Terms of Service

Agreement Overview

Welcome to Creator Business OS ("we," "our," or "us"). These Terms of Service ("Terms") govern your use of our website, services, and products designed to help content creators establish and optimize their businesses. By using our services, you're entering into a binding agreement with us.

We've designed our platform specifically for content creators, influencers, and digital entrepreneurs who want to build legitimate, profitable businesses. Whether you're a YouTuber, TikToker, Twitch streamer, or any other type of content creator, these terms apply to your use of our services.

These Terms work alongside our Privacy Policy, which explains how we collect, use, and protect your information. By using our services, you're also agreeing to our Privacy Policy.

1. Acceptance of Terms

1.1 Agreement to Terms

By accessing our website, purchasing our services, or using our tools, you agree to be bound by these Terms of Service, our Privacy Policy, and all applicable laws and regulations. This agreement is effective immediately upon your first use of our services.

Your continued use of our services following the posting of revised Terms means that you accept and agree to the changes. We recommend checking this page frequently so you are aware of any changes, as they are binding on you.

1.2 Eligibility

To use our services, you must meet the following requirements:

• You must be at least 18 years old or the age of majority in your jurisdiction
• You must have the legal capacity to enter into a binding agreement
• You must not be prohibited from receiving services under the laws of the United States or other applicable jurisdiction
• If using our services on behalf of a business, you must have authority to bind that business to these Terms
• You must provide accurate, current, and complete information during registration
• You must maintain and promptly update your information to keep it accurate

1.3 Changes to Terms

We reserve the right to update these Terms at any time for reasons including but not limited to:

• Changes in applicable laws or regulations
• Changes in our business practices
• Introduction of new services or features
• Discontinuation of existing services
• Security or privacy enhancements

When we make material changes, we'll notify you through:

• Email to your registered email address
• A prominent notice on our website
• In-app notifications if applicable

2. Our Services

2.1 Service Description

Creator Business OS provides comprehensive business formation and management services specifically designed for content creators. Our services include but are not limited to:

• Business Formation: LLC formation, S-Corp elections, EIN acquisition, registered agent services
• Tax Optimization: Strategic planning, deduction identification, quarterly payment guidance
• Legal Documents: Operating agreements, sponsorship contracts, terms of service templates
• Compliance Management: Annual report filing, state compliance, regulatory updates
• Financial Tools: Expense tracking, revenue optimization calculators, tax estimators
• Educational Resources: Guides, tutorials, webinars, and community support

2.2 Service Packages

2.3 Service Limitations

While we strive to provide comprehensive support, our services have certain limitations:

• We cannot guarantee specific tax savings or business outcomes
• Processing times vary by state and are subject to government delays
• Some services may not be available in all jurisdictions
• We reserve the right to refuse service to anyone for any reason

2.4 Third-Party Services

Some of our services involve third-party providers. While we carefully select our partners, we are not responsible for:

• Third-party service availability or performance
• Actions or omissions of government agencies
• Banking or payment processor decisions
• Platform-specific policies (YouTube, TikTok, etc.)

3. Important Disclaimers

3.1 Information Accuracy

While we strive to provide accurate and up-to-date information:

• Laws and regulations change frequently
• Information may not apply to your specific situation
• We may make errors despite our best efforts
• You should verify important information independently

4. Your Account

4.1 Account Creation

When you create an account with us, you must provide information that is accurate, complete, and current at all times. You agree to:

• Provide true, accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

4.2 Account Security

You are responsible for safeguarding your account. We recommend:

• Using a strong, unique password
• Enabling two-factor authentication when available
• Not sharing your login credentials
• Logging out when using shared devices
• Regularly reviewing your account activity

4.3 Account Restrictions

You may not:

• Create multiple accounts without permission
• Share your account with others
• Use another person's account
• Sell or transfer your account
• Use the account for illegal purposes

4.4 Account Suspension

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

• You violate these Terms
• You provide false information
• You engage in fraudulent activity
• You abuse our services or staff
• Required by law or court order

5. Payments & Refunds

5.1 Payment Terms

By purchasing our services, you agree to the following payment terms:

• All payments are due at the time of purchase unless otherwise agreed
• Prices are in US Dollars unless otherwise specified
• Prices do not include applicable taxes unless stated
• We accept major credit cards, debit cards, and ACH transfers
• Payment processing is handled by secure third-party processors
• You authorize us to charge your payment method for all purchases

5.2 Pricing Changes

We reserve the right to change our prices at any time. However:

• Price changes won't affect existing subscriptions until renewal
• We'll provide 30 days notice for subscription price increases
• Promotional prices are valid only during the specified period
• Discounts cannot be combined unless explicitly stated

5.3 Refund Policy

We offer a 30-day money-back guarantee on our Foundation and Pro packages with the following conditions:

5.4 Billing Disputes

If you believe there's an error in your billing:

• Contact us within 60 days of the charge
• Provide details of the disputed charge
• We'll investigate and respond within 10 business days
• If an error is confirmed, we'll issue a refund promptly

5.5 Subscription Services

For ongoing subscription services:

• Subscriptions auto-renew unless cancelled
• Cancel anytime before the renewal date
• No refunds for partial months
• Cancellation takes effect at the end of the current period
• You retain access until the end of your paid period

6. Intellectual Property

6.1 Our Intellectual Property

All content on our platform is protected by intellectual property laws:

• Our logo, brand name, and trademarks are our exclusive property
• Website content, design, and functionality are copyrighted
• Templates and documents are licensed, not sold
• Course materials and educational content are proprietary
• Software and tools are protected by copyright and patents

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to:

• Access and use our services for your business purposes
• Download and use templates for your own business
• View educational content for personal learning
• Use our tools for your business operations

6.3 Restrictions

You may not:

• Resell, redistribute, or share our materials
• Create derivative works from our content
• Remove copyright or proprietary notices
• Use our content for competing services
• Reverse engineer our software or tools
• Use our trademarks without permission

6.4 Your Content

You retain ownership of content you create using our services. However:

• You grant us license to use your content for service provision
• We may use anonymized data for improvements
• Testimonials may be used with your permission
• You're responsible for your content's legality

6.5 Feedback and Suggestions

If you provide feedback or suggestions:

• We may use them without compensation
• They become our property
• We have no obligation to implement them
• We may develop similar ideas independently

7. Limitation of Liability

7.1 Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR COMPLETENESS
• UNINTERRUPTED OR ERROR-FREE SERVICE

7.2 Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL CREATOR BUSINESS OS BE LIABLE FOR:

• INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES
• LOST PROFITS OR REVENUE
• LOSS OF DATA OR BUSINESS INTERRUPTION
• DAMAGES EXCEEDING THE AMOUNT YOU PAID US

7.3 Indemnification

You agree to indemnify and hold harmless Creator Business OS from:

• Your use or misuse of our services
• Your violation of these Terms
• Your violation of any laws or regulations
• Your infringement of third-party rights
• Content you create or publish
• Your business operations and decisions

7.4 Force Majeure

We are not liable for delays or failures due to circumstances beyond our control:

• Natural disasters
• Government actions
• Internet or utility outages
• Strikes or labor disputes
• Pandemic or health emergencies
• Cyber attacks or security breaches

8. Termination

8.1 Termination by You

You may terminate your account at any time by:

• Cancelling through your account settings
• Contacting our support team
• Following the cancellation process

Upon termination:

• Your access will end immediately or at period end for subscriptions
• No refunds for unused time unless eligible under refund policy
• You remain liable for any outstanding payments
• Some information may be retained as required by law

8.2 Termination by Us

We may terminate or suspend your account immediately if:

• You breach these Terms
• You engage in fraudulent or illegal activity
• You abuse our services or staff
• Your payment fails or is reversed
• Required by law or court order
• We discontinue the service

8.3 Effect of Termination

Upon termination:

• Your right to use our services ceases immediately
• We may delete your data after a retention period
• You must stop using our materials and templates
• Provisions that should survive termination will remain in effect
• You remain responsible for actions taken before termination

8.4 Data Retention and Deletion

After termination:

• We retain data as required by law or legitimate business needs
• You may request data deletion subject to legal requirements
• Backups may persist for a reasonable period
• Anonymized data may be retained indefinitely

9. General Legal Terms

9.1 Governing Law

These Terms are governed by the laws of Delaware, United States, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Delaware.

9.2 Dispute Resolution

Before filing a lawsuit, you agree to try to resolve disputes informally by contacting us. If not resolved within 30 days, disputes will be settled by binding arbitration under JAMS rules, except you may assert claims in small claims court.

9.3 Severability

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

9.4 Entire Agreement

These Terms constitute the entire agreement between you and Creator Business OS regarding our services and supersede any prior agreements.

9.5 Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

9.6 Assignment

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

9.7 Notices

Legal notices to us should be sent to legal@creatorbusinessos.com. We'll send notices to your registered email address.

10. DMCA Policy

10.1 Copyright Infringement

We respect intellectual property rights and expect our users to do the same. If you believe your work has been copied in a way that constitutes copyright infringement, please provide:

• Description of the copyrighted work
• Location of the infringing material
• Your contact information
• Statement of good faith belief
• Statement of accuracy under penalty of perjury
• Your physical or electronic signature

10.2 Counter-Notice

If you believe material was wrongly removed, you may submit a counter-notice containing:

• Identification of removed material
• Statement under penalty of perjury
• Consent to jurisdiction
• Your physical or electronic signature

11. Privacy & Data Protection

11.1 Privacy Policy

Your use of our services is also governed by our Privacy Policy, which details how we collect, use, and protect your information. By using our services, you consent to our data practices as described in the Privacy Policy.

11.2 Data Security

We implement appropriate technical and organizational measures to protect your data. However, no method of transmission or storage is 100% secure. You acknowledge the inherent risks of providing information online.

11.3 GDPR Rights (EU Users)

If you're located in the European Union, you have additional rights under GDPR:

• Right to access your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing

11.4 California Privacy Rights

California residents have additional rights under CCPA, including the right to know what personal information we collect, the right to delete personal information, and the right to opt-out of the sale of personal information (which we don't do).

Questions About These Terms?

We're here to help clarify any part of our Terms of Service

Contact Our Team