Terms of Service

1. Introduction and Acceptance

Welcome to Plainta. These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("User," "you," "your") and Plainta LLC, an Arizona limited liability company ("Plainta," "Company," "we," "us," "our"), governing your access to and use of the Plainta website, platform, applications, and all related services (collectively, the "Platform" or "Services").

BY ACCESSING, BROWSING, OR USING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. If you do not agree to these Terms, you must immediately discontinue use of the Platform.

These Terms apply to all users of the Platform, including but not limited to: (a) plaintiffs or prospective plaintiffs seeking pre-settlement funding evaluation ("Applicants" or "Clients"); (b) attorneys, law firms, paralegals, and legal professionals ("Attorneys" or "Legal Professionals"); and (c) funding companies, underwriters, capital providers, and their representatives ("Funders" or "Capital Partners").

2. Nature of Services

2.1 Platform Description

Plainta operates as a pre-settlement funding intake, evaluation, and verification platform. We serve as an intermediary facilitating connections between plaintiffs, their legal representatives, and third-party capital providers. We provide tools for case evaluation, attorney verification, and funding coordination.

2.2 What We Are NOT

Plainta is NOT:

• A law firm, attorney, or provider of legal services or advice
• A direct lender, funder, or financial institution
• A licensed financial advisor, tax advisor, or accountant
• An insurance company or claims administrator
• A guarantor of funding approval, amounts, or terms

NO LEGAL, FINANCIAL, OR TAX ADVICE: All information provided through the Platform is for general educational and informational purposes only. Nothing on this Platform constitutes legal advice, financial advice, tax advice, or any other professional advice. You should consult with qualified professionals regarding your specific situation.

2.3 Estimates and Projections

Any funding estimates, case evaluations, scores, ranges, or projections provided through the Platform are preliminary, non-binding, and subject to change. Actual funding amounts, terms, and approval are determined solely by third-party Funders in their absolute discretion. We make no representations, warranties, or guarantees regarding funding approval, amounts, timing, or terms.

3. Eligibility and Account Requirements

3.1 Age Requirement

You must be at least eighteen (18) years of age to use this Platform. By using the Platform, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into binding agreements. If you are under 18, you are prohibited from using the Platform.

3.2 Accuracy of Information

You agree to provide accurate, current, and complete information during registration and throughout your use of the Platform. You are solely responsible for maintaining the accuracy of your information. Providing false, misleading, or fraudulent information may result in immediate termination of access and potential legal action.

3.3 Account Security

You are responsible for maintaining the confidentiality of any account credentials, access links, or tokens associated with your use of the Platform. You agree to notify us immediately of any unauthorized access or security breach.

4. User Conduct and Prohibited Activities

You agree NOT to:

• Provide false, misleading, or fraudulent information
• Impersonate any person or entity
• Use the Platform for any unlawful purpose
• Interfere with or disrupt the Platform's operation
• Attempt to gain unauthorized access to any systems
• Scrape, harvest, or collect data without authorization
• Transmit viruses, malware, or harmful code
• Violate any applicable laws or regulations
• Use automated systems to access the Platform without permission
• Circumvent any security measures or access controls
• Engage in any activity that could damage our reputation

5. Third-Party Relationships and Data Sharing

5.1 Third-Party Funders and Capital Providers

By submitting an application or using our Services, you acknowledge and consent that your information may be shared with third-party funding companies, underwriters, capital providers, and their authorized representatives for the purpose of evaluating your case and potential funding eligibility. These third parties are independent entities and not agents or employees of Plainta.

5.2 Attorney Network and Referrals

If you do not have legal representation, you consent to your information being shared with attorneys and law firms in our network for potential case evaluation and representation. Attorneys who receive your information may contact you for marketing, case evaluation, or other purposes. Any attorney-client relationship formed is solely between you and the attorney.

5.3 Affiliated Companies and Technology Partners

We may share information with our affiliated companies, subsidiaries, technology partners, and service providers, including those providing artificial intelligence, automation, software, and related services. These entities may use data to improve services, develop products, or for other business purposes as described in our Privacy Policy.

5.4 No Third-Party Affiliation

Plainta is not affiliated with, endorsed by, or sponsored by Google, Meta (Facebook/Instagram), Microsoft, Apple, or any other technology company unless explicitly stated. Any trademarks, logos, or brand names displayed are the property of their respective owners.

6. Artificial Intelligence and Automated Systems

6.1 Use of AI Technology

The Platform utilizes artificial intelligence, machine learning, automated decision-making systems, and other technologies to provide Services. These technologies assist with case evaluation, scoring, document processing, communication, and other functions.

6.2 AI Limitations and Disclaimer

ARTIFICIAL INTELLIGENCE CAN AND DOES MAKE MISTAKES. AI-generated content, evaluations, scores, estimates, and recommendations may be inaccurate, incomplete, or erroneous. You should not rely solely on AI-generated information for important decisions. We do not guarantee the accuracy, reliability, or completeness of any AI-generated content.

6.3 Data Storage and Processing

By using the Platform, you consent to our storage, processing, and analysis of your data, including but not limited to application data, communications, chat transcripts, documents, and interaction history. This data may be used to train, improve, and develop AI systems and other technologies.

7. Pricing, Fees, and Economic Terms

We reserve the right to modify, change, or adjust any pricing, fees, rates, terms, or economic arrangements at any time, with or without notice, in our sole discretion. This includes but is not limited to: referral fees, lead generation fees, platform fees, subscription fees, success fees, and any other charges associated with the Platform.

Any funding terms, interest rates, fees, or costs associated with pre-settlement funding are determined solely by third-party Funders and are not controlled by Plainta. You are responsible for reviewing and understanding all terms before accepting any funding offer.

8. Intellectual Property

All content, features, functionality, software, designs, text, graphics, logos, trademarks, and other materials on the Platform ("Content") are owned by Plainta or its licensors and are protected by intellectual property laws. You may not copy, modify, distribute, sell, or exploit any Content without express written permission.

By submitting content to the Platform, you grant Plainta a worldwide, non-exclusive, royalty-free, perpetual, irrevocable license to use, reproduce, modify, adapt, publish, and distribute such content for any purpose related to our business operations.

9. Disclaimers and Limitation of Liability

9.1 Disclaimer of Warranties

THE PLATFORM AND ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

We do not warrant that: (a) the Platform will be uninterrupted, secure, or error-free; (b) results obtained will be accurate or reliable; (c) any errors will be corrected; or (d) the Platform is free of viruses or harmful components.

9.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL PLAINTA, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE PLATFORM SHALL NOT EXCEED THE GREATER OF: (A) ONE HUNDRED DOLLARS ($100.00); OR (B) THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

9.3 No Guarantees

We make no guarantees regarding funding approval, funding amounts, attorney representation, case outcomes, or any other results. All estimates are preliminary and subject to third-party approval and verification.

10. Indemnification

You agree to indemnify, defend, and hold harmless Plainta, its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to: (a) your use of the Platform; (b) your violation of these Terms; (c) your violation of any rights of third parties; (d) any content you submit; or (e) your fraudulent or negligent acts or omissions.

11. Dispute Resolution and Arbitration

11.1 Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Any dispute, controversy, or claim arising out of or relating to these Terms, the Platform, or our Services shall be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify.

11.2 Arbitration Rules and Procedures

Arbitration shall be administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules. The arbitration shall be conducted by a single arbitrator. The arbitration shall take place in Phoenix, Arizona, unless otherwise agreed by the parties.

11.3 Class Action Waiver

YOU AND PLAINTA AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

11.4 Exceptions and Carve-Outs

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights or confidential information.

11.5 Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to legal@plainta.com within thirty (30) days of first accepting these Terms. Your notice must include your name, address, and a clear statement that you wish to opt out of this arbitration agreement.

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law provisions. Subject to the arbitration provisions above, any legal action or proceeding shall be brought exclusively in the state or federal courts located in Maricopa County, Arizona, and you consent to the personal jurisdiction of such courts.

13. Modifications to Terms

We reserve the right to modify, amend, or update these Terms at any time in our sole discretion. Changes will be effective upon posting to the Platform with an updated "Last Updated" date. Your continued use of the Platform after any changes constitutes acceptance of the modified Terms. We encourage you to review these Terms periodically.

14. Termination

We may suspend or terminate your access to the Platform at any time, for any reason or no reason, with or without notice, in our sole discretion. Upon termination, your right to use the Platform ceases immediately. Provisions that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

15. Miscellaneous Provisions

Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Plainta regarding the Platform.

Severability: If any provision is found unenforceable, the remaining provisions shall continue in full force and effect.

Waiver: Our failure to enforce any right or provision shall not constitute a waiver of such right or provision.

Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations without restriction.

Headings: Section headings are for convenience only and have no legal effect.

16. Contact Information

For questions, concerns, or notices regarding these Terms, please contact us at: