Terms of Service

1. Agreement and acceptance

These Terms of Service (“Terms”) are a binding agreement between you and Camus LLC (“Camus,” “we,” “us,” or “our”). They govern your access to and use of MeridianBx websites, applications, accounts, study tools, content, communications, support, and any related product or service that links to these Terms (collectively, the “Service”).

You accept these Terms when you create an account, select a checkbox or button that refers to them, purchase or redeem access, or otherwise access or use the Service. If you do not agree, do not access or use the Service. Our Privacy Notice explains how we handle personal information. It is incorporated into these Terms for purposes of describing the Service, but it does not create contractual rights beyond those provided by applicable law.

If you enter into an agreement on behalf of a school, employer, cohort, institution, company, or other organization, you represent that you have authority to bind it. In that situation, “you” includes both you and the organization, except where a provision by its nature applies only to an individual. Using an individual learner account through an employer or school does not by itself mean you represent or bind that organization.

2. Platform ownership, affiliated services, and contract priority

Camus owns and operates MeridianBx. If a checkout page, order, invoice, signed agreement, or service-specific notice identifies another Camus-controlled company as the seller or provider, that identified entity is responsible for the obligations specific to that purchase or service and is also entitled to enforce these Terms.

Camus and its parents, subsidiaries, affiliates, owners, officers, directors, employees, contractors, licensors, and service providers are called the “Camus Group” in provisions that protect or benefit them. A Camus Group member does not become responsible for another member’s obligations solely because of corporate ownership, affiliation, branding, integration, or a link between services.

An “Order” means the checkout page, plan summary, order form, invoice, promotional offer, or other purchase terms presented when you obtain access. If terms conflict, the following order controls for that conflict: (a) a written agreement signed by you and the applicable Camus Group entity; (b) the Order; (c) service-specific supplemental terms; and (d) these Terms. Official promotion rules control for that promotion. The Privacy Notice controls with respect to the processing of personal information.

3. Eligibility and authority

You must be at least 18 years old, legally capable of entering a binding contract, and permitted to use the Service under applicable law. The Service is not directed to children. You may not use it if we previously terminated your account for material breach unless we give written permission.

You may use the Service only in locations where we make it available. You are responsible for complying with laws that apply to you, including export controls, sanctions, professional rules, school or employer policies, exam-security agreements, and credentialing-body requirements.

4. Accounts and account security

Provide accurate, current, and complete information and keep it updated. Your account is personal to you unless an Order or institution agreement expressly permits shared administrative access. You may not sell, assign, rent, sublicense, transfer, or share your account or credentials.

Use a unique password, safeguard your credentials, sign out of devices you do not control, and promptly notify us at contact@meridianbx.com if you suspect unauthorized access or misuse. You are responsible for activity conducted through your account until you notify us and we have a reasonable opportunity to act, except to the extent applicable law provides otherwise. We may require verification, reauthentication, password reset, or other security steps.

We may rely on instructions submitted through your authenticated account. If an institution created or sponsors your access, the institution may manage eligibility or access duration, but it may not use your credentials as if it were you.

5. The Service and feature availability

The Service may include RBT practice questions, quizzes, practice tests, explanations, flashcards, bookmarks, progress views, study points, rewards, accessibility tools, customer support, and other features we clearly make available in your account.

MeridianBx provides free starter RBT study access and an optional Practice subscription. Free registration requires no payment method and does not start a subscription. Tutoring, institution reporting, and external AI chat are not included in the current offering. Provisions below about those services apply only if we separately offer them and you choose to use them.

Availability may vary by region, device, account, and publication status. Features described as included when you obtain access remain subject to that offer and applicable law. A clearly labeled preview or future feature is not a promise that it is available now. Preview and early-access features may be incomplete, contain errors, change, or be discontinued.

We may improve, replace, limit, suspend, or discontinue features and may set technical, storage, content, session, or usage limits. If we materially discontinue a core paid feature during a prepaid access period, we may provide a reasonable substitute, service credit, prorated refund, or cancellation right as required by the Order or applicable law. We do not promise that every feature, question, test, note, plan, or historical data point will remain available forever.

6. Educational purpose; no professional or outcome guarantee

The Service is for independent education and exam preparation. It is not a school, university, credentialing body, licensing board, testing authority, healthcare provider, clinical supervisor, legal adviser, tax adviser, financial adviser, or employer. Nothing in the Service is medical, mental-health, legal, financial, tax, regulatory, clinical, or other professional advice.

