Effective Date: January 6, 2026

Inquiries: If you have any questions about these Terms, please email us at: info@refiny.com 

1. Acknowledgement of Non-Legal Status and Self-Representation

I understand and expressly agree that  Refiny Company Limited is a technology and consulting firm, and is NOT a law firm or a licensed attorney. I acknowledge that Refiny does not perform services typically provided by an attorney. I also acknowledge that Refiny does not function as a Registered Agent within the United States, nor is it a holder of a “Trust or Company Service Provider” (TCSP) License in the Hong Kong Special Administrative Region. Any regulated services, including but not limited to U.S. Registered Agent services or HK TCSP-governed activities, are facilitated through independent, third-party licensed providers. I agree that any forms, templates, or information provided are not a substitute for professional legal advice. By utilizing these Services, I am representing myself in this matter and assume full responsibility for my decisions. I further acknowledge that no attorney-client relationship or legal privilege is created between me and Refiny at any time.

2. Disclaimer of Prior Advice and Voiding of Transaction

I understand and agree that if, at any time prior to my purchase, I perceive or believe that Refiny has provided me with any legal advice, professional opinion, or recommendation regarding my legal rights, remedies, defenses, options, selection of forms, or business strategies, I will not proceed with this purchase. I further acknowledge and agree that should I choose to proceed, any such purchase will be considered null and void to the extent it was based on such a belief, and I waive any claim that I relied on Refiny for legal counsel.

3. Acceptance of Arbitration and Limitation of Remedies

I UNDERSTAND AND AGREE THAT THESE TERMS REQUIRE THE USE OF BINDING ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE ANY DISPUTES, RATHER THAN JUDICIAL TRIALS OR CLASS ACTIONS. I ACKNOWLEDGE THAT THIS PROCESS LIMITS THE REMEDIES AVAILABLE TO ME IN THE EVENT OF A DISPUTE, AS DETAILED IN THE REFINY ARBITRATION AGREEMENT (WHICH I AGREE IS INCORPORATED HEREIN AND REFERENCED IN THE SUBSEQUENT PROVISIONS OF THESE TERMS). I EXPRESSLY WAIVE MY RIGHT TO PARTICIPATE IN ANY REPRESENTATIVE OR CLASS PROCEEDINGS.

4. Limited Review and Personal Responsibility for Documents

I UNDERSTAND AND AGREE THAT ANY REVIEW CONDUCTED BY REFINY REGARDING THE INFORMATION I PROVIDE IS STRICTLY LIMITED TO CHECKING FOR COMPLETENESS, SPELLING, AND INTERNAL CONSISTENCY OF DATA SUCH AS NAMES, ADDRESSES, AND SIMILAR IDENTIFIERS. I ACKNOWLEDGE THAT THIS REVIEW IS NOT A LEGAL ANALYSIS OF MY ANSWERS. I COMMIT TO THOROUGHLY READING ALL FINAL DOCUMENT(S) PRODUCED THROUGH THE PLATFORM BEFORE SIGNING OR FILING THEM, WHERE APPLICABLE, AND I AGREE TO BE SOLELY RESPONSIBLE FOR THE ACCURACY, LEGAL EFFECT, AND SUITABILITY OF THE FINAL DOCUMENT(S).

5. Accuracy of Information and Third-Party Consent

I hereby certify that, to the best of my knowledge, I have provided complete and accurate information to Refiny and have obtained all necessary third-party consents required for the execution of my order. I understand that Refiny relies entirely on the data I provide and I assume full responsibility for any legal or administrative consequences resulting from inaccurate, incomplete, or unauthorized information submitted through the platform.

6. Consent to Electronic Records and Signatures

I hereby provide my express consent for Refiny to affix my electronic signature to any documents where such a signature is required for filing or processing my order. I understand that this electronic signature carries the same legal weight and enforceability as a handwritten signature. I acknowledge that I may withdraw this consent at any time, provided that my documents have not already been submitted or filed with the relevant government authorities or third parties, by contacting Refiny Customer Care via our official support channels or at info@refiny.com.

