Terms and Conditions

Effective Date: May 15, 2026

Table of Contents

1. Acceptance of Terms

These Terms and Conditions are effective as of May 15, 2026. They apply to Services accessed, used, purchased, or requested on or after that date and supersede prior public website terms and conditions to that extent, except where a separate signed agreement, prior transaction-specific terms, or applicable law provides otherwise.

These Terms are entered into by and between you and Remver Holdings, Inc. d/b/a Remver Consulting (“REMVER,” “we,” “us,” or “our”). For purposes of these Terms, the websites, pages, resources, products, subscriptions, communications, tools, and services described herein are collectively referred to as the “Services.”

By accessing or using the Services, submitting a form, downloading a resource, making a purchase, creating an account, accessing gated content, scheduling a meeting, opting into communications, or otherwise engaging with REMVER through the Services, you agree to be bound by these Terms and Conditions. For purchases, subscriptions, gated resources, accounts, SMS/mobile messaging opt-ins, and other interactions where REMVER presents these Terms with an acceptance checkbox, button, form submission, or similar acknowledgment, you agree that your click, checkbox selection, form submission, purchase, account creation, or other affirmative action constitutes your electronic acceptance of these Terms.

REMVER may require separate affirmative acceptance of these Terms for certain Services, including purchases, subscriptions, gated resources, accounts, SMS/mobile messaging programs, downloads, scheduling forms, or paid service engagements. Where separate acceptance is required, the applicable form, checkout page, account page, or opt-in process will present these Terms and the Privacy Policy in a clear and conspicuous manner before submission, enrollment, account creation, download, opt-in, or purchase. REMVER may retain records of the acceptance method, version of the Terms presented, date and time of acceptance, source page or workflow, account or transaction identifier, IP address or session data where available, and related evidence reasonably necessary to demonstrate assent, maintain business records, resolve disputes, and comply with applicable law.

‍

Priority of Agreements

These Terms are intended for general public use. If you and REMVER enter into a separate signed agreement, including a Statement of Work, Master Services Agreement, Non-Disclosure Agreement, order form, subscription agreement, or other written agreement, that signed agreement will control if there is a direct conflict with these Terms, but only for the specific services, products, subscription, or engagement governed by that signed agreement and only to the extent permitted by applicable law. Nothing in these Terms limits any non-waivable rights or remedies you may have under applicable consumer protection, privacy, automatic-renewal, telecommunications, or other laws.

2. Services Overview

REMVER provides consulting, advisory, managed, educational, digital, subscription-based, and technology-enabled services that support organizations in developing, operating, scaling, governing, and protecting their businesses. REMVER’s Services may address strategy, operations, governance, risk management, compliance readiness, operational resilience, business continuity, technology, data, artificial intelligence, automation, and related business-support areas.

Depending on the specific Service purchased, requested, or made available, REMVER may provide frameworks, templates, guides, assessments, workbooks, operating model materials, AI-assisted resources, automation-related resources, training materials, implementation-support materials, subscriptions, digital products, consulting services, advisory services, managed services, or other professional services.

The specific scope, deliverables, fees, timelines, access rights, usage rights, customer responsibilities, implementation obligations, support obligations, subscription terms, renewal terms, cancellation rights, and other service-specific terms will be stated in the applicable checkout page, order form, statement of work, master services agreement, subscription agreement, written proposal, product description, or other written agreement or terms applicable to that Service.

Unless expressly stated in a signed written agreement, order form, statement of work, or product-specific terms, REMVER’s digital products, templates, guides, assessments, AI-assisted resources, automation-related resources, educational materials, and downloadable resources do not include customized consulting, legal review, regulatory review, implementation services, managed services, system configuration, ongoing monitoring, or individualized professional advice.

REMVER may modify, improve, discontinue, repackage, or update its Services, materials, digital products, subscriptions, resources, or technology-enabled offerings from time to time, subject to any specific rights or obligations stated in an applicable signed agreement, order form, subscription terms, or product-specific terms.

‍

Purchasing, Refund, Delivery, Cancellation, and Subscription Terms

Purchases, payments, taxes, refunds, cancellations, delivery, fulfillment, subscriptions, memberships, recurring billing, payment plans, and related billing matters are also governed by, and where applicable incorporated by reference into these Terms, REMVER’s Purchasing Policies and Subscription and Recurring Billing Terms, together with any product-specific checkout disclosures, order forms, subscription terms, or signed written agreements. REMVER’s Purchasing Policies and Subscription and Recurring Billing Terms are available through REMVER’s Privacy Policy and Legal Policies page at https://www.remver.com/privacy-policy/. Where required by applicable law or product-specific terms, material purchase, subscription, renewal, cancellation, delivery, refund, tax, and billing disclosures will be presented before purchase, enrollment, renewal, or charge authorization.

For online subscriptions, memberships, automatic renewals, free-to-paid conversions, trial-to-paid conversions, recurring billing, or continuous-service arrangements, REMVER will provide legally required renewal, billing, reminder, cancellation, fee-change, trial-conversion, and post-enrollment acknowledgment disclosures through the applicable checkout flow, subscription terms, customer portal, confirmation notice, or other required notice method.

Where required by applicable automatic-renewal, recurring-billing, or continuous-service law, REMVER will maintain verification of a consumer’s affirmative consent to automatic-renewal, recurring-billing, or continuous-service terms for the legally required period.

3. Website and Services Use

You may access and use the Services only for lawful purposes, for your own internal business, professional, organizational, educational, or permitted personal use, and only in accordance with these Terms, any applicable written agreement, and applicable law.

You agree not to, directly or indirectly:

(a) copy, reproduce, distribute, publish, display, transmit, resell, sublicense, commercialize, or create derivative works from REMVER content, materials, templates, frameworks, digital products, AI-assisted resources, outputs, or Services except as expressly permitted by REMVER in writing;

(b) use the Services, materials, forms, downloads, AI-enabled tools, communications, or platforms for any fraudulent, deceptive, unlawful, harmful, abusive, discriminatory, defamatory, infringing, harassing, threatening, or otherwise improper purpose;

(c) use the Services to transmit or facilitate spam, unsolicited communications, phishing attempts, social-engineering attempts, malware, malicious code, harmful scripts, credential-harvesting activity, deceptive content, or unauthorized advertising or promotional messages;

(d) attempt to gain unauthorized access to any REMVER system, account, platform, form, workflow, database, data, network, infrastructure, vendor platform, or non-public area of the Services;

(e) bypass, disable, interfere with, overload, disrupt, probe, scan, test, circumvent, or attempt to defeat any security, authentication, access-control, usage-limitation, rate-limiting, payment, entitlement, or technical-protection measure used by REMVER or its service providers;

(f) impersonate REMVER, any REMVER representative, any customer, any user, or any other person or entity, or misrepresent your identity, affiliation, authority, consent, or relationship with REMVER;

(g) scrape, crawl, index, harvest, extract, collect, monitor, cache, data mine, or use bots, spiders, scripts, crawlers, scrapers, automated tools, or similar technologies to access, copy, collect, train on, or use any REMVER content, data, forms, outputs, pages, materials, or Services without REMVER’s express written permission;

(h) reverse engineer, decompile, disassemble, copy, benchmark, model, test, or analyze the Services, AI-enabled tools, prompts, workflows, templates, systems, materials, or digital products for the purpose of building, training, improving, or supporting a competing product, service, model, framework, tool, or business offering;

(i) remove, obscure, or alter any copyright, trademark, confidentiality, proprietary-rights, attribution, legal, disclaimer, or restricted-use notice included in or displayed with the Services or REMVER materials;

(j) upload, submit, transmit, or request processing of information that you do not have the right to provide, including confidential, regulated, proprietary, personal, third-party, or restricted information, except through an authorized channel and subject to an applicable written agreement;

(k) use the Services in a manner that violates another person’s or organization’s intellectual property, privacy, publicity, confidentiality, contractual, data-protection, consumer-protection, telecommunications, or other legal rights; or

(l) assist, encourage, authorize, or enable any other person or entity to do any of the above.

If you create an account, access gated content, receive login credentials, obtain subscription access, or receive access to any restricted REMVER materials or Services, you are responsible for maintaining the confidentiality of your credentials and for all activity occurring under your account, credentials, links, or access rights. You may not share, transfer, sell, sublicense, publish, or make available your credentials, gated-access links, subscription access, paid-download links, or restricted materials except as expressly permitted in writing by REMVER. You must promptly notify REMVER at Legal@Remver.com if you become aware of or suspect unauthorized access, credential compromise, improper use of the Services, misuse of REMVER materials, or any security incident involving your account, credentials, access links, or use of the Services.

REMVER may suspend, restrict, disable, or terminate access to the Services, gated materials, accounts, subscriptions, downloads, forms, AI-enabled tools, or communications if REMVER reasonably believes that a user has violated these Terms, misused the Services, created legal or security risk, infringed REMVER’s rights, violated applicable law, or used the Services in a manner that may harm REMVER, its customers, its service providers, its systems, or other users.

