Effective Date: July 1, 2025
BuildaBOE.com, a Texas-based SaaS Entity
NOTICE: THESE TERMS INCLUDE BINDING ARBITRATION AND A CLASS ACTION WAIVER.

BuildaBOE.com is a software-as-a-service (SaaS) platform operated as a wholly owned subsidiary of Stratford Financial Solutions, Inc., a Texas corporation headquartered in Longview, Texas. These Terms of Service (“Terms”) constitute a legally binding agreement governing your use of the BuildaBOE.com website, mobile applications, and all related services, content, data, and products (collectively, the “Services”). By accessing or using the Services in any manner, you affirm that you are at least 18 years old, have the legal capacity to enter binding contracts, and agree to be bound by these Terms and any future modifications. If you do not agree to these Terms or are under 18 years of age, you must immediately discontinue use of the Services.

Purpose of Service

BuildaBOE.com provides document formatting and assembly tools that allow users to create self-directed documents, including templates styled as Bills of Exchange (BOE) and other financial instrument formats, through structured input fields. All documents generated are educational templates for informational purposes only and carry no guarantee of legal validity, enforceability, or acceptance by any third party. Users accept complete and exclusive responsibility for verifying the legal sufficiency of any document and for all legal and financial consequences arising from document use.

No document creation constitutes legal, financial, or professional advice. Documents generated through our platform may not be legally valid, enforceable, or acceptable to banks, courts, government agencies, or other parties. Bills of Exchange and similar financial instruments are subject to complex federal and state regulations, including the Uniform Commercial Code, banking regulations, and securities laws. We make no representation that documents comply with applicable laws or regulations, and many institutions specifically prohibit or refuse Bills of Exchange created by individuals.

You are solely responsible for ensuring that any document you create: (a) complies with all applicable laws; (b) is appropriate for your intended purpose; (c) does not constitute fraud, forgery, or other criminal acts; (d) does not violate third-party rights; and (e) is reviewed by qualified legal counsel before use. Improper use of financial instruments may result in civil liability, criminal prosecution under federal fraud statutes (18 U.S.C. §§ 1341, 1343, 1344), and imprisonment.

You are solely responsible for ensuring that any document you create: (a) complies with all applicable laws; (b) is appropriate for your intended purpose; (c) does not constitute fraud, forgery, or other criminal acts; (d) does not violate third-party rights; and (e) is reviewed by qualified legal counsel before use. Improper use of financial instruments may result in civil liability, criminal prosecution under federal fraud statutes (18 U.S.C. §§ 1341, 1343, 1344), and imprisonment

We explicitly disclaim any guarantee that documents will be accepted, honored, or recognized by any party. Most banks, courts, and government agencies have policies prohibiting or refusing Bills of Exchange created by individuals. Document rejection is not just possible but probable, and using our Services provides no assurance of any legal or financial outcome.

The Services are designed for educational use within the United States only. Documents created are not valid, legal, or appropriate for use in other jurisdictions. International users access the Services at their own risk and are solely responsible for compliance with local laws, which may impose criminal penalties for unauthorized creation of negotiable instruments.

No Legal Advice or Attorney-Client Relationship

Nothing on this Site constitutes legal, tax, financial, or professional advice. BuildaBOE.com is not a law firm, does not provide legal representation, does not maintain professional liability insurance, and cannot substitute for licensed legal counsel. No attorney-client relationship or privilege exists. Documents generated are for educational purposes only and may be legally insufficient or worthless. You are solely responsible for verifying document validity and we strongly recommend professional legal review before any use. Failure to obtain proper legal advice may result in document rejection, financial losses, or criminal prosecution.

User Responsibilities

By using BuildaBOE.com, you affirm that you are at least 18 years old and legally competent to contract. You understand that documents are generated solely from your input without our review or validation, and that we do not retain document content after your session ends. You accept full responsibility for verifying document legality, accuracy, and enforceability, and for ensuring lawful use. You acknowledge that documents will likely be rejected by recipients and that improper use may result in civil or criminal liability for which you are solely responsible. False affirmation of these requirements constitutes fraud and breach of these Terms, resulting in immediate termination.

Data Privacy and Document Retention

BuildaBOE.com does not retain user-generated documents beyond the active session. All document content is permanently deleted upon session termination (logout, browser closure, 30 minutes of inactivity, or download completion). Documents exist only in temporary memory during creation and are never saved to permanent storage. You are solely responsible for downloading and saving documents before session termination—failure to do so results in permanent, unrecoverable loss. We retain only transactional metadata (timestamps, document types, activity logs) for legal compliance, never document content. Personal data is governed by our Privacy Policy. We are not liable for data loss from any cause, including your failure to save, technical failures, or interrupted downloads.

Payment Disputes and Chargebacks

All sales are final. If you have a billing concern, contact admin@buildaboe.com before initiating a chargeback with your financial institution. Most issues (duplicate charges, technical errors, service problems) can be resolved directly. We respond to billing inquiries within two business days.

If you initiate a chargeback, we will respond through card network dispute procedures with transaction documentation and proof of service delivery. Your account will be immediately suspended during the investigation and remain suspended until the chargeback is resolved, withdrawn, or decided in our favor.

If a chargeback is decided against us or you fail to withdraw an invalid chargeback after we demonstrate service delivery: (a) your account will be permanently terminated; (b) you will be banned from creating new accounts; (c) any remaining subscription period is forfeited; (d) you will be reported to fraud prevention databases; and (e) we may refer the matter to collections.

If you initiate a chargeback that is decided in our favor or withdraw a chargeback after filing, you agree to reimburse: (a) $50 administrative fee; (b) processor fees we incurred ($15-$25 typical); (c) collection costs up to 40% of amount owed; and (d) legal fees if litigation becomes necessary. These fees are immediately due and may be charged to any payment method on file or pursued through collections.

Before initiating a chargeback, you must attempt good faith resolution by: notifying us of the issue in writing, allowing five business days for investigation and response, and considering reasonable resolutions. If you bypass this process and file a chargeback without notice (except for unauthorized third-party fraud), we may pursue civil remedies.

You retain rights to dispute genuinely fraudulent transactions by third parties. If your payment information was stolen, notify us and your financial institution immediately. We cooperate with fraud investigations and do not penalize true fraud victims. However, false fraud claims for authorized transactions (“friendly fraud”) will be contested and may result in civil action.

We retain transaction records, access logs, and service confirmations for 24 months to support dispute responses. Records include timestamps, IP addresses, documents generated, and features accessed. You consent to our use of these records in chargeback proceedings and acknowledge they constitute valid evidence of service delivery.

Payment Terms and No Refund Policy

All purchases are final and non-refundable except as specifically provided below. No refunds for user error, duplicate purchases, input mistakes, dissatisfaction, document rejection, or voluntary cancellation. By purchasing, you waive dispute rights except as stated herein.

Limited Refund Exceptions:

1. Extended Force Majeure Service Failure Extended Force Majeure: If BuildaBOE.com is completely inaccessible for 30 consecutive days due to a Force Majeure Event, you may request a pro-rated refund within 60 days. Refund = (Remaining Days ÷ Total Subscription Days) × Amount Paid. Applies only to platform-wide outages not caused by user issues.

2. Permanent Service Discontinuation Service Discontinuation: If we permanently cease operations with 90 days’ notice, automatic pro-rated refunds will be issued for unused time. Refund = (Days from Service End to Subscription End ÷ Total Days) × Price Paid.

3. Court-Ordered or Statutorily Required Refunds Legal Requirements: Refunds issued only when: (a) court-ordered in final judgment; (b) required by federal/Texas law explicitly prohibiting no-refund policies; or (c) required by card network rules after exhausted appeals.

Refund calculations exclude processing fees, third-party fees, promotional discounts, and accessible periods. No refunds for partial outages. Third-party purchases must seek refunds from the third party.

Non-Attorney Review Services Disclaimer

BuildaBOE.com’s review services (formatting, grammar, completeness checks) are informational only and do not constitute legal advice. These reviews do not create an attorney-client relationship and are not a substitute for legal counsel.

For users seeking additional document analysis, we may refer you to our partner at www.basilikosnomos.institute who offers paid Westlaw Precision report services. This partner is not an attorney or law firm and cannot provide legal opinions. Any services from the partner are subject to their separate terms and are not provided by BuildaBOE.com.

BuildaBOE.com and its personnel are not responsible for document errors, omissions, legal sufficiency, or enforceability, whether reviewed by us or referred partners. Users should consult licensed attorneys for legal review. Use of our review services or following referrals constitutes acceptance of these limitations and waiver of related claims.

Membership Cancellation

You may cancel your BuildaBOE.com membership at any time. Upon cancellation, you will retain access to your account features and any self-generated documents until the end of your current billing cycle. No further charges will occur after cancellation is processed.

BuildaBOE.com does not provide refunds or credits for partial subscription periods, unused platform time, or unaccessed document features. All sales are final.

To cancel your membership visit your Account Settings page at https://buildaboe.com/account, select “Cancel Membership”, and confirm your cancellation. Cancellation is immediate and final upon confirmation.

If you registered through a third-party platform (e.g., WooCommerce, Apple, PayPal), you must cancel directly through that platform’s subscription management system. BuildaBOE.com is not responsible for recurring charges processed externally.

We reserve the right to terminate or suspend your account, without refund or liability, if you violate our Terms of Service, misuse the platform, or engage in prohibited conduct as defined in our policies.

For questions or support, contact us at: admin@buildaboe.com

Intellectual Property Rights

All source code, content, trademarks, logos, templates, and trade dress associated with BuildaBOE.com are the intellectual property of Stratford Financial Solutions, Inc. or its licensors. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for personal, non-commercial purposes in accordance with these Terms. Unauthorized use, reproduction, distribution, or misappropriation is strictly prohibited and will be prosecuted under applicable state and federal law. For copyright infringement claims, see our DMCA Compliance section.

Limitation of Liability

BuildaBOE.com is provided “AS IS” and “AS AVAILABLE” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM. We are not liable for indirect, incidental, special, consequential, or punitive damages, including lost profits, even if advised of the possibility. Some jurisdictions do not allow these limitations, so they may not apply to you.

Hold Harmless and Indemnity

You agree to defend, indemnify, and hold harmless BuildaBOE.com, its parent company Stratford Financial Solutions, Inc., and all officers, directors, shareholders, employees, contractors, affiliates, licensors, issues and agents (collectively, the “Indemnified Parties”) from and against any and all claims, demands, liabilities, losses, damages, judgments, settlements, fines, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or relating to:

• Your use or misuse of the Site or any document generated through the platform;
• Your breach or alleged breach of these Terms of Use;
• Your violation of any law, regulation, or third-party right (including, but not limited to, intellectual property, privacy, or contractual rights);
• Any dispute between you and any third party arising from your use of a document created using this Site;
• Any negligent, intentional, fraudulent, or unauthorized use of this Site or its materials.

This obligation survives termination of your account or cessation of your use of the Site. The Indemnified Parties reserve the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification by you and you agree to cooperate fully in the defense of any such claim.

Governing Law and Dispute Resolution

These Terms of Service and any dispute, claim, or controversy arising out of or relating to these Terms or your use of BuildaBOE.com shall be governed by and construed in accordance with the Federal Arbitration Act, applicable federal law, and the laws of the State of Texas, without regard to conflict of law principles that would result in the application of any other jurisdiction’s laws.

You and BuildaBOE.com agree that any and all disputes between us shall be resolved exclusively through binding individual arbitration rather than in court, except that either party may assert claims in small claims court in Gregg County, Texas, if such claims qualify for small claims jurisdiction. This agreement to arbitrate is intended to be broadly interpreted and includes, without limitation, all claims arising out of or relating to any aspect of our relationship, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and regardless of whether the claims arise during or after termination of these Terms.

The arbitration shall be administered by the American Arbitration Association under its Consumer Arbitration Rules, which are available at http://www.adr.org or by calling 1-800-778-7879. The arbitration shall be conducted by a single neutral arbitrator and shall take place in Gregg County, Texas, unless both parties agree to conduct the arbitration telephonically or by video conference. Before initiating formal arbitration proceedings, you must first send us a written description of your dispute to Legal Department, BuildaBOE.com, 414 E. Loop 281, Suite 17, Longview, TX 75605, and attempt to resolve the dispute in good faith for a period of thirty days.

You and BuildaBOE.com each expressly waive any right to bring or participate in any class, collective, or representative action. You may bring claims against us only in your individual capacity and not as a plaintiff or class member in any purported class, collective, representative, or private attorney general proceeding. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of representative or class proceeding. If this class action waiver is found to be unenforceable for any reason, then the entirety of this arbitration agreement shall be null and void, and the dispute shall proceed in court rather than arbitration.

For all arbitration claims seeking less than $10,000, BuildaBOE.com will pay all arbitration filing fees. For claims between $10,000 and $75,000, we will pay all AAA filing fees exceeding $250. For claims exceeding $75,000, filing fees and costs shall be allocated according to the AAA Consumer Arbitration Rules. Each party shall bear its own attorney’s fees unless applicable law provides otherwise or the arbitrator determines that a claim was brought in bad faith.

You have the right to opt out of this arbitration agreement by sending written notice of your decision to opt out to admin@buildaboe.com within thirty days of first accepting these Terms. Your opt-out notice must include your full name, registered email address, and a clear statement that you wish to opt out of the arbitration agreement. If you opt out of arbitration, all other provisions of these Terms remain in full effect, and any disputes will be resolved in the state or federal courts located in Gregg County, Texas.

This agreement to arbitrate shall survive any termination of your account or these Terms of Service. Any claim or cause of action you may have must be commenced within one year after the cause of action accrues, otherwise such claim or cause of action is permanently barred.

Severability

If any provision of these Terms of Service is held by a court of competent jurisdiction or arbitrator to be invalid, illegal, void, or unenforceable for any reason, that provision shall be modified to the minimum extent necessary to make it enforceable while preserving the original intent of the parties to the greatest extent possible. If such modification is not possible, the invalid provision shall be severed from these Terms, and the invalidity of that provision shall not affect the validity and enforceability of any remaining provisions, which shall continue in full force and effect.

The parties acknowledge that the arbitration agreement and class action waiver are essential and material terms of these Terms. Therefore, if the class action waiver in the Governing Law and Dispute Resolution section is found to be unenforceable in its entirety and cannot be reformed, then the entire arbitration agreement shall be null and void, but all other provisions of these Terms shall remain valid and enforceable. Similarly, if the entire arbitration agreement is found invalid or unenforceable for any reason other than the class action waiver, the parties agree that exclusive jurisdiction and venue for any disputes shall be in the state and federal courts located in Gregg County, Texas.

In the event that any provision relating to payment, refunds, or financial obligations is deemed unenforceable, the parties agree that the court or arbitrator shall reform such provision to achieve the closest lawful economic effect originally intended by the parties. No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision, and BuildaBOE.com’s failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

Membership Access

Digital PDF editions of works made available through BuildABOE.com are provided exclusively to users who have purchased paid membership subscriptions (Pro Monthly or Pro Annual). Membership access is personal, non-transferable, and non-assignable. Subscribers may not share, sublicense, sell, lease, or otherwise permit third-party access to their account or to any digital editions obtained through their subscription.

