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Terms of Service

Effective Date: January 1, 2026

Last Updated: January 2026

1. Acceptance of Terms

These Terms of Service (“Terms”), together with our Privacy Policy and any other terms, policies, or agreements referenced herein, constitute the entire agreement between you and Josato Group LLC, doing business as Josa.ai (“Company,” “we,” “us,” “our”), and govern your access to and use of our AI-powered SaaS tools, web applications, consulting services, digital courses, community platforms, and related services (collectively, the “Services”).

By accessing, browsing, or using our Services in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.

Geographic Scope: These Terms apply to all users of our Services, regardless of location. Users are responsible for understanding and complying with all applicable laws and regulations in their jurisdiction.

2. Eligibility and Account Registration

2.1 Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to use our Services. If you are between 13 and 17, you may use our Services only with parental or guardian consent.

We do not knowingly permit children under 13 to use our Services. If we become aware that a user is under 13, we will terminate their account and delete their information.

2.2 Account Creation

To access certain features of our Services, you may be required to create an account. When creating an account, you agree to:

  • Provide accurate, current, and complete information
  • Maintain the confidentiality of your password and account credentials
  • Notify us immediately of any unauthorized use of your account
  • Accept responsibility for all activity under your account
  • Update your information promptly if it changes
  • Use only one account per person (unless explicitly authorized otherwise)

2.3 Account Suspension and Termination

We reserve the right to suspend or terminate your account if:

  • Your account is used for illegal or unauthorized purposes
  • You violate these Terms or our policies
  • We determine, in our sole discretion, that your use poses a risk to our Services or other users
  • You fail to respond to inquiries or verification requests within 30 days

Upon termination, your right to access the Services immediately ceases. Data retention will follow our Privacy Policy.

3. Description of Services

3.1 Services Overview

Josa.ai provides:

  • AI-Powered SaaS Tools: Automated software solutions leveraging artificial intelligence
  • Web Applications: Customizable web-based applications and consulting services
  • Digital Courses: Educational content, training programs, and certifications
  • Community Platforms: Discussion forums, collaboration tools, and networking spaces
  • Consulting Services: Professional guidance and implementation support

3.2 “As-Is” Service Delivery

Our Services are provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, express or implied. We do not warrant that:

  • Our Services will be uninterrupted, error-free, or secure
  • All functionality will work as expected at all times
  • All information on our Services is accurate or complete
  • Our Services will be accessible at all times

3.3 Service Availability

We do not guarantee 100% uptime. We aim for 99.5% uptime but may perform maintenance, updates, or experience technical issues that cause temporary unavailability. We will provide notice of scheduled maintenance when practicable.

3.4 Beta Features

Some features may be marked as “beta,” “experimental,” or “preview.” These features may be unstable and are provided without warranties. We may modify or discontinue beta features at any time.

4. User Responsibilities and Conduct

4.1 Prohibited Activities

You agree not to use our Services for any illegal, harmful, or unethical purpose. Specifically, you will not:

Illegal Activities:

  • Violate any federal, state, local, or international law or regulation
  • Use our Services to commit fraud, money laundering, or other financial crimes
  • Circumvent sanctions or export controls
  • Engage in human trafficking, child exploitation, or abuse

Harmful Content:

  • Upload, post, or transmit malware, viruses, worms, or other destructive code
  • Attempt to exploit security vulnerabilities or reverse-engineer our Services
  • Conduct denial-of-service (DDoS) attacks or other cyberattacks
  • Harass, threaten, defame, or discriminate against individuals
  • Post obscene, defamatory, hateful, or abusive content
  • Post content that violates intellectual property rights

System Abuse:

  • Attempt unauthorized access to our systems or other users' accounts
  • Use automated tools (scrapers, bots) to extract data without authorization
  • Spam, phishing, or social engineering attempts
  • Excessive server load or resource consumption
  • Circumvent security measures or access controls

Business Misuse:

  • Use our Services for commercial purposes beyond your license grant
  • Resell or redistribute our Services without authorization
  • Bypass payment mechanisms or attempt to use Services without paying
  • Engage in competitive intelligence gathering or market research using our Services

4.2 Compliance with Laws

You are responsible for ensuring your use of our Services complies with all applicable laws, regulations, and third-party rights. This includes:

  • Data protection and privacy laws (GDPR, CCPA, CPRA, etc.)
  • Export controls and sanctions regulations
  • Anti-spam laws (CAN-SPAM, GDPR)
  • Intellectual property rights
  • Consumer protection laws

4.3 Content Responsibility

You are responsible for all content you upload, post, or transmit (“Your Content”). You represent and warrant that:

  • You own or have the right to use Your Content
  • Your Content does not infringe third-party intellectual property rights
  • Your Content does not violate any laws or these Terms
  • Your Content is accurate and not misleading
  • Your Content does not contain malware or harmful code

5. Intellectual Property Rights

5.1 Our Intellectual Property

All materials on our Services, including but not limited to text, graphics, logos, images, videos, software code, and designs (collectively, “Our Content”), are the exclusive property of Josato Group LLC or our licensors. These materials are protected by U.S. and international copyright, trademark, and other intellectual property laws.

Limited License:
We grant you a limited, non-exclusive, non-transferable license to access and view Our Content for personal, non-commercial use only. You may not:

  • Reproduce, distribute, or modify Our Content
  • Remove copyright or intellectual property notices
  • Use Our Content for commercial purposes without written permission
  • License, sell, or rent Our Content
  • Frame or embed Our Content on third-party sites without permission

5.2 Your Content License

By uploading, posting, or submitting Your Content, you grant Josato Group LLC a worldwide, royalty-free, perpetual, irrevocable, non-exclusive license to:

  • Use Your Content to provide and improve our Services
  • Display Your Content on our platform
  • Analyze Your Content for analytics and optimization
  • Store Your Content on our servers
  • Share Your Content with other users as permitted by the Services

This license does not constitute a transfer of ownership; you retain all rights to Your Content.

5.3 User-Generated Content in Courses and Communities

For content posted in our courses and community platforms:

  • Other users may view and interact with Your Content within the platform
  • Your Content may be indexed by search engines unless you opt out
  • We may use aggregated, anonymized versions for analytics
  • You may delete Your Content at any time through your account settings

5.4 Third-Party Content

Our Services may contain links to or embed content from third parties. We do not endorse third-party content and are not responsible for its accuracy, legality, or intellectual property compliance.

5.5 Feedback and Suggestions

Any feedback, suggestions, or ideas you provide about our Services becomes our property without compensation or obligation to you. We may use such feedback to improve our Services without attribution or further notice.

6. Subscription Plans and Payment Terms

6.1 Subscription Plans

We offer various subscription tiers with different features and pricing. Your subscription grants you access to specified features during the subscription period.

Subscription Fees:

  • Subscription fees are disclosed upfront before purchase
  • Fees are charged in U.S. dollars (or local currency if available)
  • Billing occurs on the date specified during signup and annually thereafter
  • Prices may change with 30 days' notice; changes apply to renewals, not current subscription

6.2 Payment Methods

You authorize us to charge your payment method (credit card, debit card, ACH, or other method) for subscription fees. You agree to:

  • Maintain accurate payment information
  • Notify us of changes to your payment method
  • Pay all charges incurred under your account
  • Comply with payment processor terms and conditions

6.3 Billing and Automatic Renewal

Automatic Renewal:
Your subscription will automatically renew at the end of each billing period unless you cancel. To cancel, visit your account settings or email support@josa.ai.

Cancellation:

  • You may cancel your subscription at any time
  • Cancellation takes effect at the end of your current billing period
  • No refunds are issued for partial-month cancellations
  • Upon cancellation, your access terminates at the end of the billing period

6.4 Refund Policy

Limited Refund Policy:

  • Subscriptions: No refunds for partial-month usage. You may cancel anytime to prevent future charges.
  • Courses: Digital courses are non-refundable after purchase. However, if a course is substantially incomplete or unavailable, we may offer a refund at our discretion.
  • Consulting Services: Refunds depend on the service agreement and will be determined case-by-case.

