Owner Advisor Terms of Use

These Terms of Use ("Terms") govern your access to and use of the owner-advisor.com website ("OwnerAdvisor"), Business Guides, Business Owner FAQ, Monthly Business Guidance, Snapshot, Signal, Owner Advisor, related reports, tools, worksheets, communications, software, subscriptions, digital products, beta products, future products, and other services provided by Haven Meridian, Inc., a Delaware corporation, or its affiliates ("Haven," "we," "us," or "our").

OwnerAdvisor is a branded website and product family operated by Haven Meridian, Inc. When these Terms refer to OwnerAdvisor, they refer to owner-advisor.com and the related branded products, services, content, tools, reports, and communications offered through or in connection with that website. You are contracting with Haven Meridian, Inc., not with a separate legal entity named OwnerAdvisor.

By accessing or using our website or services, you agree to these Terms. If you do not agree, do not use our website or services.

1. What OwnerAdvisor Provides

OwnerAdvisor provides educational business guidance, decision-support tools, business-question resources, intake-based reports, software, communications, and related products or content for small business owners.

Our services may include, but are not limited to:

• free Business Guides and educational articles;
• Business Owner FAQ content;
• free or paid worksheets, downloads, templates, checklists, or decision tools;
• Snapshot, Signal, Owner Advisor, and other current or future decision-support products;
• intake-based assessments, reports, summaries, recommendations, or business-side reviews;
• email guidance, product updates, educational campaigns, and other related communications;
• software, dashboards, workspaces, account features, subscription services, or other digital tools.

OwnerAdvisor is designed to support business thinking and decision-making. It does not replace the owner’s judgment, professional advisors, or responsibility for final decisions.

2. Eligibility, Registration, and Authority

You must be at least eighteen (18) years old, or the age of majority in your jurisdiction, whichever is higher, to use OwnerAdvisor or enter into these Terms.

If you create an account or use OwnerAdvisor on behalf of a business, company, organization, or other entity, you represent and warrant that you have authority to accept these Terms on behalf of that entity. In that case, "you" and "your" refer to both you personally and that entity.

If you register for an account, purchase a product, subscribe to a service, or submit information to OwnerAdvisor, you agree to provide complete and accurate information and to keep your account credentials secure. You are responsible for all activity that occurs under your account.

3. Human Decision-Making and Final Responsibility

You are responsible for all business decisions you make.

OwnerAdvisor may provide analysis, recommendations, questions to consider, decision frameworks, reports, summaries, suggestions, or other outputs. These outputs are intended to support your thinking. They are not final decisions, instructions you must follow, or guarantees of outcome.

You agree that:

• you will use your own judgment before acting on any output, report, guide, recommendation, or communication from OwnerAdvisor;
• you are responsible for deciding whether any recommendation fits your business, facts, goals, risk tolerance, budget, legal obligations, tax position, employee situation, contracts, and market conditions;
• you will not treat OwnerAdvisor as the sole source of truth;
• you will not rely on OwnerAdvisor as a substitute for professional advice where professional advice is appropriate or required;
• you are responsible for the consequences of any business action, inaction, spending decision, hiring decision, pricing decision, marketing decision, operational decision, or other decision you make.

OwnerAdvisor may help you see what to check before you spend more, hire, raise prices, run ads, change direction, or make other business decisions. You remain responsible for choosing what to do.

4. No Professional Advice

OwnerAdvisor provides educational business guidance and decision-support information. OwnerAdvisor does not provide legal, tax, accounting, audit, investment, insurance, lending, medical, mental-health, therapy, counseling, family, marriage, engineering, regulatory, human resources, employment-law, financial-planning, or other licensed professional advice.

Any content or output that touches these areas is for general educational and business-context purposes only. You should consult a qualified professional before making decisions involving:

• tax filings, tax positions, or tax notices;
• legal rights, contracts, disputes, lawsuits, compliance, or liability;
• employment, hiring, firing, wage, worker classification, workplace policies, or labor-law issues;
• insurance coverage, claims, or risk transfer;
• loans, credit, investment, securities, or financing decisions;
• regulated industries or regulated professional services;
• therapy, counseling, mental health, marriage, family, medical, or personal well-being issues;
• personal financial planning, investment, retirement, estate, or household financial decisions;
• any decision where professional advice is legally required or practically important.

