Effective Date: 01-01-2026 Welcome to TruxxIQ, Inc. (“TruxxIQ,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your use of our website, applications, and services (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our Services. 1. Eligibility By using our Services, you confirm that: You are at least 18 years old or have parental/guardian consent if you are between 13 and 17 years old. You have the legal capacity to enter into a binding contract. You will comply with all applicable laws while using our Services. Our Services are not intended for children under the age of 13. If we discover that a child under 13 has provided personal information, we will delete it. 2. Accounts and Registration You must provide accurate and complete information when creating an account. You are responsible for maintaining the confidentiality of your account credentials. You may create an account using Gmail, Apple ID, general email, or phone number. You are responsible for all activities under your account. If you suspect unauthorized use, notify us immediately at privacy@truxxiq.com. We reserve the right to suspend or terminate accounts that violate these Terms. 3. Use of Services You agree to use our Services for lawful purposes only and not to: Misuse, abuse, or exploit the Services for fraudulent activities. Post or share content that is illegal, offensive, defamatory, or infringes on third-party rights. Attempt to gain unauthorized access to our systems or other users' accounts. Interfere with the proper functioning of our Services. We reserve the right to suspend, restrict, or terminate access to users who violate these terms. 4. User Content and Permissions When you create, upload, or share content (e.g., event details, messages, images, or greeting cards), you grant TruxxIQ a non-exclusive, worldwide, royalty-free license to use, store, and distribute your content solely for the purpose of operating our Services. Restrictions: You must own or have rights to share the content. You are solely responsible for the legality of your content. We may remove content that violates these Terms. 5. Payments and Refunds Paid Features and Billing Certain features may require payment. By purchasing, you agree that: Payments are processed through third-party applications. You authorize us to charge your selected payment method. Prices and fees are subject to change with prior notice. Refund Policy Refunds are generally not provided unless required by law. If you believe you were charged incorrectly, contact us at privacy@truxxiq.com within 7 days of the transaction. 6. SMS Communications: Opt-In and Opt-Out Terms By providing your phone number and opting in to SMS communications, you agree to receive messages from TruxxIQ, Inc. related to: Event invitations and RSVP confirmations. Greeting card contributions and notifications. Service updates, reminders, or promotional messages (if opted in). Opt-In Policy for SMS You can choose to opt-in to receive SMS messages when signing up for an account or updating your notification preferences. By opting in, you consent to receive automated and manual text messages from us regarding service-related updates. Opt-Out Policy for SMS You can opt-out at any time by: Replying “STOP” to any SMS message received. Adjusting your preferences in your account settings. Contacting us at privacy@truxxiq.com. Message and data rates may apply depending on your mobile carrier. We are not responsible for delays or delivery failures caused by third-party SMS providers. 7. Third-Party Services We integrate with third-party applications for payment processing, SMS notifications, and other features. By using our Services, you agree that: Your data may be shared with these third-party services. We are not responsible for the policies or actions of third-party providers. You should review their terms before using their services. 8. Intellectual Property All content, including text, graphics, logos, and software, is owned or licensed by TruxxIQ and is protected by copyright, trademark, and intellectual property laws. You may not: Copy, modify, or distribute our content without written permission. Use our trademarks, branding, or logos without authorization. 9. Disclaimers and Limitation of Liability Disclaimers Our Services are provided "as is" and "as available" without warranties of any kind. We do not guarantee uninterrupted, error-free access to our platform. We are not responsible for the conduct of users or third-party services. Limitation of Liability To the fullest extent permitted by law: TruxxIQ and its affiliates are not liable for any indirect, incidental, or consequential damages. Our total liability for claims related to our Services is limited to the amount paid by you (if any) in the last 12 months. 10. Termination of Services We may suspend or terminate your account if: You violate these Terms. Your actions pose a risk to other users or our platform. We discontinue Services with reasonable notice. You may terminate your account by contacting privacy@truxxiq.com. 11. Indemnification You agree to defend, indemnify, and hold harmless TruxxIQ, Inc., its affiliates, officers, and employees from any claims, damages, losses, or expenses arising from: Your violation of these Terms. Your use of the Services. Any disputes between you and another user. 12. Changes to These Terms We may update these Terms periodically. If changes are significant, we will provide notice via email or through our platform. Your continued use of our Services constitutes acceptance of the updated Terms. 13. Governing Law and Dispute Resolution These Terms are governed by the laws of [Insert Jurisdiction]. In the event of a dispute, you agree to: First attempt to resolve the dispute informally by contacting privacy@truxxiq.com. If unresolved, disputes will be settled through binding arbitration, waiving the right to a jury trial. 14. Contact Information For questions regarding these Terms, contact us at: