Terms of Service
Effective date: 12th February 2026
These Terms of Service ("Terms") govern your access to and use of products, applications, websites, and related services operated by Cradle of Life LLC ("Cradle of Life", "we", "us","our") (collectively, the "Services").
By creating an account, downloading, accessing, or using the Services, you agree to these Terms.
If you do not agree, do not use the Services.
1. Eligibility and Account Registration
To use the Services, you must:
Be at least the age of majority in your jurisdiction (or have required consent)
Provide accurate and complete registration information
Keep account credentials secure
Be responsible for activities under your account
You agree to notify us promptly of any unauthorized use of your account.
2. Service Scope
We provide software products and related digital services. Features may differ by product, platform, jurisdiction, and subscription plan.
We may add, modify, or discontinue features from time to time.
3. Product-Specific Terms
Certain products, features, or promotions may have additional terms. Where such terms conflict with these Terms, the product-specific terms control for that product/feature.
4. Acceptable Use
You agree not to:
Violate laws, regulations, or third-party rights
Access or attempt to access accounts/data without authorization
Interfere with or disrupt service integrity, security, or availability
Circumvent controls such as limits, anti-abuse checks, or entitlement gating
Upload malware, harmful code, or fraudulent content
Reverse engineer or exploit the Services except where legally permitted
We may investigate and take action, including suspension or termination, for violations.
5. User Content and License
You retain ownership of content you submit to the Services ("User Content"), subject to
rights needed for us to operate the Services.
You grant us a limited, non-exclusive, worldwide license to host, store, process, reproduce, and transmit User Content solely to provide and improve the Services, comply with law, and enforce these Terms.
You represent that you have necessary rights to submit User Content.
6. Billing, Subscriptions, and Purchases
Paid plans and purchases may be billed by third-party platforms (e.g., Apple App Store, Google Play Store, web billing providers).
Prices, taxes, and billing intervals are disclosed at purchase time.
Auto-renewing subscriptions continue until canceled per platform rules.
Refunds are handled according to the billing platform's policies unless otherwise required.
Promotional offers may have eligibility rules, limits, and expiration dates.
You are responsible for applicable taxes, fees, and charges unless prohibited by law.
7. Trials, Promotions, and Referral Programs
We may offer free trials, discounts, referrals, or promotions with separate eligibility, timing, and anti-abuse rules.
We may modify or discontinue promotions at any time, subject to applicable law.
8. Privacy
Your use of the Services is also governed by our Privacy Policy, available at:
https://www.cradle-of-life.com/privacy
By using the Services, you acknowledge that you have reviewed the Privacy Policy.
If a product-specific privacy policy applies to a particular app or feature, that product-specific policy governs for that product/feature to the extent of any conflict.
9. Third-Party Services
The Services may integrate with or rely on third-party providers. We are not responsible for third-party services, policies, or outages beyond our control.
Third-party platform terms (such as app-store terms) may also apply.
10. Intellectual Property
The Services, including software, interfaces, branding, and content (excluding User Content), are owned by Cradle of Life and/or its licensors and protected by law.
Except as expressly permitted, you may not copy, modify, distribute, sell, lease, or create
derivative works of the Services.
11. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.
If your products include financial/tax insights:
Informational tools are not legal, tax, or financial advice.
Users should consult qualified professionals before relying on such outputs.
Data retention and records disclaimer:
While we apply reasonable technical and operational safeguards, no storage or transmission system is failproof.
You acknowledge that data loss, corruption, delayed availability, or deletion may occur due to events such as technical failures, third-party outages, account actions, or force majeure events.
You are solely responsible for maintaining your own copies of important records, including original paper receipts and any backup copies needed for tax, audit, warranty, reimbursement, or legal purposes.
In the event of data loss, we may attempt commercially reasonable recovery measures, but we do not guarantee restoration of any specific data.
12. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CRADLE OF LIFE AND ITS OFFICERS, EMPLOYEES, AFFILIATES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL,
EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR AGGREGATE LIABILITY FOR CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF:
- AMOUNTS YOU PAID TO US FOR THE SERVICES IN THE 12 MONTHS BEFORE THE CLAIM, OR
- USD $100.
Nothing in this Section 12 limits liability that cannot be limited under applicable law.
Some jurisdictions do not allow certain limitations; these limitations apply only to the maximum extent permitted by law.
13. Indemnification
You agree to defend, indemnify, and hold harmless Cradle of Life and its affiliates,
officers, employees, and agents from claims, liabilities, damages, losses, and expenses
(including reasonable legal fees) arising from:
Your use of the Services
Your User Content
Your violation of these Terms or applicable law
Your infringement of third-party rights
14. Suspension and Termination
We may suspend or terminate access to the Services if:
You violate these Terms
We are required by law
Your use poses security, legal, or operational risk
You may stop using the Services at any time and request account deletion per our Privacy
Policy, subject to legal and security retention obligations.
15. Service Changes and Availability
We may modify, suspend, or discontinue parts of the Services at any time, including for maintenance, security, legal compliance, or product evolution.
We are not liable for outages or delays caused by third-party infrastructure or events beyond our reasonable control.