We do not guarantee admission, exam eligibility, authorization to test, a passing result, any score, certification, licensure, continuing-education credit, academic credit, employment, promotion, reimbursement, or any other outcome. Results depend on factors outside our control, including prior knowledge, study choices, official eligibility rules, exam content, psychometric scoring, security procedures, testing conditions, and changes made by third parties.

MeridianBx exam preparation does not provide or replace the required RBT 40-hour training, Initial Competency Assessment, application, background checks, certification examination, ongoing supervision, or recertification requirements. Practice time and rewards are not supervised service hours or professional-development credit. Consult the Behavior Analyst Certification Board (BACB) for current requirements.

Educational content can contain errors, omissions, differing interpretations, or information that becomes outdated. Verify high-stakes information through the official credentialing or testing organization and other qualified sources. Do not use study content to diagnose, treat, advise, document, or make decisions for an actual patient, client, student, or other real-world case. It does not authorize independent behavior-analytic practice or replace direction from a qualified supervisor.

7. Exam integrity and candidate obligations

You are responsible for following every candidate handbook, nondisclosure agreement, security rule, testing-center rule, remote-proctoring rule, ethics code, and other requirement that applies to your exam or credential.

You may not use the Service to obtain, request, upload, reconstruct, memorize for distribution, crowdsource, sell, disclose, or distribute recalled, live, stolen, confidential, or unauthorized exam questions or answers. You may not use the Service during an examination where outside assistance is prohibited, bypass proctoring or security controls, impersonate a candidate, facilitate proxy testing, or help another person violate an exam rule. If you submit material that appears to contain protected exam content, we may remove it, preserve relevant evidence, restrict the account, and cooperate with lawful investigations.

Our content is independently developed or lawfully used for educational purposes. Similarity in tested concepts, terminology, format, or public blueprint coverage does not mean a study item is an official or previously administered item.

8. Scores, readiness, simulations, and unofficial records

Practice percentages, timing reports, progress views, and recommendations are educational guidance based on available data and stated assumptions. They are not official BACB scores, validated pass predictions, guarantees, or substitutes for a credentialing body’s records. Small samples, incomplete activity, changing content, and self-reported information can make these results less reliable.

Exam simulations may approximate publicly described timing or navigation patterns, but they do not reproduce an official testing platform, computer-adaptive item selection, scoring, security, interface, or result. Practice materials and unscored activities must not be treated as official performance evidence.

Saved study activity, flashcard reviews, points, and reward records are personal learning records. We do not submit them to the BACB as evidence of eligibility, competency, supervision, or certification.

9. AI-assisted and automated features

If the Service offers AI-assisted, generated, adaptive, recommendation, or other automated features, their outputs may be inaccurate, incomplete, inconsistent, non-unique, or inappropriate for your circumstances. Treat outputs as study assistance, check them against reviewed content and official sources, and use your own judgment. Automated output does not replace qualified human review or make a feature official, calibrated, or outcome-predictive.

Do not enter protected exam material, patient or client information, protected health information, student records you are not authorized to disclose, government identifiers, payment-card data, private credentials, confidential employer information, or other sensitive information into an AI-assisted or free-text feature. Do not use automated features to cheat, misrepresent authorship where prohibited, make real-world clinical or professional decisions, or violate another person’s rights.

Similar or identical outputs may be produced for other users. Unless an Order expressly says otherwise, you receive no exclusive right in an automated output. Rights in your inputs and outputs are subject to these Terms, applicable law, and any third-party terms disclosed for the feature. We may apply automated and human review to secure the Service, enforce these Terms, assess quality, and prevent abuse as described in the Privacy Notice.

10. Accessibility and testing accommodations

We work to make the Service usable by a broad range of learners. Contact us through the accessibility support channel to report a barrier or request information about available platform adjustments.

Platform display, timing, keyboard, audio, break, or other accessibility features are study tools only. They do not establish eligibility for an official accommodation, match every official accommodation, or bind a school, employer, testing vendor, credentialing body, or licensing authority. You are responsible for requesting official accommodations directly through the applicable process and by the applicable deadline.