Prohibited Conduct

You shall not, under any circumstances, use this Site, its services, or any content generated through the platform for any unlawful, fraudulent, malicious, abusive, or unauthorized purpose. Prohibited conduct includes, without limitation:

• Unauthorized Distribution: Copying, reproducing, reselling, transmitting, distributing, sublicensing, or otherwise making available any digital edition, content, or service to third parties without the publisher’s prior written consent.
• Fraud and Misrepresentation: Using the Site or any generated document in connection with fraud, identity theft, financial manipulation, or other misrepresentation.
• Illegal Activities: Using the Site in any manner that violates United States federal law, the laws of the State of Texas, or applicable international law, including but not limited to activities related to money laundering, terrorist financing, or the unlawful discharge of financial obligations.
• Sovereign Citizen and Extra-Legal Misuse: Attempting to apply, circulate, or rely upon any document generated by this platform in connection with “sovereign citizen,” “common law court,” “living man/living woman,” or any analogous extra-legal theory. Such use is expressly disclaimed, constitutes misuse of the platform, and shall be treated as a violation of these Terms.
• Tampering and Unauthorized Access: Attempting to reverse engineer, decompile, hack, disable, disrupt, or otherwise interfere with the Site, its source code, or its underlying systems.
• Impersonation: Impersonating any person, entity, or government agency, or misrepresenting your identity, authority, or affiliation.
• Automated Access: Using bots, scrapers, crawlers, or other automated tools to access, extract, or copy any data or content from the Site.

Enforcement

BuildABOE.com reserves the absolute right to suspend, terminate, or permanently disable any account, without notice or refund, upon evidence or reasonable suspicion of any violation of these Conditions of Use. The publisher further reserves the right to report suspected violations to appropriate federal, state, and international authorities and to cooperate fully in any investigation or prosecution.

Violation of these Conditions of Use may subject the violator to civil liability, criminal prosecution, statutory damages, injunctive relief, and recovery of attorneys’ fees and costs. All rights and remedies of the publisher are cumulative and in addition to any rights provided by law or equity.

Prohibited Conduct

By accessing or using BuildaBOE.com, you agree that you shall not use this Site, its content, or any services offered for any unlawful, malicious, fraudulent, defamatory, harassing, abusive, libelous, obscene, deceptive, or otherwise egregious or nefarious purpose. This includes, without limitation:

• Engaging in or facilitating fraud, identity theft, or financial manipulation;
• Using the Site in connection with money laundering, terrorist activity, or any activity in violation of U.S. federal, state, or international law;
• Attempting to reverse engineer, hack, or interfere with the normal functioning of the Site or its underlying systems;
• Impersonating any person or entity or misrepresenting your affiliation or authority;
• Using any automated means to access, copy, or extract data from the Site;
• Generating or attempting to circulate instruments (including any document produced on this platform) for unlawful or unauthorized tendering or discharge of obligations.

BuildaBOE.com reserves the right to suspend or terminate your access immediately and without notice upon evidence or suspicion of any such conduct, and to cooperate with any legal authority investigating violations of law.

Assignment and Transfer

You may not assign, transfer, delegate, sublicense, or otherwise convey any of your rights or obligations under these Terms of Service to any third party without our prior written consent, which may be withheld in our sole discretion. This prohibition includes but is not limited to: transferring your account to another person or entity; sharing, selling, or gifting your login credentials or subscription benefits; allowing third parties to access our services through your account; transferring any licenses granted under these Terms; or attempting to transfer these Terms in connection with any sale, merger, or transfer of your assets. Any attempted assignment, transfer, or delegation in violation of this section shall be null and void and will result in immediate account termination.

BuildaBOE.com and Stratford Financial Solutions, Inc. may freely assign, transfer, or delegate these Terms and any rights or obligations hereunder without restriction and without notice to you, except that we will provide notice of any assignment that materially affects your rights. This includes the right to assign in connection with: any merger, acquisition, or sale of all or substantially all of our assets; any corporate reorganization, restructuring, or change of control; any sale or transfer of the BuildaBOE.com business or platform; creation of subsidiaries or affiliates that may operate the services; or engagement of third-party service providers to perform obligations on our behalf. You acknowledge that such assignments may result in a change of the entity providing services to you and agree that the assignee will have all of our rights and obligations under these Terms.

Account Transfer Upon Death: User accounts are personal, non-transferable licenses that terminate upon the account holder’s death. Heirs, estates, or beneficiaries have no right to access, inherit, or continue using a deceased user’s account. Upon receiving valid proof of death (death certificate and proof of authority to act for the estate), we will: (a) terminate the account effective immediately; (b) provide the estate representative with a final invoice showing any outstanding charges; and (c) upon written request, provide a certificate of account closure for estate administration purposes. We will not provide account access, generated documents, or account history to heirs or estate representatives, as documents are deleted after each session per our data retention policy. No refunds will be issued for unused subscription periods following death.

Corporate Accounts and Succession: If you are registering on behalf of a business entity, you represent and warrant that: you have authority to bind the entity to these Terms; the entity validly exists under applicable law; and you will notify us immediately of any change in your authority. Corporate accounts may be transferred only in connection with: merger or acquisition of the entity, provided the successor assumes all obligations under these Terms in writing; bankruptcy proceedings, subject to bankruptcy court approval and assumption of the Terms; or internal corporate reorganizations that do not change the ultimate parent company. Corporate transfers require 30 days’ advance written notice to admin@buildaboe.com with documentation proving the transfer’s validity and the transferee’s assumption of obligations.

Consequences of Unauthorized Transfer: Any unauthorized attempt to transfer, assign, or delegate rights under these Terms will result in: immediate termination of all accounts involved in the attempted transfer; forfeiture of any prepaid subscription fees; permanent prohibition from creating new accounts for all parties involved; potential legal action for breach of contract and damages; and reporting to fraud prevention services if the transfer attempt involves misrepresentation. We employ various technical measures to detect unauthorized transfers, including IP monitoring, device fingerprinting, and usage pattern analysis.

Survival of Obligations: In any permitted assignment or transfer, all provisions of these Terms that by their nature should survive such transfer will remain binding, including but not limited to: payment obligations incurred before transfer; indemnification obligations; limitation of liability provisions; dispute resolution and arbitration agreements; and confidentiality obligations. The transferee must explicitly agree to assume all obligations under these Terms, and the transferor remains liable for all obligations incurred before the effective date of transfer unless we explicitly release such obligations in writing.

Notice of Assignment: If BuildaBOE.com undergoes a change of control or assignment that materially affects service delivery, we will notify you via email at least 30 days in advance where commercially practicable. Such notice will identify the new service provider and any material changes to the services or Terms. Your continued use of the services after the effective date of assignment constitutes acceptance of the transfer and any modified terms. If you object to the assignment, your sole remedy is to cancel your subscription before the transfer effective date for a pro-rated refund of unused prepaid fees, notwithstanding our general no-refund policy.

Legal Notice: Intellectual Property Protection

All articles and guides are copyrighted by Stratford Financial Solutions, Inc., protected under 17 U.S.C. § 101 et seq. Unauthorized copying, reproduction, or distribution is prohibited without written consent. Content is for educational purposes only and may not be quoted or reused without attribution and permission. Violations may result in legal action including statutory damages under 17 U.S.C. § 504(c) and attorney’s fees under § 505.

No License Granted

No license, right, or interest is granted or implied by the publication of this content on this website. Any reproduction, adaptation, or distribution without authorization is an infringement of federal copyright law and applicable common law protections.

Disclaimer

This publication is not intended as legal, accounting, or financial advice. Nothing herein shall be construed as creating an attorney-client or advisor-client relationship. Any reliance on this material is at your own risk. Users should consult qualified professionals before acting on any information provided.

Data Security and Breach Notification

While BuildaBOE.com does not retain user-generated documents after session completion, we implement commercially reasonable administrative, physical, and technical safeguards to protect your information during active sessions and any temporarily processed data. These safeguards include encrypted data transmission using industry-standard SSL/TLS protocols, secure session management, and automated session termination after periods of inactivity. We maintain PCI DSS compliance for payment processing and employ firewalls, intrusion detection systems, and regular security audits to protect our infrastructure.

