Broker Credibility — Terms of Service

Effective Date: June 8, 2026
Last Updated: June 8, 2026

IMPORTANT NOTICE. These Terms of Service ("Terms") form a binding legal agreement between you and Broker Credibility, Inc. ("Broker Credibility," "we," "our," or "us"). They include a binding individual arbitration agreement and class-action waiver in Section 31, with a 30-day opt-out right. Read carefully. By using the Platform you agree to these Terms.

1. Acceptance of Terms

By (a) accessing, browsing, or registering for the Platform, (b) submitting any Content, (c) purchasing, ordering, or accepting any Service or Placement, (d) clicking a button or checkbox indicating acceptance, or (e) otherwise using the Platform in any manner, you agree to be bound by these Terms, the Privacy Policy, the Acceptable Use Policy, and any other policy referenced or incorporated by these Terms (collectively, the "Agreement"). If you do not agree, you must not access or use the Platform.

If you accept these Terms on behalf of an entity (a carrier, brokerage, shipper, 3PL, or other company), you represent and warrant that you have authority to bind that entity, and "you" refers to both you individually and that entity.

2. Definitions

The following capitalized terms have the meanings given below:

"Platform" means the websites located at brokercredibility.com and any subdomains, mobile experiences, APIs, emails, communications, and related services operated by Broker Credibility.
"User" means any person or entity that accesses the Platform, regardless of registration.
"Member" means a User who has registered for an account.
"Verified Member" means a Member who has completed Broker Credibility's identity, role, or authority verification process. Verification status may be revoked at any time.
"Advertiser" means a Member approved by Broker Credibility to purchase Placements.
"Broker Subject" means a freight broker, brokerage, 3PL, shipper, warehouse, factoring company, fuel card provider, or other transportation industry participant that may be the subject of a Submission, listing, or aggregated data on the Platform.
"Submission" means any narrative, rating, document, image, video, audio, or other content uploaded, posted, or transmitted to the Platform by a User.
"Content" means any Submission together with any other text, data, output, score, ranking, analysis, summary, or material made available through the Platform.
"Credibility Score" means any score, rank, grade, classification, summary, or AI-generated assessment displayed on or derived by the Platform.
"Moderator" means any human reviewer or automated system used by Broker Credibility to review, edit, approve, reject, or otherwise act upon Submissions.
"Evidence" means bills of lading, rate confirmations, invoices, emails, text messages, payment records, recordings (where lawful), and other documentation supporting a Submission.
"Order" means an Advertiser's purchase request for a Placement, accepted by Broker Credibility in its sole discretion.
"Placement" means any sponsorship, featured listing, ad unit, breaking alert, or other promotional position made available by Broker Credibility.
"Effective Date" means the date shown at the top of these Terms or the date you first accept them, whichever is later.
"Confidential Information" means non-public information about Broker Credibility's business, methodologies, moderation logs, pricing, or roadmap disclosed to you in connection with the Platform.

3. Purpose of the Platform

Broker Credibility operates a moderated user-generated content service that allows transportation industry participants to document and share professional experiences regarding Broker Subjects. The Platform aggregates Submissions, applies editorial moderation, and may generate Credibility Scores and analytics intended as informational tools.

Broker Credibility does not verify every Submission, does not investigate every dispute, and does not endorse, recommend, certify, or discourage the use of any Broker Subject. Use of Platform Content for business decisions is at your sole risk.

4. Changes to Terms, Services, and Methodologies

Broker Credibility reserves the unrestricted right, in its sole discretion, to modify these Terms, the Privacy Policy, scoring methodologies, moderation standards, available Services, pricing, advertising programs, Placement inventory, and any Platform functionality at any time. Material changes to these Terms will be communicated by (a) posting the revised Terms at /terms with an updated "Last Updated" date, and (b) where Broker Credibility deems appropriate, sending notice to the email address on file or displaying an in-Platform notice. Continued use of the Platform after the effective date of a change constitutes acceptance of the revised Terms. If you do not agree, you must stop using the Platform.