Disputed Charges:
If you dispute a charge, contact us within 30 days at billing@josa.ai with documentation of the issue.

6.5 Invoices and Taxes

We will provide invoices for your records. You are responsible for:

  • Paying any applicable sales tax, VAT, or similar taxes
  • Providing tax documentation (e.g., W-9, tax ID) if required
  • Understanding tax implications of your use of our Services

7. Warranties Disclaimer

7.1 No Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTIES OR CONDITIONS, EXPRESS OR IMPLIED, INCLUDING:

  • MERCHANTABILITY (fitness for a particular purpose)
  • FITNESS FOR A PARTICULAR PURPOSE (suitability for your specific needs)
  • NON-INFRINGEMENT (that our Services do not infringe third-party rights)
  • TITLE OR QUIET ENJOYMENT (ownership or uninterrupted use)
  • ACCURACY OR COMPLETENESS (of information provided)
  • SECURITY (that your data will not be compromised)
  • UNINTERRUPTED SERVICE (that Services will always be available)
  • ERROR-FREE OPERATION (that all functionality will work perfectly)

7.2 No Warranty of Results

We do not guarantee any specific results from using our Services. Outcomes depend on your implementation, business factors, market conditions, and other variables beyond our control.

7.3 Third-Party Content and Services

We do not warrant third-party content, integrations, or services. Use of third-party tools and services is at your own risk and subject to their terms and policies.

8. Limitation of Liability

8.1 Liability Limitations

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL JOSATO GROUP LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR:

  • Indirect, incidental, special, consequential, or punitive damages
  • Loss of profits, revenue, data, business opportunity, or goodwill
  • Loss of use, reputation, or other intangible harm
  • Cost of substitute services or goods
  • Damages arising from or related to:
    • Your inability to use our Services
    • Unauthorized access or alteration of your data
    • Reliance on information provided by our Services
    • Errors, omissions, or inaccuracies in our Services
    • Third-party content or conduct
    • Your use or misuse of our Services

This limitation applies regardless of the legal theory (contract, tort, strict liability) and even if we have been advised of the possibility of such damages.

8.2 Cap on Total Liability

OUR TOTAL, CUMULATIVE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF OUR SERVICES SHALL NOT EXCEED THE GREATER OF:

  • The total amount you paid us in the 12 months preceding the claim, or
  • $100.00 USD

If you paid nothing, our liability is capped at $100.00.

8.3 Exceptions to Limitations

These limitations do not apply to:

  • Death or personal injury caused by our negligence
  • Fraud or willful misconduct
  • Statutory rights that cannot be limited under applicable law
  • Claims involving gross negligence or willful breach

9. Indemnification

You agree to indemnify, defend, and hold harmless Josato Group LLC and its officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to:

  • Your use of our Services in violation of these Terms
  • Your violation of any law or third-party right
  • Your Content or materials you upload
  • Your conduct or statements
  • Your interaction with other users
  • Claims by third parties related to your account or activity

10. Data Protection and Privacy

10.1 Privacy Policy

Your use of our Services is also governed by our Privacy Policy. Please review our Privacy Policy to understand our data practices, particularly regarding:

  • What personal information we collect
  • How we use and share your information
  • Your privacy rights and how to exercise them
  • Data security measures
  • International data transfers

10.2 Your Responsibilities

You are responsible for:

  • Obtaining and maintaining backups of Your Content
  • Monitoring your account for unauthorized access
  • Maintaining the confidentiality of your credentials
  • Understanding compliance obligations related to your data

10.3 Data Retention

Upon termination of your account, we will delete Your Content within 90 days unless we have a legal basis to retain it. Aggregated and anonymized data may be retained indefinitely.

11. AI-Powered Features and Automated Decision-Making

11.1 AI Tool Disclaimers

Our Services include AI-powered features that:

  • Generate recommendations, content, or insights
  • Process and analyze user data
  • Automate routine tasks
  • Provide personalized experiences

Important Limitations:

  • AI outputs may be inaccurate, incomplete, or outdated
  • AI should not be relied upon as the sole basis for important decisions
  • AI-generated content requires human review before use
  • AI may reflect biases present in training data
  • We do not guarantee accuracy or appropriateness of AI outputs

11.2 Human Review Responsibility

You are responsible for reviewing any AI-generated content or recommendations before relying on them. For significant business decisions, consult with qualified professionals.

11.3 Automated Decision-Making

If our Services use automated decision-making to make decisions with significant legal or financial impact:

  • You have the right to opt-out and request human review
  • You have the right to understand the basis for automated decisions
  • You have the right to appeal automated decisions
  • See our Privacy Policy (Section 9) for opt-out procedures

12. Confidentiality

12.1 Confidential Information

“Confidential Information” means information marked as confidential or that reasonably should be understood as confidential. This includes:

  • Your business plans and strategies
  • Technical information and specifications
  • Pricing and financial information
  • Customer lists and personal data
  • Any information exchanged under a non-disclosure agreement

12.2 Our Obligations

We will:

  • Maintain Confidential Information in strict confidence
  • Use Confidential Information only to provide our Services
  • Limit access to employees with a need to know
  • Implement reasonable security measures
  • Not disclose Confidential Information to third parties without consent

Exceptions: We may disclose Confidential Information if required by law or legal process, after providing notice where possible.

13. Dispute Resolution and Governing Law

13.1 Governing Law

These Terms and your use of our Services are governed by the laws of the State of Florida, without regard to its conflict of law provisions. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

13.2 Dispute Resolution Process

Informal Resolution:
Before pursuing formal legal action, you agree to attempt to resolve disputes informally by contacting us at:

Josato Group LLC d/b/a Josa.ai
Attn: Legal Department
114 East Parker Street
Lakeland, Florida 33801
Email: legal@josa.ai
Phone: 863-591-5300

We will attempt to resolve your dispute within 60 days of receiving your notice.

13.3 Binding Arbitration (Optional)

If you are located in the United States, for any claim you bring (other than claims for injunctive relief), you may elect to resolve the dispute through binding arbitration rather than in court. To elect arbitration:

  • Send written notice to legal@josa.ai within 30 days of the dispute arising
  • The dispute will be resolved by a single arbitrator under JAMS Streamlined Arbitration Rules

Arbitration Terms:

  • Arbitration will be conducted in Polk County, Florida
  • Each party bears its own costs, and we split arbitrator fees equally
  • The arbitrator's award is final and binding
  • Either party may appeal on limited grounds as provided by law

13.4 Jurisdiction and Venue

If arbitration does not apply or is not elected, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Polk County, Florida for any legal proceedings.

13.5 Class Action Waiver

You and Josato Group LLC agree that any dispute will be resolved on an individual basis. You waive the right to participate in class actions, class arbitrations, or representative actions. Disputes must be brought in your individual capacity, not as a plaintiff or member of a class.

14. Export Controls and Sanctions

Our Services and technology are subject to U.S. export control laws, including the Export Administration Regulations (EAR) and International Traffic in Arms Regulations (ITAR). You agree not to:

  • Export or re-export our Services or underlying technology to prohibited countries
  • Use our Services in connection with prohibited end-uses (nuclear, missile, chemical/biological weapons)
  • Provide access to our Services to persons on U.S. government restricted lists (OFAC SDN, Entity List, etc.)
  • Use our Services in violation of any embargo or sanctions program

15. Modifications to Terms and Services

15.1 Changes to These Terms

We may modify these Terms at any time. Material changes will be effective 30 days after posting the revised Terms on our website or emailing notice to you. Your continued use of our Services constitutes acceptance of modified Terms.