In the event of a data breach, security incident, or unauthorized access to our systems that may compromise user information (“Security Incident”), BuildaBOE.com will notify affected users within seventy-two (72) hours of discovering the incident, unless law enforcement or regulatory authorities request a delay. Notification will be sent to your registered email address and will include, to the extent known: the date and nature of the incident, the types of information potentially affected, steps we have taken to investigate and remediate the incident, and recommended actions you can take to protect yourself. We will also post a notice on our website if the incident affects a substantial number of users or if individual notification is not practicable.

Our breach response protocol includes immediate containment measures, forensic investigation to determine scope and impact, remediation of vulnerabilities, and cooperation with law enforcement when appropriate. We maintain cyber liability insurance and will provide any legally required notifications to state attorneys general, regulatory bodies, and consumer reporting agencies as applicable under state and federal breach notification laws, including but not limited to the Texas Identity Theft Enforcement and Protection Act and applicable provisions of the California Consumer Privacy Act.

Notwithstanding our security measures, you acknowledge that no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security of your information. BuildaBOE.com’s liability for any Security Incident shall be limited to the fees you paid for our services in the twelve months preceding the incident, except where such limitation is prohibited by law. This limitation does not apply to breaches resulting from our gross negligence or willful misconduct. You agree to notify us immediately at admin@buildaboe.com if you become aware of any unauthorized access to your account or any suspected security vulnerability in our systems.

We retain the right to modify our security practices and breach notification procedures as technology and regulatory requirements evolve, provided that such modifications do not materially reduce the overall level of security provided. Any material changes to this section will be communicated through email notification or prominent website notice at least thirty days before taking effect. Your continued use of our services after such notice constitutes acceptance of the modified security terms.

International Use and Compliance

BuildaBOE.com is operated from the United States and is primarily intended for use by United States residents. By accessing or using our services from outside the United States, you acknowledge and agree that your use is at your own risk and initiative, and you are solely responsible for compliance with all applicable local, national, and international laws and regulations. We make no representation that our services, content, or generated documents are appropriate, lawful, or available for use in any particular jurisdiction outside the United States.

If you access our services from the European Economic Area (EEA), United Kingdom, Switzerland, or any jurisdiction with data protection laws, you acknowledge that we process data in accordance with lawful bases including contract performance, legitimate interests, and consent where required. Under the General Data Protection Regulation (GDPR) and UK Data Protection Act 2018, you have rights including access to your personal data, rectification, erasure, data portability, restriction of processing, and objection to processing. To exercise these rights, contact our Data Protection Officer at admin@buildaboe.com. We will respond to valid requests within thirty days or as required by applicable law. You also have the right to lodge a complaint with your local supervisory authority if you believe our processing violates applicable data protection laws.

For international data transfers, we implement appropriate safeguards including standard contractual clauses approved by relevant authorities. By using our services from outside the United States, you explicitly consent to the transfer of your information to the United States, where data protection laws may differ from those in your jurisdiction. We do not intentionally collect or process data from individuals under the age of sixteen in the EEA or under the applicable age of consent in other jurisdictions without parental consent.

Users accessing our services from jurisdictions with specific regulatory requirements, including but not limited to Canada (PIPEDA), Australia (Privacy Act 1988), Brazil (LGPD), California (CCPA/CPRA), and other jurisdictions with comprehensive data protection frameworks, acknowledge that we strive to comply with applicable requirements but make no guarantee that our services fully comply with all local laws. You agree to indemnify and hold harmless BuildaBOE.com from any claims, penalties, or liabilities arising from your use of our services in violation of your local laws or regulations.

We reserve the right to restrict or terminate access to our services from any jurisdiction at our sole discretion, particularly where local laws conflict with our Terms of Service or create undue legal risk. We may implement geographic restrictions, IP blocking, or require additional certifications or acknowledgments from users in certain jurisdictions. If we determine that we cannot lawfully provide services to your jurisdiction, we will notify you and provide a pro-rated refund for any prepaid unused services, which shall be your sole remedy.

Electronic Signatures (E-Sign) and Communications

By accessing, using, or registering for BuildaBOE.com, you affirmatively consent to conduct business with us electronically and agree that all transactions, agreements, notices, disclosures, and other communications may be provided to you electronically, as permitted by the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), 15 U.S.C. § 7001 et seq., the Uniform Electronic Transactions Act (UETA), and applicable state law. This consent applies to all communications, agreements, and notices related to your use of our services, including but not limited to these Terms of Service, privacy policies, transaction receipts, account statements, tax documents, and any legally required disclosures.

Your electronic signature on any document, agreement, or form submitted through our platform has the same legal effect, validity, and enforceability as a handwritten signature on a paper document. Electronic signatures may include clicking “I Agree,” “Accept,” “Submit,” or similar buttons, typing your name in designated signature fields, checking boxes to indicate agreement, using digital signature methods, or any other electronic process we designate as constituting an electronic signature. You acknowledge that you have the legal capacity to enter into contracts and that your electronic actions constitute legally binding signatures.

To access and retain electronic communications, you must have: an active email address that you check regularly; internet access with a current web browser that supports 128-bit encryption; sufficient storage space or the ability to print documents for your records; and software capable of reading PDF files (Adobe Acrobat Reader or similar). You are responsible for maintaining these technical requirements and updating your email address and contact information through your account settings. If we become aware that an electronic communication was not successfully delivered, we may attempt to reach you through alternate means, including physical mail to your last known address, though we are not obligated to do so.

You have the right to withdraw your consent to electronic communications at any time by sending written notice to: Electronic Communications Opt-Out, BuildaBOE.com, 414 E. Loop 281, Suite 17, Longview, TX 75605, or emailing admin@buildaboe.com with “Withdraw Electronic Consent” in the subject line. Withdrawal of consent will not affect the legal validity and enforceability of any electronic communications provided or electronic signatures made prior to withdrawal. Please note that withdrawal of electronic consent may result in termination of your account, as our services are designed to operate electronically, and we may be unable to provide services through non-electronic means. If you withdraw consent, any remaining subscription period will be forfeited without refund, as alternative non-electronic service provision is not available.

You have the right to request paper copies of any electronic records, which will be provided for a fee of $25 per document to cover printing and mailing costs. Requests should be sent to admin@buildaboe.com with specific identification of the documents needed. We retain electronic records for the minimum period required by applicable law, typically seven years for tax-related documents and three years for general transactional records. You acknowledge that it is your responsibility to maintain copies of all electronic communications for your records, as we may purge records after applicable retention periods expire.

By using our services, you also consent to the use of electronic records to evidence agreements and transactions between us, and you waive any rights or requirements under any laws or regulations in any jurisdiction that require an original signature or delivery or retention of non-electronic records. This includes, to the extent permitted by applicable law, provisions of the Uniform Commercial Code, state banking laws, and any applicable international agreements or conventions. If any portion of this electronic consent is deemed invalid, you agree that we may still provide required notices through electronic means to the maximum extent permitted by law.

Subscription Terms and Billing Procedures

All BuildaBOE.com subscriptions (Monthly, Annually, Pro Monthly, and Pro Annual) automatically renew at the end of each billing cycle unless you cancel before the renewal date. By purchasing a subscription, you explicitly authorize us to charge your payment method automatically upon each renewal at the then-current subscription rate. Monthly subscriptions renew on the same calendar day each month (or the last day of the month if your initial purchase date does not exist in a given month), while annual subscriptions renew on the anniversary of your initial purchase. We will send you an email notification at least five (5) days before each renewal date, reminding you of the upcoming charge, the renewal amount, and instructions on how to cancel if desired. For annual subscriptions, we will send an additional reminder thirty (30) days before renewal.

If your payment method fails upon attempted renewal, we will implement the following retry schedule: first retry within 24 hours, second retry on day 3, third retry on day 5, and final retry on day 7. During this seven-day grace period, your account will remain active with full access to all features. We will notify you via email immediately upon the first failed payment and again with each retry attempt. If payment cannot be processed after the final retry on day 7, your account will be downgraded to restricted access, allowing you to log in and update payment information but preventing creation of new documents. After 30 days of failed payment, your account will be suspended entirely, though your account data will be retained for an additional 60 days to allow for reactivation.

You are responsible for keeping your payment information current, including updating credit card numbers, expiration dates, billing addresses, and email addresses. Payment methods may include credit cards, debit cards, PayPal, or other methods we designate as acceptable. If you update your payment information, you authorize us to continue charging the updated payment method, and you remain responsible for any uncollected amounts. We use third-party payment processors and are not responsible for their processing errors, though we will work in good faith to resolve any issues. You acknowledge that your financial institution or payment provider may charge fees for failed payment attempts, and we are not responsible for such fees.

We reserve the right to change subscription prices upon thirty (30) days’ advance notice, which will be provided via email to your registered address and through a prominent notice on our website. Price changes will take effect at the start of your next renewal period following the 30-day notice period. Your continued use of the service after the price change takes effect constitutes acceptance of the new pricing. If you do not agree to the price change, you may cancel your subscription before the renewal date, and you will retain access through the end of your current paid period. Promotional pricing, if any, applies only to the initial term specified in the promotion and will automatically convert to regular pricing upon renewal unless otherwise stated in the promotional terms.

For subscriptions purchased through third-party platforms (Apple App Store, Google Play, PayPal Subscriptions, WooCommerce, or other authorized resellers), billing and renewal are governed by the third party’s terms and policies. You must manage your subscription, including cancellation and payment updates, directly through the third-party platform. We cannot modify, cancel, or refund subscriptions purchased through third parties, and any grace periods, retry schedules, or price change notifications described herein may not apply to third-party purchases. You should review the subscription management policies of your purchase platform.

If we suspect fraudulent payment activity, we reserve the right to suspend your account immediately pending investigation. In the event of a pricing error where you are charged significantly less than the intended price due to our technical error, we reserve the right to either cancel your subscription with a full refund or offer you the option to continue at the correct price. Currency exchange rates, if applicable, are determined by our payment processor at the time of transaction, and any fluctuations between purchase and renewal are your responsibility. All amounts are stated in U.S. dollars unless explicitly indicated otherwise, and you are responsible for any taxes, duties, or fees imposed by your jurisdiction, except for taxes we are legally required to collect.

Copyright Infringement and DMCA Compliance

BuildaBOE.com respects the intellectual property rights of others and expects our users to do the same. In accordance with the Digital Millennium Copyright Act of 1998 (17 U.S.C. § 512) (“DMCA”), we will respond promptly to claims of copyright infringement committed using our service that are reported to our designated DMCA Agent identified below. If you are a copyright owner or authorized to act on behalf of one, and you believe that content available through our service infringes your copyright, you may submit a DMCA notice containing the following information:

Requirements for Valid DMCA Notice: Your notice must include: (a) physical or electronic signature of the copyright owner or authorized representative; (b) identification of the copyrighted work claimed to be infringed, or if multiple works, a representative list; (c) identification of the material claimed to be infringing, with sufficient detail for us to locate it (URLs, document names, timestamps); (d) your contact information including name, address, telephone number, and email address; (e) a statement that you have a good faith belief that use of the material is not authorized by the copyright owner, its agent, or the law; and (f) a statement that the information in your notice is accurate and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.

Submit DMCA Notices To: DMCA Agent BuildaBOE.com Legal Department 414 E. Loop 281, Suite 17 Longview, TX 75605 Email: admin@buildaboe.com Phone: 903.215.8043

Please note that under Section 512(f) of the DMCA, any person who knowingly materially misrepresents that material is infringing may be subject to liability for damages, including costs and attorneys’ fees. We recommend consulting with legal counsel before filing a DMCA notice.

Counter-Notification Procedures: If you believe your content was removed in error, you may submit a counter-notification containing: (a) your physical or electronic signature; (b) identification of the material removed and its location before removal; (c) a statement under penalty of perjury that you have a good faith belief the material was removed due to mistake or misidentification; (d) your name, address, telephone number, and email address; (e) a statement that you consent to jurisdiction of the Federal District Court for the Eastern District of Texas, and that you will accept service of process from the person who provided the original DMCA notice; and (f) the statement “I swear, under penalty of perjury, that I have a good faith belief that the material was removed or disabled as a result of mistake or misidentification of the material.”

Upon receipt of a valid counter-notification, we will forward it to the original complainant and inform them that we will restore the material in 10-14 business days unless they notify us that they have filed a court action seeking to restrain the allegedly infringing activity. Counter-notifications should be sent to the same DMCA Agent address listed above.

Repeat Infringer Policy: BuildaBOE.com maintains a policy of terminating user accounts in appropriate circumstances when users are determined to be repeat infringers. A repeat infringer is a user who has been notified of infringing activity more than twice or who has had content removed more than twice following DMCA procedures. We reserve the right to terminate accounts immediately upon the first instance if the infringement is egregious, willful, or involves commercial piracy. Terminated users are prohibited from creating new accounts, and any attempt to circumvent this prohibition may result in legal action.

User Obligations and Indemnity: By using our service, you represent and warrant that you own or have all necessary rights to any content you upload, input, or create through our platform. You agree not to use our service to: create documents containing unauthorized copyrighted text, images, or designs; generate Bills of Exchange using copyrighted financial instruments as templates without permission; or systematically copy or reproduce documents created by other users. You agree to indemnify and hold BuildaBOE.com harmless from any claims resulting from your violation of third-party intellectual property rights, including reasonable attorneys’ fees and costs.

We do not actively monitor user-generated content but reserve the right to remove or disable access to any material we believe, in our sole discretion, may infringe third-party rights or violate these Terms. The fact that we have not removed content does not constitute a waiver of our right to do so. We have no obligation to adjudicate ownership disputes and may remove disputed content until the parties resolve their dispute or provide us with a court order.

Age Requirements and Verification

You must be at least eighteen (18) years of age to use BuildaBOE.com or any of its services. By creating an account, accessing our services, or clicking any acceptance button, you affirmatively represent and warrant that you are 18 years or older and have the legal capacity to enter into binding contracts under applicable law. If you are under 18, you are strictly prohibited from using our services, and any attempt to circumvent this restriction through false information constitutes fraud and material breach of these Terms.

During registration, you must provide your date of birth and check a box affirming that you are 18 or older. We employ automated age verification that calculates your age from the provided date of birth and blocks registration for anyone indicating they are under 18. Providing false age information is grounds for immediate account termination without refund, and may subject you to liability for fraud. We reserve the right to require additional age verification at any time, including but not limited to: government-issued identification, credit card verification (as minors typically cannot obtain credit cards independently), knowledge-based authentication questions, or third-party age verification services.

Parental Controls and Minor Protection: BuildaBOE.com does not knowingly collect, use, or disclose personal information from children under the age of 13 in compliance with the Children’s Online Privacy Protection Act (COPPA), 15 U.S.C. §§ 6501-6506. If we discover that a child under 13 has provided us with personal information, we will immediately delete such information and terminate the associated account. Parents or guardians who believe their child under 13 has provided us with personal information should contact us immediately at admin@buildaboe.com, and we will take steps to remove such information and terminate the child’s account within 48 hours.

For users between ages 13 and 17, while our services are not intended for this age group and they are prohibited from creating accounts, we recognize that minors may attempt to access our platform. Parents and legal guardians of minors under 18 may request account termination by providing: (a) proof of parental relationship or guardianship (birth certificate, court order, or notarized affidavit); (b) identification of the minor’s account (username, email address); and (c) a signed statement requesting account deletion. Upon verification, we will terminate the account within 5 business days and provide written confirmation.

Suspected Minor Usage Protocol: If we have reasonable suspicion that a user is under 18, we may immediately suspend the account pending age verification. Indicators that may trigger suspension include but are not limited to: user behavior patterns consistent with minors, reports from other users, information from linked social media accounts, content of generated documents suggesting minor status, or payment methods typically unavailable to minors being declined. During suspension, you must provide government-issued photo identification proving you are 18 or older within 14 days. Acceptable documents include: driver’s license, passport, state-issued ID card, or military ID. Documents must be legible, current (not expired), and show a date of birth confirming you are 18 or older.

Educational Institution Provisions: If you are an educator or educational institution seeking to use our services for instructional purposes involving students under 18, you must contact admin@buildaboe.com before allowing any student access. Educational use requires: (a) written agreement with additional terms and restrictions; (b) educator supervision at all times; (c) parental consent forms for each student; (d) agreement that students will not create personal accounts; and (e) acknowledgment that BuildaBOE.com is not intended for K-12 educational use and we provide no warranties for such use. We reserve the right to refuse educational access at our sole discretion.

Consequences of Age Misrepresentation: If we determine that you have misrepresented your age to access our services, we will: immediately and permanently terminate your account without notice; forfeit any fees paid without refund; preserve evidence of the misrepresentation for potential legal action; report the incident to appropriate authorities if required by law; and pursue all available legal remedies including recovery of damages, costs, and attorneys’ fees. Additionally, you will be permanently banned from creating future accounts, and we may employ device fingerprinting, IP tracking, and other technical measures to enforce this ban.

International Age Requirements: For users accessing our services from outside the United States, you must be the greater of: (a) 18 years old, or (b) the age of majority in your jurisdiction. In jurisdictions where the age of majority exceeds 18 (such as 19 in Alabama and Nebraska, 21 in Mississippi), you must meet that higher age requirement. For EU users, you must be at least 16 years old even if your member state allows lower ages for digital consent under GDPR Article 8. We make no accommodation for “digital consent” ages lower than our stated minimums, regardless of local law provisions.

Professional Liability and Unauthorized Practice of Law

BuildaBOE.com is a document preparation and formatting service only. We are not a law firm, do not employ attorneys in the provision of our services, and do not provide legal representation or advice. The information and documents generated through our platform are not a substitute for the advice of an attorney licensed in your jurisdiction. We do not carry professional liability insurance or errors and omissions (E&O) insurance for legal malpractice because we do not engage in the practice of law. Any review services we offer are limited to formatting, grammar, and technical document assembly, not legal sufficiency or enforceability.

State Bar Compliance Notices: In compliance with state bar regulations regarding unauthorized practice of law (UPL), we explicitly disclaim that: (a) we cannot select which legal forms or documents would be appropriate for your situation; (b) we cannot advise you about your legal rights, remedies, defenses, options, or strategies; (c) we cannot review your answers for legal sufficiency or provide legal opinions about your specific situation; (d) we cannot represent you in court or before any government agency; and (e) we do not maintain attorney-client privilege or confidentiality protections equivalent to those provided by licensed attorneys. Several states including California, Texas, Florida, and New York have specific requirements for non-lawyer document preparation services, and we operate in compliance with these regulations as a self-help service where consumers themselves select forms and provide their own information.

Specific State Disclaimers: California: We are not a “legal document assistant” registered in any California county and cannot provide services meeting California Business and Professions Code §§ 6400-6415 requirements. California users must select and complete their own documents without our guidance on which documents to use. Texas: Under Texas law, BuildaBOE.com is not a licensed attorney and cannot select forms or advise you on legal matters. This service is not regulated by the Texas Supreme Court or State Bar of Texas. Florida: We are not a “nonlawyer” as defined in Florida Supreme Court Rule 10-2.1 and do not provide any services requiring such registration. New York: We are not registered as a “document preparer” under New York law and provide only self-directed document formatting services.

Professional Liability Limitations: To the maximum extent permitted by law, BuildaBOE.com, Stratford Financial Solutions, Inc., and all officers, directors, employees, contractors, and agents shall have no liability for: (a) any legal consequences resulting from your use of documents generated through our platform; (b) rejection of documents by courts, financial institutions, or any third parties; (c) failure of documents to achieve your intended legal or financial objectives; (d) any damages resulting from errors, omissions, or inaccuracies in generated documents; (e) adverse legal judgments, penalties, or sanctions resulting from document use; or (f) any claims that would typically be covered by legal malpractice insurance if we were a law firm, which we are not.

Insurance Disclosure: BuildaBOE.com maintains general commercial liability insurance and cyber liability insurance for data breaches and system security, but specifically does not maintain: professional liability insurance for legal services, errors and omissions insurance for legal advice, legal malpractice insurance, or any coverage for the unauthorized practice of law. Users acknowledge that no insurance coverage exists for claims related to legal accuracy, sufficiency, or outcomes of documents created through our platform. You are strongly encouraged to obtain independent legal review of any documents before use and to verify that your use complies with all applicable laws and regulations.

Competent Legal Counsel Recommendation: We strongly recommend that you consult with a licensed attorney in your jurisdiction before using any document generated through our platform for any purpose, particularly for: financial instruments exceeding $10,000 in value; documents intended for submission to courts or government agencies; instruments affecting real property rights; documents involving complex financial transactions; matters involving potential criminal liability; or any situation where legal rights or significant financial interests are at stake. Many state and local bar associations offer low-cost or free legal consultations, and we encourage you to utilize these resources. The modest cost of legal consultation is minimal compared to potential adverse consequences of using legally insufficient documents.

Regulatory Compliance and Reporting: We cooperate with all state bar investigations regarding unauthorized practice of law and maintain records sufficient to demonstrate our compliance with applicable regulations. If you believe any aspect of our service constitutes unauthorized practice of law in your jurisdiction, please report your concerns to your state bar association and notify us at admin@buildaboe.com. We take all UPL concerns seriously and will promptly investigate and remediate any validated issues. Users agree to cooperate with any regulatory investigation and acknowledge that using our services for purposes we explicitly disclaim may itself violate professional conduct rules if you are a licensed professional.

Hold Harmless for Professional Liability: You agree to indemnify, defend, and hold harmless BuildaBOE.com and Stratford Financial Solutions, Inc. from any claims, demands, losses, liabilities, and expenses (including attorneys’ fees) arising from: allegations that we engaged in unauthorized practice of law through your use of our services; claims that would typically be covered by legal malpractice insurance; any professional liability claims related to documents you generate; regulatory actions, bar complaints, or UPL investigations triggered by your use of our platform; and any third-party claims that you represented our services as legal advice or that you had attorney representation through our platform.

Tax Obligations and Responsibilities

All fees and prices listed on BuildaBOE.com are exclusive of applicable taxes unless explicitly stated otherwise. You are responsible for paying all taxes, duties, levies, and assessments associated with your use of our services, excluding only taxes based on BuildaBOE.com’s net income. This includes, without limitation, sales tax, use tax, value-added tax (VAT), goods and services tax (GST), digital services tax (DST), consumption tax, and any other transactional taxes imposed by federal, state, local, or foreign tax authorities. If we are legally required to collect taxes on our services in your jurisdiction, the applicable tax will be calculated and added to your total at checkout based on the billing address you provide.

U.S. Sales Tax: BuildaBOE.com is required to collect sales tax in jurisdictions where we have established nexus under applicable state laws, including but not limited to Texas, where our physical headquarters creates nexus, and any states where economic nexus thresholds are met under post-Wayfair legislation (typically $100,000 in sales or 200+ transactions annually). Sales tax rates are calculated automatically based on your billing zip code using our third-party tax compliance service and will be displayed before payment confirmation. If you are exempt from sales tax, you must provide a valid exemption certificate before purchase by emailing admin@buildaboe.com with: (a) completed exemption certificate for your state; (b) resale certificate or direct pay permit if applicable; (c) tax-exempt organization determination letter if claiming nonprofit exemption. We reserve the right to retroactively charge sales tax if an exemption certificate is later determined to be invalid.

International Taxes and VAT: For users outside the United States, you are solely responsible for determining and paying any applicable VAT, GST, or similar consumption taxes to your local tax authority, unless we are legally required to collect such taxes. For European Union customers, you must provide a valid VAT identification number during registration if you are a business customer seeking reverse charge treatment. Without a valid EU VAT ID, we will charge the appropriate VAT rate for your country of residence. For UK customers, UK VAT at the current standard rate (20% as of these Terms) will be added to all purchases unless you provide a valid UK VAT number for reverse charge application. If we are not registered in your jurisdiction but VAT or GST applies, you are responsible for self-assessing and remitting the tax directly to your tax authority.

Tax Calculation and Disputes: Tax amounts are calculated based on the billing information you provide at the time of purchase. You are responsible for providing accurate and complete billing information, including your correct legal name, address, and tax identification numbers where required. If you relocate or your tax status changes, you must update your billing information immediately, but such changes will only apply prospectively to future transactions. We will not refund previously collected taxes based on retroactive address or status changes unless required by law. If you believe taxes have been calculated incorrectly, you must notify us within 30 days of the charge by emailing admin@buildaboe.com with documentation supporting your claim. We will review disputes in good faith but make no guarantee of adjustment unless calculation error is demonstrated.

Withholding Tax: If you are required by law to withhold taxes from payments to us, you must pay us the net amount after withholding and provide us with official tax receipts or other documentation of the withholding within 30 days of payment. The gross amount before withholding will be considered the amount due, and you remain responsible for ensuring we receive the full subscription price net of any withholding. If withholding reduces your payment below our full fee, we reserve the right to suspend or terminate your access until the full amount is received. For jurisdictions with tax treaties with the United States, you must provide appropriate treaty documentation (IRS Form W-8BEN or equivalent) to claim reduced withholding rates.

Tax Indemnification: You agree to indemnify and hold harmless BuildaBOE.com and Stratford Financial Solutions, Inc. from any taxes, penalties, interest, or fines arising from: (a) your failure to pay taxes you are responsible for under these Terms; (b) provision of incorrect tax information or invalid exemption certificates; (c) your failure to properly withhold or remit taxes where required; (d) tax authority audits or assessments related to your account or transactions; and (e) any misrepresentation of your tax status or location. This indemnification includes reasonable costs of responding to tax authority inquiries, audits, or proceedings related to your tax obligations.

Invoice and Tax Documentation: Tax-compliant invoices showing all charged taxes will be available in your account dashboard immediately after each transaction and can be downloaded in PDF format for your records. Annual tax summaries showing total payments and taxes collected will be available by January 31st of each year for the previous tax year. For business customers requiring specific invoice formatting or additional tax documentation (such as Form 1099 for U.S. businesses or specialized VAT invoices for EU customers), please contact admin@buildaboe.com with your requirements. We will make reasonable efforts to accommodate special invoicing needs but cannot guarantee compliance with all jurisdiction-specific requirements.

Changes to Tax Requirements: Tax laws and rates change frequently, and we reserve the right to adjust tax collection practices and rates without prior notice to comply with new or modified tax obligations. Your continued use of our services after tax changes constitutes acceptance of the new tax amounts. If new taxes are imposed retroactively by any authority, we reserve the right to collect such taxes from you for past transactions to the extent permitted by law, with notice and opportunity to provide exemption documentation if applicable.

Third-Party Services and Integrations

BuildaBOE.com integrates with various third-party services to provide payment processing, authentication, analytics, and other functionality. These third-party services include but are not limited to: payment processors (PayPal, Stripe, Square), app stores (Apple App Store, Google Play Store), e-commerce platforms (WooCommerce), cloud service providers (Amazon Web Services, Google Cloud), analytics services (Google Analytics), and other service providers we may engage from time to time. Your use of our services may require you to accept additional terms, policies, or agreements from these third parties, and you are responsible for reviewing and complying with such third-party terms.

Third-Party Payment Processors: When you make a payment through BuildaBOE.com, your payment information is processed directly by our third-party payment processors, not by us. We do not store, have access to, or control your full credit card numbers, bank account details, or payment credentials. These processors have their own privacy policies and terms of service governing the collection and use of your payment information. We are not responsible for the actions, errors, or omissions of payment processors, including but not limited to: processing errors, incorrect charges, payment delays, security breaches of payment data, declined transactions, or service outages. Any disputes regarding payment processing should first be directed to the payment processor, though we will assist in good faith to help resolve issues.

App Store Purchases: If you purchase a subscription through the Apple App Store, Google Play Store, or any other app marketplace, your purchase is subject to the store’s terms of service and policies, which govern over any conflicting provisions in these Terms. Key differences include: (a) billing and renewal are managed entirely by the app store, not by us; (b) refunds must be requested through the app store’s refund process, not from us; (c) our “no refund” policy does not apply as app stores have their own refund policies; (d) subscription management, including cancellation, must be done through your app store account settings; (e) pricing may differ from our website due to app store fees and currency conversions; (f) app stores may collect additional taxes or fees beyond what we specify; and (g) certain features or payment options available on our website may not be available through app versions.

WooCommerce and E-Commerce Integrations: For purchases made through WooCommerce or other e-commerce platform integrations on affiliated sites, transaction processing, order fulfillment, and customer service may be handled by the platform operator rather than directly by BuildaBOE.com. While we strive to ensure consistency across all sales channels, terms specific to the e-commerce platform may apply, including different refund policies, shipping terms for any physical materials, and customer service response times. You acknowledge that technical issues with these platforms may prevent access to your subscription, and our liability for such outages is limited to working with the platform to restore access.

Third-Party Service Disclaimers: WE EXPLICITLY DISCLAIM ALL LIABILITY FOR THIRD-PARTY SERVICES. We do not endorse, warrant, or guarantee any products or services offered by third parties, and we are not a party to the agreements between you and third-party providers. Third-party services are provided “AS IS” without warranties of any kind. We are not responsible for: (a) the availability, accuracy, security, or reliability of third-party services; (b) any losses or damages resulting from your reliance on or use of third-party services; (c) any unauthorized access to your accounts with third parties; (d) changes to third-party terms, policies, or functionality that affect our services; (e) removal of our app from app stores or termination of third-party integrations; or (f) any acts or omissions of third-party service providers.

Data Sharing with Third Parties: To provide our services, we may share certain information with third-party services as follows: payment processors receive billing information necessary to process transactions; analytics services receive anonymized usage data to help us improve our services; cloud providers store encrypted data as part of our infrastructure; customer support tools may access account information when you request help; and email service providers process notification deliveries. Each third-party service has its own privacy policy governing data use, and we encourage you to review these policies. We implement reasonable contractual protections requiring third parties to protect your information, but we cannot guarantee their compliance and are not liable for their data practices.

Third-Party Links and Content: Our services may contain links to third-party websites, resources, or content that we do not control. These links are provided for convenience only and do not constitute endorsement or approval. We have no control over and assume no responsibility for the content, privacy policies, terms, or practices of third-party sites. Your interactions with third-party sites are solely between you and the third party. We strongly advise you to review the terms and privacy policies of any third-party sites you visit. The inclusion of any link does not imply affiliation, endorsement, or adoption of the site’s content or policies.

Changes to Third-Party Services: Third-party providers may change, suspend, or discontinue their services at any time, which may affect the availability or functionality of our services. We will make reasonable efforts to notify you of significant changes that materially impact your use of BuildaBOE.com, but we are not obligated to maintain any particular third-party integration. If a critical third-party service becomes unavailable, we will attempt to implement alternative solutions but make no guarantee of feature parity. Your sole remedy for dissatisfaction with third-party service changes is to cancel your subscription according to the cancellation terms in these Terms.

Indemnification for Third-Party Claims: You agree to indemnify and hold harmless BuildaBOE.com from any claims, losses, or damages arising from: your violation of third-party terms of service; your disputes with third-party providers; unauthorized use of your third-party accounts that affects our services; content you submit through third-party platforms; or any misuse of third-party integrations. This indemnification specifically includes any claims by app stores, payment processors, or other integrated services alleging that your use violates their policies or causes them damages.

California Legal Notice (CCPA & CPRA)

Effective Date: July 1, 2025

Pursuant to the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), California residents are entitled to specific rights regarding their personal information. This includes:

• The right to know what data is collected and how it is used;
• The right to request deletion or correction of personal data;
• The right to opt-out of any sale or sharing of personal data (we do not sell or share);
• The right to non-discrimination for exercising these rights.

BuildaBOE.com does not store user-generated data after session completion and does not engage in cross-context behavioral advertising. To exercise any rights under the CCPA, submit a verifiable request via email to admin@buildaboe.com.

ADA Notice and Accessibility

BuildaBOE.com is committed to digital accessibility for all users, including those with disabilities. We strive to meet Web Content Accessibility Guidelines (WCAG) 2.1 standards and will provide reasonable accommodations upon request. To request ADA accommodations or report accessibility issues, contact admin@buildaboe.com.

Modification of Terms

BuildaBOE.com reserves the right to update or revise these Terms at any time without prior notice. Continued use of the Site constitutes your acceptance of the modified Terms.

BuildABOE.com
414 E. Loop 281, Suite 17
Longview, TX 75605
Email: admin@buildaboe.com
Website: www.buildaboe.com

By using this Site, you affirm that you have read, understood, and agreed to be bound to these Terms and Conditions in their entirety.

Americans with Disabilities Act (ADA) Accommodations

BuildaBOE.com is committed to ensuring equal access to all of its services for individuals with disabilities. In accordance with the Americans with Disabilities Act (ADA), we strive to provide reasonable accommodations to enable all clients, guests, and participants to fully engage with our financial, tax, estate planning, and related services.

ADA Accommodation Request

If you have a disability and anticipate needing an accommodation to participate in any of our services, please notify us by submitting a written request using our ADA Accommodation Request Form. We recommend submitting your completed request at least 10 business days prior to the date you require the accommodation. Each request will be reviewed in good faith and, where necessary, we may engage in an interactive process with you to identify the most appropriate accommodation.

Please direct requests or questions regarding accommodations to:

BuildABOE.com
414 E. Loop 281, Suite 17
Longview, TX 75605
Email: admin@buildaboe.com
Website: www.buildaboe.com

ADA Grievance Procedure

If you believe you have been denied access to any of our services or programs due to a disability, or that a reasonable accommodation has not been provided, you may file a grievance.

Step 1: Submit a Written Grievance

Complete the ADA Grievance Form, including:

1. Your full name and contact information
2. Description of the issue or denial of accommodation
3. Relevant dates, services affected, and staff contacted

Step 2: Send the Form

1. Submit the completed grievance by email, in person, or by mail to our ADA Compliance Coordinator within 45 days of the incident.
2. Assistance in preparing or submitting a grievance will be provided upon request to ensure accessibility.

Step 3: Review and Resolution

We will acknowledge your grievance within 5 business days and begin a prompt review. The ADA Coordinator may request additional information if necessary. We will seek informal resolution where appropriate. If unresolved informally, the coordinator will complete a written assessment and proposed resolution within 45 business days of receipt. A final decision will be communicated to the complainant in writing within 60 days.

Forms Available Upon Request

To request an ADA Accommodation Request Form or ADA Grievance Form, please contact our ADA Compliance Coordinator using the information above.

© 2025 BuildaBOE.com – All Rights Reserved
© 2025 Stratford Financial Solutions, Inc. – All Rights Reserved.
No Claim to Government Works

Government, ASC and FASB materials are shared for educational and informational purposes only; all excerpts remain the copyrighted property of the Financial Accounting Standards Board (FASB) and the appropriate federal, state, or local government and are used under fair use or with permission where necessary, or required.

Entire Agreement and Integration

These Terms of Service, together with our Privacy Policy, Cookie Policy, and any additional terms you accept when using specific features or services (collectively, the “Agreement”), constitute the entire agreement between you and BuildaBOE.com (including Stratford Financial Solutions, Inc.) concerning your use of our services and supersede all prior or contemporaneous agreements, understandings, negotiations, representations, warranties, and communications, whether written or oral, relating to the subject matter hereof. This includes but not limited to: any prior versions of these Terms of Service; any representations made by sales personnel, customer service representatives, or marketing materials that contradict these Terms; any oral agreements or side agreements not explicitly incorporated herein; any purchase orders, invoices, or other business forms that contain different or additional terms; and any implied agreements or understandings based on course of dealing or industry custom.

No modification, amendment, or waiver of any provision of these Terms will be effective unless in writing and signed by an authorized representative of BuildaBOE.com with explicit intent to modify these Terms. Modifications expressly exclude: automatic emails or system-generated responses; customer service communications attempting to resolve specific issues; verbal statements by any personnel, regardless of title or apparent authority; annotations, alterations, or additions you make to these Terms; and any terms proposed in your purchase orders or other documents, which are expressly rejected. We may update these Terms as provided in the “Modification of Terms” section, but such updates follow the notification procedures specified therein and do not constitute bilateral amendments.

Order of Precedence: In the event of any conflict or inconsistency between these Terms and other documents or communications, the following order of precedence applies: (1) any written amendment to these Terms signed by both parties with explicit modification intent; (2) these Terms of Service as updated from time to time; (3) supplemental terms for specific features or services that you explicitly accept; (4) our Privacy Policy for privacy-related matters only; (5) our Cookie Policy for cookie-related matters only; and (6) any other policies or guidelines referenced in these Terms. Marketing materials, promotional offers, website content descriptions, and customer service communications are for informational purposes only and do not modify these Terms.

No Reliance on Extra-Contractual Statements: You acknowledge that in entering into these Terms, you have not relied on any statement, representation, warranty, promise, assurance, or understanding (whether negligently or innocently made) of any person (whether party to these Terms or not) other than as expressly set out in these Terms. You waive all rights and remedies which might otherwise be available to you in respect of any such statements, representations, warranties, promises, or assurances. Nothing in this clause limits or excludes liability for fraudulent misrepresentation or any statutory rights that cannot be waived under applicable law.

Parol Evidence and Interpretation: These Terms are intended as the final expression of the parties’ agreement and as a complete and exclusive statement of the terms of that agreement. Neither party has entered into these Terms in reliance upon any representation, warranty, or undertaking of the other party that is not expressly set out or referred to in these Terms. In any dispute regarding the interpretation or enforcement of these Terms, no party may introduce evidence of prior or contemporaneous oral agreements, negotiations, or understandings that contradict, modify, or supplement these written Terms, except to the extent permitted by applicable law for cases of fraud, mutual mistake, or ambiguity requiring clarification.

Severability of Integration: If any court or arbitrator determines that any part of this Entire Agreement clause is invalid or unenforceable, the remainder of the clause shall continue in full effect to the maximum extent permitted by law. Specifically, even if the integration aspects are deemed unenforceable, the provision that these Terms constitute the operative agreement between the parties remains valid. The invalidity of the integration clause does not revive any prior agreements or understandings, which remain superseded to the fullest extent legally permissible.

Language and Translation: The English language version of these Terms is the authoritative version and will govern in all respects. Any translations provided are for convenience only and have no legal effect. In case of any discrepancy between the English version and any translation, the English version prevails. All communications, notices, and dispute resolution proceedings relating to these Terms shall be conducted in English. You waive any right you may have under the law of your jurisdiction to have these Terms written or construed in any language other than English.