16. Governing Law and Dispute Resolution
16.1 Governing Law
Except as provided in Section 16.2 for arbitration mechanics, these Terms and any dispute, claim, or controversy arising out of or relating to these Terms or the Services are governed by the laws of the State of Montana, U.S.A., without regard to conflict-of-laws rules, except where mandatory law in your jurisdiction provides otherwise.
16.2 Federal Arbitration Act; Fallback Law
This arbitration agreement is governed by the U.S. Federal Arbitration Act ("FAA"), 9 U.S.C. Sections 1-16, and will be interpreted broadly. If and only if the FAA is held inapplicable to a specific dispute, then applicable Montana arbitration law will govern to the extent not preempted by federal law. Nothing in this Section 16 requires arbitration of claims that
cannot be compelled to arbitration under applicable law.
16.3 Informal Resolution First
Before filing a formal claim, you and Cradle of Life agree to try to resolve the dispute
informally first. A party initiating a dispute must send a written Notice of Dispute
describing the claim and requested relief to:
- Email: `legal@cradle-of-life.com`
- Mail: Cradle of Life LLC, Attn: Legal Notices, 301 N. 27th Street, #390 Billings, MT 59101
The Notice of Dispute must include your name, account email, and enough information for us to evaluate the claim. If the dispute is not resolved within 30 days after notice is received, either party may proceed with a formal claim as allowed below.
16.4 Binding Individual Arbitration (Where Permitted)
To the maximum extent permitted by law, disputes that are not resolved informally will be resolved by binding individual arbitration, and not in court, except as provided below.
Arbitration will be administered by the American Arbitration Association (AAA):
Consumer disputes: AAA Consumer Arbitration Rules.
Business disputes: AAA Commercial Arbitration Rules.
The arbitration may be conducted remotely (video/teleconference), by written submissions, or in a mutually agreed location, consistent with applicable AAA rules. Unless otherwise required by law, arbitration proceedings will be conducted in English.
16.5 Arbitration Fees and Costs
For consumer disputes, Cradle of Life will pay arbitration filing, administration, and
arbitrator fees to the extent those fees exceed what you would pay to file a claim in a court of competent jurisdiction, unless the arbitrator determines the claim is frivolous or filed for an improper purpose.
For business disputes, arbitration fees and costs are allocated under the AAA Commercial Arbitration Rules, unless the arbitrator orders otherwise.
Each party bears its own attorneys' fees unless a statute, rule, or arbitrator award
provides otherwise.
16.6 Consumer Arbitration Opt-Out (30 Days)
If you are an individual consumer, you may opt out of Sections 16.4 and 16.7 by sending us an opt-out notice within 30 days after first accepting these Terms. Your opt-out must include your full name, account email, and an unambiguous statement that you are opting out of arbitration and class-action waiver.
Send opt-out notices to:
Email: `legal@cradle-of-life.com`
Mail: Cradle of Life LLC, Attn: Legal Notices, 301 N. 27th Street, #390 Billings, MT 59101
Opting out of arbitration does not affect any other part of these Terms.
16.7 Class Action and Jury Trial Waiver
To the maximum extent permitted by law, you and Cradle of Life each waive the right to a jury trial and the right to participate in a class action, class arbitration, private
attorney general action, or other representative proceeding.
16.8 Exceptions
Either party may bring an individual claim in small claims court if it qualifies. Either
party may also seek injunctive or equitable relief in court for intellectual property misuse, unauthorized access, or security abuse.
16.9 Business Account Classification
If you use the Services on behalf of a company, partnership, sole proprietorship, nonprofit, or government entity, your dispute is treated as a business dispute under this Section 16 unless mandatory consumer law requires otherwise.
16.10 Severability of Arbitration Terms
If any part of this Section 16 is found unenforceable, that part will be severed and the remaining parts will be enforced to the maximum extent permitted by law. If the class-action waiver in Section 16.7 is held unenforceable for a specific claim, then that claim (and only that claim) must be resolved in court and not in arbitration.
16.11 Venue if Arbitration Is Unavailable
If the arbitration provisions are held unenforceable for a dispute, then the exclusive venue for that dispute will be the state or federal courts located in Yellowstone County, Montana, and each party consents to personal jurisdiction there.
16.12 International and Consumer Rights Carveout
Nothing in this Section 16 limits rights that cannot be waived under applicable consumer protection law. If you are a consumer residing outside the United States, you may have mandatory rights to bring claims in your country of residence and to rely on non-waivable local law protections. Where those laws conflict with this Section 16, those mandatory laws control to the extent of the conflict.
17. Export and Sanctions Compliance
You agree to comply with applicable export control and sanctions laws. You represent that you are not located in, ordinarily resident in, or otherwise subject to restrictions in a jurisdiction where use of the Services is prohibited.
18. Severability and Waiver
If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect. Failure to enforce any provision is not a waiver of our rights.
19. Assignment
You may not assign or transfer rights under these Terms without our consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets.
20. Changes to These Terms
We may update these Terms periodically. We will post the updated version and update the
"Last updated" date. Where required by law, we will provide additional notice.
Continued use of the Services after changes become effective constitutes acceptance of the updated Terms.
21. Contact
For legal or terms inquiries:
For privacy requests:
For security reports: