Terms & Conditions.

Our services

The information and content provided through the Services is intended for general informational and operational use. It is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would violate local laws or regulations, or would subject BlueMoso Inc. to any registration or regulatory requirement within that jurisdiction.

If you choose to access the Services from outside Canada, you do so on your own initiative and are solely responsible for compliance with applicable local laws.

You may not use the Services in any manner that would violate any applicable laws related to data protection, financial disclosures, or consumer privacy, including but not limited to the Gramm-Leach-Bliley Act (GLBA).

Intellectual property rights

Our intellectual property

We are the owner or licensee of all intellectual property rights in and related to the Services, including but not limited to all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics available through the Services (collectively, the "Content"), as well as all associated trademarks, service marks, trade names, and logos (the "Marks").

The Content and Marks are protected by copyright, trademark, and other intellectual property laws and international treaties. The Content and Marks are provided on an "AS IS" basis for your internal business use only.

Your use of our Services

Subject to your compliance with these Legal Terms, including the "Prohibited Activities" section below, we grant you a non-exclusive, non-transferable, revocable license to:

• access the Services; and
• download or print portions of the Content you have lawfully accessed, solely for your internal business use.

Except as expressly set out in this section or elsewhere in these Legal Terms, no part of the Services, Content, or Marks may be copied, reproduced, modified, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose without our express prior written consent.

To request permission for any use of the Services, Content, or Marks outside the scope of this license, please contact us at [email protected]. We reserve all rights not expressly granted to you in and to the Services, Content, and Marks.

Your submissions

If you send us any questions, comments, suggestions, ideas, feedback, or other content ("Submissions"), you agree to assign all intellectual property rights in such Submissions to BlueMoso Inc. You understand and agree that we will own the Submissions and may use or disclose them for any lawful purpose, commercial or otherwise, without obligation, credit, or compensation to you.

You are responsible for what you post or upload. By providing Submissions, you:

• confirm that you have read and agree with our Prohibited Activities;
• agree not to submit any content that is unlawful, harassing, harmful, defamatory, obscene, abusive, discriminatory, threatening, sexually explicit, false, or misleading;
• waive, to the extent permitted by applicable law, any moral rights you may have in your Submissions;
• represent that the Submissions are your original work or that you have obtained all necessary rights and licenses to provide them;
• represent that your Submissions do not contain confidential or proprietary information.

User representations

By using the Services, you represent and warrant that:

1. you have the legal capacity and authority to enter into these Legal Terms and agree to comply with them;
2. you will not access or use the Services through any automated or non-human means, including but not limited to bots, scripts, or scrapers;
3. you will not use the Services for any unlawful, harmful, or unauthorized purpose; and
4. your use of the Services will comply with all applicable laws and regulations in your jurisdiction.

If you provide any information that is false, inaccurate, outdated, or incomplete, we reserve the right to suspend or terminate your access to the Services and to refuse any current or future use of the Services, in whole or in part.

Purchases and payment

We accept the following forms of payment:

• ACH and Wire Transfer
• Credit Card
• PayPal
• Stripe
• Wise

You agree to provide current, complete, and accurate billing and account information for all purchases made through the Services. You further agree to promptly update your account and payment information-including email address, payment method, and payment card expiration date-so that we can process your transactions and contact you as needed.

Applicable taxes may be added based on your billing location. Canadian clients are subject to federal and provincial taxes (e.g., GST/HST) as required by law. For clients outside Canada, BlueMoso Inc. does not collect VAT, GST, or other sales taxes, and you are solely responsible for complying with your local tax laws and reporting obligations.

We reserve the right to update pricing at any time. All payments must be made in U.S. dollars (USD) unless otherwise agreed in writing.

You agree to pay all charges at the rates in effect at the time of purchase, including any applicable taxes or fees. By placing an order, you authorize us to charge your selected payment method for the full amount due. We reserve the right to correct any pricing errors or inaccuracies-even after payment has been requested or received. We also reserve the right to decline or cancel any order submitted through the Services.

Fulfillment, refund & cancellation policy

All services provided by BlueMoso Inc. are delivered digitally through remote collaboration with our team of virtual assistants. Once onboarding is complete and services have begun, internal resources are allocated and task fulfillment is considered to be in progress.

Fulfillment timeline

Fulfillment begins on the start date stated in the signed Service Agreement, not upon payment or signature alone. This date will be mutually agreed upon during the onboarding process and confirmed in writing. Assignments to virtual assistants and delivery of services are tracked internally, and clients are notified as services are completed.

Refund policy

Because our services involve the allocation of internal resources, personnel time, and digital assets, we do not offer refunds for services that have already been fulfilled or partially delivered, except where required by law or explicitly stated in a signed agreement.