OwnerAdvisor may help you organize questions, identify issues to discuss with a professional, or understand general business considerations. It does not replace the professional.

No response, output, report, message, follow-up, or interaction from OwnerAdvisor should be interpreted as professional advice merely because it discusses, references, analyzes, or responds to a professional, regulated, personal, family, relationship, mental-health, household-finance, or out-of-scope topic.

5. Personal, Family, Relationship, and Well-Being Topics

OwnerAdvisor is designed for business education and business-decision support. Because small business decisions often affect an owner’s time, stress, household finances, family obligations, relationships, and personal well-being, OwnerAdvisor may discuss those topics when they are relevant to a business decision.

For example, OwnerAdvisor may help you think through business-related questions such as:

• how a hiring decision may affect workload, time at home, or owner capacity;
• how pricing, cash flow, owner pay, or business debt may affect household financial pressure;
• how business growth, marketing spend, expansion, or staffing may affect stress or personal risk tolerance;
• how to organize tradeoffs between business demands, owner capacity, and personal goals;
• what questions to discuss with a spouse, family member, business partner, accountant, attorney, therapist, financial advisor, insurance professional, or other qualified professional.

OwnerAdvisor does not provide therapy, mental-health care, marriage counseling, family counseling, medical advice, personal financial planning, legal advice, tax advice, crisis support, or other licensed professional services.

OwnerAdvisor should not be used as a substitute for a qualified professional, including a therapist, counselor, physician, attorney, accountant, tax professional, financial planner, insurance professional, or other licensed advisor.

If you are experiencing a medical emergency, mental-health crisis, risk of self-harm, risk of harm to others, domestic violence, abuse, or another urgent personal safety issue, do not rely on OwnerAdvisor. Contact emergency services, a crisis hotline, law enforcement, a qualified professional, or another appropriate support resource.

You remain responsible for all personal, family, household, financial, relationship, and business decisions you make. OwnerAdvisor may help organize business-related tradeoffs and questions, but it does not decide what is best for your life, family, marriage, health, finances, or legal rights.

6. Out-of-Scope Questions and Guardrail Limitations

OwnerAdvisor is designed and intended for educational business guidance and business-decision support. However, users may ask questions or provide information that goes beyond that intended scope, including questions about personal life, relationships, household finances, mental health, legal matters, tax matters, employment matters, insurance, regulated industries, or other professional or personal issues.

You understand and agree that artificial intelligence and automated systems may not always correctly identify, limit, refuse, redirect, or qualify every out-of-scope question. An output may sometimes discuss, respond to, or partially address a topic that is outside OwnerAdvisor’s intended scope.

If that occurs, the output remains subject to these Terms. It does not become legal, tax, accounting, financial-planning, investment, insurance, medical, mental-health, therapy, counseling, marriage, employment-law, regulatory, or other licensed professional advice. It also does not become a final decision, instruction, guarantee, or substitute for your own judgment or for advice from a qualified professional.

You are responsible for recognizing when a question or output involves personal, professional, regulated, or high-impact issues and for seeking qualified professional advice where appropriate. You should not rely on OwnerAdvisor as the sole source of truth or as the final authority on any such matter.

OwnerAdvisor may attempt to redirect certain questions back to business context or recommend professional help, but Haven does not warrant that all out-of-scope questions will be identified, redirected, limited, refused, or handled correctly.

7. Artificial Intelligence, Automation, and Output Limitations

Some OwnerAdvisor services may use artificial intelligence, automation, structured analysis, templates, model-generated outputs, or other software-assisted processes.

You understand and agree that:

• outputs may be incomplete, outdated, incorrect, unclear, or not applicable to your specific situation;
• outputs may be based on information you provide, which may itself be incomplete, inaccurate, or stale;
• outputs may not identify every issue, risk, opportunity, or exception relevant to your business;
• similar users may receive similar or identical outputs;
• outputs may change as new facts, better information, updated product logic, or different business circumstances become available;
• outputs may occasionally respond to, discuss, or partially address topics outside OwnerAdvisor’s intended scope, even where product rules, safety measures, professional-boundary guidance, or guardrails are intended to limit such responses;
• no output should be treated as a guarantee that a decision will succeed or avoid loss.

You are responsible for evaluating outputs for accuracy, relevance, and appropriateness before using, sharing, or acting on them, including using human review and professional review where appropriate.

8. Products, Reports, Snapshot, Signal, Owner Advisor, and Future Services

Snapshot, Signal, Owner Advisor, reports, assessments, guides, worksheets, digital products, subscription services, beta services, and any other current or future OwnerAdvisor products are decision-support and educational services. They do not guarantee business improvement, revenue growth, cost savings, profitability, cash availability, customer acquisition, hiring success, legal compliance, tax accuracy, or any other result.

Product names, features, pricing, format, availability, intake length, report structure, and service scope may change over time. We may add, remove, rename, modify, combine, discontinue, or replace products or features at any time, subject to applicable law and any specific commitments we make at the time of purchase.

Snapshot may provide useful, focused help with one business issue based on a shorter intake. Because Snapshot is short and focused, it should not be treated as a full review of your business.

Signal may provide a broader business-side read based on a fuller intake. Signal may identify issues, priorities, risks, or connected business factors, but it is still limited by the information provided and by the scope of the service.

Owner Advisor may provide ongoing business-decision support and context over time. It does not replace the owner’s responsibility to verify facts, consult professionals where needed, and make final decisions.

9. No Guarantees

Haven does not guarantee that OwnerAdvisor or any related service will:

• increase revenue, profit, cash flow, valuation, customer acquisition, conversion rate, retention, productivity, or business performance;
• prevent mistakes, losses, disputes, compliance issues, or bad outcomes;
• identify every relevant problem, risk, or opportunity;
• produce error-free, complete, uninterrupted, or current outputs;
• be suitable for every business, industry, jurisdiction, or situation.

Any examples, case studies, sample reports, educational scenarios, estimated outcomes, or illustrative calculations are for explanation only and do not guarantee similar results.

10. Information You Provide

You are responsible for the accuracy, completeness, legality, and appropriateness of the information you provide.

If you provide incomplete, inaccurate, outdated, misleading, or irrelevant information, OwnerAdvisor’s outputs may be incomplete, inaccurate, or not useful.

You agree not to submit information you do not have the right to provide, including confidential third-party information, unlawful data, or information that violates another person’s rights.

You should avoid submitting sensitive personal information unless specifically requested and necessary for the service.

11. Your Use of OwnerAdvisor

You agree to use OwnerAdvisor only for lawful business and educational purposes.

You may not:

• use OwnerAdvisor for unlawful, harmful, deceptive, or abusive activity;
• misrepresent outputs as professional legal, tax, accounting, employment, insurance, investment, financial-planning, mental-health, therapy, counseling, family, marriage, medical, regulatory, or other licensed professional advice;
• use outputs to make decisions about another person’s legal rights, employment, credit, housing, insurance, medical care, or other material personal status without appropriate human and professional review;
• use OwnerAdvisor as a substitute for therapy, mental-health care, marriage counseling, medical care, personal financial planning, legal advice, tax advice, emergency support, crisis services, or other licensed professional services;
• copy, resell, sublicense, or commercially exploit our services or materials except as expressly permitted;
• attempt to reverse engineer, scrape, bypass security, overload, or interfere with our systems;
• submit malicious code, unlawful content, or content that infringes another person’s rights;
• violate our Acceptable Use Policy or any product-specific rules, affiliate rules, or partner rules that apply to your use of OwnerAdvisor.

12. Payments, Subscriptions, Cancellation, and Refunds

Certain services may be free, paid, subscription-based, or offered at beta, promotional, introductory, trial, or discounted pricing.

If you purchase a paid service, you agree to provide complete and accurate billing information, including a valid payment method, and authorize Haven or its payment processor to charge your payment method for applicable fees, taxes, renewals, and other charges.

For paid subscriptions, we may automatically charge your payment method on each agreed-upon periodic renewal until you cancel. You are responsible for all applicable taxes, and we may charge tax where required.

You may cancel a subscription according to the instructions provided at purchase, in your account settings, or through another cancellation process we make available. Payments are non-refundable except where required by law or expressly stated at purchase. These Terms do not override any mandatory local laws regarding your cancellation or refund rights.

For one-time paid products or reports, if a technical failure, system error, or non-delivery prevents Haven from delivering the purchased product or a reasonably equivalent replacement, Haven may, in its discretion, provide a refund, credit, re-delivery, corrected report, or other reasonable remedy. Nothing in this paragraph creates a guarantee of satisfaction, a general refund right, or a right to a refund based on disagreement with an output, report, recommendation, or business result.

If your payment cannot be completed, we may suspend, downgrade, or terminate your access to paid services until payment is received.

We may change pricing from time to time. If we materially increase the price of a recurring subscription, we will provide at least thirty (30) days’ advance notice before the increase applies to a future renewal so that you may cancel if you do not agree to the new price.

Where we offer introductory, founding-member, beta, promotional, trial, discounted, or other special pricing with a stated protected period or stated conditions, the terms applicable to that pricing will be disclosed at the time of purchase and will govern for the stated period or stated conditions, after which standard pricing and these Terms apply.

If upgrades, downgrades, plan changes, add-ons, credits, or prorations are available, the applicable terms will be shown at the time of the change or in the product interface. Unless otherwise stated at the time of the change or required by law, downgrades or removals of add-ons take effect at the next renewal period and do not create a right to a partial-period refund.

13. Beta Products and Product Changes

Some services may be offered in beta, early access, pilot, preview, experimental, or test form. Beta services may be incomplete, changed, interrupted, discontinued, or modified at any time.

You understand that beta services may contain errors, limitations, unfinished features, or unstable workflows. You use beta services at your own risk.

We may add, remove, modify, rename, combine, replace, or discontinue features, products, reports, workflows, or services at any time, subject to applicable law and any specific commitments we make at the time of purchase.

14. Intellectual Property

The website, software, reports, templates, worksheets, guides, visual design, branding, logos, text, frameworks, workflows, and other materials we provide are owned by Haven or its licensors and are protected by intellectual property laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the services for your own internal business purposes.

You may use reports and outputs generated for your business for your internal business decision-making. You may not copy, publish, resell, sublicense, distribute, commercially exploit, or create competing products or services from our materials without written permission.

15. User Content and Feedback

You retain ownership of information you submit to OwnerAdvisor, subject to the rights needed for us to provide, maintain, secure, improve, and support the services.

If you submit feedback, suggestions, ideas, comments, or improvement requests, you allow us to use them without restriction or compensation, unless otherwise agreed in writing.

16. Third-Party Services, Links, Affiliates, and Referrals

OwnerAdvisor may reference, link to, integrate with, or discuss third-party services, tools, software, professionals, platforms, or resources.

We are not responsible for third-party services, websites, tools, terms, privacy practices, prices, performance, availability, or outputs. Third-party services are governed by their own terms and policies.

A reference to a third-party product or service does not mean that the third party endorses OwnerAdvisor or that Haven guarantees the third party’s services.

If we use affiliate links, referral relationships, sponsorships, partner relationships, or other compensated relationships, we may receive compensation. We will seek to disclose material relationships where required by law. Haven will not intentionally recommend a product solely because it pays a commission.

17. Privacy

Your use of OwnerAdvisor is also governed by our Privacy Policy, which explains how we collect, use, store, disclose, retain, protect, and delete information, including business information and personal information submitted through the services.

The Privacy Policy is available at https://owner-advisor.com/privacy and is incorporated by reference into these Terms. You should review the Privacy Policy before using OwnerAdvisor. Our Cookie Policy, available at https://owner-advisor.com/cookies, explains how we use cookies and similar technologies. Our Acceptable Use Policy, available at https://owner-advisor.com/acceptable-use, provides additional rules for permitted and prohibited use and is incorporated by reference into these Terms.

The Privacy Policy should describe, among other things, what information we collect, how we use it, how long we retain it, what happens to information when an account is cancelled or deleted, whether and how users may request access, correction, deletion, or other privacy rights, and any rights that apply under applicable privacy laws.

Do not use OwnerAdvisor if you do not agree with our Privacy Policy.

18. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OWNERADVISOR AND ALL RELATED SERVICES, CONTENT, OUTPUTS, REPORTS, GUIDES, SOFTWARE, TOOLS, EMAILS, COMMUNICATIONS, PRODUCTS, AND MATERIALS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTIES OF ANY KIND.

HAVEN, ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, SUPPLIERS, AND DISTRIBUTORS DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, SATISFACTORY QUALITY, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, SECURITY, QUIET ENJOYMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

HAVEN DOES NOT WARRANT THAT THE SERVICES OR OUTPUTS WILL BE ACCURATE, COMPLETE, CURRENT, ERROR-FREE, UNINTERRUPTED, SECURE, AVAILABLE, UNALTERED, PRESERVED, OR SUITABLE FOR YOUR BUSINESS, INDUSTRY, JURISDICTION, FACTS, GOALS, OR CIRCUMSTANCES.

YOU ACCEPT AND AGREE THAT ANY USE OF OWNERADVISOR, INCLUDING ANY OUTPUTS, REPORTS, RECOMMENDATIONS, SUMMARIES, GUIDES, OR OTHER MATERIALS, IS AT YOUR SOLE RISK. YOU WILL NOT RELY ON OWNERADVISOR AS A SOLE SOURCE OF TRUTH OR FACTUAL INFORMATION, AS A SUBSTITUTE FOR YOUR OWN JUDGMENT, OR AS A SUBSTITUTE FOR PROFESSIONAL ADVICE.

19. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NEITHER HAVEN NOR ANY OF ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, SUPPLIERS, DISTRIBUTORS, DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, OR REPRESENTATIVES WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, ENHANCED, OR SIMILAR DAMAGES, INCLUDING DAMAGES FOR LOST PROFITS, LOST REVENUE, LOST BUSINESS OPPORTUNITY, LOST GOODWILL, LOST USE, LOST DATA, BUSINESS INTERRUPTION, COST OF SUBSTITUTE SERVICES, OR OTHER LOSSES, EVEN IF HAVEN HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HAVEN’S TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SERVICES, THESE TERMS, OR YOUR USE OF OWNERADVISOR WILL NOT EXCEED THE GREATER OF:

1. THE AMOUNT YOU PAID TO HAVEN FOR THE SERVICE THAT GAVE RISE TO THE CLAIM DURING THE TWELVE (12) MONTHS BEFORE THE LIABILITY AROSE; OR

2. ONE HUNDRED DOLLARS ($100).

THE LIMITATIONS IN THIS SECTION APPLY TO ALL CLAIMS AND THEORIES OF LIABILITY, WHETHER BASED ON WARRANTY, CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, STATUTE, EQUITY, OR ANY OTHER LEGAL THEORY, AND EVEN IF A LIMITED REMEDY IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

SOME COUNTRIES, STATES, OR OTHER JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF CERTAIN DAMAGES OR LIABILITIES, SO SOME OR ALL OF THE TERMS ABOVE MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS. IN THAT CASE, THESE TERMS DISCLAIM WARRANTIES AND LIMIT HAVEN’S RESPONSIBILITIES ONLY TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

HAVEN’S AFFILIATES, LICENSORS, SERVICE PROVIDERS, SUPPLIERS, DISTRIBUTORS, DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, AND REPRESENTATIVES ARE INTENDED THIRD-PARTY BENEFICIARIES OF THIS SECTION.

20. Indemnification

To the extent permitted by law, you agree to indemnify, defend, and hold harmless Haven and its affiliates, licensors, service providers, suppliers, distributors, directors, officers, employees, contractors, agents, and representatives from and against any claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising out of or related to:

• your use of the services;
• your business decisions or actions taken based on or after using the services;
• information you provide;
• your violation of these Terms;
• your violation of applicable law;
• your violation of another person’s rights;
• your misuse of outputs, reports, guides, recommendations, or other materials.

If applicable law limits indemnification obligations for individual consumers, this Section applies only to the maximum extent permitted by applicable law.

21. Suspension and Termination

We may suspend or terminate access to any service if we believe you violated these Terms, used the service unlawfully or abusively, created risk for us or others, failed to pay amounts owed, or if suspension is necessary for legal, security, or operational reasons.