4. Eligibility, Authority, and Age Restriction

Public availability of REMVER educational, informational, or downloadable content does not mean that the Services are directed to children, minors, or individuals under 18 years of age.

The Services are intended only for individuals who are at least 18 years of age and for business, professional, organizational, educational, or entrepreneurial use. The Services are not directed to children, minors, or individuals under 18 years of age.

By accessing or using the Services, submitting information, downloading resources, making a purchase, creating an account, accessing gated content, scheduling a meeting, opting into SMS/mobile communications, or otherwise engaging with REMVER, you represent and warrant that:

(a) You are at least 18 years of age and have the legal capacity to enter into these Terms;

(b) You are using the Services for lawful business, professional, organizational, educational, entrepreneurial, or permitted personal purposes;

(c) If you use the Services on behalf of a company, organization, employer, client, or other entity, you have the legal authority to act on behalf of that entity and to bind that entity to these Terms and any consents, submissions, purchases, or agreements you provide;

(d) all information, consents, phone numbers, account details, payment information, and submissions you provide to REMVER are accurate, authorized, and provided by you or with proper authority; and

(e) If you opt into SMS/mobile communications, you are the account holder or authorized user of the mobile phone number provided and have the authority to consent to receive messages at that number.

REMVER does not knowingly collect personal information from children under 13 years of age and does not knowingly permit individuals under 18 years of age to purchase Services, create accounts, access gated resources, submit forms, use AI-enabled tools, or opt into SMS/mobile communications. If REMVER learns that information has been submitted by or on behalf of a child under 13 or by an individual under 18 without proper authority, REMVER may delete the information, restrict access, disable the account, cancel the transaction, remove the individual from communications, or take other appropriate steps consistent with applicable law. If you believe a child or minor has submitted information to REMVER, please contact REMVER at Legal@Remver.com.

5. Intellectual Property

All content, materials, frameworks, methodologies, templates, guides, assessments, workbooks, checklists, operating model materials, process maps, playbooks, training materials, scripts, graphics, designs, logos, website content, downloadable resources, digital products, AI prompts, AI-assisted resources, automation-related resources, workflows, documentation, deliverables, and other materials made available by or through REMVER are owned by, licensed to, or otherwise controlled by Remver Holdings, Inc. and are protected by copyright, trademark, trade secret, contract, and other intellectual property and proprietary-rights laws.

The REMVER name, REMVER logo, Remver Consulting name, Remver Holdings, Inc. name, Remver Business Operating System™, RBOS™, Resilience3™, and other REMVER names, marks, slogans, designs, trade dress, product names, service names, and brand elements are trademarks, service marks, trade names, or protected brand assets of Remver Holdings, Inc. You may not use any REMVER trademark, service mark, logo, trade name, product name, service name, slogan, design, or brand element without REMVER’s prior written consent.

Except as expressly stated in a signed written agreement, order form, product-specific terms, subscription terms, or written license issued by REMVER, your purchase, download, access, or use of any REMVER Service, digital product, template, guide, workbook, assessment, AI-assisted resource, automation-related resource, subscription, or deliverable does not transfer ownership of any REMVER intellectual property or proprietary rights to you.

Subject to your compliance with these Terms and any applicable product-specific terms, REMVER grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the REMVER materials made available to you solely for your own internal business, professional, organizational, educational, or permitted personal use, and only for the purpose for which the materials were provided.

You may not copy, reproduce, publish, distribute, transmit, display, resell, sublicense, share, commercialize, modify, adapt, create derivative works from, upload to public repositories, make available to third parties, or otherwise exploit any REMVER content, materials, templates, frameworks, methodologies, prompts, AI-assisted resources, automation-related resources, digital products, subscriptions, or deliverables except as expressly permitted in writing by REMVER.

You may not use REMVER content, materials, templates, frameworks, methodologies, prompts, AI-assisted resources, automation-related resources, digital products, subscriptions, outputs, deliverables, or Services to build, train, fine-tune, benchmark, validate, improve, test, develop, or support any artificial intelligence system, machine learning model, large language model, automation tool, software product, dataset, knowledge base, commercial product, competing service, or derivative offering without REMVER’s express prior written consent.

You may not remove, obscure, alter, or replace any copyright notice, trademark notice, proprietary-rights notice, confidentiality notice, attribution, disclaimer, restricted-use notice, or other legal notice included in or displayed with REMVER materials.

References to third-party organizations, institutions, regulators, laws, rules, standards, frameworks, platforms, software, products, or services are provided for identification, informational, educational, or compatibility purposes only. No endorsement, sponsorship, approval, certification, agency relationship, partnership, authorization, or affiliation by or with any referenced third party is stated or implied. REMVER is not a certification body, regulator, law firm, accounting firm, audit firm, broker-dealer, investment adviser, insurance provider, tax advisor, or authorized agent for any referenced regulator, framework, platform, standard, or third-party organization.

If you submit comments, ideas, suggestions, recommendations, proposed improvements, feedback, or other non-confidential input regarding REMVER’s Services, materials, products, templates, frameworks, AI-enabled tools, automation resources, or business offerings, you grant REMVER a perpetual, irrevocable, worldwide, royalty-free, fully paid, transferable, sublicensable license to use, reproduce, modify, adapt, publish, implement, commercialize, and otherwise exploit that feedback for any lawful business purpose without restriction, attribution, or compensation to you, unless otherwise stated in a signed written agreement. All rights not expressly granted by REMVER are reserved.

6. User Content, Submissions, and Confidential Information

You may submit information, content, documents, messages, responses, questions, files, comments, business information, contact information, and other materials to REMVER through the Services, including through website forms, landing pages, scheduling forms, checkout pages, intake forms, email, SMS/mobile messaging, chat tools, AI-enabled tools, support channels, downloads, assessments, subscriptions, or other communications channels.

Do not submit confidential, regulated, sensitive, proprietary, security-sensitive, personal, financial, health, employment, customer, employee, client, government-issued identification, authentication, credential, payment-card, bank-account, trade-secret, privileged, legally protected, or third-party information through general website forms, general scheduling forms, public pages, chat tools, SMS messages, AI-enabled tools, or other general intake channels unless REMVER specifically requests that information through an authorized channel and the information is submitted under an applicable signed confidentiality agreement, statement of work, master services agreement, data-processing agreement, or other written agreement.

Information submitted under a signed non-disclosure agreement, confidentiality agreement, statement of work, master services agreement, data-processing agreement, or other written agreement is governed by that agreement. Information submitted outside those agreements may be treated as non-confidential and non-proprietary to the fullest extent permitted by law, except for personal information governed by REMVER’s Privacy Policy and any non-waivable rights or obligations under applicable law.

You represent and warrant that you have all rights, permissions, consents, authority, and lawful basis necessary to submit any information, content, documents, files, messages, data, or materials you provide to REMVER, and that your submission does not violate any law, regulation, confidentiality obligation, contractual obligation, employment obligation, fiduciary obligation, intellectual property right, privacy right, data-protection requirement, third-party right, or internal policy applicable to you or the information submitted.

You are solely responsible for reviewing, redacting, anonymizing, de-identifying, or removing confidential, regulated, sensitive, proprietary, personal, client, employee, customer, security-sensitive, or restricted information before submitting materials through any general REMVER channel or AI-enabled tool.

By submitting information to REMVER, you grant REMVER a non-exclusive, worldwide, royalty-free license to access, use, reproduce, process, transmit, store, display, analyze, modify, and create derivative works from the submitted information solely as reasonably necessary to operate the Services, respond to your request, provide resources or support, process transactions, deliver products, administer subscriptions, evaluate inquiries, improve REMVER’s Services, maintain business records, comply with applicable law, enforce these Terms, and perform any applicable agreement with you.

REMVER may reject, remove, delete, restrict, suspend, or decline to process any submission that REMVER reasonably believes may violate these Terms, applicable law, third-party rights, platform requirements, security requirements, confidentiality obligations, privacy obligations, or REMVER’s internal risk, compliance, or operational standards.

Submitting information through REMVER’s website, forms, chat tools, SMS/mobile messaging, AI-enabled tools, downloads, or other general channels does not create an attorney-client relationship, accountant-client relationship, auditor-client relationship, fiduciary relationship, certification relationship, regulator-supervised relationship, or other licensed professional relationship.

Personal information submitted to REMVER is handled as described in REMVER’s Privacy Policy, subject to these Terms and any applicable written agreement.

7. Artificial Intelligence, Automation, and Technology-Enabled Services

REMVER may use artificial intelligence, automation, AI-enabled assistants, chat tools, voice tools, SMS tools, scheduling tools, analytics tools, document-support tools, workflow tools, customer relationship management tools, telecommunications tools, third-party software platforms, and other technology-enabled systems to support operations, communications, content development, analysis, documentation, customer service, lead qualification, scheduling, resource delivery, product support, internal operations, and service delivery.

7.1 Automated System Disclosure

When you interact with any REMVER chat, voice, SMS, scheduling, support, intake, lead-qualification, AI-enabled, or automated tool, you acknowledge that you may be interacting with an automated system rather than a human representative. REMVER may use automated systems to generate, summarize, route, classify, draft, respond to, or support communications and service-related workflows. Where required by applicable law or platform requirements, REMVER will use reasonable efforts to disclose that a user is interacting with an automated system, bot, virtual assistant, AI-enabled tool, or similar technology.

7.2 Response Limitations

AI-generated, AI-assisted, automated, or technology-enabled responses may be delayed, incomplete, inaccurate, unavailable, outdated, inconsistent, non-unique, or unsuitable for your specific facts, jurisdiction, industry, business, risk profile, systems, contracts, controls, regulatory obligations, or operational circumstances. REMVER does not guarantee the timing, availability, accuracy, completeness, originality, legal sufficiency, regulatory sufficiency, audit sufficiency, compliance sufficiency, security sufficiency, technical sufficiency, business suitability, or appropriateness of any AI-generated, AI-assisted, automated, or technology-enabled response, recommendation, output, summary, workflow, document, template, or communication.

7.3 No Substitute for Professional Judgment

AI-assisted communications, summaries, suggestions, outputs, workflows, templates, prompts, digital products, and automated responses are provided for general informational, educational, operational, consulting support, and business support purposes only. They are not legal advice, regulatory advice, tax advice, financial advice, investment advice, audit opinions, medical advice, cybersecurity certification, compliance certification, regulatory determinations, or other licensed professional advice. They are not a substitute for qualified legal counsel, compliance professionals, auditors, tax advisors, financial advisors, technical specialists, cybersecurity professionals, or other licensed or qualified professionals.

Use of REMVER AI-enabled tools, digital products, templates, prompts, or automated outputs does not create a consulting, advisory, managed-service, legal, audit, tax, fiduciary, or other professional engagement unless REMVER expressly agrees in a signed written agreement.

7.4 Human Review Required

You are solely responsible for independently reviewing, validating, testing, verifying, approving, adapting, and determining the appropriateness of any AI-generated, AI-assisted, automated, or technology-enabled output before relying on it, implementing it, submitting it to a regulator, auditor, examiner, client, customer, employer, board, committee, court, government agency, or third party, or using it to make business-critical, legal, regulatory, operational, technical, financial, security, compliance, employment, customer-impacting, or risk-management decisions.

7.5 No Guaranteed Outcomes

Unless expressly stated in a signed written agreement, REMVER does not warrant or represent that any AI-generated, AI-assisted, automated, or technology-enabled output will be accurate, complete, current, error-free, uninterrupted, legally sufficient, compliant with any specific law or regulation, accepted by any regulator, examiner, auditor, customer, court, lender, investor, certification body, or third party, or suitable for any specific business, legal, regulatory, technical, operational, security, financial, audit, resilience, or compliance purpose.

7.6 No Licensed Professional Services Through AI Tools

REMVER does not provide legal advice, regulatory determinations, audit opinions, tax advice, financial advice, investment advice, medical advice, insurance advice, broker-dealer services, certification services, attestation services, or other licensed professional services through AI-enabled tools, templates, prompts, communications, digital products, automated workflows, or technology-enabled systems. Matters requiring licensed professional judgment should be reviewed by qualified counsel or other appropriately licensed or qualified professionals.

7.7 Third-Party Technology and Availability

REMVER’s AI-enabled, automated, and technology-enabled Services may rely on third-party platforms, software, telecommunications providers, AI providers, hosting providers, analytics tools, payment processors, scheduling tools, automation platforms, or other service providers. REMVER does not control all third-party systems and does not guarantee that third-party tools will be uninterrupted, error-free, secure, compatible, available, or suitable for your intended use. Third-party outages, changes, limitations, model updates, platform restrictions, carrier filtering, or service-provider actions may affect the availability, timing, content, quality, or delivery of REMVER communications, resources, workflows, or outputs.

7.8 Data and Confidentiality Limitations

You should not submit confidential, regulated, sensitive, privileged, security-sensitive, proprietary, personal, customer, employee, client, payment-card, credential, bank-account, health, government-identification, or restricted information through REMVER AI-enabled tools, chat tools, SMS messages, public forms, general intake channels, or automated systems unless REMVER specifically requests that information through an authorized channel and the information is submitted under an applicable signed written agreement. Personal information is handled as described in REMVER’s Privacy Policy, subject to these Terms and any applicable written agreement.

7.9 User Restrictions

You may not use REMVER’s AI-enabled resources, digital products, templates, prompts, outputs, workflows, deliverables, communications, or Services to create, facilitate, automate, support, or distribute unlawful, deceptive, discriminatory, harmful, infringing, defamatory, malicious, abusive, exploitative, unauthorized, or unsafe content, decisions, systems, or activity, including malware, phishing, spam, credential harvesting, unauthorized surveillance, unauthorized data scraping, evasion of security controls, impersonation, deepfake deception, regulated decisions without required human review, or violation of any law, regulation, contract, platform rule, third-party right, or applicable professional obligation.

7.10 No High-Risk or Sole-Reliance Use

Unless expressly agreed in a signed written agreement, REMVER’s AI-enabled tools, digital products, templates, prompts, automated workflows, and technology-enabled resources are not designed to be used as the sole basis for emergency response, life-safety decisions, legal filings, regulatory submissions, audit conclusions, employment decisions, credit decisions, lending decisions, insurance decisions, healthcare decisions, cybersecurity incident determinations, material financial decisions, or other high-risk decisions that legally or operationally require human review, professional judgment, formal validation, or organization-specific approval.

7.11 Outputs May Not Be Unique

AI-generated or AI-assisted outputs may be similar or identical to outputs generated for other users or organizations. REMVER does not guarantee that AI-generated or AI-assisted outputs will be unique, proprietary to you, protectable as intellectual property, or free from third-party claims unless expressly stated in a signed written agreement.

7.12 Liability Disclaimer for AI-Generated Content

To the fullest extent permitted by law, REMVER disclaims liability arising from your access to, use of, reliance on, implementation of, modification of, or failure to review any AI-generated, AI-assisted, automated, or technology-enabled response, recommendation, output, document, template, summary, workflow, or communication, except where liability cannot be excluded or limited under applicable law.

8. No Legal, Tax, Audit, Financial, or Licensed Professional Advice

The Services, materials, resources, templates, frameworks, assessments, digital products, AI-assisted resources, automation-related resources, communications, and deliverables provided by REMVER are for general informational, educational, operational, consulting-support, compliance-readiness, resilience-readiness, and business-support purposes only, unless a signed written agreement expressly states otherwise.

REMVER may provide consulting, advisory, operational, governance, risk-management, compliance-readiness, resilience, technology, data, artificial intelligence, automation, and business-support services. However, REMVER does not provide legal advice, tax advice, accounting advice, financial advice, investment advice, insurance advice, medical advice, audit opinions, attestation services, certification services, regulatory determinations, examiner determinations, broker-dealer services, investment-adviser services, or other services requiring a professional license unless expressly stated in a signed written agreement and provided by appropriately licensed professionals.

REMVER may reference laws, regulations, rules, regulatory guidance, industry standards, control frameworks, supervisory expectations, third-party frameworks, and business practices for informational, educational, operational, consulting-support, and readiness purposes. Those references do not constitute legal interpretation, legal advice, regulatory advice, audit advice, certification advice, or a determination that any specific law, regulation, rule, standard, framework, or requirement applies to you or has been satisfied.

You remain solely responsible for determining whether REMVER materials, recommendations, templates, outputs, deliverables, or Services are appropriate for your organization, industry, jurisdiction, contracts, controls, risk profile, systems, regulatory obligations, and operational circumstances. Before making legal, regulatory, tax, accounting, audit, financial, investment, insurance, technical, cybersecurity, employment, customer-impacting, operational, resilience, compliance, or business-critical decisions based on REMVER content, Services, materials, outputs, or deliverables, you should consult appropriate qualified professionals.

REMVER does not guarantee legal compliance, regulatory compliance, audit readiness, examination readiness, certification, accreditation, examiner approval, auditor acceptance, investor approval, lender approval, customer acceptance, revenue, funding, profitability, business performance, operational performance, risk reduction, loss avoidance, control effectiveness, security outcomes, resilience outcomes, recovery outcomes, or any specific legal, regulatory, financial, technical, operational, business, compliance, audit, or resilience result.

9. Disclaimers

THE SERVICES, WEBSITE, ONLINE PAGES, FORMS, DIGITAL PRODUCTS, DOWNLOADABLE MATERIALS, TEMPLATES, GUIDES, ASSESSMENTS, WORKBOOKS, SUBSCRIPTIONS, AI-ENABLED RESOURCES, AUTOMATION-RELATED RESOURCES, COMMUNICATIONS, AND OTHER MATERIALS MADE AVAILABLE BY OR THROUGH REMVER ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, EXCEPT AS EXPRESSLY STATED IN A SIGNED WRITTEN AGREEMENT, ORDER FORM, STATEMENT OF WORK, SUBSCRIPTION TERMS, PRODUCT-SPECIFIC TERMS, OR OTHER WRITTEN AGREEMENT APPLICABLE TO THE SPECIFIC SERVICE.