7. Limitation of Liability and Indemnification

EXCEPT AS PROHIBITED BY LAW, I AGREE TO HOLD REFINY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS HARMLESS AND INDEMNIFY THEM FOR ANY INDIRECT, PUNITIVE, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGE, HOWEVER IT ARISES (INCLUDING ATTORNEYS’ FEES AND ALL RELATED COSTS AND EXPENSES OF LITIGATION AND ARBITRATION, OR AT TRIAL OR ON APPEAL, IF ANY, WHETHER OR NOT LITIGATION OR ARBITRATION IS INSTITUTED), WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, OR ARISING OUT OF OR IN CONNECTION WITH THIS AGREEMENT. THIS INCLUDES, WITHOUT LIMITATION, ANY CLAIM FOR PERSONAL INJURY OR PROPERTY DAMAGE ARISING FROM THIS AGREEMENT AND ANY VIOLATION BY ME OF ANY APPLICABLE LAWS, STATUTES, RULES, OR REGULATIONS, EVEN IF REFINY HAS BEEN PREVIOUSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.

EXCEPT AS PROHIBITED BY LAW, IF LIABILITY IS FOUND ON THE PART OF REFINY, I AGREE THAT SUCH LIABILITY WILL BE STRICTLY LIMITED TO THE AMOUNT I PAID FOR THE PRODUCTS AND/OR SERVICES, AND UNDER NO CIRCUMSTANCES WILL THERE BE CONSEQUENTIAL OR PUNITIVE DAMAGES. I UNDERSTAND THAT CERTAIN JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO ME WHERE PREEMPTED BY LOCAL LAW.

8. Incorporation of General Terms of Use

I understand and agree that the general Terms of Use of the Site also apply to these Terms of Service. By agreeing to these Terms of Service, I acknowledge that I have read, understood, and voluntarily agree to be bound by those Terms of Use, which are hereby incorporated into this agreement by reference. I understand that these two documents together form a single, legally binding contract between me and Refiny.

9. Supplemental Terms for Specific Services

I understand and agree that my purchase may be subject to additional specific terms and conditions depending on the services selected. I acknowledge that if I utilize any of the following services, they will be governed by their respective supplemental agreements, which are incorporated herein by reference:

– Third-Party Registered Agent Services: Subject to the Supplemental Terms for Registered Agent Services.

– Subscription & Third-Party Services: Subject to the Supplemental Terms for Subscriptions and Third-Party Offerings.

– Virtual Mail Services: Subject to the Supplemental Terms for Virtual Mail and Address Services.

– Tax & Accounting Services: Subject to the Supplemental Tax Terms of Service and the applicable Privacy Policies.

– Entity Formation & Specialized Filings: Subject to the specific procedural terms provided at the time of purchase.

If applicable to my order, I acknowledge that I have read, understood, and agree to these supplemental terms. I understand that Refiny may facilitate these services through third-party providers as disclosed in the general Terms, and I agree to abide by the terms set forth by those providers.

10. Third-Party Services and External Links

I understand that if my purchase involves services provided by third parties, I may be required to accept additional terms and conditions hosted on the third party’s respective website. I agree that such third parties may contact me directly via email or telephone to provide instructions on how to access my benefits or complete my service.

REFINY HEREBY DISCLAIMS ALL LIABILITY FOR ANY INFORMATION, MATERIALS, PRODUCTS, OR SERVICES POSTED, OFFERED, OR ADVERTISED AS PART OF ANY THIRD-PARTY SERVICES. I acknowledge that Refiny is not responsible or liable for any failure of products or services offered by these external providers. I further understand that third-party websites may have privacy policies different from those of Refiny and may provide a lower level of security than the Refiny platform. I assume all risks associated with the use of such third-party services.

11. Application to Future Products and Services

I understand and agree that if I choose to add any additional products or services to my account or order subsequent to my initial purchase, these Terms of Service shall automatically apply to those additional transactions. I acknowledge that my continued use of the Refiny platform and the purchase of further services constitutes my ongoing acceptance of these terms, as well as any supplemental terms associated with those specific future offerings.

12. Refund Policy and Finality of Fees

I understand and agree that, unless Refiny is found to be at fault or as otherwise mandated by applicable law, I shall have no right to cancel any order for a cash refund or store credit after 30 days have elapsed from the date of purchase. I acknowledge that all refunds are strictly governed by the Refiny Satisfaction Guarantee. I further understand that any itemization of fees provided during the checkout process is displayed for my convenience and transparency only, and does not alter the total non-refundable nature of the service fees after the aforementioned period.

13. Abandoned Orders and Liquidated Damages

I understand and agree that if I fail to provide the information or documentation necessary to complete my order within 60 days of the purchase date, my order may be canceled and officially classified as abandoned. I acknowledge that Refiny incurs significant “out-of-pocket” expenses, including labor, administrative resources, and third-party commitments, from the moment I initiate an order.

Both Refiny and I fully intend to complete the requested services; however, in the event of an abandoned order, I agree that Refiny shall retain the full amount paid as liquidated damages. I acknowledge that this amount is a reasonable estimate of the costs and damages incurred by Refiny for its commitment to service my order and is not a penalty.

14. Suspended Accounts and Suspicious Activity

I acknowledge and agree that if Refiny encounters evidence of suspicious activity in connection with my account, Refiny may, in its sole discretion, temporarily or permanently disable my account. I understand that evidence of suspicious activity includes, but is not limited to:

– Evidence that my account is being accessed or used by unauthorized individuals.

– Evidence that revision orders are being placed to generate documents for parties or businesses other than those identified in the original order.

– Any activity that suggests a violation of anti-money laundering (AML) or “know your customer” (KYC) protocols.

In the event that Refiny disables my account, I understand that, absent a valid subpoena or court order from a jurisdiction recognized by Refiny, no information regarding my account will be provided to anyone, including myself or my designated contacts. Additionally, I agree that Refiny may, in its sole discretion, opt not to deliver any documents or proceed with any government filings associated with my account while it is disabled. I expressly acknowledge that Refiny shall not be held liable for any delays, losses, or damages resulting from the implementation of these security policies and procedures.

15. DISPUTE RESOLUTION; BINDING ARBITRATION

PLEASE READ THIS SECTION CAREFULLY. This Arbitration Agreement limits your right to file a lawsuit in court and ensures that disputes are resolved efficiently in Hong Kong.

15.1 Mandatory Individual Arbitration. You and Refiny agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or the Services (collectively, “Disputes”) shall be settled by final and binding arbitration on an individual basis, rather than in a court of law. This agreement to arbitrate includes Disputes that arose before you accepted these Terms and those that may arise after termination.

15.2 Informal Resolution (Pre-Arbitration). Before initiating formal proceedings, you agree to first contact our Customer Care Center at info@refiny.com. We will attempt to resolve the Dispute informally for at least thirty (30) days. If we cannot reach a resolution, either party may then commence arbitration via the HKIAC.

15.3 Arbitration Rules and Forum. The arbitration shall be administered by the Hong Kong International Arbitration Centre (HKIAC) under the HKIAC Administered Arbitration Rules.

– Location: The seat of arbitration shall be Hong Kong.

– Language: The proceedings shall be conducted in English.

– Arbitrator: The dispute shall be resolved by a single arbitrator appointed in accordance with HKIAC Rules.

15.4 Class Action and Jury Trial Waiver. YOU AND REFINY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Further, you waive any right to a jury trial (if applicable in any jurisdiction).

15.5 Costs and Fees.

– Payment of filing and arbitrator fees will be governed by the HKIAC fee schedule.

– Consumer Protection: If you are using the Service for personal use and your claim is for less than $10,000 USD (or equivalent in HKD), Refiny may, at its sole discretion, elect to reimburse your filing fees, provided the arbitrator does not find your claim to be frivolous.

15.6 Exceptions to Arbitration. Notwithstanding the Terms of Use, either party may:

– Bring an individual action in the Small Claims Tribunal of Hong Kong.

– Seek urgent injunctive or equitable relief in the courts of Hong Kong to prevent the infringement or misappropriation of intellectual property rights (e.g., trademarks, copyrights).

15.7 Opt-Out Right. You have the right to opt-out of this Arbitration Agreement within thirty (30) days of first accepting these Terms by sending a written “Opt-Out Notice” to our registered address in Central, HK. If you opt-out, Section 19 of Terms of Use (Governing Law & Venue) will apply.

15.8 Severability. If any part of this Section 6 is found unenforceable, the remainder shall remain in effect. However, if the Class Action Waiver of Terms of Use (Section 6.4) is found unenforceable, the entire Section 6 shall be null and void.

16. Governing Law and Venue

I understand and agree that any dispute arising from these Terms, my use of the Services, and the relationship between me and Refiny will be governed by, construed, and enforced in accordance with the laws of the Hong Kong Special Administrative Region, without regard to conflict of law rules or principles that would cause the application of the laws of any other jurisdiction.

In the event that any dispute between the parties is found not to be subject to arbitration or cannot be resolved through the agreed-upon arbitration process, I hereby irrevocably consent to the personal and exclusive jurisdiction of the courts of the Hong Kong Special Administrative Region for the resolution of such disputes. I waive any objection to such venue on the grounds of forum non conveniens or any similar grounds.

17. Installment Plan

17.1. Qualification. I understand that the Refiny Installment Plan (the “Installment Plan”) is available for certain products priced at $200 or more. I acknowledge that Refiny may charge a small installment fee for this option, and the total amount per installment, inclusive of any fee, will be disclosed to me before I elect to participate.

17.2. Billing. By opting into the Installment Plan, I agree to make an initial payment (the “Initial Installment Payment”) immediately upon placing my order. I hereby authorize Refiny to charge my provided payment method for two additional installments on or after the first and second month anniversaries of my initial payment. If my purchase occurs on the 29th–31st, I agree the billing date for shorter months will be the last day of that month. I understand that I may pay my outstanding balance in full at any time without extra charges.

17.3. Default. If my payment is declined, I authorize Refiny to make multiple attempts to bill my card. If I remain in default on the second payment when the third is due, I authorize Refiny to charge both amounts simultaneously. I understand that if my balance remains unpaid after three attempts, Refiny may:

– Report my delinquency to credit bureaus, which may impact my credit report.

– Restrict my ability to purchase further products or services.

– Engage in collection efforts to recover the debt. I acknowledge that Refiny may accept late or partial payments without waiving any of its rights under these Terms.

17.4. Store Credit. I understand that any Refiny store credit I hold will be deducted from the total price before installment amounts are calculated, but such credit does not count toward the $200 minimum threshold. I agree to contact Refiny support to apply any credit issued after my enrollment.

17.5. Notice of Automatic Billing. I acknowledge that any reminder emails sent by Refiny prior to billing dates are a courtesy only. I agree that Refiny is not obligated to provide such notice and that any failure to send, receive, or read such an email does not create any liability for Refiny or its service providers.

17.6. Disputed Charges. I agree that if I dispute a charge, I will immediately contact Refiny Customer Care at info@refiny.com so the matter can be investigated internally before I initiate a formal chargeback.

17.7. Account Information. I commit to notifying Refiny immediately of any changes to my payment method, expiration date, or billing address. I understand that failing to provide current information may lead to account restrictions, credit reporting, or collection actions.

17.8. Subscription Products. For subscription-based services using the Installment Plan, I agree that Refiny reserves the right to terminate my access to all subscription benefits 31 days after any missed installment payment.

18. Filing Fees

18.1. Definition. Except as otherwise defined, “filing fees” refer to the official amounts that must be paid to successfully submit a filing to a federal, state, county, local government office, or international regulatory body (such as the USPTO, U.S. Copyright Office, or the Hong Kong Companies Registry).

I understand that filing fees include, but are not limited to:

– Name reservation fees and initial report fees.

– Publication notice fees and capitalization fees.

– Franchise tax fees and corporate taxes.

– Expedite fees, certified copy fees, and walk-in/courier fees.

– Property recording fees and any other transactional fees incurred by Refiny on my behalf to fulfill the service.

18.2. Authorization to Pay. When I purchase a product or service from Refiny that involves submitting a filing to a government entity, I expressly agree and authorize Refiny to charge my provided payment method (credit card, digital wallet, or bank transfer) for any and all necessary filing fees. This authorization includes any applicable late fees, penalties, or unforeseen price increases from the government office that are required to successfully complete my filing.

19. Trademark Filing Fee and Service Allocation

I understand and agree to the following regarding the fees for my trademark application:

– Government Fees: I acknowledge that the USPTO government filing fees are subject to change and vary depending on the filing system (TEAS Plus or TEAS Standard) and the number of classes. I have been advised to review the current fee schedule directly on the USPTO Official Fee Page.

– Total Payment Allocation: I understand that the total amount I pay to Refiny for a trademark filing includes the government filing fee collected on my behalf. I expressly agree that any amount remaining after the government fee is paid shall be allocated as follows:

– Professional Legal Oversight: To cover the costs of engaging qualified legal professionals or attorneys to perform specialized reviews and filings.

– Platform & Management Fee: To cover the costs of utilizing Refiny’s proprietary software system, case management, and administrative labor.

– TEAS Plus Requirements: I acknowledge that if my application qualifies for the “TEAS Plus” system (which has a lower government fee), it requires stricter compliance. I agree that Refiny will retain the difference between the collected amount and the lower government fee as a service fee for the additional labor required to meet these standards.

– Additional USPTO Penalties: I understand that if I fail to maintain electronic communication or if the USPTO determines my application does not meet requirements, the USPTO may charge an additional processing fee (currently $100 per class). I acknowledge that this is my sole responsibility and Refiny will not pay this on my behalf.

20. Trademark, Copyright, and Patent Submitted Material

I understand and agree that as part of my order for certain trademark, copyright, or patent services, I am required to provide Refiny with specific materials including but not limited to specimens, drawings, digital files, or copies of my creative work to enable the completion of my order and the submission of my application to the relevant government offices (such as the USPTO or U.S. Copyright Office).

Furthermore, I acknowledge and accept the following policies regarding my submitted materials:

Digital Retention: I understand that while Refiny may retain digital copies of my submissions for record-keeping and case management purposes, it is under no obligation to do so indefinitely.

No Return of Physical Materials: I expressly acknowledge that Refiny does not retain physical copies of my submissions and will not return any physical materials to me once they have been processed.

Secure Destruction: I agree that all physical materials provided to Refiny that are not submitted to government offices as part of my official application will be securely destroyed.

I understand that it is my sole responsibility to maintain my own original copies or backups of all materials provided to Refiny.

21. Authority to File Copyright and Patent Applications

21.1. Patent Applications. By placing my order, I provide Refiny with the express authority to file my application with the United States Patent and Trademark Office (USPTO). I understand that after my order is placed, Refiny or its designated legal professionals may send me materials for review or request additional information. I agree that if I do not respond to such requests within 7 days, Refiny may proceed to file my application as-is to avoid critical filing delays or the loss of priority dates. I also acknowledge that the USPTO may contact me directly for further information once the application has been submitted.

21.2. Copyright Applications. By placing my order, I provide Refiny with the express authority to file my application with the U.S. Copyright Office. I understand that Refiny may contact me for review or additional details regarding my order. I agree that if I do not respond to such requests within 60 days, Refiny may proceed to file my application to prevent further delays. I acknowledge that the U.S. Copyright Office may contact me directly for additional information after the filing is complete.

22. Organizer, Incorporator, Authorized Representative, or Equivalent

By accepting these Terms of Service and requesting business filing services or other related Refiny services that involve filing paperwork with a government entity (such as a U.S. State Secretary, the Hong Kong Companies Registry, or other international authorities), I am authorizing Refiny to take all necessary steps to form my entity or complete the filing service in the requested jurisdiction. I understand and agree that such steps may include, but are not limited to:

– Listing me, another authorized representative that I have appointed, or Refiny as the organizer, incorporator, or authorized representative of my company.

– Affixing my signature, the signature of my appointed authorized representative, or Refiny’s signature as my authorized representative, to the paperwork required for filing, in any format (including handwritten and electronic signatures).

– Completing business filing documents and formation records on my behalf.

– Filing formation documents with the relevant government authorities.

– Taking administrative actions to remove Refiny as the organizer or incorporator of my company once the formation process is legally complete.

23. Refiny Trademark Search

I understand and agree to the following regarding the scope and limitations of the trademark search services provided by Refiny:

Scope of Search: I acknowledge that each trademark search includes information about “active” federal trademarks as available in the U.S. Patent and Trademark Office (USPTO) website database at the precise time the search is conducted. This includes marks with statuses such as “LIVE,” “PENDING,” “PUBLISHED FOR OPPOSITION,” or “REGISTERED.”

Inactive and Common Law Marks: I understand that a Refiny trademark search may not include:

Inactive Trademarks: Marks labeled as “DEAD,” “ABANDONED,” “CANCELLED,” or “EXPIRED.” I acknowledge that while these are generally not used to bar new registrations, they can, in certain circumstances, still affect the registrability or use of my mark.

Common Law Rights: I understand that individuals or businesses may claim “common law” rights simply by using a mark in commerce without federal registration. I acknowledge that a standard database search may not uncover these users.

Liability Disclaimer: I expressly agree that Refiny accepts no responsibility or liability for any impact that any inactive registration, revived application, or common law use may have on my trademark registration or my ability to use the mark in commerce.

Customer Due Diligence: I acknowledge that Refiny strives for maximum accuracy using the best available technology and trained specialists. However, I understand that for due diligence purposes, I must thoroughly examine the search report provided to me. I agree to ensure the results are satisfactory and accurate before making any commercial decisions, such as printing packaging or launching marketing campaigns, regarding my trademark(s).

24. Legal Forms and Document Licenses

If I have purchased a Legal Form or template from Refiny, I understand and agree that the following provisions apply to me:

24.1. License. Refiny grants me a non-exclusive, non-transferable, worldwide right to use the legal form(s) I have purchased. This license allows me to access, download, use, and edit the form(s) solely for my personal or internal business use. I expressly agree that I may not:

– License, sublicense, sell, resell, transfer, assign, distribute, or otherwise make the legal form(s) available to any third party; or

– Modify, reproduce, reverse engineer, or create derivative works based on the legal form(s) or its source code, except for the necessary modifications required for my own personal or internal business use.

I acknowledge that all rights not expressly granted to me are reserved by Refiny and its licensors.

24.2. No Guarantee. I understand that Refiny does not guarantee that any Legal Form provided is suitable for my specific purpose, or that it is accurate, reliable, complete, or up-to-date. I acknowledge that the Legal Forms are provided for informational purposes only and must not be relied upon as legal advice. I am encouraged to have my completed documents reviewed by a qualified professional in the relevant jurisdiction before use.

25. Refiny eSignature Services

If I utilize the eSignature services provided through the Refiny platform, I understand and agree that the following provisions apply to me:

25.1 Third-Party Fulfillment and No Warranties. I acknowledge that eSignature services are fulfilled by third-party technology providers. I understand that Refiny is not a party to any electronic signature transactions I conduct using this service. Refiny makes no warranties or representations regarding the validity, enforceability, or legal effect of such transactions in any specific jurisdiction.

25.2. Documents Not Suitable for Electronic Signature. I understand that local, state, and international laws (including but not limited to the Electronic Transactions Ordinance of Hong Kong or the ESIGN Act in the U.S.) may render electronic signatures invalid for certain documents, such as:

– Wills, testamentary trusts, and codicils.

– Adoption, divorce, or other family law papers.

– Negotiable instruments, letters of credit, and certain secured transactions. I acknowledge that Refiny is not responsible for determining whether any document I upload is suitable for electronic execution. I agree to consult with a qualified attorney if I have concerns regarding the validity of an electronically signed document.

25.3. Compliance for Consumer Transactions. I agree that if I use eSignature to conduct transactions with individuals who qualify as “consumers” under applicable laws, I am solely responsible for complying with all regulatory requirements (such as providing the option for paper copies). I acknowledge that Refiny is not liable for determining whether my transactions involve consumers or whether I have met my legal obligations toward them.

26. Business Licenses and Compliance Services

If I have purchased a Business License product or a subscription that includes business license research, I understand and agree that the following provisions apply to me:

26.1. Information Purpose and Limitations. I acknowledge that Refiny provides a list of licenses and permits generated based on the industry type, location, and business activities I provide. I agree that:

– This list is a summary for informational purposes only and does not constitute legal or professional advice.

– The list is intended to meet minimum requirements at the time of generation and does not include tax registrations, professional licenses, or specific certifications (e.g., medical, legal, or accounting licenses).

I understand that additional licenses may be required as laws change, and I acknowledge that ongoing compliance with all applicable laws is my sole responsibility.

No representations or warranties, express or implied, are given regarding the legal consequences of using this service. I am encouraged to consult with a qualified attorney for specific legal advice.

26.2. Subscription Benefits. If I hold an active subscription that includes business license monitoring, I understand that Refiny will:

– Notify me of updates to my license list if and when such information becomes available.

– Provide a platform to upload, view, and share my licenses and receive automated renewal notifications where applicable.

I acknowledge that if I purchased a one-time business license product without a subscription, I am not entitled to these ongoing monitoring and notification benefits.

26.3. Customer Obligations. I expressly acknowledge that I am responsible for:

– Accuracy: Ensuring all data provided to Refiny is accurate, complete, and reflects my current business operations.

– Filing: Accurately completing and submitting all license applications and forms to the relevant government authorities.

– Fees: Paying all government and third-party fees associated with obtaining and maintaining such licenses.

27. Delivery of Products and Documents

I understand and agree that Refiny employs various methods to deliver finished products and legal documents, depending on the service type and my location.

27.1 Physical Shipment. For products requiring physical delivery, I acknowledge and agree to the following:

– Carrier Selection: Refiny uses a variety of international and local carriers (such as FedEx, DHL, UPS, or local couriers) and retains the sole discretion to choose the most appropriate delivery method for the address I designate.

– Expedited Shipping: If I select overnight or two-day delivery, I agree that Refiny may use air or ground shipping as necessary to meet the estimated timeframe.

– Shipping & Handling Fees: I understand that the shipping fee charged by Refiny may not reflect the exact amount paid to the carrier. I agree that this fee may include handling, packaging, and processing costs incurred by Refiny or its third-party logistics providers.

27.2. Electronic Delivery. For products delivered digitally, I understand and agree that:

– Notification: I will be notified via the email address associated with my account once my product or filing confirmation is complete.

– Access: I am responsible for logging into my Refiny account to access, review, and download my documents. I acknowledge that Refiny has fulfilled its delivery obligation once the document is made available in my secure account dashboard and the notification email has been sent.

28. Reviews and Customer Feedback

I understand and agree that after my purchase, I may receive an email survey request or an invitation from Refiny to provide feedback on my experience. I may also choose to write a review directly on the Refiny website or platform. If I complete a survey or submit a review, I acknowledge and agree to the following:

– Marketing Use: My opinions, feedback, or testimonials may be posted, in whole or in part, on the Refiny website, social media channels, or used in other marketing and promotional materials.

– Identifying Information: I grant Refiny the right to accompany my review with limited identifying information, such as my first name, last initial, the specific product or service I purchased, my city/country, and my general age range or gender.

– License to Content: I grant Refiny a royalty-free, perpetual, and irrevocable license to use, reproduce, and publish my feedback for the purpose of improving services and brand promotion.

29. Text Messages and SMS Programs

I understand that Refiny, at its sole discretion, may offer various SMS/MMS text message-based programs to enhance my experience. By providing my phone number and opting in, I agree to the following:

Refiny Updates & Member Alerts: I may opt-in to receive notifications regarding the status of my order, appointment reminders, and assistance with accessing the products I have purchased. The frequency of these messages will vary based on my order’s progress.

App Invitations: I may receive a one-time SMS containing a link to download the Refiny mobile application if I opt-in via a purchase page or advertisement.

Promotional Offers & Notifications: I may opt-in to receive marketing messages regarding special offers, new services, or product updates. I understand that I will receive no more than four (4) promotional messages per month.

General Terms for SMS Programs:

– Opt-Out: I understand that I can stop receiving text messages at any time by replying STOP to any message or by contacting Refiny support at info@refiny.com.

– Assistance: I can reply HELP for more information regarding the SMS program.

– Costs: I acknowledge that standard message and data rates may apply depending on my mobile carrier and plan.

– Delivery & Privacy: I agree that Refiny and mobile carriers are not responsible for delayed or undelivered messages. I understand that my personal information will be handled in accordance with the Refiny Privacy Policy.

30. Access to World Wide Web; Internet Delays

To use Refiny services, I acknowledge and agree to the following:

User Responsibility: I am solely responsible for obtaining access to the World Wide Web, either directly or through devices that access web-based content. I agree to provide and maintain all equipment necessary to make such a connection, including a computer, compatible mobile device, and reliable Internet access. I am responsible for any service fees (such as data or ISP charges) associated with such access.

Limitation of Liability for Delays: I understand that access to Refiny services may be limited, interrupted, or delayed due to problems inherent in the use of the Internet and electronic communications, including but not limited to server outages, network congestion, or technical failures beyond the control of Refiny.

Disclaimer of Damages: I expressly agree that Refiny is not responsible for any delays, delivery failures, or other damages (including missed filing deadlines or financial losses) resulting from such technical problems or Internet-related issues.

31. Force Majeure

I understand and agree that Refiny shall not be considered in breach of or default under these Terms of Service, and shall not be liable to me for any cessation, interruption, or delay in the performance of its obligations due to causes beyond its reasonable control, whether foreseen or unforeseen (each a “Force Majeure Event”). Force Majeure Events include, but are not limited to:

– Natural Disasters: Earthquake, flood, fire, storm, lightning, drought, landslide, hurricane, cyclone, typhoon, tornado, or other acts of God.

– Health & Social Crises: Epidemic, pandemic, famine, plague, or public health emergencies.

– Legal & Political Actions: Action of a court or public authority, sudden changes in law or government regulations, war, terrorism, armed conflict, or acts of a public enemy.

– Labor & Industrial Issues: Explosion, labor strike, lockout, boycott, or large-scale infrastructure failures.

I acknowledge that if a Force Majeure Event continues for more than 30 days in the aggregate, Refiny may immediately terminate these Terms of Service. In such an event, I agree that Refiny shall have no liability to me for or as a result of any such termination.

32. Right to Refuse Service

I acknowledge and agree that Refiny reserves the right to refuse service to any person or entity at its sole discretion, with or without cause. I understand that if Refiny exercises this right after a payment has been made, I may be entitled to a refund in accordance with the Refund Policy, provided that the refusal is not due to my breach of these Terms or fraudulent activity.

33. Artificial Intelligence Technology Acknowledgement

I acknowledge and expressly agree that Refiny may use artificial intelligence (AI) technology, automated systems, and machine learning tools to provide, enhance, and deliver its products and services.

I understand that while AI technology is used to increase efficiency and accuracy in document preparation and case management, it remains subject to the limitations of No Legal Advice and User Information terms. I agree that the use of AI by Refiny does not create an attorney-client relationship and that I am still responsible for reviewing all final documents for accuracy.

34. Corporate Disclosure and Regulatory Status

I acknowledge that Refiny is a technology platform and service provider. I understand and agree to the following disclosures regarding its corporate status:

Not a Legal Document Assistant (LDA): I acknowledge that Refiny is not a registered or bonded “Legal Document Assistant” under California Business and Professions Code, sections 6400 et seq., nor is it a licensed law firm in any jurisdiction. Refiny provides self-help software and administrative filing services at my specific direction.

Corporate Identity: I understand that the Services are provided by Refiny. For the purpose of these Terms, the governing entity and its official address for correspondence are:

Entity Name:  Refiny Company Limited

Registered Address: Suite A, Level 7, World Trust Tower, 50 Stanley Street, Central, Hong Kong

Contact Email: info@refiny.com.

35. Review of Sample Templates

I acknowledge that I have had the opportunity to view sample templates of Refiny documents and forms. I understand that if I have any questions or require assistance in locating these sample templates to understand the format and nature of the documents provided, I may contact Refiny Customer Care via email at info@refiny.com or through the official communication channels provided on the Site.

36. Acceptance of Terms

I understand and acknowledge that these Terms of Service significantly affect my legal rights and obligations.

Agreement to be Bound: If I do not agree to be bound by all of these terms, I must not use the services provided by Refiny.

Final Consent: By proceeding with my purchase, creating an account, or utilizing any of the services, I expressly agree to these Terms of Service in their entirety.