Terms of Service

1. Acceptance of Terms

Welcome to eHelpLab. By accessing or using our website, mobile applications, or any of our services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree to these Terms, please do not use our Services.

eHelpLab reserves the right to modify these Terms at any time. We will notify you of any material changes by posting the updated Terms on our website. Your continued use of the Services after such changes constitutes your acceptance of the new Terms.

2. Description of Services

eHelpLab is a Consumer Application Protection & Privacy Platform that facilitates secure communication between service providers and consumers. Our Services include, but are not limited to:

• Identity verification services
• Fraud alert notifications
• Secure document delivery
• Application status updates
• Consent and preference management
• Secure SMS communications

3. Eligibility

The Services offered on this website are not available to persons under the age of 18. By using our Services, you represent and warrant that you are at least 18 years of age and are a legal resident of the United States. You also represent that you have the legal capacity to enter into binding agreements.

4. User Responsibilities

When using our Services, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Use the Services only for lawful purposes
• Not attempt to interfere with or disrupt our Services
• Not impersonate any person or entity

5. Communications Consent

By providing your phone number and opting in to receive communications, you consent to receive recurring automated text messages from eHelpLab and our partner service providers. These messages may include:

• Marketing communications (if opted in)
• Account notifications
• Service updates
• Identity verification requests
• Fraud alerts

Message and data rates may apply. You may opt out at any time by replying STOP to any message or by contacting us directly. Reply HELP for assistance. Message frequency varies based on your preferences and account activity.

By providing your phone number, you acknowledge that you may receive communications even if your number is registered on state or federal Do-Not-Call lists, as these communications are related to your account and requested services.

6. Mobile Data Protection

Your mobile phone number is used solely for the purposes of providing our Services, including identity verification, fraud alerts, and account notifications. We are committed to protecting your mobile data and maintaining your privacy.

7. Intellectual Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, icons, images, audio clips, and software, are the exclusive property of eHelpLab or its licensors and are protected by United States and international copyright, trademark, and other intellectual property laws.

8. Third-Party Services

Our Services may contain links to or integrations with third-party websites, applications, or services. eHelpLab is not responsible for the content, privacy policies, or practices of any third-party services. Your interactions with third-party services are governed by their respective terms and policies.

9. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. eHelpLab does not warrant that the Services will be uninterrupted, error-free, or completely secure.

Our Services are not intended as a substitute for professional advice. You should consult with appropriate professionals before making decisions based on information obtained through our Services.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, eHelpLab AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU PAID TO eHelpLab IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.

11. Indemnification

You agree to indemnify, defend, and hold harmless eHelpLab and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses arising out of or related to your use of the Services or your violation of these Terms.

12. Dispute Resolution

Any dispute, controversy, or claim arising out of or relating to these Terms or the Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall be conducted in Los Angeles, California.

YOU AGREE TO WAIVE YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN CLASS ACTION LAWSUITS OR CLASS-WIDE ARBITRATION.

Any claim or cause of action arising out of or relating to these Terms or the Services must be commenced within one (1) year after the claim or cause of action arose; otherwise, such claim or cause of action is permanently barred.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

14. Termination

eHelpLab reserves the right to suspend or terminate your access to the Services at any time, with or without cause, and with or without notice. Upon termination, your right to use the Services will immediately cease.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

16. Contact Information

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