TO THE FULLEST EXTENT PERMITTED BY LAW, REMVER DISCLAIMS ALL WARRANTIES, REPRESENTATIONS, AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, AVAILABILITY, TIMELINESS, RELIABILITY, SECURITY, COMPATIBILITY, PERFORMANCE, RESULTS, AND COURSE OF DEALING OR USAGE OF TRADE.

REMVER makes reasonable efforts to provide useful, relevant, and current content. However, laws, regulations, regulatory guidance, supervisory expectations, industry standards, platform requirements, carrier requirements, third-party technologies, business practices, market conditions, and organizational circumstances may change. REMVER does not warrant that any content, material, template, guide, assessment, workbook, AI-assisted output, automation-related resource, communication, recommendation, or deliverable will remain accurate, complete, current, applicable, or suitable after publication, delivery, download, purchase, or use.

REMVER does not warrant or represent that the Services, website, forms, downloads, digital products, subscriptions, AI-enabled tools, automation-related resources, communications, or third-party platforms will be uninterrupted, error-free, secure, virus-free, free of harmful components, continuously available, compatible with your systems, or free from delays, defects, outages, access restrictions, carrier filtering, platform changes, or third-party service-provider limitations.

REMVER does not warrant or represent that any Services, materials, templates, frameworks, assessments, AI-assisted outputs, automation-related resources, communications, recommendations, or deliverables will satisfy any specific law, regulation, rule, standard, framework, contract, control requirement, audit requirement, regulatory expectation, examiner expectation, customer requirement, investor requirement, lender requirement, certification requirement, or business objective.

You are responsible for evaluating, validating, testing, approving, implementing, maintaining, monitoring, and updating any materials, outputs, recommendations, workflows, controls, documents, or decisions you use or make based on the Services. Nothing in these Terms disclaims, excludes, or limits any warranty, right, remedy, or liability that cannot be disclaimed, excluded, or limited under applicable law. Some jurisdictions do not allow the exclusion of certain warranties or limitations, so some of the above disclaimers may not apply to you.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, REMVER HOLDINGS, INC., D/B/A REMVER CONSULTING, AND ITS OFFICERS, DIRECTORS, OWNERS, EMPLOYEES, CONTRACTORS, CONSULTANTS, REPRESENTATIVES, AGENTS, AFFILIATES, RELATED COMPANIES, LICENSORS, SUPPLIERS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, ENHANCED, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, LOSS OF REVENUE, LOSS OF BUSINESS OPPORTUNITY, LOSS OF DATA, LOSS OF GOODWILL, LOSS OF USE, BUSINESS INTERRUPTION, SYSTEM INTERRUPTION, COST OF SUBSTITUTE SERVICES, COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, REGULATORY PENALTIES, AUDIT FINDINGS, EXAMINATION FINDINGS, COMPLIANCE FAILURES, SECURITY INCIDENTS, RESILIENCE FAILURES, RECOVERY FAILURES, THIRD-PARTY CLAIMS, OR OTHER SIMILAR DAMAGES, ARISING OUT OF OR RELATED TO THE SERVICES, THESE TERMS, ANY WEBSITE USE, DIGITAL PRODUCT, DOWNLOADABLE RESOURCE, TEMPLATE, GUIDE, ASSESSMENT, SUBSCRIPTION, AI-ENABLED RESOURCE, AUTOMATION-RELATED RESOURCE, COMMUNICATION, SMS/MOBILE MESSAGE, THIRD-PARTY PLATFORM, OR YOUR USE OF OR INABILITY TO USE ANY OF THE FOREGOING, EVEN IF REMVER HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, REMVER’S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICES, THESE TERMS, ANY WEBSITE USE, DIGITAL PRODUCT, DOWNLOADABLE RESOURCE, TEMPLATE, GUIDE, ASSESSMENT, SUBSCRIPTION, AI-ENABLED RESOURCE, AUTOMATION-RELATED RESOURCE, COMMUNICATION, SMS/MOBILE MESSAGE, THIRD-PARTY PLATFORM, OR YOUR USE OF OR INABILITY TO USE ANY OF THE FOREGOING SHALL NOT EXCEED THE GREATER OF: (A) ONE HUNDRED U.S. DOLLARS ($100.00); OR (B) THE AMOUNT YOU ACTUALLY PAID TO REMVER FOR THE SPECIFIC SERVICE, PRODUCT, SUBSCRIPTION, RESOURCE, OR ENGAGEMENT GIVING RISE TO THE CLAIM DURING THE SIX (6) CALENDAR MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

The limitations in this Section apply to all claims and theories of liability, whether based on contract, tort, negligence, strict liability, warranty, statute, misrepresentation, professional liability, equity, or any other legal or equitable theory, and whether the claim arises from or relates to access, use, reliance, implementation, non-availability, errors, omissions, delays, security issues, third-party services, AI-generated outputs, automated responses, or other service-related matters. The limitations in this Section are an essential basis of the bargain between you and REMVER and apply even if any limited remedy fails of its essential purpose.

Nothing in these Terms excludes, limits, or restricts liability that cannot be excluded, limited, or restricted under applicable law, including liability for fraud, intentional misconduct, willful misconduct, gross negligence where not waivable, or violations of non-waivable statutory rights. Some jurisdictions do not allow the exclusion or limitation of certain damages or liabilities, so some of the above limitations may not apply to you.

For Services governed by a signed Statement of Work, Master Services Agreement, order form, subscription agreement, product-specific terms, or other written agreement, the liability provisions in that signed agreement will control to the extent they directly conflict with this Section, but only for the specific Service, product, subscription, or engagement governed by that written agreement.

11. Indemnification

To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Remver Holdings, Inc. d/b/a Remver Consulting and its officers, directors, owners, employees, contractors, consultants, representatives, agents, affiliates, related companies, licensors, suppliers, service providers, successors, and assigns from and against any and all claims, demands, actions, proceedings, investigations, liabilities, damages, losses, judgments, settlements, penalties, fines, costs, and expenses, including reasonable attorneys’ fees and legal costs, arising out of or related to:

(a) your access to or use of the Services;

(b) your violation of these Terms or any applicable written agreement, product-specific terms, subscription terms, order form, or acceptable-use requirement;

(c) your violation of any applicable law, regulation, rule, court order, contractual obligation, confidentiality obligation, privacy obligation, data-protection requirement, telecommunications requirement, platform requirement, or third-party right;

(d) your submitted information, content, documents, files, data, messages, materials, instructions, prompts, feedback, or other submissions to REMVER;

(e) your unauthorized submission, disclosure, processing, or use of confidential, regulated, sensitive, proprietary, personal, customer, employee, client, financial, payment-card, credential, health, security-sensitive, privileged, legally protected, or third-party information;

(f) your misuse of REMVER content, materials, templates, frameworks, methodologies, digital products, subscriptions, AI-enabled resources, automation-related resources, prompts, outputs, deliverables, communications, or Services;

(g) your use of REMVER materials, outputs, recommendations, templates, prompts, or AI-assisted resources with any client, customer, employer, regulator, auditor, examiner, third party, or governmental authority;

(h) your failure to review, validate, test, approve, adapt, maintain, or update any materials, outputs, recommendations, workflows, documents, controls, processes, or decisions before relying on or implementing them;

(i) your infringement, misappropriation, or violation of any intellectual property, privacy, publicity, confidentiality, contractual, employment, data-protection, consumer-protection, telecommunications, or other rights of any person or entity;

(j) your fraud, misrepresentation, negligence, willful misconduct, unauthorized access, credential sharing, security violation, unlawful activity, or misuse of any REMVER or third-party system, platform, account, form, workflow, or technology-enabled tool; or

(k) your use of the Services to create, facilitate, automate, support, or distribute unlawful, deceptive, discriminatory, harmful, infringing, defamatory, malicious, abusive, exploitative, unauthorized, or unsafe content, systems, decisions, communications, or activities.

REMVER reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. If REMVER assumes the defense of such matter, you agree to cooperate with REMVER’s defense and settlement of the claim. You may not settle any claim that imposes any liability, obligation, admission, restriction, or expense on REMVER, or that affects REMVER’s rights, reputation, operations, intellectual property, systems, service providers, or customers, without REMVER’s prior written consent.

This Section does not require you to indemnify REMVER for claims to the extent finally determined by a court or arbitrator of competent jurisdiction to have resulted from REMVER’s fraud, intentional misconduct, willful misconduct, or gross negligence where such liability cannot be waived or shifted under applicable law.

12. Third-Party Platforms, Services, and Links

For Services governed by a signed Statement of Work, Master Services Agreement, order form, subscription agreement, product-specific terms, or other written agreement, the indemnification provisions in that signed agreement will control to the extent they directly conflict with this Section, but only for the specific Service, product, subscription, or engagement governed by that written agreement.

The Services may use, integrate with, rely on, reference, or link to third-party websites, platforms, applications, software, artificial intelligence tools, automation systems, communication tools, SMS/mobile messaging providers, telecommunications carriers, payment processors, scheduling tools, hosting providers, analytics tools, customer relationship management tools, email providers, cloud-service providers, document-delivery tools, security tools, professional service providers, contractors, subcontractors, vendors, or other third-party products or services.

Third-party services are not owned or controlled by REMVER unless expressly stated otherwise. Your access to or use of third-party services may be governed by separate terms, conditions, privacy policies, data-processing terms, acceptable-use policies, platform rules, fees, technical limitations, and other requirements imposed by the applicable third party. You are responsible for reviewing and complying with any third-party terms that apply to your use of those services.

Third-party links, references, integrations, tools, platforms, logos, names, or resources are provided for convenience, informational, operational, compatibility, payment, scheduling, communication, delivery, or service-support purposes only. Unless expressly stated in writing by REMVER, such references do not constitute or imply REMVER’s endorsement, sponsorship, approval, certification, partnership, agency relationship, affiliation, or recommendation of any third party.

REMVER does not control and is not responsible for third-party content, websites, materials, policies, practices, security, privacy practices, data handling, uptime, availability, accuracy, completeness, performance, compatibility, delivery, carrier filtering, payment processing, transaction approval, refunds processed by third-party platforms, account restrictions, service changes, outages, delays, errors, defects, interruptions, access limitations, model changes, platform changes, or other acts or omissions of third parties.

REMVER may change, suspend, replace, discontinue, or modify its use of any third-party platform, provider, integration, tool, link, or service at any time, subject to any express obligations in an applicable signed written agreement. To the fullest extent permitted by law, REMVER is not liable for losses, damages, delays, failures, claims, charges, fees, interruptions, errors, data loss, unauthorized access, service limitations, or other issues arising from or related to third-party websites, platforms, tools, providers, integrations, carriers, payment processors, AI providers, hosting providers, software vendors, or other third-party services, except where liability cannot be excluded or limited under applicable law or where a signed written agreement expressly states otherwise.

13. SMS and Mobile Messaging Terms

This Section applies to REMVER text message communications. REMVER’s SMS and Mobile Messaging Terms are included in this Section and are part of these Terms and Conditions, which are available at https://www.remver.com/terms-and-conditions/. These SMS and Mobile Messaging Terms apply in addition to REMVER’s Privacy Policy and any other applicable terms, consent language, form disclosures, or written agreements. In the event of a conflict between this Section and REMVER’s Privacy Policy regarding SMS/mobile communications, the Privacy Policy will control for privacy-specific issues, except where applicable law provides otherwise.

13.1 SMS Program Description and Messaging Program Scope

REMVER’s SMS/mobile messaging program is currently intended only for recipients located in the United States and for U.S. mobile numbers. If REMVER offers SMS/mobile messaging to recipients outside the United States in the future, REMVER will comply with applicable country-specific consent, sender identification, unsubscribe, privacy, data transfer, and telecommunications requirements before sending such messages.

Remver Holdings, Inc. d/b/a Remver Consulting operates SMS/mobile messaging programs that allow REMVER to communicate with customers, subscribers, prospective clients, users, and other individuals who have provided the required consent for the applicable message type. REMVER will send SMS/mobile messages only through messaging programs and campaign use cases that are registered, approved, or otherwise permitted as required by applicable law, carrier requirements, platform rules, and The Campaign Registry requirements where applicable. REMVER will not knowingly send messages in categories or for purposes not covered by any required registration, approval, consent, or messaging-program authorization.

REMVER maintains separate consent paths for marketing SMS messages and non-marketing SMS messages. Consent to receive one type of SMS communication does not constitute consent to receive the other. REMVER does not knowingly send SMS/mobile messages to individuals who have not provided the required consent for the applicable message type. REMVER does not use purchased, rented, scraped, harvested, appended, or shared contact lists for SMS/mobile messaging.

Non-Marketing SMS Messages

Non-marketing SMS/mobile messages may include, where applicable and permitted under applicable carrier, platform, and messaging-program requirements: appointment reminders; meeting confirmations; consultation follow-ups; requested resource notifications; download confirmations; product-delivery notifications; purchase notices; subscription notices; billing notices; account notices; service notifications; support responses; and other messages directly related to an inquiry, appointment, transaction, product, account, subscription, or service relationship with REMVER.

Marketing SMS Messages

Marketing SMS/mobile messages may include, where applicable and permitted under applicable carrier, platform, and messaging-program requirements: promotional offers; discounts; product updates; service updates; educational resources; event notices; announcements; and other marketing communications about REMVER services, products, resources, subscriptions, offers, and events. Marketing SMS/mobile messages will be sent only where REMVER has obtained the express written consent required by the TCPA, CTIA guidelines, carrier requirements, platform rules, and applicable messaging program terms.

13.2 Consent to Receive SMS Messages

Where REMVER collects SMS/mobile messaging consent online, SMS consent must be requested through clear and conspicuous language presented before submission. SMS consent choices must be: separate from any phone-number field; separate from general acceptance of these Terms; separate from REMVER’s Privacy Policy; and separate for marketing and non-marketing messages. SMS consent boxes must not be pre-selected. Providing SMS consent must remain optional and must not be required as a condition of purchasing any REMVER product or service, accessing any free resource, scheduling a meeting, submitting a general inquiry, or engaging REMVER for professional services.

By opting into REMVER SMS/mobile messages, you represent and warrant that you are at least 18 years of age, that you are the account holder or authorized user of the mobile phone number provided, that the number you provide is accurate, that you are authorized to consent to receive messages at that number, and that you will promptly notify REMVER if the number is reassigned, transferred, deactivated, or no longer belongs to you. You consent to receive SMS/mobile messages from REMVER at the mobile number you provide for the selected message type. Messages may be sent using automated technology, including an autodialer, automated messaging platform, or other technology-enabled system, where permitted by applicable law. Consent to receive SMS/mobile messages is voluntary and is not a condition of purchasing any REMVER product or service, accessing any free resource, scheduling a meeting, submitting a general inquiry, or engaging REMVER for professional services.

13.3 Opt-In Consent Language (Required Form Disclosures)

The following sample consent language must appear adjacent to any unchecked SMS/mobile consent checkbox on REMVER online forms, landing pages, checkout pages, and scheduling pages, or in another clear and conspicuous location immediately before submission:

Marketing SMS Consent (Sample Language)

I consent to receive marketing text messages from Remver Holdings, Inc. d/b/a Remver Consulting at the phone number provided, including messages sent using automated technology, about promotional offers, discounts, product updates, service updates, educational resources, event notices, announcements, and other marketing communications. Message frequency may vary. Msg & data rates may apply. Reply HELP for help. Reply STOP to opt out. Consent is not a condition of purchase, access to any free resource, scheduling a meeting, submitting a general inquiry, or engaging REMVER for professional services. See our Terms and Conditions, including the SMS and Mobile Messaging Terms, at https://www.remver.com/terms-and-conditions/ and our Privacy Policy at https://www.remver.com/privacy-policy/ .

Non-Marketing SMS Consent (Sample Language)

I consent to receive non-marketing text messages from Remver Holdings, Inc. d/b/a Remver Consulting at the phone number provided, including appointment reminders, meeting confirmations, consultation follow-ups, requested resource notifications, download confirmations, product-delivery notifications, purchase updates, account updates, subscription notices, billing notices, service notifications, and customer support communications. Message frequency may vary. Msg & data rates may apply. Reply HELP for help. Reply STOP to opt out. Consent is not a condition of purchase, accessing any free resource, scheduling a meeting, submitting a general inquiry, or engaging REMVER for services. See our Terms and Conditions, including the SMS and Mobile Messaging Terms, at https://www.remver.com/terms-and-conditions/ and our Privacy Policy at https://www.remver.com/privacy-policy/.

REMVER’s online forms that collect SMS/mobile messaging consent must provide clear, visible, and publicly accessible links to these Terms and Conditions and REMVER’s Privacy Policy before submission, including immediately adjacent to the SMS consent language or in another clear and conspicuous location before the user submits the form.

13.4 Opt-In Confirmation Message

Upon receiving a valid opt-in for any REMVER SMS/mobile messaging program — whether through a web form checkbox, keyword reply, or other authorized opt-in method — REMVER will send an opt-in confirmation message to the mobile telephone number provided. This confirmation message will include, at minimum: (1) the REMVER program name and company identification (Remver / Remver Holdings, Inc.); (2) confirmation that enrollment was successful; (3) a brief description of message types to be received; (4) the message frequency (such as “Message frequency varies”); (5) the statement “Msg & data rates may apply”; (6) instructions to reply STOP to opt out and HELP for help; and (7) a reference to REMVER’s Terms and Conditions, including SMS and Mobile Messaging Terms, at https://www.remver.com/terms-and-conditions/.

Example opt-in confirmation message (marketing program): “REMVER: You’re enrolled in REMVER Marketing Msgs. Msg & data rates may apply. Msg freq varies. Reply STOP to opt out; reply HELP for help. Terms: https://www.remver.com/terms-and-conditions/”

Example opt-in confirmation message (non-marketing/transactional): “REMVER: You’re enrolled for appointment & account updates from REMVER. Msg & data rates may apply. Msg freq varies. Reply STOP to opt out; reply HELP for help. Terms: https://www.remver.com/terms-and-conditions/”

If an opt-in confirmation message cannot be delivered due to a technical failure, network error, or carrier-side issue, REMVER will record the delivery attempt and may retry delivery.

13.5 Keyword-Initiated (Mobile-Originated) Opt-In

Where REMVER offers a keyword-initiated opt-in program, you may initiate enrollment by texting a designated keyword (such as JOIN, START, YES, or a program-specific keyword) to a REMVER short code, long code, or toll-free number. Texting a keyword to opt in constitutes your express written consent to receive SMS/mobile communications from that REMVER messaging program. REMVER does not initiate enrollment in any REMVER SMS/mobile messaging program based solely on a subscriber texting HELP, STOP, or any other reserved industry opt-out or support keyword.

13.6 Double Opt-In (Program-Specific)

For certain REMVER SMS/mobile marketing programs, REMVER may use a double opt-in process in which an initial enrollment request is followed by a reply-confirmation step before marketing messages are sent. Where double opt-in is used, REMVER will: (a) send a confirmation request message to the number provided; (b) require the subscriber to reply with a specific affirmative keyword (such as YES or CONFIRM) to complete enrollment; and (c) begin sending program messages only after affirmative confirmation is received. Use of double opt-in is at REMVER’s discretion and may be applied on a program-by-program or campaign-by-campaign basis.

13.7 Message Frequency

SMS message frequency varies. The number of messages you receive depends on your level of engagement with REMVER, including whether you have active inquiries, scheduled appointments, requested resources, open purchases, active subscriptions, billing activity, support requests, account activity, or active marketing preferences. Transactional, account-related, support-related, and service-related messages are generally sent in response to specific events. Marketing messages may be sent periodically based on REMVER campaigns, announcements, resources, offers, and events.

REMVER will schedule marketing SMS/mobile messages in accordance with applicable quiet-hour requirements, carrier requirements, platform rules, and messaging-program requirements. Where recipient local time is reasonably available, REMVER will use reasonable efforts not to send marketing SMS/mobile messages before 9:00 a.m. or after 9:00 p.m. in the recipient’s local time zone, unless the message is legally permitted, specifically requested, or otherwise allowed by applicable law, carrier requirements, platform rules, or the applicable messaging program.

13.8 Message and Data Rates

Message and data rates may apply to SMS/mobile messages sent by REMVER to you and to SMS/mobile messages you send to REMVER. These charges are determined by your mobile carrier and your individual wireless plan. REMVER does not charge carrier messaging fees or receive any portion of carrier messaging charges. If you have questions about your text or data plan, contact your wireless provider.

13.9 Sample Messages

Sample Non-Marketing Messages

Appointment reminder: “REMVER Reminder: Your consultation with REMVER is scheduled for [Date] at [Time]. Reply STOP to opt out; reply HELP for help. Msg & data rates may apply.”

Download confirmation: “REMVER: Your requested resource is ready! Download it here: [link]. Reply STOP to opt out; reply HELP for help. Msg & data rates may apply.”

Billing notice: REMVER: Your subscription payment of $[amount] was processed on [date]. Questions? Contact Accounting@Remver.com. Reply STOP to opt out; reply HELP for help. Msg & data rates may apply.

Sample Marketing Messages

Promotional offer: “REMVER: Exclusive offer for subscribers — [brief description]. Details: [link]. Reply STOP to opt out; reply HELP for help. Msg & data rates may apply.”

Event notice: “REMVER: [Event Name] is coming up on [date]. Reserve your spot: [link]. Reply STOP to opt out; reply HELP for help. Msg & data rates may apply.”

13.10 Opt-Out Instructions and Consent Revocation

Keyword Opt-Out — Immediate

You may opt out of REMVER SMS/mobile messages at any time. To opt out by text, reply STOP to any REMVER SMS/mobile message. REMVER will also honor other reasonable consent-revocation requests, including reply messages using STOP, QUIT, END, REVOKE, OPT OUT, CANCEL, UNSUBSCRIBE, or any other words or statements that a reasonable person would understand as a request to stop SMS/mobile communications. When you reply with a STOP keyword or equivalent phrase via text message reply, REMVER’s messaging platform will process your opt-out request automatically and immediately — typically within seconds of receipt. No further SMS/mobile messages requiring consent will be sent after that automated opt-out is confirmed, except as permitted by the single opt-out confirmation message described below.

Manual Opt-Out Requests — Up to 10 Business Days

You may also request removal from SMS/mobile communications by contacting REMVER at Legal@Remver.com or calling 1-940-573-6837 or 1-866-573-6837. For opt-out requests submitted through channels other than a text message reply (including email, telephone, or written request), REMVER will honor the request within a reasonable period of time not to exceed ten (10) business days after receipt, or sooner where required by applicable law. REMVER will use reasonable efforts to process all manual opt-out requests as promptly as practicable.

Opt-Out Confirmation Message

After receiving an opt-out request, REMVER may send one non-marketing confirmation message confirming that the recipient has been unsubscribed. That confirmation message will not contain marketing or promotional content. Where applicable law permits, the confirmation message may request clarification about whether the opt-out applies to all REMVER SMS/mobile message categories or only certain categories.

Ambiguous Opt-Out Requests

If an opt-out or revocation request does not clearly identify a specific SMS category, REMVER will treat the request as applying to all REMVER SMS/mobile communications that require consent, unless applicable law permits otherwise or the recipient later provides a new valid opt-in for a specific SMS program.

13.11 HELP Instructions

If you need assistance with REMVER SMS/mobile communications, reply HELP to any REMVER SMS/mobile message. You may also contact REMVER directly at Legal@Remver.com, 1-940-573-6837, or 1-866-573-6837 for SMS support, questions about your opt-in status, message frequency, or opt-out requests. REMVER’s HELP response message will include, at minimum, the program name, a brief description, and contact information for support.

13.12 Carrier Liability Disclaimer

Carriers are not liable for delayed or undelivered messages. SMS/mobile message delivery may depend on your mobile carrier, network availability, device compatibility, service area, filtering, carrier policies, platform rules, or other conditions outside REMVER’s control. REMVER is not responsible for delayed, failed, blocked, filtered, misdirected, or undelivered messages caused by carrier, network, platform, device, or service-provider issues.

13.13 SMS Eligibility and Age Restriction

REMVER SMS/mobile messaging programs are available only to individuals who are 18 years of age or older, are located in the United States, and are the account holder or authorized user of the mobile phone number provided. REMVER SMS/mobile communications are intended for business professionals, organizations, customers, subscribers, prospective clients, and users and are not directed to minors. REMVER presents an age-declaration confirmation at the point of SMS opt-in, confirming that the subscriber is 18 years of age or older.

13.14 Prohibited SMS Content

REMVER’s SMS/mobile messaging programs will not be used to send content that is prohibited by CTIA guidelines, applicable carrier terms, platform rules, or applicable law. Prohibited content categories include, but are not limited to: content related to illegal activities; content that facilitates or promotes drug use, hate speech, harassment, or violence; sexually explicit or adult content; and other content that violates applicable law, CTIA guidelines, or carrier acceptable-use policies, including the content categories commonly referred to as SHAFT (Sex, Hate, Alcohol, Firearms, and Tobacco) where those restrictions apply to the applicable messaging program. REMVER’s SMS/mobile messaging programs are not intended to include, and will not be used to send, CTIA-prohibited, carrier-prohibited, or legally prohibited content categories.

‍

13.15 SMS Privacy and Mobile Information

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be sold, rented, shared, or disclosed to third parties or affiliates for their marketing or promotional purposes.

REMVER collects and uses SMS/mobile messaging-related information to operate its messaging programs, maintain consent records, send messages you have requested or consented to receive, respond to HELP requests, process STOP and other opt-out requests, maintain suppression records, support account, transaction, subscription, and service communications, and support compliance with legal, carrier, platform, security, and operational requirements. Information sharing with subcontractors and service providers that support REMVER’s SMS/mobile messaging program is permitted only as reasonably necessary for those service providers to perform services for REMVER or as required by law. SMS opt-out suppression records may be retained indefinitely where permitted by applicable law, as reasonably necessary to prevent unauthorized, inadvertent, or accidental re-enrollment.

REMVER does not use SMS opt-in consent data, text messaging originator opt-in data, or mobile information for targeted advertising, retargeting, third-party advertising audiences, social media custom audiences, lookalike audiences, advertising pixels, or third-party AI model training. For more information about REMVER’s privacy practices, please review REMVER’s Privacy Policy at https://www.remver.com/privacy-policy/.

REMVER may maintain SMS/mobile messaging consent records, opt-in records, opt-out records, HELP and STOP request records, delivery records, suppression records, message logs, campaign records, registration records, consent language presented, source page or form, date and time of opt-in, phone number, consent category, double opt-in confirmation status where applicable, and related compliance records for as long as reasonably necessary to demonstrate consent, honor opt-outs, maintain suppression lists, comply with legal, carrier, platform, contractual, and compliance requirements, resolve disputes, prevent unauthorized or inadvertent re-enrollment, and preserve legal rights.

13.16 Rejoining After Opt-Out

If you opt out and later want to receive REMVER SMS/mobile messages again, you may rejoin by opting in through the same or another authorized REMVER opt-in method. REMVER will resume SMS/mobile messages only after receiving the required consent for the applicable SMS program.

13.17 Changes to SMS Terms

14. Email Marketing Communications

REMVER may update these SMS and Mobile Messaging Terms to reflect changes in messaging practices, carrier requirements, platform requirements, technology, service providers, or applicable law. REMVER will maintain the current version of these SMS and Mobile Messaging Terms as part of the Terms and Conditions available at https://www.remver.com/terms-and-conditions/. If you do not agree with the updated SMS terms, you may opt out at any time by replying STOP to any REMVER SMS/mobile message or by using another reasonable opt-out method described in this Section.

REMVER may send marketing emails about REMVER resources, products, services, events, updates, and related business communications where permitted by applicable law. REMVER marketing emails will identify REMVER as the sender, avoid materially misleading header information or subject lines, include a valid physical postal address, and provide a clear and conspicuous unsubscribe mechanism. REMVER will maintain any required email opt-out mechanism for at least thirty (30) days after a marketing email is sent and will honor email marketing opt-out requests within ten (10) business days of receipt. REMVER will not charge a fee, require personal information beyond an email address, or require any step other than sending a reply email or visiting a single webpage to process an email marketing opt-out request.

15. Privacy Policy

REMVER’s Privacy Policy explains how REMVER collects, uses, discloses, retains, and protects personal information in connection with the Services, including REMVER websites, landing pages, online forms, downloadable resources, digital products, subscriptions, email communications, SMS/mobile communications, AI-enabled tools, consulting support, purchasing activities, and other Services that link to or reference the Privacy Policy.

By accessing or using the Services, submitting information, downloading resources, making a purchase, enrolling in a subscription, scheduling a meeting, opting into communications, interacting with AI-enabled tools, or otherwise engaging with REMVER, you acknowledge that REMVER may collect, use, disclose, retain, and protect personal information as described in REMVER’s Privacy Policy, subject to these Terms, applicable law, any applicable point-of-collection notice, and any signed written agreement that applies to the specific engagement.

REMVER’s Privacy Policy is available at https://www.remver.com/privacy-policy/. If you have questions about privacy or wish to submit a privacy-related request, contact REMVER at Legal@Remver.com or use another method described in the Privacy Policy.

16. Changes to These Terms

REMVER’s Privacy Policy and Legal Policies page also describes applicable privacy choices, state privacy rights, retention practices, SMS/mobile information restrictions, sensitive data handling, targeted advertising opt-out rights where applicable, and available methods for submitting privacy requests. To the extent a privacy-specific issue is addressed in REMVER’s Privacy Policy or Legal Policies and directly conflicts with these Terms, the Privacy Policy or applicable Legal Policy will control for that privacy-specific issue, except where applicable law or a signed written agreement provides otherwise.

REMVER may update, modify, supplement, or replace these Terms from time to time to reflect changes in REMVER’s Services, products, subscriptions, digital resources, AI-enabled tools, SMS/mobile messaging practices, technology, vendors, business operations, legal obligations, regulatory requirements, platform requirements, carrier requirements, security practices, or other operational needs.

When REMVER updates these Terms, REMVER will update the effective date or “last updated” date and post the revised Terms on REMVER’s website or another location where the Terms are made available. REMVER may also provide additional notice of material changes by email, website notice, account notice, checkout notice, subscription portal notice, SMS notice, where legally permitted and consented to, or another reasonable method.

If a change requires separate consent, affirmative acceptance, opt-in, opt-out opportunity, cancellation right, renewal notice, fee-change notice, material-change notice, privacy notice, SMS notice, or another specific action under applicable law, REMVER will provide the required notice, choice, consent mechanism, or cancellation opportunity before applying the change where legally required.

Unless a separate effective date is stated, updated Terms apply prospectively to Services accessed, used, purchased, renewed, requested, or continued after the updated Terms are posted or otherwise made available. The version of the Terms in effect at the time of a purchase, subscription enrollment, transaction, engagement, or other interaction may continue to apply to that transaction or engagement unless applicable law, a later notice, product-specific terms, subscription terms, or a signed written agreement provides otherwise.

Your continued access to or use of the Services after updated Terms become effective may constitute acceptance of the updated Terms, except where separate consent, affirmative acceptance, opt-in, opt-out opportunity, cancellation right, or another legal requirement applies.

For material changes affecting active subscriptions, recurring billing arrangements, payment plans, SMS/mobile messaging programs, dispute-resolution terms, cancellation rights, refund rights, privacy-related terms, or other material rights or obligations, REMVER will provide notice, consent, opt-out, cancellation, or other process where required by applicable law, product-specific terms, subscription terms, or a signed written agreement.

REMVER will maintain or archive prior versions of these Terms where reasonably appropriate for legal, compliance, audit, dispute resolution, or business record purposes.

17. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Nevada, without regard to conflict-of-law principles, except that the Federal Arbitration Act governs the interpretation and enforcement of the arbitration provisions in this Section where applicable. Nothing in this Section limits any non-waivable rights, remedies, venue rights, jurisdictional rights, consumer-protection rights, privacy rights, telecommunications rights, automatic-renewal rights, payment-card rights, or other statutory rights that may apply under applicable law.

17.1 Informal Dispute Resolution

Before initiating arbitration or litigation, the party asserting a dispute must first provide written notice describing the nature and basis of the dispute, the relief requested, and the contact information for the party asserting the dispute. Notices to REMVER must be sent to Legal@Remver.com and to REMVER’s notice address listed in the Contact Information section of these Terms. The parties will attempt in good faith to resolve the dispute informally for thirty (30) days after written notice is received. Either party may proceed to arbitration or another permitted forum if the dispute is not resolved within that period, unless applicable law requires or permits a different process.

17.2 Binding Arbitration

Except for disputes that qualify for small claims court, disputes seeking only temporary, preliminary, or permanent injunctive or equitable relief, and disputes that applicable law prohibits from being arbitrated, any dispute, claim, or controversy arising out of or relating to these Terms, the Services, REMVER’s website, digital products, subscriptions, SMS/mobile messaging, AI-enabled tools, communications, transactions, purchases, or any relationship or interaction with REMVER shall be resolved by binding arbitration administered by the American Arbitration Association (“AAA”).

For disputes involving a business, organization, entity, or individual acting primarily for business, professional, organizational, or commercial purposes, the arbitration will be administered under the AAA Commercial Arbitration Rules then in effect, except as modified by these Terms or an applicable signed written agreement.

For disputes involving an individual consumer where the AAA Consumer Arbitration Rules apply, the arbitration will be administered under the AAA Consumer Arbitration Rules and Mediation Procedures then in effect, including any applicable consumer fee schedule, Consumer Due Process Protocol, clause-review, registration, administrative, and fee requirements imposed by AAA as a condition of administering the consumer dispute. Where AAA requires consumer-clause review, registry submission, fee payment, or another administrative requirement before accepting or administering a consumer dispute, REMVER will comply with those AAA requirements, or the dispute will proceed in another forum required or permitted by applicable law. These Terms do not limit any non-waivable consumer rights or remedies.

Unless the applicable AAA rules, applicable law, a signed written agreement, or the arbitrator require otherwise, arbitration may be conducted by video conference, telephone, written submissions, or another remote method. For business or commercial disputes, the seat and venue of arbitration will be Clark County, Nevada, unless the parties agree otherwise in writing or the arbitrator determines that another location or remote procedure is required by applicable law or the applicable arbitration rules. For consumer disputes, the location, format, and costs of arbitration will be determined in accordance with the applicable AAA Consumer Arbitration Rules, consumer fee schedule, Consumer Due Process Protocol, and applicable law.

The arbitrator will have authority to resolve disputes regarding the interpretation, applicability, enforceability, or formation of these Terms and this arbitration agreement, including any claim that all or part of these Terms is void or voidable, except that any dispute regarding the enforceability, validity, or scope of the class-action waiver in Section 17.3 must be decided by a court of competent jurisdiction unless applicable law requires otherwise. The arbitrator may award any individual relief that would be available in court under applicable law, subject to these Terms and any applicable signed written agreement.

17.3 Class Action Waiver

To the fullest extent permitted by applicable law, you and REMVER agree that any dispute will be resolved only on an individual basis and not as a class action, collective action, representative action, mass action, consolidated action, or other proceeding brought on behalf of or together with other persons or entities. The arbitrator may not consolidate claims of more than one person or entity or preside over any form of class, collective, representative, mass, or consolidated proceeding, except where applicable law does not permit this restriction.

Nothing in this Section prevents either party from bringing an individual claim in small claims court if the claim qualifies and remains within the court’s jurisdiction. Nothing in this Section prevents REMVER from seeking temporary, preliminary, or permanent injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property, confidential information, proprietary information, trade secrets, systems, networks, security, accounts, access controls, brand assets, or other proprietary interests.

