed up online may cancel online through the Manage billing page. Cancellation takes effect at the end of the current billing period unless Client qualifies for and requests a refund under the 30-Day Money-Back Guarantee (Section 2B.3). On annual plans, see Section 2B.6 for what cancellation after the applicable guarantee window does and does not refund.

Upon cancellation:

• The license granted in Section 1.2 terminates automatically at the end of the final billing period
• LocalCred-managed hosting and operations will cease no later than48 hours after the subscription ends
• Client has 30 calendar days from the date the managed service goes offline to request their Exit Kit, which contains their Client Property (see Section 4.1)
• No LocalCred repository, nonpublic source file, design file, template, platform technology, infrastructure, or internal tooling transfers unless an approved written order expressly provides for it

When a recurring managed add-on ends, LocalCred's obligation to operate and maintain that add-on ends with its paid term. Functionality relying on LocalCred-managed infrastructure may cease then. Client-owned data remains Client Property and is handled under Sections 1.3 and 4. Ending an add-on alone does not cancel the base subscription.

3.2 Termination by LocalCred

North of Ash Limited may suspend or terminate Client's access to the managed service for:

• Non-payment of fees past the 7-calendar-day grace period defined in Section 2B.4
• Violation of these Terms of Service or any acceptable use policy
• Other circumstances at North of Ash Limited's reasonable discretion

Termination Without Cause. If LocalCred terminates this Agreement without cause (i.e., not due to non-payment or Client violation), LocalCred will provide Client with 30 days' advance written notice and a pro-rata refund of any prepaid fees covering the unused subscription period. The setup fee is non-refundable in connection with a termination without cause once the Base Guarantee Window has expired, subject to Section 2B.3.

3.3 Effect of Termination

Upon termination for any reason:

• The license ends on the effective termination date, and the managed service goes offline within 48 hours after that date
• Taking the website offline upon cancellation, termination, or suspension for non-payment is a standard consequence of subscription lapse and shall not be construed as a separate breach of this Agreement. LocalCred makes no guarantee regarding the effect of taking a website offline on search engine rankings, third-party citations, or inbound traffic.
• Client has 30 calendar days to request their Exit Kit as described in Section 4.1
• LocalCred has no obligation to maintain, preserve, or provide access to any website assets beyond the retrieval window described in Section 4
• All outstanding balances become immediately due

3.4 No Continuity Obligation

Unless an approved written order expressly requires it, LocalCred is under no obligation to:

• Transfer LocalCred's repository or nonpublic source files to Client or any third party
• Migrate the website to another platform or host
• Maintain a backup of the website beyond the retention period described in Section 4

Section 4: Data Retrieval (Post-Cancellation Window)

4.1 Exit Kit

Following termination or cancellation, Client has 30 calendar daysfrom the date the managed service goes offline to request an Exit Kit containing their own Client Property (as defined in Section 1.3). The Exit Kit includes, as applicable to Client's account:

• Client's business content
• Final custom copy written specifically for Client's business by LocalCred after payment
• Images, logos, and media files provided by Client
• Domain-related information and control where LocalCred administers the domain, as described in Section 4.4
• Available exports of Client's customer, lead, and business data

The standard Exit Kit is limited to Client Property. An approved written order, including a Scale order, may provide for additional specifically identified files or rights. Section 4.2 lists the standard exclusions.

North of Ash Limited will provide the Exit Kit as a ZIP archive upon written request received within the retrieval window. Requests should be submitted to cancel@localcred.co or through the Manage billing page.

4.2 Standard Exit Kit Exclusions

The following LocalCred Property is excluded from the standard Exit Kit unless an approved written order expressly identifies the item and the rights to be transferred:

• Nonpublic source files, repositories, and build tools; browser-delivered assets remain available for ordinary use of the live service under Section 1.1
• Design files, templates, or visual assets created by LocalCred
• Third-party credentials or API keys provisioned by LocalCred
• LocalCred's proprietary configurations, frameworks, or infrastructure

4.3 Expiration of Retrieval Window

After the 30-day retrieval window expires, LocalCred may delete or anonymize service copies of Client Property without further notice. We may retain records only as needed for financial and tax obligations, legal compliance, privacy and security duties, dispute resolution, or limited backup cycles, with access restricted to those purposes. Retained records are deleted or anonymized when the applicable need ends, subject to the Privacy Policy. Client is strongly encouraged to request their content before the retrieval window closes.

