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Terms of Service

These Terms of Service ("Terms") govern your access to and use of ProseDefense Nexus (the "Service"), operated by Premium Driver Inc., a New Jersey corporation, d/b/a Technology Services ("Company," "we," "us"). By clicking "I agree" or by using the Service, you ("User," "you") accept these Terms.

1. NOT A LAW FIRM; NO ATTORNEY-CLIENT RELATIONSHIP.
Premium Driver Inc., a New Jersey corporation, d/b/a Technology Services is not a law firm and does not provide legal advice. The Service is a self-help informational tool designed to assist self-represented ("pro se") homeowners in organizing, analyzing, and preparing materials relating to a real-property mortgage and any related foreclosure proceedings. Nothing produced by the Service — including agent output, document drafts, analyses, or recommendations — constitutes legal advice, and no attorney-client relationship is formed between you and Company, its agents, employees, contractors, or the artificial-intelligence systems it operates. If you require legal advice, retain an attorney licensed in your jurisdiction.

2. PRO SE ASSISTANCE ONLY; NO COURT REPRESENTATION.
The Service will not, and is not authorized to, appear in any court, tribunal, mediation, or administrative proceeding on your behalf, sign pleadings in your name, give you legal advice, or otherwise engage in the practice of law as defined by the rules of your jurisdiction. All filings and communications generated by the Service are prepared for your independent review, signature, and submission as a self-represented party.

3. ELIGIBILITY.
You represent that (a) you are at least 18 years of age; (b) you are the borrower, co-borrower, or lawful occupant with a beneficial interest in the property at issue, or you are acting with the express authorization of such a person; and (c) your use of the Service is for personal, non-commercial purposes related to your own real-property matter.

4. ACCURACY OF INFORMATION; YOUR RESPONSIBILITY.
You are solely responsible for the accuracy of the information you supply (including intake answers, dates, documents, and identifying details). The Service's output is only as reliable as your inputs. You must independently verify every fact, deadline, citation, and recommendation before relying on it, including before filing anything with a court or sending it to a servicer, lender, or government office. You acknowledge that missed deadlines in foreclosure matters may result in loss of your home.

5. NO WARRANTY.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE. WE EXPRESSLY DISCLAIM ANY WARRANTY THAT USE OF THE SERVICE WILL PREVENT FORECLOSURE, RESULT IN A FAVORABLE OUTCOME, OR ACHIEVE ANY SPECIFIC LEGAL RESULT.

6. LIMITATION OF LIABILITY.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Premium Driver Inc., a New Jersey corporation, d/b/a Technology Services, ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, AND THE OPERATORS, DEVELOPERS, AND IMPLEMENTATION PERSONNEL OF THE SERVICE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR PROPERTY (INCLUDING LOSS OF YOUR HOME OR EQUITY THEREIN), WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE SERVICE — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID TO US (OR TO WHOP, INC. ON OUR BEHALF) FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).
Some jurisdictions do not allow the exclusion of certain warranties or the limitation of liability for certain damages; in such jurisdictions, the foregoing limitations shall apply only to the maximum extent permitted by law.

7. INDEMNIFICATION.
You agree to indemnify, defend, and hold harmless Premium Driver Inc., a New Jersey corporation, d/b/a Technology Services and its officers, directors, employees, contractors, and agents from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with (a) your use of the Service; (b) your violation of these Terms or the Limited Power of Attorney; (c) any document you submit to a court, government office, or third party based on Service output; or (d) any claim by a third party (including any servicer, lender, trustee, or opposing counsel) arising from your use of the Service.

8. TERMINATION.
You may stop using the Service at any time by canceling your Whop subscription or by emailing support@keepinthefocus.com. We may suspend or terminate your access for violation of these Terms, for non-payment, or as required by law. Sections 1, 2, 4, 5, 6, 7, 9, 10, and 11 survive termination.

9. GOVERNING LAW; VENUE.
These Terms are governed by the laws of the State of New Jersey, without regard to its conflict-of-laws principles. The exclusive venue for any dispute arising out of or relating to these Terms or the Service shall be the state or federal courts located in New Jersey, and you consent to personal jurisdiction therein. Nothing in this section limits your right, where applicable, to bring a claim in a small-claims court of competent jurisdiction in your state of residence.

10. CHANGES TO THESE TERMS.
We may revise these Terms by publishing a new version (with a new Version identifier above) and prompting you to re-accept. Continued use of the Service after re-acceptance is required for ongoing access.

11. ENTIRE AGREEMENT; SEVERABILITY.
These Terms, together with the Limited Power of Attorney you execute for each case file, constitute the entire agreement between you and Company regarding the Service and supersede any prior or contemporaneous agreements. If any provision is held unenforceable, the remaining provisions shall continue in full force and effect.

By accepting, you acknowledge that you have read these Terms, that you have had the opportunity to consult an attorney of your choosing before accepting, and that you agree to be legally bound by them.