Terms & Conditions

Effective date: August 26, 2026

Contents

• 1. Acceptance
• 2. Eligibility
• 3. Service Scope
• 4. Accounts & Security
• 5. Customer Records
• 6. Trusted Connections
• 7. Plans & Limits
• 8. Billing & Renewal
• 9. Refunds
• 10. Cancellation & Deletion
• 11. Third Parties
• 12. Acceptable Use
• 13. Intellectual Property
• 14. Communications
• 15. Disclaimers
• 16. Liability
• 17. Indemnity
• 18. Disputes & Georgia Law
• 19. Changes
• 20. General Terms

1. Acceptance of these Terms

These Terms & Conditions ("Terms") are a binding agreement between you and Mitigate America, LLC, doing business as EnsureLoc ("EnsureLoc," "we," "us," or "our"). They apply when you access ensureloc.com, create or use an EnsureLoc account, purchase a membership or one-time package, use the member portal, use free readiness tools, or otherwise use services that link to these Terms (collectively, the "Service").

By clicking an acceptance button, completing a purchase, creating an account, or using the Service, you agree to these Terms and our Privacy Policy. Electronic acceptance and electronic records may be used to form and evidence this agreement to the extent permitted by applicable law.

2. Eligibility and Authority

You must be at least 18 years old and legally capable of entering into a contract to create a customer account. If you use the Service for a business, public entity, nonprofit, household, estate, or another person or organization, you represent that you have authority to bind or act for that party and to possess, upload, manage, and share the records involved.

Accounts are not intended to be created by children under 13. Adults may lawfully store records concerning children or dependents when they have authority to do so.

3. Service Scope; Records Readiness Only

EnsureLoc is a self-service records-readiness software platform. Depending on the plan, the Service may include a secure portal, record categories, upload and retrieval tools, records-readiness guidance, reminders, Trusted Connections, account support, and other organizational features.

EnsureLoc is not an insurance company, insurance agency, public adjuster, claims administrator, law firm, fiduciary, healthcare provider, financial adviser, emergency service, government agency, or professional records custodian. We do not determine ownership, verify authenticity, certify legal sufficiency, assess value, prepare or adjust claims, decide coverage, guarantee reimbursement, make legal-access determinations, or provide legal, tax, insurance, financial, medical, or other licensed professional advice.

Readiness checklists, scores, recommendations, reminders, templates, and examples are general organizational tools. They do not prove that a record is current, complete, legally sufficient, or acceptable to any insurer, court, lender, government agency, healthcare provider, buyer, employer, or other third party.

4. Accounts, Authentication, and Security

You are responsible for accurate account information, maintaining control of your email account and devices, safeguarding passwords and authentication factors, and promptly notifying us of suspected unauthorized access. You may not share credentials in a way that circumvents the Service's access controls.

You must use reasonable security practices, including strong unique passwords and additional authentication when available. No online service can guarantee absolute security or uninterrupted availability. Keep independent copies of records that would be difficult or impossible to replace.

5. Customer Records and Content

Your ownership

As between you and EnsureLoc, you retain your rights in records and other content you upload or direct the Service to process ("Customer Content"). You represent that you have all rights and permissions necessary to possess, upload, store, process, and share Customer Content.

Limited technical license

You grant EnsureLoc and its service providers a limited, non-exclusive license to host, transmit, store, back up, display to you and authorized users, and otherwise technically process Customer Content only as reasonably necessary to operate, secure, maintain, support, or comply with law in connection with the Service. This does not transfer ownership of your records to EnsureLoc.

Hands-off operating policy

EnsureLoc's routine operating policy is that EnsureLoc personnel do not open, read, inspect, edit, rename, organize, interpret, or make decisions based on the contents of individual customer records. Technical and account support is designed to be performed without reviewing record contents. Customer Content may nevertheless be processed automatically by infrastructure providers and may be preserved, restricted, or disclosed when required by valid legal process or applicable law.

Sensitive records

The Service may be used to store sensitive records, including identification, insurance, financial, legal, medical, property, vehicle, family, and business records. Upload only records you are legally authorized to store and only the information reasonably needed for your records-readiness purpose. Do not place passwords, authentication codes, or unnecessary full account credentials in titles, notes, filenames, public forms, ordinary email, or chat.

6. Trusted Connections, Sharing, Death, and Incapacity

You control whether to invite a Trusted Connection, which records or areas to share, and which available permissions to grant. You are responsible for the identity and trustworthiness of each invitee, the permissions you select, reviewing continued access, and removing access when it is no longer appropriate.