11. Institution, employer, and cohort access

Schools, programs, employers, and other organizations may sponsor access or use administrative, assignment, roster, cohort, or reporting features under a separate agreement. If you receive sponsored access, the sponsoring organization may provide information about you and may receive account, enrollment, assignment, participation, usage, progress, or performance information as described when access is created, in the Privacy Notice, and in the applicable agreement.

The organization is responsible for having authority to provide user information, assign access, and receive reports. It is also responsible for its obligations under student-record, employment, accessibility, procurement, privacy, and other laws. Unless a signed agreement expressly says otherwise, the Service is not an official student information system, learning management system of record, employment record, credentialing record, or regulated clinical system.

Do not submit protected health information or patient records. No business associate agreement or other regulated-data addendum applies unless it is separately signed by an authorized representative of the applicable Camus Group entity. Sponsored access may end when the sponsorship, your affiliation, or the organization agreement ends. Your right to retain or transfer data may be limited by the organization agreement and applicable law.

12. Tutoring, live sessions, and human support

If tutoring, coaching, office hours, live labs, or similar support is offered, it is educational support and remains subject to the educational boundaries in these Terms. Availability depends on schedules, capacity, eligibility, time zones, holidays, and technical conditions. We may change the assigned educator or facilitator with a reasonably qualified substitute.

The scheduling page, confirmation, or Order may state cancellation, rescheduling, lateness, package-expiration, and no-show rules. If no different rule is displayed, request rescheduling at least 24 hours before the session. Late cancellations, no-shows, late arrival, or inability to participate because of your equipment or connection may cause the session or credit to be treated as used, except where law requires otherwise.

We will record a live session only after providing any notice or obtaining any consent required by law. You may not record, transcribe, publish, distribute, or permit an automated meeting bot to join a session without our prior written permission and the legally required consent of every participant.

13. Rewards, promotions, and shipped items

Study points, streaks, and badges are optional program features. Points are not money, do not create a stored-value account, and cannot be sold, transferred, or redeemed for cash. Available rewards, point requirements, earning limits, and delivery requirements are shown in your account. An issued gift card may have a stated value and is subject to the issuer’s terms and applicable law.

We may correct errors or reverse points obtained through fraud, duplicate activity, or program abuse. We may change future earning rates, redemption requirements, or availability with notice of material changes. Changes do not remove non-waivable rights or cancel an accepted redemption without an appropriate resolution, such as replacement or restoration of points. If a reward cannot be fulfilled, contact us so we can resolve the order.

You are responsible for accurate delivery information and any tax obligation arising from a reward. Delivery dates are estimates. We use recipient, address, contact, and order information to administer redemptions as explained in the Privacy Notice. Study points and rewards are not compensation for work or evidence of certification.

14. Orders, prices, and payment authorization

Creating an account does not authorize any charge or future subscription. Sections 14–18 apply only to a paid offer you separately accept. Practice costs $19.99 USD per month and includes 50 practice questions per day and four practice tests per monthly billing period, with 20-, 50-, or 85-question test lengths. Questions reset at midnight UTC; test allowances reset on renewal. Unused allowances do not roll over. Free starter access includes 10 questions per day and one 20-question sample test. Existing full-access accounts retain their current access. Before you buy, the Order will identify the seller, product or plan, included access, price, currency, billing interval or access period, material limitations, and any additional terms. You agree to pay only the displayed price, applicable taxes, and authorized charges.

You authorize the applicable seller and its payment processor to charge the payment method you provide for the Order, including recurring charges when you separately consent to an automatically renewing plan. You represent that you are authorized to use the payment method and that the billing information is accurate. We may correct an obvious pricing or description error before providing the affected paid access; if we cancel an accepted Order because of such an error, we will refund the amount paid for the canceled portion.

Stripe processes subscription payments on its hosted checkout and billing pages. Payment details go directly to Stripe. MeridianBx stores Stripe customer and subscription identifiers, subscription status and periods, usage allowances, and records of your recurring-payment consent. You can review invoices, update your payment method, and cancel through Settings → Manage billing.

15. Automatic renewal, trials, and cancellation

Before obtaining your billing information or consent, the Order will clearly disclose the renewal interval, amount or method of determining the amount, trial or promotional period, date or frequency of charges, material restrictions, and how to cancel. We will obtain the affirmative consent required by law and provide a confirmation that you can retain.

Practice renews automatically at $19.99 USD per month plus any applicable taxes until cancelled. There is no free trial. Choose Settings → Manage billing to cancel before the next renewal; cancellation stops the next charge and access continues through the current paid period.

