Terms and Conditions

Agreement to Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you (whether personally or on behalf of an entity) and Wood 19, Inc., doing business as Carrier Connect AI and FYLZ AI ("Wood 19," "we," "us," or "our"), concerning your access to and use of our websites, platforms, and services.

Company Information:

• Legal Name: Wood 19, Inc.
• DBAs: Carrier Connect AI, FYLZ AI
• Address: 5890 Paddington Way, Boca Raton, FL 33496
• Phone: 212-516-3959
• Email: Legal@fylz.ai BY ACCESSING OR USING OUR SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS, YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND MUST DISCONTINUE USE IMMEDIATELY.

We reserve the right to change, modify, add, or remove portions of these Terms at any time at our sole discretion. We will provide notice of material changes through our Services or via email to Legal@fylz.ai. Your continued use of the Services after such modifications constitutes your acceptance of the updated Terms.

1Definitions

For purposes of these Terms:

• "Carrier Connect" refers to our carrier connectivity and management platform.
• "FYLZ" (also marketed as "FYLZ AI") refers to our AI-powered document and data management platform.
• "Services" means collectively all websites, platforms, software, applications, APIs, and services offered by Wood 19, Inc. under any of our business names, including but not limited to Carrier Connect and FYLZ.
• "Content" means text, software, scripts, graphics, photos, sounds, music, videos, audiovisual combinations, interactive features, and other materials you may view on, access through, or contribute to the Services.
• "User Content" means any content, data, files, or information that you upload, submit, post, or transmit through the Services.
• "Subscription" means a recurring payment arrangement for continued access to the Services.
• "One-Time Purchase" means a single payment for defined access or usage of the Services.

2Our Services

2.1 Service Descriptions

Wood 19, Inc. provides the following services:

Carrier Connect AI: An AI-powered platform designed to streamline carrier connectivity, management, and communication processes for logistics and transportation businesses.

FYLZ AI: An advanced AI-powered platform for secure document management, intelligent search, data analysis, and knowledge management that enables users to store, organize, and interact with documents and data.

2.2 Service Availability

The Services are available to users globally, subject to applicable laws and regulations. However, we do not represent that the Services are appropriate or available for use in all locations. Those who access the Services from other locations do so on their own initiative and are responsible for compliance with local laws.

2.3 Compliance and Restrictions

The Services are SOC 2 compliant and designed with enterprise-grade security standards. However, the Services are not tailored to comply with industry-specific regulations such as the Health Insurance Portability and Accountability Act (HIPAA), Federal Information Security Management Act (FISMA), or similar healthcare-specific regulations. If your use would be subject to such laws, you may not use the Services for such purposes without entering into a separate Business Associate Agreement or similar arrangement.

You may not use the Services in any way that would violate the Gramm-Leach-Bliley Act (GLBA) or any other applicable financial services regulations without proper authorization and compliance measures.

2.4 Service Modifications

We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time, with or without notice. We may also impose limits on certain features or restrict access to parts or all of the Services without notice or liability.

2.5 Authorization to Access Carrier Portals and Third-Party Systems

By connecting a carrier portal, bank, agency management system, or other third-party account to the Services, you expressly authorize Wood 19, Inc. and its automations to access that account on your behalf — as your authorized agent and at your direction — to retrieve, download, and process commission statements, deposits, renewals, claims reports, book-of-business data, and other documents and data available to your account.

You represent and warrant that (a) you are the authorized holder of, or have the right to use and share, each credential you connect; (b) you have the authority to grant us the access described above; and (c) your grant of access does not violate any agreement between you and the applicable third party. You are responsible for keeping connected credentials current and for promptly disconnecting any account you no longer wish the Services to access.

Your relationship with each carrier, bank, or other third party is governed solely by your agreement with that party. We access third-party systems only as directed by you and only to provide the Services.

3Intellectual Property Rights

3.1 Our Intellectual Property

We are the owner or licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, graphics, and other content (collectively, "Our Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks").

Our Content and Marks are protected by copyright, trademark, patent, trade secret, and other intellectual property laws of the United States and foreign countries. The Marks include but are not limited to:

• Wood 19®
• Carrier Connect®
• Carrier Connect AI®
• FYLZ®
• FYLZ AI® Our Content and Marks are provided in or through the Services "AS IS" for your internal business use or personal use only.