You may stop using the services at any time.

22. Dispute Resolution

YOU AND HAVEN AGREE TO THE FOLLOWING MANDATORY ARBITRATION AND CLASS ACTION WAIVER PROVISIONS.

Mandatory Arbitration. You and Haven agree to resolve any claim, dispute, or controversy arising out of or relating to these Terms, OwnerAdvisor, any service, any output, any report, any product, or your relationship with Haven, regardless of when the claim arose, through final and binding arbitration, except as provided in the “Exceptions” subsection below.

Arbitration Opt-Out. You may opt out of arbitration within thirty (30) days after you first agree to these Terms or within thirty (30) days after an update to this arbitration section takes effect by sending written notice of your opt-out to legal@owner-advisor.com. If you opt out of an update, the last set of arbitration terms you agreed to will apply.

Informal Dispute Resolution. Before either party files a claim against the other, you and Haven agree to try to resolve the dispute informally. To begin informal dispute resolution, the party raising the dispute must send written notice describing the dispute and the relief requested.

You may send notice to Haven at legal@owner-advisor.com or Haven Meridian, Inc., 4900 Copper Creek Trail, Kannapolis, North Carolina 28081. Haven may send notice to the email address associated with your account or otherwise provided by you.

If the dispute is not resolved within sixty (60) days after notice is received, either party may initiate arbitration or another proceeding permitted by this Section. You and Haven also agree to attend an individual settlement conference if either party requests one during this period. The statute of limitations and any filing-fee deadlines will be tolled during the informal dispute resolution period to the extent permitted by law.

Arbitration Forum and Procedures. If the parties are unable to resolve the dispute informally, either party may commence arbitration with the American Arbitration Association (“AAA”) under its applicable Consumer Arbitration Rules, Commercial Arbitration Rules, or other applicable AAA rules, depending on the nature of the dispute and the parties.

The arbitration will be conducted by a single arbitrator. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement and any arbitration proceeding.

The arbitration will be conducted by videoconference where reasonably practicable. If an in-person hearing is required, the location will be mutually agreed upon, in the county where you reside, in New Castle County, Delaware, or as determined by the arbitrator under applicable AAA rules.

The arbitrator will have authority to resolve any claim and to grant motions dispositive of all or part of any dispute, except that the federal or state courts located in New Castle County, Delaware will have authority to determine any dispute about the enforceability, validity, or scope of the class action waiver, requests for public injunctive relief, or other issues that applicable law requires a court to decide. Any settlement offer amounts may not be disclosed to the arbitrator until after the arbitrator determines the final award, if any.

Exceptions. This Section does not require informal dispute resolution or arbitration of the following claims:

1. individual claims brought in small claims court;

2. actions seeking injunctive or other equitable relief to stop unauthorized use or abuse of the services;

3. actions involving actual or threatened intellectual property infringement, misappropriation, or misuse;

4. claims that cannot be required to be arbitrated under applicable law.

Class Action and Jury Trial Waivers. YOU AND HAVEN AGREE THAT DISPUTES MUST BE BROUGHT ONLY ON AN INDIVIDUAL BASIS AND MAY NOT BE BROUGHT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, COLLECTIVE, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE PROCEEDING, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

CLASS ARBITRATIONS, CLASS ACTIONS, COLLECTIVE ACTIONS, CONSOLIDATED ACTIONS, PRIVATE ATTORNEY GENERAL ACTIONS, AND REPRESENTATIVE ACTIONS ARE PROHIBITED. ONLY INDIVIDUAL RELIEF IS AVAILABLE.

YOU AND HAVEN KNOWINGLY AND IRREVOCABLY WAIVE ANY RIGHT TO TRIAL BY JURY IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

Public Injunctive Relief. If applicable law requires that a request for public injunctive relief be decided by a court rather than an arbitrator, the parties agree that the request for public injunctive relief will be severed and stayed until arbitration of the individual claims and all other arbitrable claims is completed.

Batch Arbitration. If twenty-five (25) or more claimants represented by the same or similar counsel file demands for arbitration raising substantially similar disputes within ninety (90) days of each other, the parties agree that the AAA may administer the arbitrations in batches in a manner consistent with applicable AAA rules and procedures for mass or batch arbitration.

Each batch may be administered as a consolidated arbitration with one arbitrator, one set of arbitration fees, and one hearing held by videoconference or in a location determined by the arbitrator, unless the AAA rules require otherwise. If any portion of this batch arbitration subsection is found invalid or unenforceable as to a particular claimant or batch, that portion will be severed, and the affected dispute will proceed in individual arbitration to the maximum extent permitted by law.

Severability of Arbitration Terms. If any portion of this dispute resolution section is found to be illegal or unenforceable, the remainder will remain in effect, except that if a finding of partial illegality or unenforceability would permit class arbitration, class action, collective action, consolidated action, private attorney general action, or representative action, then this entire dispute resolution section will be unenforceable as to that claim or request for relief.

23. Governing Law and Venue

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law rules, except that the Federal Arbitration Act governs the interpretation and enforcement of the arbitration provisions in these Terms.

Except as provided in the Dispute Resolution section above, all claims arising out of or relating to these Terms, OwnerAdvisor, any service, any output, any report, any product, or your relationship with Haven will be brought exclusively in the federal or state courts located in New Castle County, Delaware, unless applicable law requires a different forum.

Nothing in these Terms limits any non-waivable rights you may have under applicable consumer protection laws. If applicable law prohibits a choice of law, venue, arbitration, class waiver, jury waiver, damages limitation, warranty disclaimer, or other provision from applying to you, that provision will apply only to the maximum extent permitted by law.

24. Changes to These Terms or Services

We may update these Terms or the services from time to time, including due to changes in law or regulatory requirements, security or safety reasons, circumstances beyond our reasonable control, changes we make in the ordinary course of developing or improving our services, or to adapt to new technologies.

If we make changes to these Terms that materially adversely affect your rights, we will provide advance notice where required or appropriate, such as by email, account notice, or posting on our website. Other changes will be effective when posted. If you do not agree to the updated Terms, you must stop using the services. Your continued use of the services after the updated Terms become effective means you accept the updated Terms.

25. General Terms

Assignment. You may not assign or transfer any rights or obligations under these Terms without Haven’s prior written consent, and any attempted assignment or transfer in violation of this subsection will be void. Haven may assign or transfer these Terms, in whole or in part, to any affiliate, subsidiary, successor, acquirer, or other entity associated with the services or Haven’s business.

Delay in Enforcement. Haven’s failure to enforce any provision of these Terms is not a waiver of its right to do so later.

Severability. Except as provided in the Dispute Resolution section above, if any provision or portion of these Terms is determined to be invalid, illegal, void, or unenforceable, that provision or portion will be enforced to the maximum extent permissible and deemed modified to the minimum extent necessary to make it valid and enforceable. If such modification is not permitted, the invalid, illegal, void, or unenforceable provision or portion will be severed, and the remaining provisions of these Terms will remain in full force and effect.

Trade Controls. You must comply with all applicable trade laws, sanctions laws, export control laws, and anti-boycott laws. You may not use OwnerAdvisor in or for the benefit of any country, territory, individual, or entity with whom dealings are prohibited or restricted under applicable law.

Force Majeure and Service Interruptions. Haven is not liable for any delay, failure, interruption, degraded performance, non-delivery, data delay, or inability to provide services caused by circumstances beyond our reasonable control, including internet outages, power failures, cloud infrastructure failures, AI provider outages, payment processor outages, email provider outages, third-party service failures, cyberattacks, security incidents, labor disputes, natural disasters, government actions, war, terrorism, pandemics, changes in law, or other events outside Haven’s reasonable control.

Entire Agreement. These Terms, together with any service-specific terms, order forms, posted policies, or additional terms expressly incorporated by reference, constitute the entire agreement between you and Haven regarding the services and supersede any prior or contemporaneous agreements regarding the services.

26. Contact

Questions about these Terms may be sent to:

Haven Meridian, Inc.

4900 Copper Creek Trail

Kannapolis, North Carolina 28081

legal@owner-advisor.com

https://owner-advisor.com