4.4 Domain Names

If Client's domain name is registered through or managed by LocalCred:

• Client owns the domain name registration
• LocalCred will transfer DNS control to Client upon written request within the 30-day retrieval window
• If Client does not request transfer within 30 days, LocalCred's obligations regarding the domain cease; Client should initiate transfer directly through the registrar

Section 5: Limitation of Liability

5.1 Liability Cap

To the maximum extent permitted by applicable law, North of Ash Limited's aggregate liability to Client arising out of or related to this Agreement, whether based in contract, tort (including negligence), strict liability, or any other legal or equitable theory, shall not exceed the greater of:

(a) The total fees actually paid by Client to North of Ash Limited in the twelve (12) calendar months immediately preceding the event giving rise to the claim, including any annual prepayment for the subscription term containing that event even if paid just before that lookback period; or

(b) Five Hundred U.S. Dollars ($500.00).

This cap applies to all claims in the aggregate, not on a per-claim basis. The existence of multiple claims shall not expand the cap.

5.2 Exclusion of Consequential Damages

To the maximum extent permitted by applicable law, in no event shall either party be liable to the other for any indirect, incidental, special, consequential, exemplary, or punitive damages; loss of profits, revenue, business, goodwill, or anticipated savings; loss of data or business information; cost of substitute services or procurement of replacement goods; business interruption or loss of business opportunity; whether or not such party has been advised of the possibility of such damages and regardless of the theory of liability.

5.3 Application of Limits

The damages exclusion in Section 5.2 applies to both parties. The aggregate cap in Section 5.1 limits LocalCred's liability to Client; it does not cap Client's payment or indemnification obligations unless an approved written order expressly says otherwise.

5.4 Carve-Outs

Notwithstanding the foregoing, the applicable limitations in Sections 5.1 and 5.2 do not apply to:

• Damages arising from a party's fraud, willful misconduct, or gross negligence
• Damages arising fromdeath or personal injurycaused by a party's negligence
• Any liability that cannot be limited or excluded under applicable law

5.5 Allocation of Risk

The parties intend these limitations to allocate risk under this Agreement, subject to Section 5.4 and applicable law.

Section 6: Disclaimer of Warranties

6.1 Other Warranties Disclaimed

Except for the express service, delivery, support, and refund duties in these Terms and an approved written order, the services and related deliverables are provided “as is” and “as available.” To the maximum extent permitted by applicable law, North of Ash Limited disclaims other warranties, including: any implied warranty of merchantability; any implied warranty of fitness for a particular purpose; any warranty of non-infringement; and any guarantee that the services will be uninterrupted or error-free. This disclaimer does not reduce LocalCred's express maintenance or security duties.

6.2 No Guarantee of Business Outcomes

LocalCred expressly disclaims any warranty or representation that the website or any feature of the services will achieve any particular search engine ranking, generate any specific volume of leads or customer contacts, produce any specific level of revenue or business growth, or improve or maintain online reputation or review scores.

Client acknowledges that business outcomes depend on numerous factors outside LocalCred's control, including but not limited to search engine algorithm changes, local market conditions, Client's business practices, and Client's own responsiveness to leads.

6.3 Third-Party Infrastructure

The services depend on third-party infrastructure and external APIs, including but not limited to Cloudflare, Inc.for content delivery, DNS, and uptime services;Stripe, Inc. for payment processing;Resend for transactional email; Twilio for SMS communications; and Supabasefor account data infrastructure. North of Ash Limited does not control a provider's own availability or operation. LocalCred remains responsible for the integration, monitoring, maintenance, and other work it expressly agrees to perform, including reasonable response to provider incidents. See Section 12 for the applicable third-party dependency terms and Client remedies.

6.4 No Professional Advice

Nothing in the services or related communications constitutes legal, financial, tax, or business advice. Client should seek qualified professional advice for matters requiring such expertise.

Section 7: Indemnification

7.1 Client's Indemnification Obligations

Client shall defend, indemnify, and hold harmless North of Ash Limited and its members, managers, officers, employees, agents, successors, and assigns (“LocalCred Indemnitees”) from and against any and all claims, demands, suits, proceedings, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

(a) Client Property.Any claim that Client Property infringes, misappropriates, or violates any third party's intellectual property rights, privacy rights, right of publicity, or any applicable law or regulation;

Assignment of LocalCred-prepared final custom copy does not by itself make Client responsible for a claim caused by LocalCred's unauthorized selection or creation of that copy.

(b) Client's Business Operations.Any claims by Client's customers, employees, contractors, or any third party arising from Client's business operations, products, or services, including but not limited to claims related to consumer protection, employment, data privacy, or product liability;

(c) Client's Misuse of Services.Any claim arising from Client's use of the services in violation of these Terms of Service, applicable law, or the rights of any third party;

(d) Payment Processing Disputes.Any claim, chargeback dispute, regulatory inquiry, or third-party proceeding arising from payment transactions processed through Client's website, including disputes between Client and Client's customers regarding refunds, failed transactions, or unauthorized charges.

7.2 LocalCred's Limited Indemnification

North of Ash Limited's indemnification obligations to Client are strictly limited. Subject to the liability cap in Section 5.1 and the exclusions below, North of Ash Limited will indemnify Client solely against direct, out-of-pocket losses arising from a final court judgment or final arbitral award (not a settlement) finding that LocalCred's own proprietary code (explicitly excluding all third-party libraries, open-source components, and third-party integrations) directly infringes a valid U.S. copyright registered before the claim, provided that:

(a) Client provides LocalCred with prompt written notice of the claim within 10 business days of becoming aware of it;

(b) Client grants LocalCred sole and exclusive control over the defense, negotiation, and settlement of the claim; and

(c)Client provides full cooperation and assistance at LocalCred's direction and expense.

This indemnification does not applyto any claims arising from: (i) Client's modification of LocalCred's code or deliverables; (ii) use of LocalCred's services in combination with any third-party products or content not provided by LocalCred; (iii) Client Property (as defined in Section 1.3); (iv) third-party libraries, frameworks, or open-source components; (v) any patent, trade secret, or trademark claim of any kind; or (vi) any claim arising from Client's business operations, customers, employees, or contractors. Any indemnification obligation under this Section is subject to the aggregate liability cap in Section 5.1.

7.3 Indemnification Procedure

The party seeking indemnification must:

(a) Provide the indemnifying party with prompt written noticeof any claim for which indemnification is sought (provided that failure to provide timely notice shall only reduce the indemnifying party's obligations to the extent it is materially prejudiced by such delay);

(b) Grant the indemnifying party sole controlover the defense and settlement of the claim, provided that the indemnifying party shall not settle any claim that imposes obligations, restrictions, or admissions on the indemnified party without the indemnified party's prior written consent (not to be unreasonably withheld); and

(c) Provide reasonable cooperation and assistancein connection with the defense, at the indemnifying party's expense.

The indemnified party retains the right to participate in the defense at its own expense with counsel of its choosing.

Section 8: Dispute Resolution

8.1 Informal Resolution Required

Before initiating any formal legal proceeding, the party asserting a claim must:

(a) Provide the other party with written notice describing the nature of the dispute and the specific relief sought;

(b) Allow the other party 30 calendar days from receipt of such notice to respond and attempt to resolve the dispute in good faith.

Initiation of a formal proceeding prior to completion of this informal resolution process shall be grounds for dismissal or stay of such proceeding pending completion of the process. The parties agree to participate in good faith, though neither party is required to accept any particular resolution.

8.2 Binding Arbitration

If a dispute is not resolved through the informal process described in Section 8.1, and the amount in controversy is less than $75,000(exclusive of attorneys' fees and costs), the dispute shall be resolved by binding arbitration administered by the American Arbitration Association (“AAA”) in accordance with its Commercial Arbitration Rules.

(a) Seat and Location. The arbitration shall be conducted in Jefferson County, Colorado, unless the parties mutually agree to a different location or to conduct proceedings remotely.

(b) Arbitrator. The arbitration shall be conducted by a single neutral arbitrator selected in accordance with AAA rules.

(c) Discovery. Discovery shall be limited as provided by the AAA Commercial Arbitration Rules, unless the arbitrator permits additional discovery upon a showing of substantial need.

(d) Award.The arbitrator's award shall be in writing and shall be final and binding. Judgment on the award may be entered in any court of competent jurisdiction.

(e) Costs.Each party shall bear its own attorneys' fees and costs in connection with arbitration, except that the arbitrator may award fees and costs to the prevailing party if the arbitrator determines that a claim or defense was frivolous or advanced in bad faith.

8.3 Small Claims Court

Notwithstanding Section 8.2, either party may bring an individual claim in small claims court in Jefferson County, Colorado, if the claim qualifies under that court's jurisdictional limits. LocalCred exclusively serves Colorado businesses; all disputes shall be governed by Colorado law and venue shall lie in Jefferson County, Colorado.

8.4 Class Action Waiver

All disputes must be brought in the parties' individual capacities and not as a plaintiff or class member in any purported class, collective, consolidated, or representative action. Neither party may participate in a class arbitration, class action, private attorney general action, or any other proceeding in which either party acts or proposes to act in a representative capacity. The arbitrator has no authority to consolidate more than one person's claims or to preside over any form of class or representative proceeding.

If this class action waiver is found to be unenforceable with respect to a particular claim, that claim shall be severed from arbitration and litigated in court pursuant to Section 8.5, while all other claims shall remain subject to arbitration.

8.5 Governing Law and Venue

(a) Governing Law. This Agreement shall be governed by and construed in accordance with the laws of the State of Colorado, without regard to its conflict of law principles. The Federal Arbitration Act governs the interpretation and enforcement of Section 8.2.

(b) Venue. For any dispute that proceeds to court, the parties irrevocably submit to the state courts in Jefferson County, Colorado, and, where federal jurisdiction applies, the federal court serving Jefferson County, Colorado.

Section 9: General Provisions

9.1 Entire Agreement

These Terms of Service, together with any order form, subscription confirmation, or applicable service addendum, constitute the entire agreement between Client and North of Ash Limited with respect to the subject matter hereof. For the order under which Client accepts these Terms, they supersede prior representations, proposals, discussions, and understandings about that order, whether written or oral.

No statement made by any representative of LocalCred, whether in sales conversations, emails, social media, or marketing materials, modifies or supplements these Terms unless incorporated in a signed written addendum.

9.2 Severability

If any provision of this Agreement is found by a court of competent jurisdiction or arbitrator to be invalid, illegal, or unenforceable under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, or, if it cannot be so modified, severed from this Agreement. All remaining provisions shall continue in full force and effect.

9.3 No Waiver

No failure or delay by either party in exercising any right, power, or privilege under this Agreement shall operate as a waiver of that right, power, or privilege. A waiver of any particular breach or default does not constitute a waiver of any subsequent breach or default of the same or any other provision.

9.4 Force Majeure

Neither party shall be liable for delays in performance or failure to perform obligations under this Agreement (other than payment obligations) to the extent caused by circumstances beyond that party's reasonable control, including but not limited to: acts of God, natural disasters, flood, fire, or earthquake; epidemic, pandemic, or public health emergency; acts of war, terrorism, civil unrest, or government action; internet or telecommunications infrastructure failures; or actions or failures of third-party service providers (e.g., Cloudflare, Stripe) that the party could not reasonably prevent or mitigate.

This force majeure provision does not excuse Client's obligation to pay subscription fees that have already been billed, LocalCred's obligations with respect to Client Property retrieval during the retrieval window, or any obligations that arose before the force majeure event.

The party claiming force majeure shall notify the other party in writing as soon as reasonably practicable and shall resume performance promptly once the condition ceases. If a force majeure condition prevents performance for more than 60 consecutive days, either party may terminate this Agreement upon written notice, with pro-rata refund of any prepaid fees covering the period after termination.

9.5 Notices

All notices, requests, consents, and other communications under this Agreement shall be in writing and sent via email to the addresses on file for each party.

• To LocalCred: legal@localcred.co
• To Client:The email address associated with Client's account at the time of notice

Notices sent by email are deemed effective when sent, provided no bounce-back or delivery failure notification is received within 24 hours. It is Client's responsibility to maintain a current and functional email address on file with LocalCred. Cancellation notices must be sent to cancel@localcred.co or submitted through the Manage billing page as described in Section 3.1.

9.6 Assignment

(a) By LocalCred.North of Ash Limited may assign this Agreement, in whole or in part, without Client's consent in connection with a merger, acquisition, sale of substantially all assets, corporate restructuring, or assignment to an affiliate or successor entity. LocalCred will provide written notice to Client of any such assignment. The assignee will be bound by the terms of this Agreement.

(b) By Client. Client may not assign, transfer, or delegate this Agreement or any rights or obligations hereunder without the prior written consent of North of Ash Limited. Any purported assignment by Client without such consent is void and of no effect.

9.7 Amendments

North of Ash Limited reserves the right to modify these Terms of Service at any time.Material changes will be communicated to Client via email to the address on file, with at least 30 calendar days' advance written notice before the amended Terms take effect.

“Material changes” means changes that: (a) expand Client's obligations or liabilities; (b) reduce Client's rights or remedies; or (c) alter the pricing, billing cycle, or refund terms in a way adverse to Client.

Continued use of the services after the effective date of any modification constitutes Client's acceptance of the updated Terms. If Client does not agree to a material change, Client may terminate the subscription before the effective date and receive a pro-rata refund of any prepaid fees for the unused period beyond the effective date.

Non-material changes (such as clarifications, corrections to typographical errors, or updates to contact information) may be made without advance notice and are effective upon posting.

9.8 Colorado-Only Service Area

LocalCred exclusively serves businesses located in the State of Colorado. All services are designed, delivered, and performed in Colorado. This Agreement is governed by Colorado law (see Section 8.5). No representation is made that the services or this Agreement comply with the laws of any other state or jurisdiction.

If at any time LocalCred determines that Client's principal place of business is located outside the State of Colorado, LocalCred reserves the right to immediately terminate this Agreement upon written notice to Client, and to issue a pro-rata refund of any prepaid fees covering the unused subscription period. No base Setup Fee refund shall be issued in connection with a termination under this Section once the Base Guarantee Window has expired, subject to Section 2B.3 and applicable law.

Section 10: Payment Processing Terms (If Enabled)

10.1 Client as Merchant of Record

Client is the merchant of recordfor sales to Client's customers through a Client-owned Shopify store or Client-owned merchant/payment account, including any approved Stripe integration on Client's website. LocalCred is not the seller or merchant of record for Client sales. This means:

• All payment contracts are between Client and Client's customers
• All receipts, invoices, and payment confirmations issued through Client's website are issued by Client, not LocalCred
• All applicable consumer protection obligations, truth-in-lending disclosures, and refund and dispute handling obligations are Client's responsibility

10.2 LocalCred's Role: Technical Facilitator Only

North of Ash Limited is a web services provider and technical integrator only. LocalCred is not a payment processor, financial institution, money services business, or party to any transaction between Client and Client's customers. LocalCred's role is limited to configuring and maintaining the agreed technical integration with Client's commerce or payment provider. LocalCred's own Stripe account is used for LocalCred subscription billing and is never used to collect Client's customer sales.

10.3 PCI DSS Compliance

(a) Client's Responsibility.Client is solely responsible for understanding and fulfilling all PCI DSS compliance obligations applicable to Client's business as a merchant that accepts card payments.

(b) Technical Integration.Supported hosted commerce and payment flows submit cardholder data to the Client's provider, such as Shopify or Stripe, rather than to LocalCred's servers. This configuration does not automatically satisfy Client's PCI DSS obligations; scope depends on Client's provider accounts, payment methods, and business practices.

10.4 Client's Payment Operations Responsibilities

Client is solely responsible for:

• Establishing and communicating to Client's customers Client's own refund and cancellation policies
• Handling all chargebacks and payment disputes with Client's customers through the applicable provider
• Compliance with applicable payment network rules (Visa, Mastercard, etc.) as communicated by Stripe
• Maintaining Client's Shopify store and merchant/payment accounts in good standing and promptly addressing provider reviews, holds, or account actions
• Any tax collection, remittance, or reporting obligations arising from Client's sales transactions

10.5 LocalCred's Technical Assistance

If payment processing is enabled on Client's website, LocalCred will provide reasonable technical assistance with the agreed payment integration. LocalCred remains responsible for its agreed configuration, maintenance, and technical assistance; it does not control provider-side processing, gateway decisions, chargeback outcomes, or Client's tax and regulatory duties. Technical assistance does not constitute financial, legal, or compliance advice.

10.6 Provider Terms

Client's use of Shopify or another commerce/payment provider is governed by that provider's applicable terms and policies. Suspension of Client's provider account does not itself excuse ongoing subscription obligations to LocalCred, subject to the remedies expressly stated in these Terms and law.

Section 11: Auto-Renewal Disclosure (Annual Plans)

11.1 Automatic Renewal

Annual subscriptions automatically renew at the end of each subscription term at the then-current annual ratefor Client's subscription tier, unless Client cancels before the renewal date in accordance with Section 2B.7. LocalCred will disclose the applicable renewal amount in the advance renewal notice described in Section 11.2.

11.2 Advance Renewal Notice

LocalCred will send Client a written renewal notice no fewer than 30 calendar days before the scheduled annual renewal billing date. The renewal notice will include:

• The renewal date
• The renewal amount to be charged
• Instructions for cancelling before the renewal date
• Contact information for cancellation (cancel@localcred.co and the Manage billing page)

11.3 Cancellation Before Renewal

To prevent renewal billing, Client must submit a cancellation request before the renewal billing date via email to cancel@localcred.co or through the Manage billing page. Cancellation requests received on or after the renewal billing date will not prevent the renewal charge for that term. Post-renewal refund eligibility is governed by Section 2B.6 (annual billing) and Section 11.4 (renewal charges).

11.4 Renewal Charges

If Client does not cancel before the renewal date, the renewal charge for the new annual term is non-refundableafter the applicable initial guarantee window has expired. Renewal charges do not start a new guarantee window; a later fixed add-on purchase has its own separate window under Section 2B.3. Other express remedies and applicable law remain in effect.

Section 12: Third-Party Service Dependencies, Outages & API Loss

12.1 Reliance on Third-Party Services

LocalCred's platform and services depend on third-party APIs, platforms, and infrastructure providers, including but not limited to:

• Cloudflare, Inc.: hosting, CDN, DNS, DDoS protection, and Turnstile
• Vercel: web hosting for scoped full applications, when used
• Railway: API hosting and PostgreSQL for scoped full applications, when used
• Cloudflare R2: object storage for scoped file features, when used
• Stripe, Inc.: subscription billing for LocalCred plans
• Resend: transactional email delivery
• Twilio: SMS outreach and client communications
• Supabase: account and client data infrastructure
• HubSpot: client-owned CRM for one-way lead delivery, when selected
• Sanity: managed content and editorial data, when selected
• Cal.com: client-owned booking account and scheduling state, when selected
• Shopify: client-owned store, catalog, checkout, and orders, when selected
• ElevenLabs: AI voice technology for the separately described calling program, if activated (see Section 12.9)
• AI / Large Language Model Providers: possible providers include OpenAI, Anthropic, Google (Gemini), OpenRouter, and other AI tools for development, service and administrative workflows or separately agreed live features (see Section 12.8)

North of Ash Limited does not own, operate, or control these third-party services. Their availability, feature sets, pricing, and terms of service are subject to change at any time at those providers' sole discretion.

Unless an approved written order expressly includes them, third-party software, provider subscriptions, transaction fees, usage charges, domain fees, and similar external charges are paid by Client separately. Client maintains its domain, HubSpot, Cal.com, Shopify store, and merchant/payment accounts; LocalCred may receive delegated access to deliver the agreed integration. Client must comply with each provider's terms.

12.2 No Liability for Third-Party Outages or Degradation

North of Ash Limited does not control outages, maintenance, API changes, rate limits, or policy actions by independent providers. LocalCred remains responsible for its agreed integration, monitoring, maintenance, security, notice, and reasonable mitigation work; this Section does not excuse a failure by LocalCred to perform those duties.

This includes, without limitation:

• Cloudflare network outages, DNS propagation delays, or DDoS mitigation events
• Stripe API downtime, payment processing errors, or Stripe-initiated account holds
• Resend email delivery failures or queuing delays
• Twilio messaging failures, carrier filtering, or SMS delivery delays
• Supabase database unavailability, query failures, or data access errors
• AI or LLM provider API outages, rate limiting, model deprecations, content policy changes, or changes to model behavior or output quality

A provider-caused outage alone does not establish a breach by LocalCred or automatically suspend payment obligations. The express service duties, guarantees, and remedies in these Terms, an approved written order, and applicable law remain available.

12.3 API Changes, Deprecations, and Access Loss

Third-party providers may at any time modify, restrict, deprecate, or discontinue APIs, features, or services that LocalCred integrates with or relies upon (“API Change”). An API Change outside LocalCred's control does not excuse LocalCred from managing an agreed integration or taking the response steps below.

If a third-party API Change materially affects a feature included in Client's subscription tier, LocalCred will make commercially reasonable efforts to:

• Notify Client within a reasonable time after becoming aware of the impact
• Propose and, where feasible, implement a functionally equivalent substitute, with Client approval before materially changing a Client-owned operational provider
• Communicate timeline and workaround information to Client

LocalCred makes no guarantee that a functionally equivalent substitute will be available, or that any substitute will be implemented within any particular timeframe.

12.4 LocalCred's Right to Substitute Services

North of Ash Limited may substitute providers for infrastructure it controls, such as its hosting, delivery, or internal tooling, while maintaining the agreed capability. A material change to a Client-owned operational provider named in the approved scope (such as Client's Shopify, Cal.com, HubSpot, or Sanity account) requires Client's prior approval and cooperation, including any required account authorization or migration.

LocalCred will give reasonable notice of a substitution that affects Client's service. An approved change to a Client-owned provider may require revised scope, timing, or third-party charges; LocalCred will disclose these before work begins. Section 9.7 still governs adverse changes to these Terms.

12.5 Material Loss of an Essential Third-Party Service

If a third-party service required for LocalCred to provide a material part of the purchased Services becomes unavailable to LocalCred because of discontinuation, suspension, loss of access, or another circumstance outside LocalCred's reasonable control, LocalCred may substitute a reasonably equivalent service under Section 12.4. LocalCred will use commercially reasonable efforts to restore the affected functionality or implement a reasonably equivalent substitute.

If the affected material functionality cannot reasonably be restored or replaced within 30 calendar days after the loss materially prevents LocalCred from providing the purchased Services, either party may terminate the affected Services upon written notice.

Upon termination under this Section, LocalCred will refund any prepaid recurring subscription fees attributable to the period after the effective termination date. Setup fees, implementation fees, third-party charges, and amounts attributable to Services already provided remain subject to the refund and payment provisions otherwise applicable to those charges.

This Section does not apply where the loss or unavailability results from Client's failure to maintain a required third-party account, payment, authorization, credential, or compliance obligation.

12.6 Client's Own Third-Party Integrations

Where Client independently uses third-party tools, accounts, or services outside the agreed scope (including but not limited to Google Business Profile, Google Analytics, social media platforms, review platforms, or booking software), Client is responsible for:

• Maintaining valid accounts and access credentials for those services
• Impacts to Client's own use of those services resulting from provider changes
• Compliance with those services' terms of service and platform policies

For a service that Client independently connects outside the agreed scope, LocalCred has no duty to remediate its provider issues. For an integration LocalCred agreed to manage, LocalCred remains responsible for the agreed technical work and the response duties in Section 12.3, while Client maintains the provider account and required access.