3.2 License to Use Our Services

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to:

• Access and use the Services for your internal business purposes or personal use;
• Download or print a copy of any portion of the Content to which you have properly gained access; and
• Use the Services in accordance with the specific plan or subscription you have purchased.

This license does not include any rights to:

• Resell or make commercial use of the Services or Our Content;
• Collect or use product listings, descriptions, or prices;
• Make derivative use of the Services or Our Content;
• Use data mining, robots, or similar data gathering and extraction tools;
• Download (other than page caching) any portion of the Services or Our Content except as expressly permitted.

3.3 Use Restrictions

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

If you wish to make any use of the Services, Content, or Marks other than as permitted in these Terms, please submit your request to Legal@fylz.ai. We may grant or deny such requests in our sole discretion.

3.4 Feedback and Submissions

If you provide us with any feedback, suggestions, ideas, or other information about the Services ("Feedback"), you grant us an unrestricted, irrevocable, perpetual, royalty-free right to use, reproduce, disclose, distribute, and otherwise exploit such Feedback for any purpose, commercial or otherwise, without acknowledgment or compensation to you.

3.5 Third-Party Content and Links

The Services may contain links to third-party websites or services that are not owned or controlled by Wood 19, Inc. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. We do not warrant the offerings of any such third parties.

4User Representations and Warranties

By using the Services, you represent and warrant that:

1. All registration information you submit is true, accurate, current, and complete; 2. You will maintain the accuracy of such information and promptly update it as necessary; 3. You have the legal capacity and authority to comply with these Terms; 4. You are not a minor in the jurisdiction in which you reside (generally under 18 years of age), or if a minor, you have received parental permission to use the Services; 5. You will not access the Services through automated or non-human means, whether through a bot, script, or otherwise, except through authorized APIs; 6. You will not use the Services for any illegal or unauthorized purpose; 7. Your use of the Services will not violate any applicable law or regulation; 8. You have the necessary rights, licenses, and permissions to upload or submit any User Content; 9. If using the Services on behalf of an organization, you have the authority to bind that organization to these Terms;

10. You will not use the Services to compete with Wood 19, Inc. or for benchmarking purposes without our express written consent. If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services.

5User Registration and Accounts

5.1 Account Creation

You may be required to register for an account to access certain features of the Services. When you register, you agree to:

• Provide accurate, current, and complete information;
• Maintain and promptly update your account information;
• Maintain the security of your account credentials;
• Accept all risks of unauthorized access to your account and information;
• Immediately notify us of any unauthorized use of your account.

5.2 Account Security

You are responsible for maintaining the confidentiality of your account login credentials and are fully responsible for all activities that occur under your account. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable, or infringes on third-party rights.

5.3 Account Types

We may offer different types of accounts or subscription tiers, each with different features, limitations, and pricing. The specific features and limitations applicable to your account will be described in the plan or subscription you select.

5.4 Organizational Accounts

If you create an account on behalf of an organization:

• You represent and warrant that you are authorized to bind that organization to these Terms;
• The organization will be responsible for all activity under the account;
• The organization agrees to indemnify and hold Wood 19, Inc. harmless for claims arising from the account;
• We may require additional verification of your authority.

6Purchases and Payment

6.1 Payment Methods

We accept the following forms of payment:

• Major credit cards (Visa, Mastercard, American Express, Discover)
• PayPal

• ACH/Bank transfer (for enterprise accounts)
• Wire transfer (for enterprise accounts)
• Other payment methods as may be offered from time to time

6.2 Pricing and Payment Obligations

You agree to pay all charges at the prices then in effect for your purchases, including any applicable taxes and fees. You must provide current, complete, and accurate purchase and account information for all purchases made via the Services.

Prices for our Services are subject to change at any time, but price changes will not affect existing orders or current subscription periods. We will provide reasonable notice of price changes for subscriptions.

All fees are quoted and payable in United States Dollars (USD) unless otherwise specified.

6.3 Authorization

By providing a payment method, you:

• Represent that you are authorized to use the designated payment method;
• Authorize us to charge your payment method for the total amount of your purchase (including any applicable taxes and other charges);
• Authorize us to charge your payment method for recurring subscription fees if applicable.

6.4 Payment Processing

We use third-party payment processors to process payments. By providing your payment information, you also agree to the terms and privacy policies of our payment processors.

6.5 Taxes

You are responsible for paying any governmental taxes imposed on your use of the Services, including sales, use, or value-added taxes. We will collect applicable sales tax where required by law. If you are tax-exempt, you must provide valid tax-exemption documentation.

6.6 Failed Payments

If a payment fails or is declined:

• We may suspend or terminate your access to the Services;
• You remain responsible for any uncollected amounts;
• We may charge fees for failed payment processing;
• We may use collection services to recover unpaid amounts.

6.7 Payment Disputes

If you wish to dispute a charge, you must contact us within thirty (30) days of the charge at Legal@fylz.ai. We will investigate all legitimate disputes and work with you to resolve them.

7Subscriptions

7.1 Subscription Terms

Certain Services are offered on a subscription basis with recurring billing. When you purchase a subscription:

• You authorize us to charge your payment method on a recurring basis;
• Your subscription will continue until you cancel it or we terminate it;
• The billing frequency (monthly, annually, etc.) will be specified when you subscribe;
• You will be billed in advance for each billing period.

7.2 Automatic Renewal

YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW at the end of each billing period unless you cancel before the renewal date. You consent to our charging your payment method on a recurring basis without requiring your prior approval for each charge, until you cancel the subscription.

7.3 Cancellation of Subscriptions

You may cancel your subscription at any time by:

• Logging into your account and following the cancellation process;
• Contacting our support team at Legal@fylz.ai; or
• Following other cancellation methods we may provide. Cancellation will take effect at the end of the current paid billing period. You will continue to have access to the Services through the end of your current billing period.

7.4 Refunds and Refund Policy

All subscription fees are non-refundable except as required by law or as expressly stated in these Terms.

We do not provide refunds or credits for:

• Partial billing periods if you cancel mid-period;
• Unused Services during a billing period;
• Subscriptions that are terminated for cause due to your breach of these Terms. We may, in our sole discretion, provide refunds or credits on a case-by-case basis.

7.5 Fee Changes

We reserve the right to change subscription fees at any time. We will provide you with at least thirty (30) days' advance notice of any fee changes. Fee changes will take effect at the start of the next billing period following the notice. If you do not agree to the fee change, you may cancel your subscription before the change takes effect.

7.6 Downgrades and Upgrades

You may upgrade or downgrade your subscription plan at any time. Changes will take effect as follows:

• Upgrades: Take effect immediately, and you will be charged a pro-rated amount for the remainder of the current billing period.
• Downgrades: Take effect at the start of the next billing period, and you will not receive a refund or credit for the current period.

8Free Trials and Promotions

8.1 Free Trials

We may offer free trials of our Services from time to time. Free trial terms will be specified at the time of the offer. When you sign up for a free trial:

• You may be required to provide payment information;
• You will be automatically charged at the end of the trial period unless you cancel before the trial ends;
• We reserve the right to modify or terminate free trial offers at any time;
• Free trials are limited to one per customer unless otherwise specified;
• We may verify eligibility for free trials and deny access if we suspect abuse.

8.2 Promotional Codes and Discounts

Promotional codes and discounts:

• Are subject to specific terms and conditions provided at the time of the offer;
• May not be combined with other offers unless explicitly stated;
• May have expiration dates and usage limitations;
• Are non-transferable and have no cash value;
• May be revoked if we determine they were obtained fraudulently or used in violation of the terms.

9Prohibited Activities

You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.

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

9.1 Legal and Compliance Violations

• Use the Services for any illegal or unauthorized purpose;
• Violate any applicable local, state, national, or international law or regulation;
• Infringe upon or violate our intellectual property rights or the intellectual property rights of others;
• Engage in any activity that violates export control laws;
• Transmit or upload any content that violates any third party's rights;

9.2 Unauthorized Access and Security Violations

• Circumvent, disable, or otherwise interfere with security-related features of the Services;
• Attempt to bypass any measures designed to prevent or restrict access to the Services;
• Attempt to gain unauthorized access to any portion of the Services, other users' accounts, or computer systems or networks connected to the Services;
• Probe, scan, or test the vulnerability of the Services or any network connected to the Services;

• Breach or otherwise circumvent any security or authentication measures;

9.3 Service Interference and Abuse

• Interfere with, disrupt, or create an undue burden on the Services or networks or services connected to the Services;
• Upload or transmit viruses, worms, Trojan horses, or other malicious code;
• Use the Services in any manner that could disable, overburden, damage, or impair the Services;
• Engage in any automated use of the Services, including using scripts, bots, or other automated means, except through authorized APIs;
• Use any robot, spider, scraper, or other automated means to access the Services for any purpose;