EnsureLoc does not independently decide that a spouse, relative, caregiver, beneficiary, executor, attorney, insurer, employer, government official, or other person is entitled to your records. A claim of death, incapacity, kinship, appointment, or authority does not by itself create portal access. Access must arise from customer-established permissions or from valid legal process handled in accordance with applicable law and provider procedures.

Trusted Connections may be subject to plan limits and permission restrictions. The primary customer remains responsible for sharing decisions and for actions taken by people the customer authorizes, except to the extent caused by EnsureLoc's own unlawful conduct.

7. Plans, Storage, Limits, and Changes

Plan descriptions, prices, storage allowances, Trusted Connection limits, event scope, and other material terms are shown on the applicable purchase page or checkout. Technical limits such as maximum individual file size, supported formats, security limits, or provider restrictions may apply even when not stated as a record-count limit.

After-Loss packages are limited to the loss-event scope stated at purchase. One-time packages do not automatically convert into annual memberships unless clearly disclosed and accepted.

We may improve, modify, replace, or discontinue features. If a material change substantially reduces a paid core feature during a current paid term, we will use commercially reasonable efforts to provide notice and an appropriate remedy required by law.

8. Billing, Automatic Renewal, and Cancellation of Renewal

Prices and billing frequency are displayed before purchase. Payment processing is handled by third-party payment providers such as Stripe. We do not store complete payment-card numbers.

Annual memberships automatically renew for successive annual terms at the then-current disclosed price unless you cancel before the renewal date. One-time packages do not renew unless the checkout clearly says otherwise.

Automatic-renewal terms, the renewal period, cancellation method, and material billing terms are intended to be presented clearly before or at purchase and in the purchase acknowledgment as required by applicable law. You authorize the payment method on file to be charged for recurring fees you have accepted until you cancel.

Easy cancellation: cancel through any available secure billing/account control or use this preformatted email: Cancel Automatic Renewal by Email. We may ask you to authenticate the account, but we will not require unnecessary information solely to create a barrier to cancellation. Cancellation stops future renewal; unless otherwise stated, you retain paid access through the end of the current term.

Price changes apply prospectively and will be communicated as required by law. You are responsible for applicable taxes unless the law requires us to collect them directly.

9. Refund Policy

The Refund & Cancellation Policy in the highlighted section above is incorporated into these Terms. For clarity:

• 7-day initial unused-service refund: available only before the first customer-record upload and before any Trusted Connection invitation is sent.
• 3-day annual-renewal refund: available when requested promptly after renewal and there has been no material post-renewal use, as described above.
• After use: fees are non-refundable once a record is uploaded, a Trusted Connection invitation is sent, or an add-on is used, except where applicable law requires a refund.
• Service failure: if EnsureLoc cannot provision a paid service because of an EnsureLoc-controlled error and cannot cure the problem within a reasonable time, we will provide the refund or remedy required by applicable law and may provide an additional refund in our discretion.
• Promotions: any approved refund is limited to the amount actually paid for the refunded item, not its undiscounted list price.

Georgia generally allows businesses to establish their own disclosed refund policies, subject to consumer-protection and other applicable laws. We will honor the refund policy presented at the time of purchase and any non-waivable legal rights.

10. Cancellation, Termination, and Account Deletion

Cancellation of automatic renewal is different from account deletion. Cancelling renewal generally keeps the account active through the paid term. Deleting the account initiates removal of the account and associated customer data through applicable providers and may end access sooner.

Before deletion, expiration, or termination, download records you want to keep. Deletion may be irreversible after processing begins. Some limited information may be retained where reasonably necessary for payment records, fraud prevention, security, backups, legal holds, dispute resolution, or legal compliance. Account deletion does not itself create refund eligibility.

We may suspend or terminate access for nonpayment, security risk, unlawful use, material breach of these Terms, abuse of the Service, or where continued operation would create legal or security risk. Where reasonable, we will provide notice and an opportunity to cure before termination, except in urgent security, legal, fraud, or abuse situations.

11. Third-Party Services and Infrastructure

EnsureLoc relies on third-party providers for functions such as hosting, authentication, payments, email, automation, database operations, and secure file storage/sharing. Current providers may include Stripe, Netlify, ShareFile, Airtable, and related infrastructure or communications providers. Their terms, privacy practices, service levels, technical limits, outages, and security controls may apply to the portions of the Service they operate.

References to a provider's certifications, data centers, encryption, or security controls describe that provider's environment and do not mean that EnsureLoc itself holds the provider's certification unless expressly stated.

12. Acceptable Use

You may not use the Service to violate law or another person's rights; upload malware or malicious code; interfere with security or availability; probe or bypass access controls; impersonate another person; store or share records you are not authorized to possess or disclose; facilitate fraud, identity theft, harassment, exploitation, or unlawful surveillance; or use automated methods to scrape or overload the Service.

We may take proportionate steps to protect users, providers, and the Service from suspected abuse, including blocking activity, preserving logs, suspending access, or reporting conduct when legally required.

13. EnsureLoc Intellectual Property

The Service, site design, software, branding, trademarks, documentation, workflows, and original content provided by EnsureLoc are owned by or licensed to Mitigate America, LLC and are protected by applicable intellectual-property laws. These Terms grant you a limited, revocable, non-transferable right to use the Service for its intended purpose during your authorized access. No rights are granted except as expressly stated.

If you voluntarily provide suggestions or feedback, you grant us permission to use them without restriction or compensation, provided we do not publicly identify you without permission.

14. Electronic Communications and Marketing

You consent to receive transactional electronic communications necessary to administer the Service, including purchase confirmations, security notices, account messages, legal notices, and service changes. You are responsible for keeping your contact information current.

Marketing communications, if sent, will be handled in accordance with applicable law. You may opt out of marketing email using the unsubscribe method provided. Opting out of marketing does not stop essential transactional or security communications.

15. Disclaimers of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." ENSURELOC DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE, EXCEPT TO THE EXTENT A WARRANTY CANNOT LAWFULLY BE DISCLAIMED.

We do not warrant that the Service will be uninterrupted, error-free, immune from cyberattack, compatible with every device or file, or that any record will be accepted by a third party or produce a particular legal, insurance, financial, medical, tax, warranty, rebate, claims, recovery, or reimbursement outcome.

16. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, ENSURELOC AND MITIGATE AMERICA, LLC WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES; LOST PROFITS OR REVENUE; LOSS OF GOODWILL; OR LOSSES ARISING FROM THIRD-PARTY DECISIONS, USER SHARING CHOICES, MISSED DEADLINES, UNAUTHORIZED ACTS OF A TRUSTED CONNECTION, OR THIRD-PARTY SERVICE FAILURES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID TO ENSURELOC FOR THE SERVICE GIVING RISE TO THE CLAIM DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY OR (B) $100. This limitation does not apply where prohibited by law or to liability that cannot lawfully be limited.

17. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Mitigate America, LLC and its officers, employees, and agents from third-party claims, damages, liabilities, and reasonable costs arising from your unlawful Customer Content, your violation of another person's rights, your unauthorized sharing, or your material violation of these Terms. This obligation does not apply to the extent a claim results from EnsureLoc's own negligence, willful misconduct, or violation of law where such exclusion is required.

18. Dispute Resolution and Georgia Law

Before filing a lawsuit, you and EnsureLoc agree to make a good-faith effort to resolve the dispute informally for at least 30 days after written notice of the dispute, unless urgent injunctive relief, a statutory deadline, or small-claims procedure makes that impracticable.

These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law principles, except where federal law or another jurisdiction's non-waivable consumer law applies. Any court action must be brought in a court of competent jurisdiction with proper venue in Georgia, unless applicable law requires otherwise.

Nothing in these Terms prevents either party from seeking relief in an appropriate small-claims court or from reporting a matter to a government agency. Nothing waives a non-waivable consumer right.

19. Changes to the Service or Terms

We may update these Terms to reflect changes in the Service, law, security practices, providers, or business operations. We will post the revised effective date and provide additional notice of material changes when required by law. Changes generally apply prospectively. Continued use after an effective change constitutes acceptance where permitted by law.

20. General Terms

If a provision is found unenforceable, it will be enforced to the maximum lawful extent and the remaining provisions will remain in effect. Our failure to enforce a provision is not a waiver. You may not assign your account or these Terms without our written consent, except where law provides otherwise. We may assign these Terms in connection with a merger, reorganization, financing, sale of assets, or similar transaction.

Neither party is liable for delay caused by events beyond reasonable control, including disasters, major internet or infrastructure failures, war, terrorism, government action, labor disruptions, or provider outages, except for payment obligations already due and obligations that law does not permit to be excused.

These Terms, the Privacy Policy, checkout disclosures, and any plan-specific terms presented at purchase constitute the agreement regarding the Service. If plan-specific checkout terms conflict with these Terms on price, billing cycle, storage, or package scope, the specific checkout term controls for that purchase.

Contact

Questions, legal notices, cancellation requests, or refund requests may be sent to support@ensureloc.com.