15.2 Changes to Services

We may modify, suspend, or discontinue any feature of our Services, with or without notice. If we discontinue a core feature, we will provide reasonable notice.

16. Termination

16.1 Termination by You

You may terminate your account and these Terms at any time by:

  • Deleting your account through your account settings, or
  • Emailing support@josa.ai with your termination request

16.2 Termination by Us

We may terminate your access to our Services at any time, with or without cause, by:

  • Emailing you notice of termination, or
  • Disabling your account and access

Cause for termination includes (without limitation):

  • Violation of these Terms or our policies
  • Illegal activity or violation of law
  • Abuse of our Services or other users
  • Non-payment of fees

16.3 Effect of Termination

Upon termination:

  • Your right to access our Services immediately ceases
  • Any unpaid fees become immediately due
  • Your Content will be deleted within 90 days (unless we have a legal basis to retain)
  • Provisions that survive termination include: Intellectual Property Rights, Limitation of Liability, Indemnification, and Governing Law

17. General Provisions

17.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies or agreements referenced, constitute the entire agreement between you and Josato Group LLC regarding your use of our Services. Any prior understandings or agreements are superseded.

17.2 Severability

If any provision of these Terms is found to be unenforceable, that provision will be reformed to the minimum extent necessary to make it enforceable, or if not possible, severed. The remaining Terms will remain in effect.

17.3 Waiver

Our failure to enforce any provision does not constitute a waiver of that provision or any other provision. Waivers must be in writing and signed by both parties.

17.4 Assignment

You may not assign or transfer these Terms or your rights/obligations without our written consent. Any assignment without consent is void. We may assign these Terms to a successor entity.

17.5 Notices

Notices may be sent by:

  • Email to the address in your account
  • Mail to 114 East Parker Street, Lakeland, Florida 33801
  • Posted on our website

Notices are effective when received (email) or 5 business days after mailing.

17.6 Relationship of Parties

Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and Josato Group LLC. You are an independent user of our Services.

17.7 Survival

Provisions that survive termination include: Intellectual Property Rights, Warranties Disclaimer, Limitation of Liability, Indemnification, Governing Law, and any other provisions that by their nature should survive.

18. Accessibility

We are committed to making our Services accessible to individuals with disabilities. If you encounter accessibility issues, please contact:

accessibility@josa.ai

We will work with you to provide reasonable accommodations.

19. Contact Information

For questions, complaints, or legal notices regarding these Terms, please contact:

Josato Group LLC d/b/a Josa.ai
Attn: Legal / Terms of Service
114 East Parker Street
Lakeland, Florida 33801
United States

Phone: 863-591-5300
Email: legal@josa.ai

We will respond to inquiries within 30 days.

20. Additional Policies and Addenda

The following policies and addenda are incorporated by reference and form part of these Terms:

  • Privacy Policy: Governs data collection, use, and protection
  • Acceptable Use Policy: Details prohibited activities and enforcement
  • Copyright/DMCA Policy: Procedures for reporting copyright infringement
  • Accessibility Policy: Commitment to ADA and accessibility compliance
  • Service Level Agreement (if applicable): Uptime guarantees and SLAs

All policies are available on our website and will be provided upon request.

21. Acknowledgment

By accessing or using Josa.ai and our Services, you acknowledge that:

  • You have read and understood these Terms of Service
  • You agree to be bound by all terms and conditions herein
  • You are of legal age and have the authority to enter into this agreement
  • You will comply with all applicable laws and regulations
  • Any violation of these Terms may result in termination of your account and legal action

Effective Date: January 1, 2026

Last Updated: January 2026

Version: 1.0

These Terms of Service are compliant with U.S. state privacy laws effective January 1, 2026, including CCPA/CPRA, VCDPA, CPA, CTDPA, UCPA, OCPA, INCDPA, KCDPA, and RIDTPPA. Business should have legal counsel review these templates for their specific circumstances.