Unless the Order says otherwise, each renewal is for the same period as the expiring subscription at the then-current price plus applicable tax. We will provide renewal, trial-ending, promotional-price-ending, annual, and price-change notices when and within the time required by applicable law.

You may cancel through the online account or billing settings made available for the plan. You may also request cancellation at contact@meridianbx.com. If you enrolled online, an online cancellation method will be available where required by law. Authentication may be required to protect your account. We will not require you to buy another product or create an unreasonable obstacle to cancellation.

Unless the Order or applicable law says otherwise, cancellation stops future renewals and paid access continues through the end of the current paid period. Deleting an app, leaving a course, not using the Service, removing a payment method, or asking a school or payment processor does not by itself cancel a subscription.

If a free or discounted trial converts to a paid plan, the Order will state the conversion date and price. Cancel before conversion to avoid the first paid charge. We may limit trial eligibility and may end or modify a trial prospectively, but we will not charge you without the consent and disclosures required by law.

16. Refunds, credits, and charge questions

Except when an Order expressly provides a refund right or applicable law requires one, charges are final and nonrefundable after the applicable access period begins. Cancellation does not retroactively refund a completed or partially used billing period. Tutoring, live events, digital downloads, shipped goods, and institution purchases may have service-specific refund rules presented before purchase.

We may provide a refund, extension, replacement, or credit to address a duplicate charge, confirmed billing error, material service failure, or other circumstance. A discretionary accommodation in one case does not require the same result in another. Refunds generally return to the original payment method and may take time to appear.

Contact us promptly if you do not recognize or dispute a charge so we can investigate. This request does not limit any non-waivable right to contact your payment provider or regulator. Knowingly initiating a false or abusive chargeback, using paid access after obtaining a reversal, or misrepresenting a transaction may result in suspension and recovery of amounts lawfully owed.

17. Promotional codes, gifts, and third-party purchases

Coupons, referral credits, scholarships, gift access, bundles, and promotions may be subject to eligibility, redemption, expiration, geographic, plan, and combination limits. Unless official rules say otherwise, they are nontransferable, not redeemable for cash, and may be revoked if obtained through error, fraud, automated activity, duplicate accounts, or other abuse.

If you buy through an app store, institution, marketplace, or other third party, that third party may control payment, renewal, cancellation, and refunds. Its purchase terms apply to those functions, while these Terms continue to govern use of the Service.

18. Taxes, failed payments, and collection

Prices may exclude sales, use, value-added, or similar taxes unless the Order says otherwise. You are responsible for taxes associated with your purchase except taxes based on our net income. If a tax exemption applies, provide valid documentation before purchase where the checkout supports it.

If payment fails, expires, is reversed, or becomes past due, we may retry the charge as permitted, request an updated payment method, suspend paid access, cancel the Order, or collect amounts lawfully due. You remain responsible for accrued charges and reasonable collection costs to the extent permitted by law. We will not charge a payment method after cancellation except for an amount incurred before cancellation or otherwise authorized by law.

19. Limited license to use the Service

Subject to these Terms and your applicable Order, we grant you a limited, personal, nonexclusive, nontransferable, nonsublicensable, and revocable right to access and use the Service for your own lawful study or the authorized internal educational purpose stated in an institution agreement. Access is licensed, not sold. No ownership right transfers to you.

You may make a reasonable number of personal study notes and may print or download material only where the Service expressly provides that function. Those copies remain subject to these Terms and must retain proprietary notices. You may not use individual access to teach a paid course, create a competing product, stock a shared library, or provide content to others.

20. Acceptable use and prohibited conduct

You may not, and may not help another person to:

• copy, photograph, screen-record, download, reproduce, publish, transmit, sell, license, distribute, or create derivative question banks, explanations, tests, lessons, videos, audio, software, or other protected Service content except as expressly allowed;
• scrape, crawl, spider, harvest, index, mirror, frame, cache, or use bots, scripts, browser automation, data-mining, or bulk-access tools against the Service, except ordinary public-search indexing that follows our technical instructions;
• use Service content, outputs, metadata, or access to train, evaluate, benchmark, ground, fine-tune, or improve a machine-learning or AI system without our written permission;
• reverse engineer, decompile, disassemble, discover source code or underlying models, bypass technical controls, evade rate or exposure limits, defeat watermarking, or probe vulnerabilities, except only to the narrow extent a legal right cannot be waived;
• share accounts, rotate credentials, create deceptive or duplicate accounts, resell access, bypass a paywall, abuse trials or promotions, or conceal the source of automated traffic;
• interfere with availability, overload infrastructure, introduce malicious code, access another person’s account or data, or test security without prior written authorization;
• impersonate another person, misrepresent credentials or affiliation, infringe rights, harass or threaten others, submit unlawful or deceptive content, or use the Service for fraud or illegal activity;
• remove notices, obscure attribution, falsely imply endorsement, or use the Service or its content in a way likely to confuse learners about what is official; or
• use the Service in violation of Section 7 or any applicable exam-security obligation.

Ordinary assistive technologies, password managers, browser accessibility features, and personal automation expressly provided by the Service are allowed. Contact us before conducting security research or any activity that could affect other users or the Service.

21. Your content and permissions

“User Content” means notes, flashcards, messages, responses, files, profile information, institution materials, feedback, and other material you submit to the Service. As between you and us, you retain ownership of your User Content.

You grant the Camus Group and its necessary service providers a worldwide, nonexclusive, royalty-free license to host, store, reproduce, format, transmit, display, and otherwise use User Content only as reasonably necessary to operate, secure, support, improve, and provide the Service; comply with law; and enforce these Terms. This license ends when the content is deleted from active systems, subject to reasonable backup, security, fraud-prevention, legal, and record-retention processes described in the Privacy Notice.

You represent that you have the rights and permissions needed to submit User Content and permit its use as described. User Content must not violate law, confidentiality, privacy, intellectual-property, publicity, exam-security, school, employer, or other rights. We may restrict, remove, preserve, or disclose User Content when reasonably necessary to enforce these Terms, protect users or the Service, comply with law, or respond to a valid legal request.

22. Feedback and honest reviews

If you voluntarily send product ideas or feedback directly to us, you grant us a perpetual, worldwide, nonexclusive, irrevocable, royalty-free license to use, reproduce, adapt, publish, and incorporate that feedback without compensation or attribution. Do not submit an idea you are not authorized to share.

Nothing in these Terms restricts your right to make an honest review, performance assessment, or other lawful statement about us or the Service. The feedback license does not transfer ownership of a consumer review or limit rights protected by the Consumer Review Fairness Act or other applicable law. We will not publicly identify you in marketing, use your logo, or present your result as a testimonial without separate permission.

23. Intellectual property and third-party exam names

The Service—including its software, design, text, questions, answer choices, explanations, tests, videos, audio, images, graphics, trademarks, logos, selection and arrangement, and other content—is owned by or licensed to the Camus Group and is protected by intellectual-property and other laws. All rights not expressly granted are reserved.

MeridianBx is an independent education service and is not affiliated with, endorsed by, sponsored by, or approved by the Behavior Analyst Certification Board (BACB) or Pearson VUE. BACB, Registered Behavior Technician, and RBT are marks of the Behavior Analyst Certification Board. Other third-party names and marks belong to their respective owners and are used for identification and educational description.

24. Copyright complaints

If you believe content available through the Service infringes your copyright, send a notice with the subject “Copyright Notice” to contact@meridianbx.com and the mailing address in Section 39. Include: (a) your physical or electronic signature; (b) identification of the copyrighted work; (c) identification and location of the material at issue; (d) your name and contact information; (e) a statement of your good-faith belief that the use is not authorized by the owner, its agent, or law; and (f) a statement, under penalty of perjury, that the notice is accurate and you are authorized to act for the owner.

We may remove or restrict material, notify the submitting user, request more information, restore material following a valid counter-notice, and terminate repeat infringers where appropriate. Knowingly making a material misrepresentation in a copyright notice or counter-notice may create liability under applicable law.

25. Privacy, data, and account records

Our Privacy Notice describes the personal information stored by the current Service, how we use it, and security practices for passwords and tokens. You are responsible for reviewing the notice and for providing any notices or obtaining any permissions required before submitting information about another person.

Internet services cannot be guaranteed completely secure or continuously available. Keep independent copies of User Content or records you need. You may request account closure, access to your personal information, correction, or deletion as described in the Privacy Notice, even if a self-service tool is unavailable. Applicable privacy rights are not restricted by these Terms or by the availability of product tools.

26. Electronic records and communications

By accepting these Terms, you consent to receive agreements, Orders, receipts, renewal and billing notices, disclosures, policy updates, security alerts, and other legally required or transactional records electronically at your account email or through the Service. Electronic acceptance has the same effect as a handwritten signature.

You need an internet-connected device, a current web browser capable of displaying HTML, access to your account email, and software capable of saving or printing web pages or PDF files. Keep your email current. You may save or print these Terms and electronic notices. You may request a paper copy of a legally required record at no charge by contacting us.

You may withdraw consent to electronic records by emailing us. Withdrawal is prospective and does not affect earlier records or transactions. Because the Service is primarily digital, withdrawal may prevent us from providing an account or paid access and may require account closure after we complete legally required steps. We will tell you about any material change to the hardware or software requirements when required by law.

We may send optional product or marketing email where permitted. You may unsubscribe using the instructions in the message or by contacting us, but you will continue to receive necessary service, security, legal, and transaction communications while you use the Service. Browser display preferences do not change email subscriptions. The current Service does not send marketing text messages; any future marketing texts would require any separate consent required by law.

27. Third-party services and links

The Service may depend on or link to payment processors, cloud hosting, email, analytics, accessibility, scheduling, video, app stores, official exam sources, and other third-party services. Their content, availability, security, accessibility, data practices, prices, and terms are controlled by them. A link or integration does not imply endorsement.

We are not responsible for a third-party service or transaction outside our reasonable control. Your dispute with a third party is governed by your agreement with that party, except that we remain responsible for our own obligations under these Terms and applicable law.

28. Suspension, termination, and effects

You may stop using the Service at any time and may cancel a subscription as described in Section 15. We may investigate, restrict, suspend, or terminate access if we reasonably believe there is nonpayment, fraud, account sharing, exam-security misconduct, infringement, unlawful activity, a security or safety risk, material breach, repeated minor breaches, or conduct that threatens users, third parties, or the Service. When practical and appropriate, we will provide notice and a reasonable opportunity to cure.

We may also close an inactive free account after reasonable notice. Urgent security, legal, fraud, or exam-integrity concerns may require immediate action without advance notice. Suspension does not extend a paid period unless we decide otherwise or law requires it.

Upon termination, your license ends and you must stop using protected Service content. Termination does not eliminate payment obligations already incurred. Sections that by their nature should survive will survive, including provisions concerning ownership, User Content permissions needed for retained copies, payment, disclaimers, liability limits, indemnification, disputes, and general terms.

29. Disclaimers

To the fullest extent permitted by law, the Service and all content, outputs, estimates, and features are provided “as is” and “as available.” The Camus Group disclaims all express, implied, and statutory warranties, including warranties of merchantability, fitness for a particular purpose, title, noninfringement, accuracy, quiet enjoyment, security, availability, and any warranty arising from course of dealing or usage of trade.

We do not warrant that the Service will be uninterrupted, error-free, secure, compatible with every device or accommodation, that defects or data loss will always be corrected, or that content will remain current or produce a particular result. You assume responsibility for your study decisions, official-source verification, device, connectivity, backups, and use of the Service.

Some jurisdictions do not allow certain disclaimers. In those jurisdictions, this Section applies only to the extent permitted, and any legally required warranty is limited to the shortest period allowed by law. Nothing in these Terms waives a right that cannot lawfully be waived.

30. Limitation of liability

To the fullest extent permitted by law, the Camus Group will not be liable for indirect, incidental, consequential, special, exemplary, enhanced, or punitive damages; loss of profits, revenue, opportunity, goodwill, use, or data; exam, licensing, education, employment, or professional outcomes; or the cost of substitute services, even if advised that such damages were possible.

To the fullest extent permitted by law, the Camus Group’s total aggregate liability arising out of or relating to the Service, an Order, or these Terms will not exceed the greater of (a) the amount you paid to the applicable Camus Group entity for the Service giving rise to the claim during the 12 months before the event giving rise to liability or (b) one hundred U.S. dollars (US $100).

These limits apply to all theories of liability and even if a remedy fails of its essential purpose. They do not apply to liability that cannot be limited under applicable law. Each Camus Group member may enforce this Section, but amounts are not multiplied by the number of claims, users, Orders, theories, or protected parties.

31. Indemnification

To the extent permitted by law, you will defend, indemnify, and hold harmless the Camus Group from third-party claims, damages, judgments, penalties, and reasonable costs, including attorneys’ fees, arising from: (a) your User Content; (b) your unlawful, fraudulent, or unauthorized use of the Service; (c) your material breach of Sections 7, 20, or 21; (d) your infringement or violation of another person’s rights; or (e) if you are an organization, your rosters, instructions, reporting, regulatory duties, or acts and omissions involving sponsored users.

We will provide reasonable notice of a covered claim and may control the defense and settlement with counsel of our choice. You will reasonably cooperate. We will not settle a claim in a way that admits your personal wrongdoing or imposes a nonmonetary obligation on you without your consent, not to be unreasonably withheld. This obligation does not apply to the extent a claim results from the indemnified party’s gross negligence, willful misconduct, or breach of these Terms.

32. Required informal dispute resolution

Before starting arbitration or a lawsuit other than an eligible small-claims case or a request for urgent injunctive relief, the claimant must send an individualized written Notice of Dispute. A notice to us must be emailed to contact@meridianbx.com with the subject “Notice of Dispute” or mailed to the address in Section 39. We will send a notice to your account email or mailing address.

The notice must include the claimant’s name, account email, contact information, a detailed description of the facts and legal basis, the specific relief requested and calculation of any monetary demand, and the claimant’s personal signature. For 60 days after a complete notice is received, the parties will try in good faith to resolve the dispute and will participate in an individualized telephone or video conference if either party requests one. A representative may attend, but the claimant must also participate.

This process applies only to the extent permitted by law and the applicable arbitration rules. Any limitations period will be tolled to the extent permitted by law while the parties complete the 60-day process. It does not prevent a timely filing needed to preserve a claim, a privacy-rights request, a report to a regulator, or an application for a remedy that cannot lawfully be restricted. Fees or costs may be awarded only as permitted by applicable law and arbitration rules.

33. Binding individual arbitration and class-action waiver

Disputes covered

“Dispute” means any claim or controversy between you and any Camus Group member arising out of or relating to the Service, an Order, communications, these Terms, or the relationship between the parties, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether arising before or after you accepted these Terms. The Federal Arbitration Act governs the interpretation and enforcement of this Section.

Exceptions

Either party may bring an individual action in an eligible small-claims court. Either party may seek temporary or preliminary injunctive relief in a court of competent jurisdiction to protect intellectual property, account security, confidential information, or against unauthorized access, malicious interference, or imminent harm while arbitration is pending. Government agencies may exercise authority provided by law.

Administrator, rules, and filing

After Section 32 is completed, arbitration will be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules and, when applicable, its Mass Arbitration Supplementary Rules, as modified by these Terms. The current rules and filing information are available at adr.org or 1-800-778-7879. A party initiating arbitration must submit the required demand to AAA and send a copy to the other party.

There will be one neutral arbitrator. The arbitration may proceed by documents, telephone, or video unless an in-person hearing is required by the rules or the arbitrator. An in-person consumer hearing will take place in the county where you live unless the parties agree otherwise. The arbitrator may award the same individualized remedies a court could award, including attorneys’ fees where authorized by law, but may award relief only to the individual claimant and only as necessary to resolve that claimant’s Dispute.

Fees

AAA fees and arbitrator compensation will be allocated under the applicable AAA rules and fee schedule. We will pay amounts the rules require a business to pay. Each party pays its own attorneys’ fees unless an applicable law, rule, or award provides otherwise. The arbitrator may shift fees or costs where a claim, defense, or filing was made in bad faith, for harassment, or was patently frivolous, to the extent permitted by the rules and law.

Individual relief only

The arbitrator may not consolidate more than one person’s claims, conduct a class or representative proceeding, or award relief for anyone other than the individual claimant unless all parties agree in writing or applicable law requires otherwise. Nothing in these Terms waives a right to seek public injunctive relief where that right cannot lawfully be waived. If a final decision holds a limitation unenforceable for a particular claim or remedy, that claim or remedy may proceed in a court of competent jurisdiction; any stay is subject to applicable law and court order. The remainder of this Section remains enforceable to the extent permitted by law.

Coordinated and mass filings

Where AAA determines that its Mass Arbitration Supplementary Rules apply, those rules and the applicable fee schedule govern coordinated filings. The parties will cooperate with the procedures required by AAA without adding contractual batching requirements or delaying a claim beyond what the rules and law permit. This paragraph does not authorize class arbitration.