9.4 Data Mining and Extraction

• Systematically retrieve data or content from the Services to create or compile a database or directory without our written permission;
• Use data mining, robots, or similar data gathering and extraction tools on the Services;
• Collect usernames, email addresses, or other user information by electronic or other means;

9.5 Fraud and Deception

• Trick, defraud, or mislead us or other users;
• Provide false, inaccurate, or misleading information;
• Impersonate another person or entity, or falsely state or misrepresent your affiliation with a person or entity;
• Engage in any scheme to defraud us or other users;
• Use the Services to facilitate fraud or fraudulent activities;

9.6 Competitive Activities

• Use the Services for benchmarking or competitive analysis purposes without our express written consent;
• Copy, reproduce, or reverse engineer any portion of the Services;
• Decipher, decompile, disassemble, or reverse engineer any software comprising or making up a part of the Services;
• Use the Services to develop competing products or services;
• Use the Services to compete with Wood 19, Inc. in any way;

9.7 Harassment and Abuse

• Harass, annoy, intimidate, or threaten any of our employees, contractors, or agents;
• Harass, abuse, or harm another person through the Services;
• Make improper use of our support services or submit false reports of abuse or misconduct;

9.8 Content Violations

• Upload or transmit any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, libelous, or otherwise objectionable;
• Upload or transmit any content that infringes any patent, trademark, trade secret, copyright, or other proprietary rights;

• Upload or transmit any unsolicited or unauthorized advertising, promotional materials, spam, or any other form of solicitation;

9.9 Account Misuse

• Sell, transfer, or assign your account or user rights to any other person without our consent;
• Create multiple accounts to evade restrictions or bans;
• Share your account credentials with others or allow others to access your account;
• Use another user's account without permission;

9.10 Service Modification and Exploitation

• Modify, adapt, translate, or create derivative works based on the Services;
• Remove, alter, or obscure any copyright, trademark, or other proprietary rights notices;
• Frame or mirror any content forming part of the Services without our express written consent;
• Use the Services for any revenue-generating endeavor without our authorization. We reserve the right to terminate your access to the Services for violating any of these prohibited activities.

10User-Generated Content

10.1 Types of User Content

The Services may allow you to create, submit, post, upload, store, or transmit content, including but not limited to:

• Documents, files, and data uploaded to FYLZ;
• Configuration data and settings in Carrier Connect;
• Comments, feedback, and support requests;
• Profile information and business data;
• Any other materials you provide through the Services.

10.2 Responsibility for User Content

You are solely responsible for all User Content you submit through the Services. You represent and warrant that:

• You own or have the necessary rights, licenses, consents, and permissions to use and authorize us to use your User Content;
• Your User Content does not infringe, violate, or misappropriate any third party's intellectual property, privacy, publicity, or other rights;
• Your User Content complies with these Terms and all applicable laws and regulations;
• Your User Content does not contain any viruses, malware, or other harmful code;
• Your User Content is not false, inaccurate, misleading, or deceptive;
• Your User Content does not violate any confidentiality obligations you may have;
• Your User Content does not contain sensitive personal information unless necessary for the Services and properly protected.

10.3 Prohibited Content

You agree not to upload, post, or transmit any User Content that:

• Is illegal, fraudulent, defamatory, obscene, pornographic, profane, threatening, abusive, hateful, harassing, or offensive;
• Violates or infringes anyone's intellectual property or other rights;
• Contains software viruses or any other malicious code designed to interrupt, destroy, or limit functionality;
• Impersonates any person or entity or misrepresents your affiliation with a person or entity;
• Violates the privacy or publicity rights of any third party;
• Promotes discrimination, bigotry, racism, hatred, harassment, or harm against any individual or group;
• Is violent or threatening or promotes violence or actions threatening to any person or entity;
• Promotes illegal or harmful activities or substances;
• Contains information or content that you do not have a right to make available under law or contractual or fiduciary relationships.

10.4 Monitoring and Enforcement

We reserve the right, but are not obligated, to:

• Monitor User Content for violations of these Terms;
• Remove or refuse to post any User Content for any or no reason;
• Take any action with respect to User Content that we deem necessary or appropriate, including if we believe it violates these Terms, infringes any intellectual property or other right, threatens the safety of users, or creates liability for us;
• Disclose your identity or other information about you to any third party who claims that User Content posted by you violates their rights;
• Take appropriate legal action, including referral to law enforcement, for any illegal or unauthorized use of the Services. We have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Services.

