VeraVisa^® / Vera FAM^™

TERMS OF SERVICE

Last updated: August 23, 2025

TABLE OF CONTENTS

• 1. Who May Use the Site
• 2. Key Definitions (GDPR)
• 3. Your Account
• 4. Fees & Payment
• 5. Acceptable Use
• 6. Intellectual Property & License
• 7. User Content & Feedback
• 8. Mobile Apps
• 9. Third-Party Services
• 10. Government Use (U.S.)
• 11. Service Management & Changes
• 12. Privacy & Data Protection (GDPR-Aligned)
• 13. Your Privacy Rights (EEA/UK/Switzerland)
• 14. Electronic Communications & Signatures
• 15. Disclaimers (Education Only)
• 16. Limitation of Liability
• 17. Indemnification
• 18. Termination
• 19. Governing Law & Venue
• 20. California Users
• 21. Changes to These Terms
• 22. Miscellaneous
• 23. Contact

These Terms form a contract between Chesser & Asc., P.C. d/b/a VeraVisa® and Vera FAM™ ("VeraVisa", "Vera FAM", “we”, “us”, “our”) and you ("you" or "user") governing your use of veravisa.com and any related apps or services (the “Site” or “Services”). By using the Site, you agree to these Terms. If you don’t agree, do not use the Site.

We are registered in Tennessee, United States. Mailing address: 109 Hewitt Rd, Fountain Inn, SC 29644, USA.

Contact: chris@borderbrain.com

1. Who May Use the Site

• You must be 18 or older and have authority to accept these Terms.
• You must comply with all applicable laws. If you access the Site from outside the U.S., you do so at your own risk and are responsible for local compliance.

2. Key Definitions (GDPR)

• Personal Data: any information relating to an identified or identifiable person.
• Controller: the party that determines purposes and means of processing Personal Data (typically VeraVisa for end-user data).
• Processor: a party that processes Personal Data on behalf of a controller.
• Data Subject: an individual whose Personal Data is processed.

3. Your Account

You may need an account. Keep your credentials confidential; you’re responsible for activity under your account. We may reclaim usernames that are inappropriate.

4. Fees & Payment

• We accept various payment methods. Prices may change. Sales tax added when required. All amounts in USD.
• You authorize us to charge your selected payment method for due amounts. We may correct pricing errors even after payment. Orders may be refused.

Cancellations/Refunds. Subscriptions are non-refundable. You can cancel anytime; service continues through the current paid term. If you’re unhappy, we want to help, email chris@borderbrain.com.

5. Acceptable Use

Don’t misuse the Site. For example, you may not:

• Break laws; harm, harass, or defraud others; infringe IP or privacy rights.
• Probe, scan, or breach security; inject malware; overburden or disrupt the Site.
• Scrape or collect data without permission; impersonate others; create accounts by automated means.
• Copy, reverse engineer, or resell the Services except as allowed by law or these Terms.
• Use the Site to compete with us or for unsolicited marketing. We may monitor and enforce these rules and cooperate with law enforcement.

6. Intellectual Property & License

The Site, including content, software, and trademarks (the “Content”), is owned by or licensed to us and protected by IP laws. We grant you a limited, non-exclusive, non-transferable license to use the Site for personal, non-commercial use. Paid features are licensed for the period shown on your invoice (never exceeding one year unless renewed). We reserve all rights not expressly granted.

7. User Content & Feedback

If we enable uploads or submissions (“Contributions”):

• You retain ownership of your Contributions.
• You grant us a worldwide, royalty-free license to host, use, reproduce, and display them to operate/improve the Services.
• You promise you have rights to your Contributions and that they don’t violate law or others’ rights. Feedback you give us may be used without restriction or compensation.

8. Mobile Apps

If you install our app, we grant a revocable, non-transferable right to use it on your own iOS/Android device, subject to app-store rules. App distributors aren’t responsible for support or warranties beyond what law requires.

9. Third-Party Services

The Site may link to third-party sites/content. We don’t control or endorse them and aren’t responsible for their policies or actions. Your dealings with third parties are solely between you and them. Review their terms and privacy policies.

10. Government Use (U.S.)

Our Services are “commercial items” as defined in FAR 2.101. Use by or for the U.S. government is subject to these Terms and the applicable FAR/DFARS provisions for commercial computer software/data.

11. Service Management & Changes

We may change, suspend, or discontinue any part of the Site at any time; we may remove content that burdens our systems or violates these Terms. We try to keep the Site available but don’t guarantee uptime.