17.4 Claims That Cannot Be Arbitrated or Waived

Nothing in these Terms requires arbitration, waiver, limitation, or restriction of any claim, right, remedy, representative action, public injunctive relief claim, agency charge, government report, or other proceeding where applicable law does not permit arbitration, waiver, limitation, or restriction. Any claim or proceeding that applicable law does not permit to be arbitrated or waived is excluded from arbitration and will be handled in the forum required or permitted by applicable law.

17.5 Mass Arbitration Protocol

If twenty-five (25) or more claimants submit demands for arbitration against REMVER within a ninety (90) day period, and the demands are factually or legally substantially similar or raise the same or related claims, the parties agree to use a coordinated, bellwether process to resolve the claims efficiently. Under this process: (a) the parties will each select up to ten (10) representative claims to be arbitrated as bellwether cases; if the parties cannot agree on the bellwether cases within thirty (30) days, the AAA will select them; (b) the remaining claims will be stayed pending resolution of the bellwether cases; (c) the outcome of the bellwether cases will be used to facilitate mediated resolution of the remaining claims; and (d) fees and costs for the bellwether arbitrations will be governed by the applicable AAA rules. Nothing in this Section limits the right of any individual claimant to arbitrate their individual claim or to participate in small claims court where their claim qualifies.

17.6 Contractual Limitations Period

To the fullest extent permitted by applicable law, any claim, demand, action, or proceeding arising out of or relating to these Terms, the Services, or any purchase, subscription, communication, transaction, or engagement with REMVER must be commenced within one (1) year from the date the claimant first knew or should have known of the facts giving rise to the claim, regardless of any longer limitations period that might otherwise apply under applicable law. Claims not brought within this period are permanently barred. This contractual limitations period does not apply to claims that cannot be time-limited by contract under applicable law, including applicable consumer protection statutes that prescribe non-waivable limitations periods.

17.7 Governing Forum

If the AAA is unavailable, declines to administer the arbitration, or determines that a clause does not comply with applicable AAA requirements, the parties will attempt in good faith to agree on a substitute arbitration provider or process. If the parties cannot agree, either party may ask a court of competent jurisdiction to appoint a substitute arbitrator or determine the appropriate forum as permitted by applicable law. For Services governed by a signed Statement of Work, Master Services Agreement, order form, subscription agreement, product-specific terms, or other written agreement, the governing-law, venue, jurisdiction, dispute-resolution, arbitration, class-waiver, and equitable-relief provisions in that signed agreement will control to the extent they directly conflict with this Section, but only for the specific Service, product, subscription, or engagement governed by that written agreement and only to the extent permitted by applicable law.

17.8 Effect of Future Changes to Dispute Terms

Changes to the arbitration, class waiver, limitations period, governing law, or dispute-resolution provisions will not apply to disputes for which REMVER has received written notice before the effective date of the change, unless the parties expressly agree otherwise or applicable law permits otherwise.

‍

If any provision of these Terms is found to be unlawful, void, invalid, or unenforceable, that provision will be enforced to the maximum extent permitted by applicable law and the remaining provisions will remain in full force and effect. If a court or arbitrator determines that any provision cannot be enforced as written, the provision may be modified to the minimum extent necessary to make it enforceable, except where modification is not permitted by applicable law.

18.1 Severability

18.2 No Waiver

REMVER’s failure or delay in exercising any right, remedy, power, or privilege under these Terms does not waive that right, remedy, power, or privilege. A waiver is effective only if in writing and signed by REMVER. A waiver of one breach or default does not constitute a waiver of any other breach or default.

18.3 Assignment

You may not assign, transfer, delegate, or sublicense any rights or obligations under these Terms without REMVER’s prior written consent. REMVER may assign, transfer, delegate, or sublicense its rights and obligations under these Terms in connection with a merger, acquisition, restructuring, sale of assets, financing, corporate transaction, change of control, or transfer of business operations, or to an affiliate, successor, service provider, or contractor, subject to applicable law and any applicable signed written agreement.

18.4 Force Majeure

REMVER will not be liable for any delay, failure, interruption, non-performance, or inability to perform resulting from causes beyond REMVER’s reasonable control, including acts of God, natural disasters, severe weather, fire, flood, war, terrorism, civil unrest, labor disputes, government actions, epidemics, pandemics, power failures, internet failures, telecommunications failures, carrier failures, platform outages, hosting outages, cybersecurity incidents, third-party service-provider failures, supply-chain disruptions, payment-processor issues, or other events beyond REMVER’s reasonable control.

18.5 Survival

Any provision of these Terms that by its nature should survive expiration, cancellation, termination, suspension, completion of a transaction, or discontinuation of Services will survive, including provisions relating to intellectual property, license restrictions, confidentiality, submitted content, disclaimers, limitation of liability, indemnification, payment obligations, refunds, chargebacks, dispute resolution, governing law, privacy, SMS opt-out and suppression records, and general legal terms.

18.6 Electronic Communications and Notices

You consent to receive communications, notices, disclosures, confirmations, receipts, policy updates, transaction records, and other information from REMVER electronically, including by email, website notice, account notice, checkout notice, customer portal, download page, SMS/mobile message where separately consented to or otherwise permitted, or other electronic method. Electronic communications satisfy any legal requirement that such communications be in writing, except where applicable law requires a different method. You are responsible for maintaining accurate contact information and for monitoring the email address, phone number, account, or communication channel you provide to REMVER.

18.7 Export, Sanctions, and Restricted Use

You may not access, purchase, use, export, re-export, transfer, or make available any REMVER Service, digital product, software-related resource, technology-enabled resource, template, prompt, workflow, or deliverable in violation of applicable export-control, sanctions, anti-bribery, anti-corruption, anti-money-laundering, or trade-compliance laws. You represent that you are not located in, organized under the laws of, or ordinarily resident in any jurisdiction subject to comprehensive U.S. sanctions and are not listed on any restricted-party list that would prohibit REMVER from providing Services to you.

18.8 No Agency or Partnership

These Terms do not create any partnership, joint venture, franchise, employment, fiduciary, agency, broker, representative, or exclusive relationship between you and REMVER. You may not bind REMVER or represent that you have authority to act on REMVER’s behalf unless REMVER expressly authorizes you to do so in a signed written agreement.

18.9 Entire Agreement for Public Terms

These Terms, together with REMVER’s Privacy Policy, Purchasing Policies, Subscription and Recurring Billing Terms, SMS and Mobile Messaging Terms, product-specific checkout disclosures, order forms, subscription terms, and any signed written agreement applicable to a specific Service, constitute the applicable agreement between you and REMVER for the Services addressed by those documents. If a signed written agreement directly conflicts with these public Terms, the signed written agreement controls only for the specific Service, product, subscription, transaction, or engagement governed by that signed agreement and only to the extent permitted by applicable law.

‍

19. Contact Information

For questions, notices, requests, cancellations, billing issues, privacy inquiries, SMS support, or other matters related to these REMVER Terms and Conditions, contact REMVER using the information below.

Legal, Privacy, and Consumer Rights Requests

Legal@Remver.com — Use this contact for privacy questions, privacy rights requests, data access requests, correction requests, deletion requests, opt-out requests, authorized-agent requests, Texas privacy appeals, California privacy requests, legal notices, and questions about these Terms or REMVER’s Legal Policies.

Privacy Request Form / Privacy Choices

https://www.remver.com/privacy-policy/ — REMVER’s Privacy Policy and available privacy controls are accessible at this URL. If REMVER provides a dedicated privacy request form or privacy choices page, the applicable link will be made available on the REMVER website.

Billing, Refunds, Chargebacks, and Subscription Payments

Accounting@Remver.com — Use this contact for billing questions, refund requests, duplicate charges, failed payments, payment disputes, invoice questions, subscription billing issues, chargeback-related issues, tax questions, or payment-method issues.

Subscription Cancellations and Account Access

Accounting@Remver.com | 1-940-573-6837 | 1-866-573-6837 (toll-free) — Use this contact for subscription cancellations, recurring billing cancellation requests, account-access issues, payment-plan questions, renewal questions, or cancellation confirmation requests.

Fulfillment and Operations Support

Support@Remver.com — Use this contact for product access, download issues, free-resource delivery issues, consulting deliverable questions, implementation support, technical access problems, and fulfillment support.

SMS Support and Mobile Messaging Questions

Legal@Remver.com | 1-940-573-6837 | 1-866-573-6837 (toll-free) — You may also reply STOP to any REMVER text message to opt out or HELP for assistance.

Terms and Conditions, Including SMS and Mobile Messaging Terms

https://www.remver.com/terms-and-conditions/

Mailing Addresses

Texas: 539 Commerce St., Dallas, TX 75208

Nevada: 3225 McLeod Dr. #100, Las Vegas, NV 89121

Phone: 1-940-573-6837 | 1-866-573-6837 (toll-free)

REMVER may require reasonable information to verify your identity, locate your account, confirm your subscription, process your request, prevent fraud, protect security, or comply with applicable law. Do not send Social Security numbers, full payment card numbers, bank account numbers, health information, client-confidential information, or other sensitive information by email, SMS, public form, chat, or unsecured channel unless REMVER expressly instructs you to do so through an approved secure process.

‍