5. Eligibility and Accounts

To use the Platform you must be at least 18 years old, have legal capacity to enter into a binding contract, and not be barred from receiving services under the laws of the United States or any other applicable jurisdiction. You agree to (a) provide accurate, current, and complete registration information, (b) maintain and promptly update that information, (c) safeguard your credentials, and (d) accept full responsibility for all activity occurring under your account. Broker Credibility may refuse, suspend, or terminate any account at any time.

6. User Verification Requirements

Broker Credibility may require Users to complete identity, role, authority, or business verification — including but not limited to government-issued identification, MC/DOT number confirmation, FMCSA SAFER cross-checks, employment or authority letters, business registration documents, payment-method verification, phone or email verification, and selfie or liveness checks. You agree to cooperate with these requests and warrant that all verification information is true, current, and complete. Broker Credibility may use third-party verification providers and may store, share, and retain verification data consistent with the Privacy Policy and applicable law.

Broker Credibility has no obligation to verify any specific User and is not liable for the actions of any User, whether Verified or not. Verification status indicates only that a User has submitted information consistent with Broker Credibility's then-current process; it is not a guarantee of identity, character, solvency, or trustworthiness.

7. User Certifications

By submitting any Content, you certify and warrant that:

The Submission is based on your own actual, first-hand professional experience, except for clearly labeled opinion or commentary.
The Submission is truthful and accurate to the best of your knowledge.
You possess, and will retain, reasonable supporting documentation for the material factual assertions in the Submission.
You are not a competitor, agent of a competitor, current employee, former employee with a non-disparagement obligation, or other person with a material undisclosed conflict of interest with the Broker Subject — or you have clearly disclosed any such relationship within the Submission.
You have all rights necessary to grant Broker Credibility the license in Section 21, including consent from any third party identified in the Submission.
The Submission does not contain unlawful, defamatory, harassing, threatening, discriminatory, infringing, or privacy-violating content.

8. Evidence Retention and Production

You agree to retain all Evidence reasonably related to your Submissions for the longer of (a) two (2) years from the date of submission, or (b) the period required by applicable law. Upon request by Broker Credibility, a Moderator, a court of competent jurisdiction, or other authority recognized by Broker Credibility, you will promptly produce Evidence. Failure or refusal to produce Evidence may result in removal of the Submission, suspension of your account, downward adjustment of credibility weighting, and other action at Broker Credibility's discretion.

9. Content Standards

You may not submit Content that:

(a) you know or reasonably should know is false, fabricated, fraudulent, misleading, or materially inaccurate;
(b) constitutes defamation, libel, or trade libel;
(c) makes unverified criminal accusations (e.g., calling a person or company a "thief," "scammer," "criminal," or "fraudster") without supporting Evidence and neutral framing;
(d) threatens, harasses, doxxes, intimidates, or incites violence against any person;
(e) discloses personally identifying information (home address, family members, social security numbers, driver's license numbers, financial account numbers) of any individual;
(f) infringes any copyright, trademark, trade secret, right of publicity, contract right, or other intellectual or proprietary right;
(g) violates any non-disclosure agreement, settlement agreement, court seal, protective order, or other lawful confidentiality obligation;
(h) contains malware, scraping scripts, or code designed to interfere with the Platform;
(i) is off-topic, spam, commercial promotion (other than approved Placements), or solicitations; or
(j) violates any applicable law or regulation.

10. Moderation and Content Dispute Procedures

10.1 Two-Stage Review. All Submissions are subject to a two-stage moderation workflow: (i) automated AI pre-screening for policy and defamation risk, followed by (ii) human review by trained Moderators. Submissions may be accepted, rejected, edited, summarized, paraphrased into neutral language, delayed, redacted, archived, or held pending Evidence at the sole discretion of Broker Credibility.

10.2 Evidence Weighting. Submissions accompanied by verifiable Evidence may be weighted more heavily in Credibility Scores than uncorroborated Submissions. Recency, reporter diversity, and Verified Member status are also factors. Methodologies may change without notice and are proprietary.

10.3 Brigading Dampener. Multiple distinct Verified Members reporting consistent material facts are required before a single severe issue materially affects a Credibility Score. Coordinated submissions, duplicate accounts, and competitor pile-ons are detected and may be discounted, removed, or escalated.

10.4 Broker Subject Response. A Broker Subject identified in a published Submission may submit a written response or dispute through the Platform's designated channel. Broker Credibility may, at its sole discretion, (i) publish the response, (ii) request additional Evidence from either party, (iii) edit or remove the Submission, (iv) take no action, or (v) refer the matter to The Judge's Corner panel. Broker Credibility is not obligated to notify any Broker Subject in advance of publication, to seek response, to publish any response, or to remove any Submission solely because it is disputed.

10.5 Appeals. Users may appeal a moderation decision by submitting a written appeal to info@brokercredibility.com within thirty (30) days of the decision. Appeals are reviewed by a Moderator who did not participate in the original decision when reasonably practicable. Appeal decisions are final.

10.6 Moderation Logs. Broker Credibility preserves moderation logs, AI screening output, Moderator notes, and version histories for operational, legal, compliance, and audit purposes. These logs are Confidential Information and are not made available to Users or Broker Subjects except as required by law or court order.

11. Editorial Rights

Broker Credibility retains complete editorial discretion and may review, edit, summarize, categorize, feature, demote, reject, delay, archive, remove, or otherwise moderate any Content at any time, with or without notice, for any reason or no reason.

12. No Right to Publication; Member-Initiated Removal Requests

Submission of Content does not create any obligation for Broker Credibility to publish, maintain, preserve, display, or distribute the Content. Publication may be removed at any time.

Member-initiated deletion. A Member who authored a Submission may delete that Submission at any time from their member dashboard at no charge. A deleted Submission is immediately removed from public Broker pages. Members have thirty (30) days from the deletion date to restore the Submission through their dashboard, after which the Submission is permanently removed and cannot be recovered. Deletion does not constitute a retraction, correction, or admission of inaccuracy; the Submission remains the Member's own statement at the time it was made. Broker Credibility may retain copies of deleted Submissions as required for legal, audit, regulatory, subpoena-response, or pattern-of-conduct purposes, consistent with applicable law and Section 11 (Evidence Retention).

13. No Duty to Investigate

Broker Credibility has no duty to independently investigate, verify, validate, confirm, or adjudicate any Submission, dispute, claim, or counter-claim.

14. No Duty Owed to Broker Subjects

Broker Subjects are not parties to these Terms by virtue of being the subject of a Submission. Broker Credibility owes no duty to any Broker Subject to notify, seek response, publish rebuttals, or remove Content solely because it is disputed. Nothing in these Terms creates a third-party beneficiary right in any Broker Subject.

15. Credibility Scores, Rankings, and AI Analytics

Credibility Scores, rankings, classifications, summaries, AI-generated assessments, watchlist alerts, and other analytical outputs are opinions and informational tools based on available data and proprietary methodologies that may change without notice. They are not statements of fact, are not credit reports, are not consumer reports, and are not regulated under the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. They must not be used as the sole basis for any business, credit, employment, insurance, or licensing decision.

16. No Business Recommendation

The Platform does not recommend, require, endorse, approve, discourage, or prohibit any business relationship between any User and any Broker Subject. The decision to enter into, continue, or end a business relationship is solely yours.

17. Third-Party Reliance Disclaimer

You agree that you remain solely responsible for your own due diligence and business decisions. No User, Broker Subject, or third party should rely exclusively upon Platform Content, and Broker Credibility expressly disclaims liability for decisions made in reliance on Platform Content.

18. Advertising and Placements

18.1 Approval-Only Model. The Platform does not offer self-serve advertising. Advertisers must apply and be approved by Broker Credibility. Each Order is subject to Broker Credibility's acceptance, and acceptance may be withheld at its sole discretion.

18.2 Creative Standards. All advertising creative (copy, imagery, click-through URLs, video) is subject to review and approval. Broker Credibility may require revisions, reject creative, pause campaigns, or remove live creative at any time without refund where the creative violates these Terms, the Advertiser Policies, or applicable law (including FTC endorsement guides and transportation industry regulations).

18.3 No Influence on Editorial. Purchase of any Placement does not influence, and shall never be represented as influencing, moderation decisions, Credibility Scores, rankings, search position in the directory, dispute outcomes, or any editorial decision. Advertising is clearly labeled.

18.4 Performance Metrics. Impressions, clicks, click-through rate, and other metrics are estimates provided "as is" and may be adjusted for invalid traffic, fraud, technical errors, or measurement changes.

18.5 Compliance. Advertisers represent and warrant that all creative is truthful, non-deceptive, and complies with all applicable laws including the FTC Act, CAN-SPAM Act, TCPA, state UDAP statutes, and FMCSA regulations. Advertisers grant Broker Credibility a non-exclusive, royalty-free license to host, display, and reformat creative as needed to run the campaign.

18.6 Advertiser Indemnification. In addition to Section 30, Advertisers shall defend, indemnify, and hold harmless Broker Credibility from any claim arising out of the creative, the underlying products or services advertised, or representations made to the audience.

18.7 Termination of Placements. Broker Credibility may terminate any Placement immediately for breach. On termination for cause, no refund is owed.

19. Payment and Refunds

19.1 Processor. Payments are processed by Stripe and/or other third-party processors. By submitting payment information, you authorize the applicable processor to charge your payment method for all amounts due. You agree to processor terms separately.

19.2 Currency, Taxes, and Authorization. All amounts are in U.S. Dollars unless otherwise stated and are exclusive of taxes. You are responsible for all applicable sales, use, VAT, GST, and similar taxes. You authorize Broker Credibility to charge your payment method for Orders you place and for any add-on, renewal, or upgrade you authorize.

19.3 Non-Refundable. Except as required by law or expressly provided in these Terms, all fees are non-refundable once any of the following has occurred: (a) the Order is approved, (b) the Placement is scheduled, (c) creative has been reviewed, or (d) the Placement has begun running. Broker Credibility may, in its sole discretion, issue pro-rata credits or refunds for Platform outages exceeding twenty-four (24) consecutive hours that materially prevent delivery.

19.4 Failed Payments. If a payment fails, Broker Credibility may pause or terminate live Placements, suspend access, and pursue collection. You agree to reimburse Broker Credibility for reasonable collection costs, including attorneys' fees and court costs.

19.5 Chargebacks. Initiating a chargeback without first contacting info@brokercredibility.com and allowing thirty (30) days to resolve the dispute is a material breach of these Terms. Broker Credibility may, on a chargeback, immediately suspend or terminate your account, remove your Placements, and pursue the disputed amount plus chargeback fees.

19.6 Renewals. Where you have authorized auto-renewal, Placements renew at the then-current rate until cancelled in writing with at least seven (7) days' notice before renewal.

20. Intellectual Property

All Platform software, source code, branding, logos, trademarks, service marks, trade names, algorithms, databases, methodologies, scoring models, reports, dashboards, designs, training data, and any other content created by or for Broker Credibility are and shall remain the exclusive property of Broker Credibility and its licensors. No rights are granted to you except as expressly stated in these Terms.

21. License to User Content

You grant Broker Credibility a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, sublicensable, and transferable license to host, store, reproduce, modify, adapt, translate, summarize, paraphrase, redact, create derivative works of, distribute, publish, perform, display, archive, and otherwise use your Submissions in any media now known or later developed, in connection with the operation, promotion, and improvement of the Platform, including training and improving AI moderation and scoring models. You waive any moral rights to the extent permitted by law. This license survives termination of your account.

22. DMCA / Copyright Procedures

Broker Credibility complies with the Digital Millennium Copyright Act, 17 U.S.C. § 512.

22.1 Designated Agent. Send copyright infringement notices to Broker Credibility's Designated Agent:

Attention: DMCA Agent
Broker Credibility, Inc.
Email: info@brokercredibility.com

22.2 Notice Requirements. A valid notice must include, at minimum: (i) a physical or electronic signature of the owner or authorized agent; (ii) identification of the copyrighted work claimed to have been infringed; (iii) identification of the material claimed to be infringing and information reasonably sufficient to locate it; (iv) your contact information; (v) a statement that you have a good-faith belief that the use is not authorized; and (vi) a statement, under penalty of perjury, that the information is accurate and you are authorized to act for the owner.

22.3 Counter-Notice. A subscriber whose material was removed may submit a counter-notice containing (i) a signature; (ii) identification of the removed material and its prior location; (iii) a statement under penalty of perjury of a good-faith belief that the material was removed by mistake or misidentification; and (iv) consent to the jurisdiction of the federal district court for the Eastern District of Virginia and acceptance of service from the original complainant.

22.4 Repeat Infringers. Broker Credibility will, in appropriate circumstances, terminate the accounts of Users who are repeat infringers.

22.5 False Claims. Under 17 U.S.C. § 512(f), any person who knowingly materially misrepresents that material is infringing, or was removed by mistake, may be liable for damages. Do not make false claims.

23. Anti-Scraping and Automated Access

You may not scrape, harvest, copy, extract, mirror, frame, republish, license, sell, or create derivative databases or AI training datasets from Platform Content, in whole or in part, without Broker Credibility's prior written authorization. You may not (a) use any robot, spider, crawler, or other automated means to access the Platform except as expressly permitted by robots.txt and these Terms; (b) bypass any rate limits, authentication, or access controls; or (c) interfere with the proper working of the Platform. Broker Credibility may rate-limit, throttle, block, or take legal action under the Computer Fraud and Abuse Act (18 U.S.C. § 1030), Virginia Code § 18.2-152.5, and other applicable law against violators.

24. Privacy

Your use of the Platform is also governed by the Broker Credibility Privacy Policy, incorporated by reference. The Privacy Policy describes the personal information we collect, how we use cookies and similar technologies, how we share data with service providers (including Stripe, our hosting provider, our email provider, and analytics providers), how we respond to your privacy rights requests under the California Consumer Privacy Act ("CCPA"), Virginia Consumer Data Protection Act ("VCDPA"), and similar state laws, and how to contact our privacy team. Where these Terms and the Privacy Policy conflict on a privacy matter, the Privacy Policy controls.

25. Legal Compliance, Subpoenas, and Disclosure

Broker Credibility may access, preserve, and disclose Content, account information, IP addresses, logs, and other data when it believes in good faith that disclosure is (a) required by law, subpoena, court order, or governmental request; (b) necessary to enforce these Terms; (c) necessary to respond to claims that any Content violates the rights of third parties; or (d) necessary to protect the rights, property, or personal safety of Broker Credibility, its Users, or the public.

26. Record Preservation

Broker Credibility may preserve records, communications, moderation logs, account information, uploaded files, payment records, and technical metadata for legal, operational, compliance, audit, or investigative purposes for the longer of (a) the period required by applicable law, or (b) such period as Broker Credibility reasonably determines.

27. Disclaimer of Warranties

THE PLATFORM AND ALL CONTENT ARE PROVIDED "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS." TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BROKER CREDIBILITY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, MODERATORS, CONTRACTORS, LICENSORS, AND AFFILIATES (COLLECTIVELY, THE "BROKER CREDIBILITY PARTIES") DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, AVAILABILITY, SECURITY, OR ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. THE BROKER CREDIBILITY PARTIES DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT ANY CONTENT IS ACCURATE, COMPLETE, OR RELIABLE.

28. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE BROKER CREDIBILITY PARTIES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, DATA, OR OPPORTUNITY, ARISING OUT OF OR RELATED TO THE PLATFORM, ANY CONTENT, OR THESE TERMS, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE BROKER CREDIBILITY PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

29. Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF THE BROKER CREDIBILITY PARTIES ARISING OUT OF OR RELATED TO THESE TERMS OR THE PLATFORM SHALL NOT EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS ($100), OR (B) THE TOTAL AMOUNTS PAID BY YOU TO BROKER CREDIBILITY DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. MULTIPLE CLAIMS DO NOT EXPAND THIS CAP.

Some jurisdictions do not allow the exclusion or limitation of incidental, consequential, or certain other damages. In such jurisdictions, the limitations and exclusions in Sections 27, 28, and 29 apply to the maximum extent permitted by law.

30. Indemnification

You shall defend, indemnify, and hold harmless the Broker Credibility Parties from and against any and all claims, demands, suits, proceedings, investigations, losses, damages, liabilities, judgments, settlements, fines, penalties, costs, and expenses (including reasonable attorneys' fees and court costs) (collectively, "Claims") arising out of or related to: (a) your Content, including any allegation of defamation, infringement, invasion of privacy, or violation of right of publicity; (b) your use or misuse of the Platform; (c) your violation of these Terms or any law; (d) your violation of any third party's rights; (e) any Order, Placement, or product or service advertised by you; (f) your tax obligations; (g) any dispute between you and any other User, Advertiser, or Broker Subject; and (h) any breach of your representations or warranties.

Broker Credibility may, at its option, control the defense and settlement of any Claim, with counsel of its choosing. You shall cooperate fully. You shall not settle any Claim without Broker Credibility's prior written consent. This Section survives termination.

31. Informal Dispute Resolution, Binding Arbitration, and Class Waiver

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU TO ARBITRATE DISPUTES WITH BROKER CREDIBILITY ON AN INDIVIDUAL BASIS AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF.

31.1 Informal Resolution. Before initiating arbitration, you and Broker Credibility agree to attempt to resolve any dispute informally for at least thirty (30) days. You must first send a written Notice of Dispute to Broker Credibility, Inc., Attn: Legal — Disputes, by email to info@brokercredibility.com, including (a) your name and account email; (b) a description of the dispute; and (c) the relief sought. Broker Credibility will send any Notice of Dispute to the email on file for your account. The statute of limitations and any filing-fee deadlines are tolled during the informal resolution period.

31.2 Binding Arbitration. If the dispute is not resolved within thirty (30) days after Notice of Dispute, either party may initiate binding arbitration administered by the American Arbitration Association ("AAA") under the AAA Consumer Arbitration Rules then in effect (or, if you are using the Platform as a business, the AAA Commercial Arbitration Rules). The arbitration shall be conducted by a single neutral arbitrator. The seat and place of arbitration shall be the Commonwealth of Virginia, and the language shall be English. Hearings may be conducted by video. Arbitration fees shall be allocated as provided in the applicable AAA rules; Broker Credibility will pay filing and administrative fees beyond those required of you by the AAA rules where required by law or where you demonstrate inability to pay.

31.3 Individual Basis Only — Class Waiver. YOU AND BROKER CREDIBILITY AGREE THAT ANY DISPUTE WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding. If this paragraph is held unenforceable as to any particular claim for relief, that claim shall be severed and adjudicated in court; all remaining claims shall proceed in arbitration.

31.4 Mass Arbitration Protocol. If twenty-five (25) or more similar arbitration demands are filed by or with the assistance of the same counsel or coordinated parties within a sixty (60)-day period, the parties agree to a staged batching protocol: the first ten (10) demands shall proceed and the remaining demands shall be stayed pending resolution. The parties shall meet and confer in good faith with AAA to implement an efficient batching procedure.

31.5 30-Day Opt-Out. You may opt out of this arbitration agreement within thirty (30) days of first accepting these Terms by sending a written, signed notice to Broker Credibility, Inc., Attn: Arbitration Opt-Out, by email to info@brokercredibility.com, including your name, account email, and a clear statement that you opt out of arbitration. If you opt out, this Section 31 will not apply to you; all other Terms remain in effect.

31.6 Carve-Outs. Notwithstanding the above, either party may (a) bring an individual action in small claims court for claims that qualify, and (b) seek temporary or preliminary injunctive relief in court to protect intellectual property, trade secrets, or to enforce Section 23 (anti-scraping), without first complying with Sections 31.1–31.2.

31.7 Federal Arbitration Act. This Section is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq.

31.8 Severability. If any portion of this Section other than Section 31.3 is held invalid or unenforceable, the remainder shall continue in force. If Section 31.3 is held invalid as to a particular request for relief, the entire Section 31 is unenforceable as to that request for relief only, and any such request shall proceed in court under Section 35.

32. Jury Trial Waiver

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND BROKER CREDIBILITY EACH WAIVE THE RIGHT TO A TRIAL BY JURY IN ANY ACTION ARISING OUT OF OR RELATED TO THESE TERMS OR THE PLATFORM.

33. Suspension and Termination

Broker Credibility may suspend, restrict, disable, or terminate your account, any Submission, or any Order at any time, with or without notice, for any reason or no reason, including suspected breach of these Terms. On termination: (a) your right to use the Platform ceases immediately; (b) Submissions previously published may, at Broker Credibility's discretion, remain available under the license in Section 21; (c) Orders not yet delivered may be cancelled without refund where termination is for cause; and (d) Sections 7–34 and 36–39 survive.

34. Force Majeure

Broker Credibility shall not be liable for any delay or failure in performance caused by events beyond its reasonable control, including cyberattacks, denial-of-service attacks, outages of upstream providers (hosting, payments, email, AI), natural disasters, pandemic, war, civil unrest, governmental action, labor disputes, or failures of telecommunications.

35. Governing Law and Venue

These Terms and any dispute arising out of or related to these Terms or the Platform are governed by the laws of the Commonwealth of Virginia, without regard to its conflict-of-laws rules. For any dispute not subject to arbitration under Section 31, the parties consent to the exclusive jurisdiction and venue of the state and federal courts located in the Commonwealth of Virginia, and waive any objection based on forum non conveniens. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

36. State-Specific Disclosures

California residents. Pursuant to California Civil Code § 1789.3, California Users may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Sacramento, CA 95834, or by phone at (800) 952-5210. California Users have rights under the CCPA/CPRA — see the Privacy Policy.

Virginia residents. Virginia consumers have rights under the Virginia Consumer Data Protection Act ("VCDPA") — see the Privacy Policy.

New Jersey residents. Nothing in Sections 27, 28, 29, or 30 is intended to limit liability for any matter that, under New Jersey law, may not be limited or disclaimed. To the extent any such limitation conflicts with the New Jersey Truth-in-Consumer Contract, Warranty and Notice Act or similar law, that limitation is modified to the minimum extent necessary to comply.

Other jurisdictions. Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages. In those jurisdictions, the disclaimers and limitations in these Terms apply to the maximum extent permitted by law.

37. Notices

To you. Broker Credibility may give notice by (a) email to the address on file for your account; (b) posting within the Platform; or (c) posting a revised version of these Terms or a referenced policy with an updated "Last Updated" date. Notice is deemed received on the date sent (for email and in-Platform) or the date posted (for posted notices).

To Broker Credibility. Except where these Terms specify otherwise, notice to Broker Credibility must be sent by email to info@brokercredibility.com, Attn: Legal. Notice is deemed received on the date of confirmed delivery.

38. Assignment

Broker Credibility may assign or transfer these Terms, in whole or in part, without notice or consent, including to an affiliate or in connection with a merger, acquisition, financing, or sale of assets. You may not assign or transfer these Terms without Broker Credibility's prior written consent. Any unauthorized assignment is void.

39. Severability, Survival, Entire Agreement, No Waiver, Headings

If any provision of these Terms is held invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary and the remaining provisions shall remain in full force and effect. The provisions of Sections 7, 8, 10.6, 17, 18.6, 19, 20, 21, 22.5, 23, 25, 26, 27, 28, 29, 30, 31, 32, 35, 36, 37, 38, 39, and 40 survive termination. These Terms, together with the Privacy Policy, Acceptable Use Policy, and any Order or written agreement signed by Broker Credibility, constitute the entire agreement between you and Broker Credibility regarding the Platform and supersede all prior or contemporaneous communications. No waiver of any provision is a continuing waiver. Section headings are for convenience only and do not affect interpretation.

40. Contact Information

Broker Credibility, Inc.
Email: info@brokercredibility.com