Effective date: March 27, 2026

1. Contract

1.1 You agree that by registering for, accessing, paying for, or using our Services (described below), you are agreeing to enter a legally binding contract with Figure13 LLC (even if you are using our Services on behalf of an entity like a company or corporation etc.).

1.2 If you do not agree to this contract (“Contract” or “User Agreement”), do not access or otherwise use any of our Services. If you wish to terminate this contract, at any time you can do so by no longer accessing or using our Services.

1.3 Figure13 LLC and you.

A. Registered users of our Services are “Members” and unregistered users are “Visitors”. Either Member or Visitors may be referred to as “You”. When you register for our Services you become a “Member”. If you have chosen not to register for our Services, you may access certain features as a “Visitor.”

B. You are entering into this Contract with Figure13 LLC, an Ohio Limited Liability Company (also referred to as “we” and “us” or “Figure13” or “F13”).

1.4 Services and Application of the Contract

A. This Contract applies to Figure13 LLC sites, apps, communications, and other services that state that they are offered under this Contract (“Services”), including the offsite collection of data for those Services.

B. As a Visitor or Member of our Services, the collection, use and sharing of your personal data is subject to these Terms of Service and updates, and the Figure13 Privacy Policy and updates.

1.5 Changes to the Contract

A. We may modify this Contract, and our other policies from time to time. If we make material changes to it, we may provide you notice through our Services, or by other means, to provide you the opportunity to review the changes before they become effective. We agree that changes cannot be retroactive.

B. If you object to any changes, you may stop using our Services. Your continued use of our Services after we publish or send a notice about our changes to these terms means that you are consenting to the updated terms as of their Effective date.

2. Obligations

2.1 Eligibility for Services

A. “Minimum Age” means 16 years old. However, if law requires that you must be older for Neatnik LLC to lawfully provide the Services to you without parental consent (including using of your personal data) then the Minimum Age is such older age.

B. The Services are not for use by anyone under the Minimum Age. Figure13 LLC does not knowingly collect personal identifiable information from children under the Minimum Age without verifiable parental consent. If it is determined that such information has been inadvertently collected on under the Minimum Age, we shall immediately take the necessary steps to ensure that such information is deleted from our system. Anyone under the Minimum Age must seek and obtain parent or guardian permission to use our Services.

C. To use the Services, you agree that:

  1. you must be the "Minimum Age" (described below) or older; and
  2. you are not already restricted from using the Services.

D. Creating an account with false information is a violation of our terms, including accounts registered on behalf of others or persons under the Minimum Age.

2.2 Your Account

A. Members are account holders. You agree to:

  1. use a strong password and keep it confidential for the Services; however if you choose to not use a password for such Services where the option to do so is available, use a strong password and keep it confidential for the email accounts used to access the Services without a password for the Services;

  2. not transfer any part of your account;

  3. follow the laws of your country and the United States; and

  4. follow our list of “Do’s and Don’ts”.

B. You are responsible for all usage through your account unless you close it or report misuse.

2.3 Payment

A. If you purchase or subscribe to any of our Services, you agree to pay us the applicable fees and taxes and to additional terms specific to the Services. Failure to pay these fees will result in the termination of your Services.

B. You agree that:

  1. Your purchase may be subject to foreign exchange fees or differences in prices based on location (e.g. exchange rates).

  2. If you choose this as an option and we make such option available, we may store and continue billing your payment method (e.g. credit card) even after it has expired, to avoid interruptions in your Services and to use to pay other Services you may buy.

  3. If you choose this as an option and we make such option available, if you purchase a subscription, your payment method automatically may be charged at the start of each subscription period for the fees and taxes applicable to that period.

  4. To avoid an interruption in services if you do not choose automatic renewal or if such an option is not available, you must pay for such services ahead of time. In this case, please do not ignore any subscription renewal notices.

  5. All of your purchases of Services are subject to our refund policy, which is all purchases of Services are final and non-refundable, subject to the applicable law. We reserve the right to issue refund exemptions on a case-by-case basis.

  6. We (or our subprocessors) may calculate taxes payable by you based on the billing information that you provide us at the time of purchase.