10.5 No Obligation to Monitor

We have no obligation to monitor User Content or the use of the Services. We are not responsible for the accuracy, appropriateness, or legality of User Content or any other content posted by users.

11Content License

11.1 License You Grant to Us

By submitting User Content through the Services, you grant Wood 19, Inc. a worldwide, non-exclusive, royalty-free, fully paid, sublicensable, and transferable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such User Content in connection with providing and improving the Services.

This license exists only for the purpose of operating, developing, providing, and improving the Services and researching and developing new ones. You retain all ownership rights in your User Content.

11.2 Limited Purpose

We will only use your User Content:

• To provide the Services to you;
• To maintain, improve, and develop the Services;
• To comply with applicable laws and legal processes;
• To enforce these Terms;
• As otherwise described in our Privacy Policy. We will not sell or share your User Content with third parties for their marketing purposes without your explicit consent.

11.3 Your Ownership

We do not claim ownership of your User Content. You retain full ownership of all User Content and any intellectual property rights or other proprietary rights associated with your User Content.

11.4 Responsibility

You are solely responsible for your User Content and the consequences of posting or publishing it. We are not responsible or liable to any third party for the content, accuracy, or legality of any User Content posted by you or any other user.

11.5 Backup and Data Loss

While we implement reasonable backup and data redundancy measures, you are solely responsible for maintaining your own backups of User Content. We will not be liable for any loss or corruption of User Content, and you waive any right of action against us arising from any such loss or corruption.

12Services Management

We reserve the right, but not the obligation, to:

1. Monitor the Services for violations of these Terms; 2. Take appropriate legal action against anyone who violates these Terms or applicable law, including reporting such user to law enforcement authorities; 3. Refuse, restrict access to, limit the availability of, or disable any User Content or any portion thereof in our sole discretion and without notice or liability; 4. Remove from the Services or otherwise disable any User Content or files that are excessive in size or burdensome to our systems; 5. Otherwise manage the Services in a manner designed to protect our rights and property and to facilitate the proper functioning of the Services; 6. Suspend or terminate your access to the Services at any time, without notice, for any reason or no reason; 7. Modify or discontinue any aspect of the Services at any time;

8. Investigate violations of these Terms and cooperate with law enforcement.

13Privacy and Data Security

13.1 Privacy Policy

Your privacy is important to us. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you consent to the practices described in our Privacy Policy.

Please review our Privacy Policy at [insert Privacy Policy URL] to understand our practices.

13.2 Data Security

We implement industry-standard security measures to protect your data, including:

• SOC 2 compliance and certification;
• Encryption of data in transit and at rest;
• Regular security audits and assessments;
• Access controls and authentication measures;
• Employee training on data security practices;
• Incident response procedures. However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.

13.3 Data Location

The Services are hosted in the United States. If you access the Services from outside the United States, you acknowledge that your information will be transferred to, stored, and processed in the United States. By using the Services, you consent to this transfer and processing.

13.4 Your Data Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• The right to access your data;
• The right to correct inaccurate data;
• The right to delete your data;
• The right to export your data;
• The right to restrict or object to certain processing. To exercise these rights, please contact us at Legal@fylz.ai.

13.5 Data Retention

We will retain your User Content and personal information for as long as necessary to provide the Services and as required by law. When you delete your account or request deletion of your data, we will delete or anonymize your information, except as required for legal, regulatory, or legitimate business purposes.

14Term and Termination

14.1 Term

These Terms commence when you first access or use the Services and continue until terminated in accordance with these Terms.

14.2 Termination by You

You may terminate these Terms at any time by:

• Canceling your account through the Services;
• Ceasing all use of the Services;
• Contacting us at Legal@fylz.ai to request account closure.

14.3 Termination by Us

We reserve the right to suspend or terminate your access to the Services at any time, with or without cause, with or without notice, effective immediately. We may terminate or suspend your access for any reason, including but not limited to:

• Violation of these Terms;
• Fraudulent, abusive, or illegal activity;
• Non-payment of fees;
• At our discretion for any reason or no reason.

14.4 Effect of Termination

Upon termination:

• Your right to use the Services will immediately cease;
• We may delete your account and User Content;
• You will remain liable for all amounts owed up to the effective date of termination;
• You must cease all use of the Services and delete any copies of Our Content in your possession;
• Sections of these Terms that by their nature should survive termination will survive, including provisions regarding intellectual property, disclaimers, limitations of liability, and dispute resolution.