12.7 No Uptime Guarantee

North of Ash Limited does not warrant or guarantee any specific uptime percentage or service level for the website or any associated service. Uptime is dependent in part on third-party infrastructure providers, including Cloudflare, whose service levels are governed by their own terms and are outside LocalCred's control. In no event shall downtime caused by third-party infrastructure alone establish a breach by North of Ash Limited, subject to LocalCred's express service duties, guarantees, remedies, and applicable law.

12.8 Artificial Intelligence & Large Language Model Providers

LocalCred uses AI-assisted tools across development, service delivery and administrative work. These workflows may include coding, content drafting, research, testing, review, support and business administration. Relevant Client Property and client, prospect or business information may be supplied to the tools used for that work, subject to Section 12.8.4 and the Privacy Policy. Its development workflow may combine automated tests, AI-assisted review and release checks. This does not mean every line of code or item of content receives human review, and it does not guarantee that all defects will be detected. LocalCred remains responsible for the implementation, maintenance, security, support and other work it expressly agrees to perform.

AI use in these workflows does not by itself add an autonomous AI feature to Client's live service. A client-facing AI feature is included only where identified in the agreed scope. Providers and data handling are described in Section 12.8.4 and the Privacy Policy.

Possible AI Providers include OpenAI, Anthropic, Google (Gemini), OpenRouter and other AI tool providers. Naming a provider here does not mean it is used for every service or is currently active.

12.8.1 No Guarantee of AI Output

AI outputs may be inaccurate, incomplete, inconsistent or unsuitable for a particular purpose. LocalCred does not guarantee the accuracy or completeness of an AI output merely because an AI system generated or reviewed it. This does not reduce LocalCred's express service, delivery, maintenance, security, support or refund duties.

Client must review the business facts, services, prices, qualifications, testimonials and other marketing claims supplied for approval, and identify corrections before authorizing publication. Client is responsible for information it provides and for obtaining professional review required for regulated claims or business decisions. Client approval does not transfer LocalCred's technical implementation responsibilities to Client or require Client to audit source code.

LocalCred publishes the initial marketing site after Client approves its supplied preview and content. A written instruction to publish a specified content change constitutes approval of that change. Runtime AI outputs and automated operational actions follow their separately agreed scope and controls.

12.8.2 Model Changes, Deprecations & Policy Updates

AI Providers may at any time modify, restrict, deprecate, or discontinue models or API versions; change output behavior, capabilities, or content policies; or impose new usage restrictions. These changes are outside LocalCred's control. North of Ash Limited is not liable for any degradation, change in output quality, feature unavailability, or service disruption resulting from an AI Provider's modification of its models or policies. LocalCred will make commercially reasonable efforts to substitute an equivalent AI Provider or model when a material change affects a platform feature included in Client's subscription tier, but does not guarantee continuity of any specific model, provider, or output characteristic.

Provider-controlled events do not excuse LocalCred's own failure to perform agreed integration, monitoring, maintenance, security, notice or reasonable mitigation duties, or reduce express guarantees and remedies.

12.8.3 Rate Limits & Availability

AI Provider APIs are subject to rate limits, quota restrictions, and capacity constraints that may result in delayed, degraded, or temporarily unavailable AI-powered features. North of Ash Limited is not liable for service delays or feature unavailability caused by AI Provider rate limits or capacity constraints.

Provider-controlled events do not excuse LocalCred's own failure to perform agreed integration, monitoring, maintenance, security, notice or reasonable mitigation duties, or reduce express guarantees and remedies.

12.8.4 Data Handling by AI Providers

To the extent that Client Property or other data is processed through AI Provider APIs as part of service delivery, such processing is governed by the applicable AI Provider's terms of service and data processing agreements. North of Ash Limited will not knowingly transmit Client's sensitive personal data (such as payment card numbers or government-issued identification) to AI Provider APIs. However, Client acknowledges that certain content submitted for website assistance or platform features may be processed by third-party AI systems. Clients with heightened data sensitivity requirements should contact LocalCred before subscribing.

12.8.5 No Exclusive Reliance on AI Output

AI-assisted review and automated tests are tools in LocalCred's development and maintenance process. They do not guarantee correctness or replace Client's review of business facts, brand decisions, regulated claims and consequential business decisions. LocalCred performs the technical implementation and release checks appropriate to the agreed service; Client performs the business-content and decision review described in Section 12.8.1. Neither allocation removes duties expressly undertaken by the other party.

12.9 ElevenLabs AI Voice Agent

This section applies only if LocalCred activates its optional outbound calling program. Calling is separate from the Client website subscription.

If the optional outbound AI Calling Program is activated, it usesElevenLabs, Inc.for AI voice synthesis and conversational agent technology, delivered via Twilio's telephony infrastructure. ElevenLabs is an independent third-party provider. LocalCred does not own or control ElevenLabs' platform, and ElevenLabs' availability, performance, and policies are subject to change at ElevenLabs' sole discretion.

North of Ash Limited is not liable for any degradation, outage, or unavailability of the AI Calling Program caused by ElevenLabs' or Twilio's platform disruptions, policy changes, or rate limits. The AI Calling Program is an operational outreach tool and is not a service feature included in Client subscriptions; it is used by LocalCred for its own business development purposes only.

SMS Communications Program

Program description. LocalCred operates an outbound SMS outreach program to introduce our web design services to local business owners. Messages may include links to demo websites, service information, and follow-up communications related to LocalCred offerings. This program is directed at business phone lines in a B2B context.

Message frequency. Message frequency varies. You may receive up to 3 messages per outreach sequence per business contact.

Rates. Message and data rates may apply depending on your mobile carrier and plan.

Opt-out. To stop receiving SMS messages from LocalCred, reply STOP to any message at any time. You will receive one final confirmation and no further messages.

Help. For assistance, reply HELP to any message or contact us at hello@localcred.co.

Carriers are not liable for delayed or undelivered messages. LocalCred does not share, sell, or transfer phone numbers obtained through this program to any third party for marketing purposes.

AI-Powered Outbound Calling Program

The following disclosures apply only if LocalCred activates this optional program and places calls.

Automated Voice Agent Disclosure

When this program is activated, LocalCred uses an AI-powered conversational voice agent (powered by ElevenLabs and delivered via Twilio) to make outbound telephone calls to prospective business clients (“AI Calling Program”). These calls are automated and made using a synthetic AI voice. When you receive a call from LocalCred, you may be speaking with an AI agent, not a human representative.

The AI Calling Program is intended to introduce LocalCred's services to Colorado business contacts. Contact information may come from publicly available business directories (BBB, Google Maps, and similar registries). A listing as a business contact does not itself establish consent to an automated call.

Calling Consent and Opt-Out

Automated and synthetic-voice calls may be subject to consent, do-not-call, identification, recording, and other requirements under federal and state law. A number's appearance in a business directory or its use for business does not by itself establish permission to place an AI call. LocalCred must assess applicable requirements before placing such calls and honor requests not to call.

Notwithstanding the foregoing, LocalCred maintains an internal do-not-call list and honors opt-out requests. If you wish to opt out of future calls from LocalCred:

• During a call:Say “stop,” “remove me,” or “do not call” at any time. The AI agent will honor your request.
• By email: Send your business name, phone number, and opt-out request to hello@localcred.co.

Opt-out requests will be processed within 5 business daysand the number will be added to LocalCred's internal suppression list.

Call Recording Notice

Calls made through LocalCred's AI Calling Program may be recorded for quality assurance, training, and compliance purposes. The agent should identify itself and give recording notice at the outset. LocalCred will assess the consent and notice rules that apply to the call and obtain any required consent before recording. Continuing a call alone is not treated here as automatic consent to recording.

Call recordings are handled in accordance with LocalCred's Privacy Policy (localcred.co/legal/privacy), which governs retention, use, and deletion of call recordings.

AI Visibility Monitoring (GEO) Service

Service Description

If Client's accepted order includes AI Visibility Monitoring(GEO) and LocalCred activates the agreed service, LocalCred may monitor how Client's business is cited or described across AI-powered search and answer platforms, including ChatGPT (OpenAI), Gemini (Google), Google AI Mode, Perplexity, and similar large language model (LLM) and AI assistant platforms (“AI Search Engines”).

If the service is activated, LocalCred may submit periodic queries using Client's business name, location, category or other descriptive information to AI Search Engine APIs or interfaces, then report the results to Client.

No Guarantee of AI Citation Results

AI Search Engine responses are probabilistic and outside LocalCred's control. LocalCred makes no warranty or representation that AI Visibility Monitoring will improve, maintain, or achieve any particular level of citation, mention, or recommendation by any AI Search Engine. AI Search Engine outputs may change at any time without notice at the discretion of the AI Search Engine provider.

Client acknowledges that AI Search Engine responses may be inaccurate, outdated, or may omit Client's business entirely. LocalCred is not responsible for AI Search Engine outputs or for any business impact resulting from how Client's business is or is not referenced by AI Search Engines.

AI-Assisted Website Content

Some or all of Client's website copy may be drafted or revised with AI assistance. LocalCred's workflow may use automated checks and AI-assisted review; this is not a promise that every item receives human review. The initial site preview and marketing content are supplied to Client for review and approval under Section 12.8.1.

Client must verify its business information and marketing claims and obtain appropriate licensed-professional review for regulated claims before authorizing publication. LocalCred remains responsible for agreed implementation, publication and other express service duties. AI involvement does not permit fabricated testimonials, misleading claims or unauthorized use of third-party material.

Contact

Questions about these Terms? Reach us at hello@localcred.co.