If AAA is unavailable

If AAA declines administration because we fail to comply with its rules, fee obligations, or consumer standards, you may elect to bring the Dispute in a court with jurisdiction. Otherwise, if AAA is unavailable and the parties cannot agree on a replacement, a court may appoint an arbitrator under 9 U.S.C. § 5, subject to applicable law and consumer due-process protections. If arbitration cannot lawfully proceed, Section 34 governs the court proceeding.

Thirty-day right to opt out

You may opt out of this arbitration agreement by sending an email to contact@meridianbx.com with the subject “Arbitration Opt-Out” within 30 days after you first accept these Terms. Include your full name, account email, mailing address, and a clear statement that you opt out. You must personally send the notice; a mass or group opt-out is ineffective. Opting out will not affect any other provision or your access to the Service. If we materially change this Section, you may reject that change within 30 days after notice using the same method; the last arbitration terms you accepted will then govern.

34. Governing law and courts

North Carolina law governs these Terms and any Dispute, without regard to conflict-of-law principles, except that the Federal Arbitration Act governs Section 33. This choice does not deprive a consumer of a non-waivable protection of the law of the consumer’s state or country of residence.

For a claim not subject to arbitration or small-claims court, you and Camus consent to the exclusive personal jurisdiction and venue of the state courts located in Mecklenburg County, North Carolina, and the United States District Court for the Western District of North Carolina. Each party waives objections based on venue or inconvenient forum, except where applicable law gives a consumer a non-waivable right to bring a claim elsewhere.

35. Changes to these Terms

We may update these Terms prospectively to reflect changes in the Service, law, security, business operations, or risk. The effective date identifies the current version. For a material change, we will provide legally required notice and, where required, obtain renewed acceptance. Unless law requires a different result, continued use after the effective date constitutes acceptance.

A change does not retroactively alter the rules governing a Dispute for which a complete Notice of Dispute was received before the change. If you do not agree to an update, you must stop using the Service and cancel future renewals. Changes to an active paid Order will not take effect during its prepaid term if the change would materially reduce the purchased benefit, unless we provide a legally sufficient remedy.

36. General terms

Entire agreement. These Terms, the Privacy Notice, applicable Order, supplemental terms, promotion rules, and any signed agreement are the entire agreement concerning the Service and replace prior discussions on the same subject.

Assignment. You may not assign these Terms or an account without our written consent. We may assign these Terms in connection with a reorganization, financing, merger, acquisition, sale of assets, or transfer of the applicable Service, provided the assignee assumes the applicable obligations. An unauthorized assignment is void.

Force majeure. Neither party is liable for delay or failure caused by events beyond reasonable control, including internet or provider outages, natural disaster, epidemic, labor disruption, war, terrorism, civil disorder, government action, utility failure, or cyberattack, except that this does not excuse payment already due.

Severability and waiver. If a provision is unenforceable, it will be enforced to the maximum lawful extent and the remainder stays effective, subject to the specific severability rule in Section 33. Failure to enforce a provision is not a waiver. A waiver must be written and signed by the waiving party.

No agency or third-party beneficiaries. These Terms do not create a partnership, joint venture, employment, fiduciary, franchise, or agency relationship. Camus Group members are intended third-party beneficiaries of provisions that protect or benefit them. No other person is a third-party beneficiary.

Interpretation. “Including” means “including without limitation.” Headings are for convenience. The English version controls to the extent permitted by law. A rule construing ambiguity against the drafter does not apply to the extent it can lawfully be waived.

37. Notice for California users

Under California Civil Code § 1789.3, California users may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Boulevard, Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210 or (916) 445-1254. The provider’s contact information appears in Section 39. Charges for the Service are disclosed before purchase.

38. Legal notices

Notices from us may be sent to your account email, posted in the Service, or delivered by another method permitted by law. They are effective when sent or posted unless the notice states otherwise. You are responsible for keeping your account email current.

A legal notice to us must identify the sender and account, describe the matter with reasonable detail, and be sent to the email or mailing address below. Copyright notices, dispute notices, arbitration opt-outs, subpoenas, and other legal process must also follow any content, subject-line, delivery, or service requirements stated in these Terms or applicable law.

39. Contact information