12. Privacy & Data Protection (GDPR-Aligned)

Privacy Policy. Our Privacy Policy (/privacy.html) explains what we collect, why, how long we keep it, with whom we share it, and your choices. It’s part of these Terms.

Lawful Bases. We process Personal Data only when a lawful basis applies, including:

• Contract (to provide the Services);
• Consent (e.g., marketing you opt into);
• Legal obligation (e.g., tax/recordkeeping);
• Legitimate interests (e.g., security, service improvement), balanced against your rights.

Roles. We’re the Controller for Personal Data about Site users. If we process Personal Data for a business customer on their instructions, we act as Processor and a separate Data Processing Agreement (DPA) will apply.

Processors/Sub-processors. We use vetted service providers under written contracts meeting GDPR Art. 28. They must protect Personal Data and act only on our instructions.

Security. We use appropriate technical and organizational measures to protect Personal Data. No system is 100% secure.

International Transfers. We may transfer Personal Data to the United States and other countries. Where required, we use Standard Contractual Clauses or other lawful transfer mechanisms and implement additional safeguards as appropriate.

Retention. We keep Personal Data only as long as necessary for the purposes described or as required by law. When no longer needed, we delete or anonymize it.

Nothing in these Terms limits your rights under applicable data-protection laws.

13. Your Privacy Rights (EEA/UK/Switzerland)

Where GDPR/UK GDPR applies, you may:

• Access your Personal Data;
• Correct inaccurate or incomplete data;
• Delete Personal Data (“right to be forgotten”);
• Restrict processing in certain cases;
• Object to processing, including direct marketing;
• Port data to another controller;
• Withdraw consent where processing is based on consent;
• Complain to a supervisory authority.

To exercise rights: email chris@borderbrain.com. We may verify your identity. You also have the right to contact your local data-protection authority.

14. Electronic Communications & Signatures

You consent to receive notices electronically and to transact electronically. Electronic records and signatures satisfy legal requirements for “in writing,” to the extent permitted by law.

15. Disclaimers (Education Only)

The Site is provided “as is” and for educational and entertainment purposes—we are not providing legal, accounting, or professional advice, and no attorney-client or fiduciary relationship is created. Use judgment and consult a qualified professional when needed.

To the fullest extent permitted by law, we disclaim warranties of merchantability, fitness for a particular purpose, and non-infringement; we don’t guarantee accuracy, availability, or that the Site is free of malware or errors.

16. Limitation of Liability

To the maximum extent permitted by law, we will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, data, or goodwill. Our total liability for all claims in any 6-month period will not exceed the amount you paid us for the Services in that period.

Carve-outs. Nothing excludes or limits liability for fraud, willful misconduct, death or personal injury caused by negligence, or breach of non-waivable statutory duties (including certain privacy/data-protection obligations). If applicable law (e.g., in the EEA/UK) prohibits limitations, those limits apply only to the extent allowed.

17. Indemnification

You will defend and hold us (and our affiliates, officers, agents, and employees) harmless from third-party claims arising from your illegal use of the Site, breach of these Terms, or infringement of others’ rights, except to the extent a claim is caused by our breach of law or these Terms. We may assume defense at your expense; you’ll reasonably cooperate.

18. Termination

We may suspend or terminate your account or access at any time for any reason, including violations of these Terms. You may stop using the Site at any time. Sections that by their nature should survive (e.g., IP, privacy, limits of liability) will survive.

19. Governing Law & Venue

These Terms are governed by South Carolina law (without regard to conflicts rules). Courts in South Carolina, USA will have jurisdiction and venue.

Consumers in the EEA/UK. Mandatory consumer protection laws of your country may apply, and you may bring proceedings in your local courts where required by law. Nothing here limits those rights.

Time limits. Any claim related to the Site must be filed within one (1) year after it arose, to the extent permitted by law.

20. California Users

Unresolved complaints may be directed to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs, 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834; (800) 952-5210 or (916) 445-1254.

21. Changes to These Terms

We may update these Terms from time to time. We’ll change the “Last updated” date when we do. Continued use of the Site after changes means you accept the revised Terms.

22. Miscellaneous

These Terms (plus policies referenced here, including the Privacy Policy) are the entire agreement. Headings are for convenience. If a provision is unenforceable, the rest remains in effect. Our failure to enforce is not a waiver. We may assign our rights/obligations. We aren’t liable for delays outside our reasonable control.

23. Contact