Terms of Service

Last Updated: September 9, 2025

1. Agreement to Terms

By accessing or using Sum1 Solutions, LLC's ("Sum1 Solutions," "we," "us," or "our") technology services, websites, software applications, consulting services, or any related services (collectively, the "Services"), you ("you," "your," or "Client") agree to be bound by these Terms of Service ("Terms").

If you do not agree to these Terms, you must immediately discontinue use of our Services.

These Terms constitute a legally binding agreement between you and Sum1 Solutions, LLC. We may update these Terms periodically, and your continued use of our Services constitutes acceptance of any changes.

2. Description of Services

Sum1 Solutions provides comprehensive technology innovation services including:

• Healthcare AI Solutions: Clinical documentation tools, patient engagement systems, medical transcription services, and healthcare analytics platforms
• Financial Technology: SEC filing alerts, market monitoring systems, investment analysis tools, and financial data processing
• AI Companions: Mental health support applications, educational assistants, and personal productivity tools
• Custom Software Development: Tailored applications using modern frameworks including React, Node.js, Python, and scalable cloud technologies
• Compliance Solutions: Data privacy implementations and regulatory compliance consulting

Public-Source Data and Alerts

Some Services monitor, process, and transform information obtained from publicly available sources (for example, regulatory filings and other public disclosures) to provide timely updates or alerts. We do not control the availability, content, timeliness, or accuracy of external sources and do not guarantee uninterrupted access to them. Alerts and summaries are provided for convenience and may be delayed or incomplete.

You are responsible for verifying any information provided through our Services before relying on it for business, legal, investment, medical, or other decisions.

3. Acceptable Use

You agree to use our Services only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Use our Services for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to any systems or data
• Transmit malicious code, viruses, or harmful content
• Interfere with or disrupt the integrity or performance of our Services
• Use our Services to harass, abuse, or harm others
• Violate any applicable laws, regulations, or third-party rights
• Reverse engineer, decompile, or attempt to extract source code from our applications

4. Data Privacy and Security

We take data privacy and security seriously. Our handling of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Regulatory Compliance

Unless explicitly stated otherwise, you should assume that our Services are NOT compliant with HIPAA, FINRA, or other regulatory standards. Only systems explicitly marked as compliant should be used with regulated data.

Always verify compliance status before using any Service with regulated or sensitive data. Contact us for specific compliance documentation when required.

Third-Party Services

Our Services may integrate with third-party providers for hosting, compute, analytics, email/SMS delivery, and data access. Your use of such integrations may be subject to the third party’s terms. We are not responsible for third-party services, outages, or changes.

5. Intellectual Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, software, and design, are owned by Sum1 Solutions, LLC or our licensors and are protected by copyright, trademark, and other intellectual property laws.

Client-Developed Content

For custom development projects, intellectual property ownership will be specified in separate project agreements. Generally:

• Custom code developed specifically for your project becomes your property upon full payment
• Reusable components, frameworks, and methodologies remain our property
• Third-party libraries and tools retain their respective licenses

6. Payment Terms

Payment terms vary by service type and are specified in individual project agreements or service subscriptions:

• Consulting Services: Typically billed hourly or by project milestone
• Software Applications: May include subscription fees, usage-based pricing, or one-time licenses
• Custom Development: Usually structured as milestone-based payments

All fees are non-refundable unless otherwise specified in writing. Late payments may incur additional charges.

Subscriptions and Billing

Some Services are offered as paid subscriptions. Unless otherwise stated at checkout:

• Billing Cycle: Subscriptions renew automatically at the end of each billing period (e.g., monthly or annually) until canceled.
• Pricing Changes: We may modify prices prospectively with reasonable notice before your next renewal.
• Payment Processing: Payments are processed by third-party providers. We do not store full payment card numbers on our systems.
• Trial Periods: If a trial is offered, charges begin at the end of the trial unless canceled before renewal.
• Cancellation: You may cancel at any time effective at the end of the current billing period. Access remains through the paid term.
• Refunds: Except where required by law or explicitly stated, subscription fees are non-refundable once a period has started.
• Taxes: Prices may exclude applicable taxes, duties, or fees. You are responsible for any such amounts where applicable.
• Fair Use: Plans may include usage limits. We may throttle or restrict access that materially exceeds plan limits or harms service stability.

Messaging (Email/SMS) Terms

If you opt in to receive alert notifications, we may send messages by email and/or SMS. Standard carrier rates may apply for SMS. You can opt out at any time by following unsubscribe instructions in the message or by contacting us. We may continue to send strictly necessary communications (e.g., security notices).

7. No Investment or Professional Advice

Information provided by the Services is for informational purposes only and does not constitute investment, legal, medical, or other professional advice. You are solely responsible for your decisions and should consult a qualified professional where appropriate.

8. Limitation of Liability

9. Indemnification

You agree to indemnify, defend, and hold harmless Sum1 Solutions, LLC and our officers, directors, employees, and agents from any claims, losses, damages, liabilities, and expenses (including reasonable attorney fees) arising from:

• Your use of our Services
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit through our Services

10. Termination

Either party may terminate this agreement at any time with or without cause. Upon termination:

• Your access to our Services will cease
• Outstanding payment obligations remain due
• Data retention will follow our Privacy Policy
• Provisions that should survive termination (such as liability limitations) will remain in effect

11. Governing Law and Disputes

These Terms are governed by the laws of the State where Sum1 Solutions, LLC is incorporated, without regard to conflict of law principles.

Any disputes arising from these Terms or our Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in court for intellectual property violations.

12. Changes to Terms

We may modify these Terms at any time by posting the updated Terms on our website. Material changes will be communicated via email to registered users when possible.

Your continued use of our Services after changes take effect constitutes acceptance of the new Terms.

13. Contact Information