If you believe you were charged in error or did not receive the agreed-upon services, please contact us at [email protected] within 7 days of the transaction date. We will review your case and determine whether a partial or full refund is appropriate.

Cancellation policy

If you wish to cancel your services, you must provide written notice at least 14 days in advance by emailing [email protected].

• For monthly plans, this 14-day notice must be received before your next billing cycle begins to avoid future charges.
• For custom contracts or service agreements, cancellation terms will follow the provisions outlined in your signed agreement.

No refunds will be issued for unused time or partial service periods after cancellation unless otherwise stated in your agreement. Access to services and VA support will remain active until the cancellation date takes effect.

Chargebacks and disputes

Initiating a chargeback without first contacting us may result in suspension of your access to our services. We reserve the right to dispute any chargeback that does not comply with this policy and Stripe's Terms of Service.

Prohibited activities

You may not access or use the Services for any purpose other than those that we explicitly make available. The Services may not be used in connection with any commercial activities except those that are directly authorized by BlueMoso Inc.

As a user of the Services, you agree not to:

• Systematically retrieve data, content, or information from the Services to create or compile a database, directory, or collection without our express written consent.
• Trick, defraud, or mislead us or other users, particularly in attempts to access sensitive account information such as passwords or authentication credentials.
• Circumvent, disable, or interfere with any security-related features of the Services, including those that prevent copying or restrict access to content.
• Disparage, tarnish, or otherwise harm the reputation of BlueMoso Inc. or the Services.
• Use the Services to harass, abuse, or harm another person or organization.
• Misuse our support channels or submit knowingly false reports of misconduct or service issues.
• Use the Services in violation of any applicable law, regulation, or code of conduct.
• Upload or transmit viruses, malware, or any other content that interferes with system integrity, performance, or availability.
• Use automated systems such as bots, scrapers, spiders, or scripts to extract data or perform interactions without our authorization.
• Delete or obscure any copyright, trademark, or proprietary rights notice appearing on the Services or associated content.
• Impersonate any individual or entity, or misrepresent your affiliation with any party.
• Upload or transmit passive or active tracking tools, including web bugs, cookies, pixel tags, or other spyware-type technologies.
• Interfere with the proper functioning of the Services, servers, or networks connected to the Services.
• Harass, threaten, intimidate, or abuse any BlueMoso employee, contractor, or representative.
• Attempt to bypass or override any measures designed to restrict or control access to the Services.
• Copy, adapt, or reverse engineer any software or code that powers or supports the Services, except as permitted under applicable law.
• Use the Services or any associated tools to attempt to compete with us, or to use our content and systems for your own commercial purposes without express written permission.
• Use the Services to collect personal information or contact details for the purpose of unsolicited outreach or spam.
• Use a buying or purchasing agent to access Services on behalf of another party without disclosure or consent.

We reserve the right to suspend or terminate your access to the Services if we determine, in our sole discretion, that you have violated any of the above restrictions.

User generated contributions

The Services do not currently provide users with a public platform to submit or post content. However, we may offer you the opportunity to send or share content directly with us, such as text, suggestions, feedback, testimonials, images, or other materials (collectively, "Contributions").

These Contributions may be used internally or in limited external formats (e.g., marketing, testimonials) and will be treated in accordance with our Privacy Policy.

By submitting any Contributions to us, you represent and warrant that:

• You are the original creator or have the necessary rights, licenses, permissions, and authority to submit the Contributions and grant us use.
• Your Contributions do not and will not infringe on the intellectual property rights of any third party.
• You have obtained all necessary consents or releases from any identifiable individuals featured in your Contributions.
• Your Contributions are not false, misleading, defamatory, harassing, obscene, threatening, or otherwise unlawful.
• Your Contributions do not contain any unauthorized advertising, spam, solicitation, pyramid schemes, or promotional content.
• Your Contributions do not violate any applicable laws, rules, or regulations, including privacy or publicity rights, or laws protecting minors.
• Your Contributions do not contain discriminatory or hateful content related to race, ethnicity, nationality, gender, sexual orientation, or disability.

You grant BlueMoso Inc. an unrestricted, irrevocable, royalty-free, worldwide license to use, reproduce, display, distribute, modify, and publish your Contributions in any media format or channel, unless otherwise stated in writing.

Contribution license

You acknowledge and agree that BlueMoso Inc. may access, store, process, and use any information or personal data you provide in accordance with our Privacy Policy and your selected preferences or settings.

By submitting suggestions, ideas, or other feedback regarding the Services, you grant us a worldwide, perpetual, irrevocable, royalty-free license to use and share that feedback for any purpose-commercial or otherwise-without compensation to you.