14.5 No Refunds Upon Termination

If we terminate your access for cause (due to your breach of these Terms), you will not be entitled to any refund of fees paid. If you terminate your account, you will not receive a refund for any unused portion of your subscription.

14.6 Data Retrieval

You may request a copy of your User Content within thirty (30) days of termination by contacting Legal@fylz.ai. After thirty (30) days, we may permanently delete your User Content and will have no obligation to maintain or provide it.

15Modifications and Interruptions

15.1 Right to Modify

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services.

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

15.2 Service Availability

We cannot guarantee the Services will be available at all times. We may experience:

• Hardware, software, or other technical problems;
• Maintenance requirements;
• Internet or telecommunications failures;
• Acts of God or other events beyond our control. These may result in interruptions, delays, or errors in the Services. You 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 downtime or discontinuance.

15.3 No Obligation to Maintain

Nothing in these Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.

16Governing Law

These Terms and your use of the Services are governed by and construed in accordance with the laws of the State of Florida applicable to agreements made and to be entirely performed within the State of Florida, without regard to its conflict of law principles.

17Dispute Resolution

17.1 Informal Negotiations

To expedite resolution and control the cost of any dispute, controversy, or claim related to these Terms (each a "Dispute" and collectively, "Disputes"), you and Wood 19, Inc. agree to first attempt to negotiate any Dispute informally for at least thirty (30) days before initiating arbitration or litigation.

Informal negotiations commence upon written notice from one party to the other. The notice should be sent to Legal@fylz.ai for claims against Wood 19, Inc.

17.2 Binding Arbitration

If the parties are unable to resolve a Dispute through informal negotiations, the Dispute (except those Disputes expressly excluded below) will be finally and exclusively resolved by binding arbitration.

YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL.

The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association ("AAA") and, where appropriate, the AAA's Supplementary Procedures for Consumer Related Disputes ("AAA Consumer Rules"), both of which are available at www.adr.org.

17.3 Arbitration Procedures

• The arbitration will be conducted in Palm Beach County, Florida, or remotely by videoconference if agreed by both parties;
• The arbitrator will make a decision in writing but need not provide a statement of reasons unless requested by either party;
• The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so;
• Each party will bear its own costs of arbitration unless the arbitrator awards costs to the prevailing party;
• The arbitrator's award will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

17.4 Restrictions

The parties agree that any arbitration shall be limited to the Dispute between the parties individually. To the full extent permitted by law:

• No arbitration shall be joined with any other proceeding;
• There is no right or authority for any Dispute to be arbitrated on a class-action basis or to utilize class action procedures;
• There is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons.

17.5 Exceptions to Arbitration

The following Disputes are not subject to arbitration:

• Any Disputes seeking to enforce or protect, or concerning the validity of, any intellectual property rights;
• Any Dispute related to, or arising from, allegations of theft, piracy, invasion of privacy, or unauthorized use;
• Any claim for injunctive relief;
• Small claims court actions.

17.6 Litigation

If arbitration does not apply or is found unenforceable, any Dispute shall be brought exclusively in the state or federal courts located in Palm Beach County, Florida. You consent to personal jurisdiction in these courts and waive any objection to venue.

17.7 Time Limitation

Any Dispute must be commenced within one (1) year after the cause of action arises. If this provision is found illegal or unenforceable, neither party will elect to arbitrate any Dispute falling within that portion of this provision found to be illegal or unenforceable, and such Dispute shall be decided by a court of competent jurisdiction.

18Corrections

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information on the Services at any time, without prior notice.

19Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT:

• The accuracy or completeness of the Services' content;
• The content of any websites or applications linked to the Services;
• That the Services will meet your requirements;
• That the Services will be uninterrupted, timely, secure, or error-free;
• That defects will be corrected;
• That the Services or servers are free of viruses or other harmful components. WE WILL NOT BE LIABLE FOR:

1. Errors, mistakes, or inaccuracies of content and materials; 2. Personal injury or property damage resulting from your access to and use of the Services; 3. Any unauthorized access to or use of our secure servers and/or any personal information stored therein; 4. Any interruption or cessation of transmission to or from the Services; 5. Any bugs, viruses, trojan horses, or the like transmitted to or through the Services by any third party; 6. Any errors or omissions in any content or materials or for any loss or damage of any kind incurred as a result of the use of any content posted, transmitted, or otherwise made available via the Services. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES.

19.1 Third-Party Services and APIs Not Under Our Control

THE SERVICES INTERACT WITH, DEPEND UPON, OR CONNECT TO THIRD-PARTY SERVICES, SYSTEMS, PLATFORMS, AND APPLICATION PROGRAMMING INTERFACES ("THIRD-PARTY SERVICES") THAT ARE NOT OWNED, OPERATED, OR CONTROLLED BY WOOD19, INC. WE ARE NOT RESPONSIBLE OR LIABLE FOR ANY THIRD-PARTY SERVICE, INCLUDING BUT NOT LIMITED TO:

• Insurance carrier portals, websites, and systems accessed or connected through Carrier Connect;
• Agency management systems (AMS), CRM platforms, and other software integrated with the Services;
• Third-party APIs, data feeds, data sources, or information providers;
• Cloud infrastructure, hosting, storage, and computing providers (including AI/ML model providers);
• Document storage and file-sharing platforms integrated with FYLZ;
• Payment processors and financial service providers;
• External authentication, identity, or single sign-on (SSO) providers;
• Telecommunications, internet service, and network providers;
• Any other third-party service, API, integration, or system that the Services connect to, rely upon, or interoperate with. WE MAKE NO WARRANTY OR REPRESENTATION REGARDING, AND SHALL HAVE NO RESPONSIBILITY OR LIABILITY FOR: (A) THE AVAILABILITY, ACCURACY, RELIABILITY, SECURITY, OR PERFORMANCE OF ANY THIRD-PARTY SERVICE; (B) ANY CHANGES, MODIFICATIONS, DEPRECATIONS, RATE LIMITS, ACCESS RESTRICTIONS, OR DISCONTINUATION OF ANY THIRD-PARTY SERVICE OR API; (C) ANY FAILURE, ERROR, INTERRUPTION, DELAY, DATA LOSS, DATA INACCURACY, OR SECURITY INCIDENT ORIGINATING FROM OR CAUSED BY ANY THIRD-PARTY SERVICE; OR (D) ANY DEGRADATION OR LOSS OF FUNCTIONALITY OF OUR SERVICES CAUSED BY ANY OF THE FOREGOING, EVEN IF SUCH THIRD-PARTY SERVICE IS NECESSARY FOR THE OPERATION OF OUR SERVICES.

YOUR USE OF ANY THIRD-PARTY SERVICE IS AT YOUR OWN RISK AND IS GOVERNED BY THE TERMS, CONDITIONS, AND PRIVACY POLICIES OF THE APPLICABLE THIRD PARTY. YOU ARE SOLELY RESPONSIBLE FOR MAINTAINING ANY ACCOUNTS, CREDENTIALS, LICENSES, OR AUTHORIZATIONS REQUIRED TO USE THIRD-PARTY SERVICES IN CONNECTION WITH OUR SERVICES.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. IN SUCH JURISDICTIONS, THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

20Limitations of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WOOD19, INC., ITS AFFILIATES, OR THEIR RESPECTIVE DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, SUPPLIERS, OR LICENSORS BE LIABLE TO YOU OR ANY THIRD PARTY FOR:

• ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES;
• ANY LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES;
• ANY DAMAGES ARISING FROM YOUR USE OR INABILITY TO USE THE SERVICES;
• ANY DAMAGES ARISING FROM ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES;
• ANY DAMAGES ARISING FROM OR RELATED TO ANY THIRD-PARTY SERVICE, API, INTEGRATION, PLATFORM, OR SYSTEM NOT UNDER OUR CONTROL, INCLUDING ANY FAILURE, ERROR, INTERRUPTION, MODIFICATION, DEPRECATION, OR DISCONTINUATION THEREOF (AS FURTHER DESCRIBED IN SECTION 19.1);

• ANY CONTENT OBTAINED FROM THE SERVICES;
• UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT; WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE LESSER OF:

• THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE TWELVE (12) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING; OR
• ONE THOUSAND DOLLARS ($1,000.00 USD). CERTAIN STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

THE LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN WOOD19, INC. AND YOU.

21Indemnification

You agree to defend, indemnify, and hold harmless Wood 19, Inc., its affiliates, and their respective directors, officers, employees, agents, service providers, contractors, licensors, suppliers, successors, and assigns from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from:

1. Your use of and access to the Services; 2. Your violation of these Terms; 3. Your violation of any third party right, including without limitation any copyright, trademark, trade secret, or other intellectual property or privacy right; 4. Any User Content you submit, post, or transmit through the Services; 5. Any claim that your User Content caused damage to a third party; 6. Your violation of any applicable law or regulation; 7. Any wilful misconduct by you; 8. Any other party's access and use of the Services with your unique username, password, or other appropriate security code. Notwithstanding the foregoing, 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, at your expense, with our defense of such claims. We will use reasonable efforts to notify you of any such claim, action, or proceeding which is subject to this indemnification upon becoming aware of it.

22User Data

22.1 Data Management

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services.

22.2 Backup and Recovery

Although we perform regular routine backups of data, you are solely responsible for:

• All data that you transmit through the Services;
• Maintaining independent backups of your User Content;
• Any activity you have undertaken using the Services.

22.3 No Liability for Data Loss

You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

22.4 Data Portability

Upon request and subject to our verification of your identity, we will provide you with a copy of your User Content in a commonly used format. However, certain technical limitations may restrict our ability to provide data in all requested formats.

23Electronic Communications

23.1 Consent to Electronic Communications

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

23.2 Electronic Signatures

YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES.

You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

24California Users and Residents

If any complaint with us is not satisfactorily resolved, California residents may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at:

1625 North Market Blvd., Suite N 112

Sacramento, California 95834

Or by telephone at:

• (800) 952-5210
• (916) 445-1254

25Export Compliance

25.1 Export Restrictions

The Services and the underlying information and technology may be subject to U.S. export control laws and may be subject to export or import regulations in other countries. You agree to comply strictly with all such laws and regulations and acknowledge that you have the responsibility to obtain such licenses to export, re-export, or import as may be required.

25.2 Prohibited Destinations

You represent and warrant that:

• You are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country;
• You are not listed on any U.S. Government list of prohibited or restricted parties, including the Treasury Department's list of Specially Designated Nationals or the U.S. Department of Commerce Denied Persons List or Entity List;
• You will not use the Services in violation of any U.S. export embargo, prohibition, or restriction.

25.3 Compliance

You agree not to use or export or re-export any Content or any copy or adaptation of such Content, or any product or service offered on the Services, in violation of any applicable laws or regulations, including without limitation U.S. export control laws and regulations.

26Miscellaneous

26.1 Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or agreements published by us on the Services, constitute the entire agreement between you and Wood 19, Inc. concerning your use of the Services.

26.2 Waiver

Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term.

26.3 Severability

If any provision of these Terms is held to be unlawful, void, or unenforceable, that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions.

26.4 Assignment

We may assign our rights and obligations under these Terms, including in connection with a merger, acquisition, sale of assets or equity, or by operation of law. You may not assign these Terms or any rights or obligations hereunder without our prior written consent.

26.5 No Third-Party Beneficiaries

These Terms do not and are not intended to confer any rights or remedies upon any person other than you and Wood 19, Inc.

26.6 Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms where such failure or delay results from any cause beyond our reasonable control, including acts of God, labor disputes, telecommunications failures, governmental actions, or the failure, unavailability, modification, or discontinuation of any third-party service, API, infrastructure provider, or system not under our control.

26.7 Headings

The headings in these Terms are for convenience only and have no legal or contractual effect.

26.8 Relationship of Parties

No joint venture, partnership, employment, or agency relationship exists between you and Wood 19, Inc. as a result of these Terms or use of the Services.

26.9 Language

These Terms are provided in English. Any translation is provided for your convenience only. In the event of any conflict between the English version and a translated version, the English version shall control.

26.10 Updates to Terms

We reserve the right to update, change, or replace any part of these Terms by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the Services following the posting of any changes constitutes acceptance of those changes.

27Contact Us

If you have any questions about these Terms, please contact us:

Wood 19, Inc.

5890 Paddington Way

Boca Raton, FL 33496

United States

Phone: 212-516-3959

Email: Legal@fylz.ai

For support inquiries: Please use the support channels provided in the Services or visit our website for the most current contact information.

For legal notices: All legal notices should be sent to Legal@fylz.ai or to the address above, Attention: Legal Department.

© 2026 Wood 19, Inc. All rights reserved.

Carrier Connect®, Carrier Connect AI®, FYLZ®, and FYLZ AI® are trademarks of Wood 19, Inc.