Terms of Service

These terms explain how our tax preparation service works, what we are responsible for, and what you are responsible for. They are designed to protect both you and us and to clearly define expectations. We prepare returns based on the information you provide and will always act in good faith and with professional care.

For information about how we collect, use, and protect your personal data, please see our Privacy Policy.

1. PARTIES AND ACCEPTANCE

This Terms of Service Agreement ("Agreement") is a legally binding contract between VnatCo LLC, a Pennsylvania limited liability company doing business as Lunex ("Company," "we," "us," or "our"), and the individual or entity accessing or using our services ("Client," "you," or "your"). By accessing our website, submitting information, communicating with us, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by this Agreement and our Privacy Policy in their entirety. If you do not agree to all terms herein, you must immediately cease all use of our services and website.

2. CLIENT NON-RELIANCE

CLIENT ACKNOWLEDGES AND AGREES THAT CLIENT IS NOT RELYING ON ANY ORAL OR WRITTEN STATEMENTS, ESTIMATES, PROJECTIONS, REFUND EXPECTATIONS, INFORMAL GUIDANCE, OR REPRESENTATIONS MADE BY COMPANY OR ANY OF ITS EMPLOYEES, AGENTS, OR REPRESENTATIVES, OTHER THAN THE EXPRESS WRITTEN TERMS OF THIS AGREEMENT. Client has not been induced to enter into this Agreement by any statement, representation, or warranty not expressly set forth herein. Client acknowledges that any estimates, projections, or informal discussions regarding potential tax outcomes, refund amounts, or tax liability are provided for informational purposes only and do not constitute guarantees, warranties, or binding commitments. Client assumes all risk that actual outcomes may differ materially from any estimates or projections.

3. SCOPE OF SERVICES

Company provides tax return preparation services, which are strictly limited to the preparation and filing of federal and state income tax returns based exclusively on information provided by Client. Services explicitly DO NOT include and shall not be construed to include: tax advice, tax planning, financial planning, investment advice, legal advice, accounting services, bookkeeping, audit representation, examination defense, penalty abatement assistance, tax court representation, ongoing tax monitoring, regulatory compliance advice, or any other professional service beyond the mechanical preparation and electronic transmission of tax forms.

NO FIDUCIARY RELATIONSHIP. Nothing in this Agreement or in the provision of services shall create a fiduciary relationship, partnership, joint venture, agency relationship, attorney-client relationship, or any relationship of trust or confidence between Company and Client. Company acts solely as an independent contractor providing limited tax form preparation services.

SPECIALIZATION AND CREDENTIAL BOUNDARY. Company specializes in tax return preparation based on Client-provided information. Services requiring an Certified Public Accountant (CPA), attorney, or other credentialed representative including audit representation, tax planning, advisory opinions, or formal representation before taxing authorities are not included in standard preparation services and, if available at the time, require a separate written engagement agreement and separate fees.

4. SERVICE AVAILABILITY AND TURNAROUND DISCLAIMER

Company makes no guarantee, representation, or warranty that services will be available at any particular time, that services will be uninterrupted, error-free, or secure, or that any specific results will be achieved. COMPANY MAKES NO GUARANTEE OR COMMITMENT REGARDING TURNAROUND TIMES, COMPLETION DATES, OR FILING DEADLINES. All estimated timeframes are non-binding and provided for convenience only. Company reserves the right to modify, suspend, discontinue, or terminate any aspect of its services at any time, with or without notice, for any reason or no reason, without liability to Client except as otherwise required by law. Client acknowledges that service availability and completion times may be affected by factors beyond Company's control, including but not limited to IRS system outages, state tax portal unavailability, internet connectivity issues, power failures, natural disasters, pandemics, government actions, staffing limitations, volume of work, or other circumstances.

5. CLIENT RESPONSIBILITIES AND OBLIGATIONS

Client expressly acknowledges and agrees to the following obligations, which are material conditions of this Agreement:

• To provide complete, accurate, truthful, and timely information and documentation necessary for tax return preparation;
• To disclose all sources of income, deductions, credits, and any other information material to the preparation of an accurate tax return;
• To review the completed tax return thoroughly and carefully before authorizing filing;
• To verify all figures, calculations, names, and other information contained in the return;
• To maintain original copies of all tax documents and supporting records;
• To respond promptly to any requests for additional information or clarification;
• To notify Company immediately of any errors discovered after filing;
• To comply with all applicable tax laws and regulations;
• To pay all fees when due without setoff or deduction;
• To ensure all documents provided are genuine, unaltered, and legally obtained.

6. DEADLINE RESPONSIBILITY

CLIENT IS SOLELY RESPONSIBLE FOR ALL TAX FILING DEADLINES, INCLUDING BUT NOT LIMITED TO FEDERAL AND STATE INCOME TAX DEADLINES, EXTENSION DEADLINES, ESTIMATED TAX PAYMENT DEADLINES, AND ANY OTHER STATUTORY OR REGULATORY DEADLINES. Company does not monitor deadlines on Client's behalf and has no duty to remind Client of any deadline. Client assumes all risk of late filing, late payment, penalties, interest, and any other consequences resulting from missed deadlines, regardless of whether Client engaged Company's services prior to such deadline. Company shall not be liable for any damages, penalties, interest, or other consequences resulting from Client's failure to meet any deadline, except to the extent caused by Company's gross negligence or willful misconduct.

7. EXCLUSIVE RELIANCE ON CLIENT-PROVIDED INFORMATION

Client expressly acknowledges and agrees that Company relies entirely and exclusively upon the information, documents, and representations provided by Client. Company has no duty, obligation, or responsibility to independently investigate, verify, audit, or confirm the accuracy, completeness, or truthfulness of any information provided by Client. Company shall prepare tax returns based solely on the information received from Client, and Client bears sole and exclusive responsibility for the accuracy and completeness of all such information. Any errors, omissions, inaccuracies, or misrepresentations in information provided by Client are the sole responsibility of Client, regardless of whether such errors were intentional or unintentional.

8. IDENTITY THEFT AND DOCUMENT FRAUD DISCLAIMER

Company is entitled to rely on the face validity of all documents, identification, and information provided by Client without independent verification. COMPANY SHALL NOT BE LIABLE FOR ANY CLAIMS, DAMAGES, OR CONSEQUENCES ARISING FROM FORGED, ALTERED, COUNTERFEIT, STOLEN, OR FRAUDULENT DOCUMENTS OR INFORMATION PROVIDED BY CLIENT OR ANY THIRD PARTY ON CLIENT'S BEHALF, EXCEPT TO THE EXTENT COMPANY KNEW OR SHOULD HAVE KNOWN OF SUCH FRAUD. Client represents and warrants that all documents provided are genuine, accurate, unaltered, and lawfully obtained. Client shall indemnify and hold harmless Company from any claims arising from identity theft, document fraud, or any misrepresentation of identity or financial information committed by Client or any third party acting on Client's behalf.

9. TAX POSITION RISK DISCLAIMER

CLIENT BEARS ALL RISK ASSOCIATED WITH ANY TAX POSITIONS TAKEN ON THE TAX RETURN. Tax positions are based solely on information provided by Client. Company does not guarantee that any tax position will be sustained upon examination by the IRS or any state tax authority. Client acknowledges that tax laws are subject to varying interpretations and that taxing authorities may disagree with positions taken on the return. Client assumes all risk of audit, examination, assessment of additional taxes, penalties, and interest resulting from any tax position, regardless of whether such position was suggested by Company based on Client-provided information.

10. CLIENT REVIEW AND FILING AUTHORIZATION

Prior to filing, Client shall receive a copy of the completed tax return for review. Client is solely responsible for reviewing the return in its entirety, verifying all information contained therein, and identifying any errors or concerns. Client's authorization to file, whether expressed verbally, in writing, electronically, or through any other means, constitutes Client's acceptance of the return as prepared and Client's representation that all information contained therein is accurate and complete to the best of Client's knowledge. Once a return has been filed with Client's authorization, Client shall have no claim against Company for any errors that were present in the return at the time of Client's review and authorization, except to the extent such errors were caused by Company's gross negligence or willful misconduct.

11. ELECTRONIC FILING AND DIGITAL SIGNATURE AUTHORIZATION

By authorizing electronic filing, Client expressly consents to the electronic transmission of tax returns and related documents to the Internal Revenue Service, state tax authorities, and any other applicable governmental agencies. Client acknowledges and assumes all risks associated with electronic transmission, including but not limited to: data interception, transmission errors, system failures, delayed processing, rejection of returns, and cybersecurity breaches. Client authorizes Company to affix Client's digital signature or electronic signature to all necessary forms, authorizations, and documents required for electronic filing. Client represents and warrants that any electronic signature or authorization provided constitutes Client's valid, binding signature with the same legal effect as a handwritten signature.

12. NO GUARANTEE OF TAX OUTCOME

COMPANY MAKES NO GUARANTEE, WARRANTY, OR REPRESENTATION REGARDING ANY TAX OUTCOME, INCLUDING BUT NOT LIMITED TO: the amount of any tax refund; the acceptance or approval of any tax return by the IRS or any state tax authority; the avoidance of any audit, examination, or inquiry; the amount of any tax liability; the allowability of any deduction, credit, or tax position; or the timing of any refund. Tax laws are complex and subject to interpretation by taxing authorities. Company's preparation of a tax return does not guarantee that the positions taken therein will be accepted by any taxing authority. Client assumes all risk of adverse tax determinations, audits, examinations, penalties, interest, and additional tax assessments.

13. NO DUTY TO UPDATE OR MONITOR

COMPANY HAS NO ONGOING DUTY OR OBLIGATION TO CLIENT AFTER THE COMPLETION AND FILING OF A TAX RETURN. Company has no duty to monitor changes in tax law, IRS guidance, or state tax regulations that may affect Client's return or tax situation. Company has no duty to notify Client of any changes in law that may affect prior returns or future tax years. Company has no duty to monitor the status of Client's return, refund, or any correspondence from taxing authorities. Any ongoing monitoring, updating, or advisory services must be separately engaged under a separate written agreement and separate fee.

14. DISCLAIMER OF WARRANTIES

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, COMPANY PROVIDES ALL SERVICES ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO: IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, RELIABILITY, QUALITY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE. COMPANY DOES NOT WARRANT THAT SERVICES WILL MEET CLIENT'S REQUIREMENTS, THAT SERVICES WILL BE ERROR-FREE OR UNINTERRUPTED, OR THAT ANY DEFECTS WILL BE CORRECTED. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM COMPANY SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THIS AGREEMENT.

15. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, COMPANY, ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, SUBCONTRACTORS, AFFILIATES, SOFTWARE PROVIDERS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF WHETHER COMPANY WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL COMPANY'S TOTAL AGGREGATE LIABILITY TO CLIENT FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS AGREEMENT OR SERVICES EXCEED THE TOTAL FEES ACTUALLY PAID BY CLIENT TO COMPANY FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM.

The foregoing limitations shall apply regardless of the form of action, whether in contract, tort (including negligence), strict liability, or any other legal or equitable theory, and shall survive any termination or expiration of this Agreement. NOTWITHSTANDING THE FOREGOING, NOTHING IN THIS AGREEMENT SHALL LIMIT COMPANY'S LIABILITY FOR: (A) GROSS NEGLIGENCE OR WILLFUL MISCONDUCT; (B) FRAUD OR INTENTIONAL MISREPRESENTATION; OR (C) ANY OTHER LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW. If any limitation in this section is found unenforceable, it shall be enforced to the maximum extent permitted by law.

16. COMPARATIVE FAULT AND CLIENT CONTRIBUTION

In any claim or dispute arising out of or relating to this Agreement or services, any damages recoverable by Client shall be reduced in proportion to Client's degree of fault or contribution to the claimed damages. Client's provision of inaccurate, incomplete, or untimely information; failure to review the return before authorization; failure to meet deadlines; and any other act or omission by Client contributing to the claimed damages shall reduce any recovery proportionally.

17. EXCLUSIVE REMEDY; EQUITABLE RELIEF

Client's sole and exclusive remedy for any claim arising out of or relating to this Agreement or services provided hereunder shall be limited to the monetary remedies expressly set forth in this Agreement, subject to the limitations herein. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CLIENT WAIVES ANY RIGHT TO SEEK INJUNCTIVE RELIEF, SPECIFIC PERFORMANCE, OR OTHER EQUITABLE REMEDIES AGAINST COMPANY, EXCEPT WHERE SUCH WAIVER IS PROHIBITED BY LAW OR WHERE MONETARY DAMAGES WOULD BE INADEQUATE. If a court of competent jurisdiction determines that equitable relief is warranted, such relief shall be limited to the minimum necessary to address the harm and shall not include any monetary component beyond the limitations set forth herein.

18. INDEMNIFICATION

Client shall defend, indemnify, and hold harmless Company and its members, managers, officers, employees, agents, contractors, subcontractors, affiliates, software providers, and service providers (collectively, "Indemnified Parties") from and against any and all claims, demands, actions, suits, proceedings, damages, losses, liabilities, judgments, settlements, costs, and expenses (including reasonable attorneys' fees and costs of litigation) arising out of or relating to: (a) Client's breach of this Agreement; (b) Client's provision of inaccurate, incomplete, false, fraudulent, or misleading information or documents; (c) Client's violation of any applicable law, regulation, or third-party rights; (d) any audit, examination, inquiry, or investigation by any taxing authority arising from Client-provided information; (e) any penalties, interest, additional taxes, or assessments resulting from Client-provided information; (f) any third-party claims arising from Client's tax matters; (g) any identity theft, document fraud, or misrepresentation committed by Client or on Client's behalf; or (h) Client's misuse of services.

Client's indemnification obligations include the duty to defend Indemnified Parties with counsel reasonably acceptable to Company. This indemnification shall survive termination of this Agreement.

19. SUBCONTRACTOR AND AFFILIATE PROTECTION

All limitations of liability, disclaimers, exclusions, and protections afforded to Company under this Agreement shall extend to and benefit Company's members, managers, officers, employees, agents, contractors, subcontractors, affiliates, software providers, and any other persons or entities providing services on Company's behalf (collectively, "Protected Parties"). Client agrees that Protected Parties are intended third-party beneficiaries of such provisions. No Protected Party shall have liability to Client exceeding the limitations set forth herein.

20. ASSUMPTION OF RISK

Client expressly acknowledges and assumes all risks associated with tax return preparation and filing, including but not limited to: the risk of errors in the return; the risk of audit or examination; the risk of penalties and interest; the risk of adverse tax determinations; the risk of identity theft; the risk of data breaches; the risk of electronic transmission failures; the risk of missed deadlines; and all other risks inherent in tax matters. Client agrees that Company shall not be liable for any damages arising from such risks, except to the extent caused by Company's gross negligence or willful misconduct.

21. CYBERSECURITY AND DATA TRANSMISSION RISKS

Client acknowledges that the transmission of information over the internet and electronic storage of data involves inherent security risks that cannot be completely eliminated. Client expressly assumes all risks associated with the electronic transmission, storage, and processing of Client's personal and financial information, including but not limited to: unauthorized access, data breaches, hacking, malware, phishing, ransomware, interception of communications, and system failures. Company implements reasonable security measures but makes no guarantee that such measures will prevent all security incidents. Company shall not be liable for any unauthorized access to or disclosure of Client's information except to the extent caused by Company's gross negligence or willful misconduct.

22. THIRD-PARTY SERVICES AND PLATFORMS

Company utilizes third-party services, platforms, and systems to provide services, including but not limited to: IRS e-file systems, state tax authority portals, payment processors, communication platforms, tax preparation software, and cloud storage providers. Client acknowledges that Company has no control over such third-party services and assumes all risks associated with their use. Company shall not be liable for any failures, errors, delays, security breaches, data loss, or other issues arising from third-party services that are beyond Company's reasonable control. Third-party services are subject to their own terms and conditions.

23. REGULATORY COMPLIANCE DISCLAIMER

CLIENT IS SOLELY RESPONSIBLE FOR COMPLIANCE WITH ALL APPLICABLE LAWS, REGULATIONS, AND REQUIREMENTS relating to Client's tax obligations, reporting requirements, and financial matters. Company does not provide legal advice or regulatory compliance advice. Company makes no representation that any tax return or tax position complies with all applicable laws and regulations. Client assumes all risk of non-compliance, penalties, and consequences arising from regulatory matters.

24. COMMUNICATION AND ELECTRONIC CONSENT

By providing contact information to Company, Client expressly consents to receive communications via telephone, email, and other electronic means regarding services, account matters, and related information. Client acknowledges that electronic communications may not be secure and assumes all risks associated with such communications. Client agrees that electronic communications satisfy any legal requirement that communications be in writing.

25. NOTICE BY EMAIL

Any notice required or permitted under this Agreement may be given by email to the email address provided by the respective party. Notice by email shall be deemed effective upon transmission, provided no delivery failure notification is received within twenty-four (24) hours. Client is responsible for maintaining a current, valid email address on file with Company and for monitoring such email for communications.

26. FEES, PAYMENT, AND REFUND POLICY

ALL FEES ARE EARNED UPON COMMENCEMENT OF SERVICES AND ARE NON-REFUNDABLE. Services are deemed to have commenced upon Company's receipt of any Client information, documentation, or communication requesting services. Fees are non-refundable regardless of whether the return is completed, filed, accepted, rejected, or amended, and regardless of any tax outcome. Client agrees to pay all fees when due without setoff, deduction, or counterclaim. Company reserves the right to modify fees upon reasonable notice. Failure to pay fees when due shall constitute a material breach of this Agreement and shall entitle Company to suspend or terminate services, pursue collection, and recover reasonable costs of collection including attorneys' fees as permitted by law.

27. CHARGEBACKS AND PAYMENT DISPUTES

Client agrees not to initiate any chargeback, payment dispute, or reversal with any payment processor, credit card company, bank, or financial institution for services rendered without first attempting to resolve the dispute directly with Company. Any billing disputes must be raised directly with Company in writing within thirty (30) days of the charge. If Client initiates a chargeback in violation of this provision for services that were actually rendered, Client shall be liable for: (a) the full amount of the original charge; (b) all chargeback fees and processing costs actually incurred by Company; (c) a reasonable administrative fee not to exceed $75.00; and (d) interest at the lesser of 1% per month or the maximum rate permitted by applicable law. Company may pursue collection through lawful means.

28. RIGHT TO REFUSE, SUSPEND, OR TERMINATE SERVICES

Company reserves the right to refuse, suspend, or terminate services to any Client at any time, for any lawful reason, with or without notice. Reasons may include but are not limited to: suspected fraud, provision of false information, abusive or threatening behavior, non-payment, failure to provide required documentation, tax positions Company deems inappropriate, conflicts of interest, or other legitimate business reasons in Company's reasonable discretion. In the event of termination for cause, Client remains liable for all fees for services performed prior to termination, and no refund shall be provided. In the event Company terminates without cause after receiving payment, Company shall refund a prorated portion of fees for services not yet rendered.

29. ERROR NOTIFICATION AND CLAIM PERIOD

Client must notify Company in writing of any alleged error, omission, or deficiency in services within thirty (30) days of the earlier of: (a) filing of the return; or (b) delivery of the completed return to Client. Failure to provide timely written notice shall constitute Client's acceptance of the return as prepared. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ANY CLAIM, ACTION, OR PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT OR SERVICES MUST BE COMMENCED WITHIN ONE (1) YEAR OF THE DATE THE CLAIM ACCRUED OR, IF LATER, THE DATE CLIENT KNEW OR REASONABLY SHOULD HAVE KNOWN OF THE CLAIM. This limitation period applies to the extent permitted by applicable law.

30. NO AUDIT REPRESENTATION

Tax preparation services DO NOT include audit representation, examination defense, appeals, penalty abatement, innocent spouse relief, offer in compromise assistance, tax court representation, or any representation before any taxing authority, administrative body, or court. If Client is audited, examined, or contacted by any taxing authority, Company has no obligation to provide representation, assistance, or support. Separate audit representation services may be available under a separate written agreement and separate fee, at Company's discretion.

31. RECORD RETENTION AND DESTRUCTION

Client is solely responsible for maintaining copies of all tax returns, supporting documents, and records. COMPANY HAS NO DUTY TO RETAIN ANY CLIENT RECORDS BEYOND THE MINIMUM PERIOD REQUIRED BY APPLICABLE LAW. Company may destroy, delete, or dispose of any Client records after the applicable retention period with reasonable notice where practicable. Company shall not be liable for any loss or unavailability of records after the required retention period. Client should independently retain all necessary documentation.

32. FORCE MAJEURE

Company shall not be liable for any failure or delay in performing obligations under this Agreement due to circumstances beyond Company's reasonable control, including but not limited to: acts of God, natural disasters, pandemics, epidemics, war, terrorism, riots, civil unrest, government actions or orders, embargoes, sanctions, strikes, labor disputes, power failures, internet outages, telecommunications failures, IRS or state tax system outages, software failures, cyberattacks, or any other event beyond Company's reasonable control. In such event, Company's obligations shall be suspended for the duration of the force majeure event, and deadlines shall be extended accordingly.

33. BINDING ARBITRATION AND CLASS ACTION WAIVER

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Federal Arbitration Act. This arbitration provision is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq. ("FAA"), and evidences a transaction involving commerce.

Agreement to Arbitrate. Any dispute, controversy, or claim arising out of or relating to this Agreement, the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by binding arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules then in effect. The arbitration shall be conducted by a single arbitrator in Philadelphia, Pennsylvania.

Small Claims Exception. Notwithstanding the foregoing, either party may bring an individual action in small claims court for disputes within that court's jurisdictional limits.

Delegation. The arbitrator shall have authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, including any claim that all or part of this arbitration agreement is void or voidable.

Arbitrator's Authority. The arbitrator shall have the authority to grant any remedy or relief that would be available in court, subject to the limitations set forth in this Agreement. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

CLASS ACTION WAIVER: TO THE FULLEST EXTENT PERMITTED BY LAW, CLIENT AGREES THAT ANY ARBITRATION OR LEGAL PROCEEDING SHALL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION, COLLECTIVE ACTION, MASS ACTION, REPRESENTATIVE ACTION, OR CONSOLIDATED PROCEEDING. CLIENT WAIVES ANY RIGHT TO PARTICIPATE IN A CLASS ACTION OR TO RECOVER ON A CLASS-WIDE BASIS. If this class action waiver is found unenforceable as to a particular claim, that claim shall be severed and may proceed in court, while remaining claims shall be arbitrated.

Arbitration Severability. If any portion of this arbitration provision is found unenforceable, the remaining portions shall remain in full force and effect.

34. JURY TRIAL WAIVER

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, CLIENT HEREBY KNOWINGLY, VOLUNTARILY, AND INTENTIONALLY WAIVES ANY RIGHT TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICES PROVIDED HEREUNDER.

35. GOVERNING LAW AND VENUE

This Agreement shall be governed by and construed in accordance with the laws of the Commonwealth of Pennsylvania, without regard to its conflict of laws principles. The United Nations Convention on Contracts for the International Sale of Goods shall not apply. Subject to the arbitration provisions herein, any legal action or proceeding arising out of or relating to this Agreement shall be brought exclusively in the state or federal courts located in Philadelphia County, Pennsylvania. Client irrevocably consents to the personal jurisdiction of such courts and waives any objection to venue therein, including any objection based on forum non conveniens.

36. ASSIGNMENT

Company may assign, transfer, delegate, or sublicense any or all of its rights and obligations under this Agreement without Client's consent upon notice to Client. Client may not assign, transfer, or delegate any rights or obligations under this Agreement without Company's prior written consent. Any purported assignment in violation of this section shall be void.

37. MODIFICATION OF TERMS

Company reserves the right to modify, amend, or update this Agreement by posting the revised terms on its website. Material modifications shall be effective thirty (30) days after posting or upon notice to Client, whichever is earlier. Non-material modifications shall be effective upon posting. Client's continued use of services after the effective date of any modification constitutes acceptance of the modified Agreement. It is Client's responsibility to review this Agreement periodically for changes.

38. SEVERABILITY

If any provision of this Agreement is held to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, such invalidity shall not affect the validity of the remaining provisions, which shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the parties' original intent to the maximum extent possible.

39. INTERPRETATION

This Agreement shall be interpreted fairly according to its terms without strict construction in favor of or against either party.

40. SURVIVAL

The following provisions shall survive any termination or expiration of this Agreement: Sections 2, 6, 7, 8, 9, 10, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 26, 27, 29, 31, 33, 34, 35, 38, 39, 40, 44, and any other provisions that by their nature should survive termination.

41. ENTIRE AGREEMENT

This Agreement, together with the Privacy Policy, constitutes the entire agreement between the parties concerning the subject matter hereof and supersedes all prior and contemporaneous agreements, understandings, negotiations, representations, and discussions, whether oral or written. No modification of this Agreement shall be binding unless in writing and signed by an authorized representative of Company, except for modifications made pursuant to Section 37. Client acknowledges that Client has not relied on any statement, representation, or warranty not expressly set forth in this Agreement.

42. WAIVER

No waiver of any provision of this Agreement shall be effective unless in writing and signed by Company. No failure or delay by Company in exercising any right or remedy shall operate as a waiver thereof, nor shall any single or partial exercise of any right or remedy preclude any other or further exercise thereof.

43. EVIDENCE AND RECORDS

Company's records, including electronic records, logs, and communications, shall constitute rebuttable evidence of Client's agreement to these terms, authorization of services, and communications between the parties. In any dispute, Company's records shall be presumed accurate absent credible evidence to the contrary.

44. SMS/TEXT MESSAGING TERMS OF SERVICE

Program Name: Lunex Client Communications

Program Description: VnatCo LLC, doing business as Lunex, sends SMS/text messages to existing clients for transactional and customer service purposes only. Messages may include: service updates, requests for client information (e.g., email address), verification notifications, document upload links, payment instructions, appointment reminders, and direct client support. Messages are non-promotional and non-marketing. Messages are sent only in the context of an existing business relationship.

Consent and Opt-In: By providing your mobile phone number to Lunex and verbally consenting to receive text messages during a phone call or live conversation with our staff, you agree to receive transactional and service-related SMS messages from Lunex. You may also opt in by texting START or SUBSCRIBE to our messaging number. Consent is not a condition of purchase or service. Consent applies only to transactional and customer service communications from Lunex.

Message Frequency: Message frequency varies based on your service needs and active engagement with Lunex. You will only receive messages relevant to your account and service requests.

Message and Data Rates: Message and data rates may apply. Please contact your wireless carrier for details about your text messaging plan and any applicable charges.

Opt-Out: You may opt out of receiving SMS messages at any time by replying STOP to any message received from Lunex. You may also text OPTOUT, CANCEL, END, QUIT, UNSUBSCRIBE, REVOKE, or STOPALL. Upon receiving your opt-out request, you will receive a single confirmation message and no further SMS messages will be sent. Please note that opting out of SMS communications may affect our ability to provide timely service updates regarding your account.

Help: For assistance with SMS messaging, reply HELP or INFO to any message received from Lunex. You may also contact us at [email protected] or call +1 (347) 970-7581.

Carrier Liability: Carriers (T-Mobile, AT&T, Verizon, etc.) are not liable for delayed or undelivered messages. Lunex is not responsible for messages that are not delivered due to carrier network issues, device incompatibility, or other factors outside of our control.

Privacy: Your mobile phone number and SMS opt-in data are collected solely for the purpose of sending you service-related messages. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes at any time. For full privacy details, see our Privacy Policy.

Supported Carriers: Service is available on all major U.S. wireless carriers. Carriers are not responsible for delayed or undelivered messages.

45. CONTACT INFORMATION

For questions regarding this Agreement, services, or SMS messaging:

• Email: [email protected]
• Phone: +1 (347) 970-7581
• Website: lunex.llc

Effective Date: October 10, 2026

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