We do not claim ownership of your Contributions. You retain full ownership of any intellectual property rights or proprietary rights associated with your submitted materials. However, by sharing Contributions with us, you acknowledge that you are solely responsible for your Contributions; we are not responsible for any statements, claims, or representations made in your Contributions; and you agree to hold us harmless and refrain from initiating any legal claims against BlueMoso Inc. related to the use, display, or distribution of your Contributions.

Third-party websites and content

The Services may contain, or you may be redirected to, links to external websites ("Third-Party Websites") as well as articles, images, text, software, applications, audio, video, or other content originating from third parties ("Third-Party Content").

These Third-Party Websites and Third-Party Content are not monitored, verified, or endorsed by BlueMoso Inc., and we make no representations regarding their accuracy, relevance, legality, or appropriateness. We are not responsible for any content, opinions, privacy practices, terms, or policies associated with Third-Party Websites or Third-Party Content, even if accessed through our Services.

If you choose to access or use any Third-Party Website or install or interact with any Third-Party Content, you do so entirely at your own risk. These Legal Terms no longer apply once you leave our Services, and you are solely responsible for reviewing the applicable terms and privacy policies of any third-party platform you visit.

Any purchases or transactions made through Third-Party Websites are strictly between you and the third party. BlueMoso Inc. accepts no responsibility or liability for such transactions, including any products, services, disputes, or damages that may arise.

Advertisers

We may allow third-party advertisers to display advertisements and promotional content in designated areas of the Services, such as banners, sidebars, or other ad placements.

These advertisements are provided by independent third parties. BlueMoso Inc. only provides the space for such ads and does not control, endorse, or assume responsibility for the content, accuracy, or offerings promoted by any advertiser. Any interactions, transactions, or engagements with advertisers are solely between you and the advertiser.

Services management

We reserve the right-but not the obligation-to manage the Services in a way that protects our interests, supports system performance, and enforces these Legal Terms. This includes the right, at our sole discretion, to:

1. Monitor the Services for violations of these Legal Terms;
2. Take appropriate legal action against anyone who violates the law or these Legal Terms, including reporting the user to law enforcement authorities;
3. Refuse access to, restrict, limit, or disable any Contributions or content you provide if we determine it to be harmful, unlawful, or in violation of these Terms;
4. Remove or disable content or files that are excessively large or burdensome to our infrastructure, without notice or liability;
5. Take any other actions necessary to maintain the security, functionality, and integrity of the Services and our intellectual property.

These rights may be exercised without prior notice and at our sole discretion.

Privacy policy

We care about your privacy and data security. Please review our Privacy Policy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms.

BlueMoso Inc. is based in Canada, and we comply with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

We may use third-party service providers, platforms, or infrastructure that store or process data in other jurisdictions, including the United States. If you access the Services from outside Canada, you acknowledge and agree that your personal data may be transferred to, stored, and processed in countries that may have different data protection rules than your home country.

If you are a resident of the European Economic Area (EEA) or United Kingdom, we will process your personal data in accordance with the General Data Protection Regulation (GDPR). If you are a California resident, we will comply with the California Consumer Privacy Act (CCPA).

Term and termination

These Legal Terms remain in full force and effect while you access or use the Services. We reserve the right, at our sole discretion and without notice or liability, to deny access to or use of the Services (including blocking specific IP addresses) to any person for any reason, including any violation of these Legal Terms.

We may suspend or terminate your access to the Services, or remove any content you have submitted, at any time and without prior notice, if we determine that you have violated these Terms or engaged in conduct that we believe may be harmful to BlueMoso Inc., other users, or third parties.

If your access is terminated for any reason, you are prohibited from creating a new account or accessing the Services through any other means, including under a different name or on behalf of a third party.

Modifications and interruptions

We reserve the right to change, modify, update, or remove portions of the Services at any time and for any reason, at our sole discretion, without prior notice. This includes changes to content, functionality, or availability.

We also reserve the right to suspend or discontinue all or part of the Services at any time, without notice. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuation of the Services.

Although we strive to maintain reliable service, we cannot guarantee uninterrupted access. You acknowledge and agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any such interruptions.

Governing law

These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to any conflict of law principles.

You agree that any dispute arising out of or relating to these Legal Terms or the Services shall be subject to the exclusive jurisdiction of the courts of the Province of Ontario.

Dispute resolution

We encourage the Parties to resolve any disputes through good-faith, informal negotiation whenever possible. If a dispute cannot be resolved informally, the Parties agree to submit the matter to binding arbitration in Ontario, Canada, unless otherwise prohibited by law.

The arbitration shall be conducted under the Arbitration Act, 1991 (Ontario), as amended or replaced from time to time. The arbitration may be conducted in person, by phone, online, or through submission of documents, as mutually agreed. The arbitration will be conducted in English, and the arbitrator's decision shall be final and binding, subject only to limited review under applicable law.

Restrictions

To the fullest extent permitted by law, the Parties agree that: (a) any arbitration shall be conducted on an individual basis only; (b) class actions, collective arbitrations, and representative proceedings are not permitted; and (c) no arbitration or legal claim may be joined or consolidated with another without the written consent of both Parties.

Exceptions to arbitration

The following types of Disputes are not subject to arbitration and may be resolved in court: (a) claims seeking to enforce or protect intellectual property rights; (b) claims involving allegations of theft, unauthorized use, invasion of privacy, or fraud; (c) claims for injunctive or equitable relief.

Corrections

The Services may contain typographical errors, inaccuracies, or omissions, including but not limited to descriptions, pricing, availability, or other information. We reserve the right to correct any such errors, inaccuracies, or omissions and to modify or update the information on the Services at any time, without prior notice.

Disclaimer

The Services are provided on an "as is" and "as available" basis. You agree that your use of the Services is at your sole risk. To the fullest extent permitted by law, BlueMoso Inc. disclaims all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy.

We make no representations or warranties regarding:

1. the completeness, reliability, or accuracy of the Services' content;
2. the content of any third-party websites or applications linked to or from the Services;
3. any errors or inaccuracies in content or materials;
4. any unauthorized access to or use of our secure servers or any personal or financial data stored therein;
5. any interruption, downtime, or unavailability of the Services;
6. the transmission of viruses, malware, or other harmful code via the Services by third parties; or
7. any losses or damages resulting from the use of content posted, transmitted, or made available through the Services.

Limitations of liability

To the fullest extent permitted by law, BlueMoso Inc., its directors, employees, contractors, and agents shall not be liable to you or any third party for any indirect, consequential, exemplary, incidental, special, or punitive damages, including but not limited to loss of profit, revenue, business opportunities, goodwill, or data, arising from or related to your use of the Services-even if we have been advised of the possibility of such damages.

Some jurisdictions, including certain provinces in Canada and countries outside of Canada, may not allow certain limitations or exclusions of liability. If these laws apply to you, parts of this section may not apply, and you may have additional rights under local law.

Indemnification

You agree to defend, indemnify, and hold harmless BlueMoso Inc., including our affiliates, subsidiaries, officers, agents, partners, contractors, and employees, from and against any claims, losses, liabilities, damages, demands, or expenses (including reasonable legal fees) arising from or related to:

1. your use of the Services;
2. your breach of these Legal Terms;
3. any breach of your representations or warranties made under these Terms;
4. your violation of the rights of a third party, including but not limited to intellectual property rights or privacy rights; or
5. any harmful or unlawful conduct directed at another user of the Services with whom you interacted.

We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of such claims.

User data

We may store and process certain data that you transmit through the Services for the purpose of managing service delivery, performance tracking, and internal operations. This may include usage data, communication logs, and other activity related to your use of the Services.

Although we implement routine data backups and take reasonable steps to safeguard your information, you are solely responsible for maintaining copies of any data or content that you submit or generate through the Services.

Electronic communications, transactions, and signatures

By visiting the Services, sending us emails, or completing online forms, you consent to receive electronic communications from us. You agree that all agreements, notices, disclosures, and other communications we provide electronically-via email or through the Services-satisfy any legal requirement that such communications be in writing.

You further agree to the use of electronic signatures, electronic contracts, electronic orders, and electronic records, and to the electronic delivery of notices, policies, and records of transactions initiated or completed by us or through the Services.

This section is intended to comply with the Electronic Commerce Act, 2000 (Ontario) and is equally applicable to users accessing our Services from outside Canada, subject to relevant international laws.

California users and residents

If you are a California resident and any concern with BlueMoso Inc. is not resolved to your satisfaction, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs:

• In writing: 1625 North Market Blvd., Suite N 112, Sacramento, California 95834
• By telephone: (800) 952-5210 or (916) 445-1254

Miscellaneous

These Legal Terms and any policies or operating rules posted by us on the Services, or in respect to the Services, constitute the entire agreement and understanding between you and us.

Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time.

We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions.

There is no joint venture, partnership, employment, or agency relationship created between you and us as a result of these Legal Terms or your use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them.

You are solely responsible for ensuring your use of the Services complies with the laws and regulations of your local jurisdiction.

Contact us

If you have questions, concerns, or would like to resolve a complaint regarding the Services, please contact us: