Terms and Conditions

Terms and Conditions for MyTrafficCase MYTRAFFICCASE TERMS AND CONDITIONS Last updated: [April 3, 2026] PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. These Terms and Conditions (“Terms”) form a legally binding agreement between CDL Protect Inc., a Connecticut corporation, with a principal address at 157 Church Street, 19th Floor, New Haven, Connecticut 06510 (“CDL Protect,” “Company,” “we,” “us,” or “our”), and each person or entity that accesses or uses MyTrafficCase or any related website, platform, portal, dashboard, software, mobile interface, application programming interface, payment page, intake form, communication channel, or related services made available by or on behalf of CDL Protect (collectively, the “Platform”). THESE TERMS INCLUDE, AMONG OTHER THINGS, DISCLAIMERS OF WARRANTIES, LIMITATIONS OF LIABILITY, A RELEASE OF CLAIMS, AN INDEMNIFICATION OBLIGATION, A BINDING ARBITRATION AGREEMENT, A CLASS ACTION WAIVER, AND A JURY TRIAL WAIVER. By creating an account, submitting information, uploading documents, initiating or accepting a case, making or attempting a payment, onboarding as an attorney or firm, using any part of the Platform, or otherwise manifesting assent electronically or through conduct, you agree to be bound by these Terms. If you do not agree, you must not use the Platform. 1. Eligibility and Authority You represent and warrant that: You are at least eighteen (18) years old and legally competent to enter into these Terms. If you are acting for a business, law firm, fleet, carrier, employer, broker, or other entity, you have full authority to bind that entity. All information you submit to the Platform is true, accurate, current, complete, and not misleading. Your use of the Platform does not violate any law, regulation, court order, contractual restriction, professional rule, or third-party right. If you use the Platform on behalf of an entity, “you” includes both you and that entity, and you are jointly and severally liable for all obligations under these Terms. 2. Definitions For purposes of these Terms: “Attorney User” means any attorney, law firm, legal professional, or legal-services organization using the Platform. “Client User” means any driver, motorist, individual, or other end user seeking or receiving services through or in connection with the Platform. “Fleet User” means any fleet, employer, carrier, transportation company, dispatcher, broker, administrator, or related entity using the Platform in connection with one or more drivers, workers, or matters. “User Content” means any information, data, document, image, communication, payment data, citation, case record, court information, status, billing information, or other content submitted to, through, or in connection with the Platform. “Platform Fees” means fees charged by CDL Protect for access to or use of the Platform or related administrative, technology, intake, workflow, communication, payment-facilitation, or support services. “Released Parties” means CDL Protect and its current and former direct and indirect parents, subsidiaries, affiliates, owners, shareholders, members, officers, directors, managers, employees, contractors, licensors, vendors, payment processors, service providers, agents, representatives, successors, assigns, and insurers. 3. Nature of the Platform The Platform is a private technology and administrative service. The Platform may include, without limitation, case-intake tools, matter dashboards, queues, status tracking, document collection, communications tools, calendaring displays, hearing or event displays, notifications, fleet or employer workflow tools, billing pages, payment facilitation, and related support functions. 3.1 No Legal Services by CDL Protect CDL Protect is not a law firm, attorney, legal aid organization, public defender, court, prosecutor, law-enforcement agency, insurer, regulator, escrow company, trustee, fiduciary, or government body. CDL Protect does not practice law, does not provide legal advice, does not provide legal opinions, does not make strategic legal decisions, does not appear in court for users, and does not guarantee any result, dismissal, reduction, settlement, or other outcome. 3.2 No Recommendation or Guarantee CDL Protect does not warrant, endorse, recommend, guarantee, insure, supervise, or assume responsibility for any attorney, law firm, legal strategy, court filing, appearance, communication, or case outcome. Any attorney availability, case acceptance, fee arrangement, quality of representation, timeliness, diligence, competence, ethics, licensing status, malpractice coverage, jurisdictional authority, or performance is outside CDL Protect’s control. 4. No Attorney-Client Relationship with CDL Protect Your use of the Platform does not create an attorney-client relationship with CDL Protect. If a Client User engages an Attorney User, any attorney-client relationship exists solely between that Client User and that Attorney User under their separate agreement, if any. CDL Protect is not a party to that relationship, is not co-counsel, is not associated counsel, is not a legal-services provider, and assumes no duty arising out of that relationship. CDL Protect does not control and shall not be deemed to control an attorney’s professional judgment, legal strategy, advice, communications, staffing, deadlines, filings, appearances, negotiations, settlement decisions, trial conduct, appellate decisions, or billing decisions. 5. Attorneys Are Independent; CDL Protect Is Not Responsible for Attorney Conduct or Case Outcomes Each Attorney User is an independent professional and not an employee, partner, joint venturer, franchisee, subcontractor, or agent of CDL Protect. To the maximum extent permitted by law, CDL Protect is not liable for and expressly disclaims responsibility for: Any attorney negligence, malpractice, misconduct, omission, missed deadline, conflict of interest, ethics violation, trust-account issue, document error, filing error, court appearance issue, advice, non-advice, communication failure, or breach of duty. Any dismissal, conviction, fine, suspension, disqualification, license consequence, insurance consequence, employment consequence, immigration consequence, or other case-related or collateral consequence. Any dispute between a client and an attorney, including fee disputes, refund disputes, quality-of-service disputes, communication disputes, malpractice claims, or disputes regarding instructions, strategy, or settlement. Any failure by an attorney to accept, pursue, complete, or properly manage a matter. You agree that any claim arising out of legal representation, attorney conduct, attorney billing, or case handling belongs, if at all, solely against the responsible attorney or law firm and not against CDL Protect, except to the limited extent a non-waivable law expressly provides otherwise. 6. No Guarantee of Accuracy, Completeness, Timeliness, or Delivery The Platform may display, store, route, or transmit case information, status updates, hearings, dates, venues, citations, charges, payment information, notifications, tasks, queues, or communications. Such information may be delayed, incomplete, inaccurate, duplicated, corrupted, omitted, misrouted, or unavailable. You acknowledge and agree that: The Platform is not the official source of any court date, hearing, filing deadline, citation data, charge, docket, venue, or legal obligation. You must independently verify all dates, deadlines, court requirements, legal obligations, attorney instructions, and payment obligations with the applicable attorney, court, agency, or other responsible source. Notifications, emails, texts, dashboard alerts, or reminders may not be sent, received, seen, or acted upon in time, or at all. CDL Protect has no duty to monitor, calculate, or warn of deadlines, appearances, statutes, hearings, response dates, filing dates, or appeal periods. Use of the Platform as your sole source of legal, court, or timing information is entirely at your own risk. 7. Accounts, Credentials, and Security You may be required to create an account or use credentials to access parts of the Platform. You are solely responsible for: maintaining the confidentiality of your login credentials; restricting access to your devices and accounts; all activities that occur under your account, whether or not authorized by you; promptly notifying CDL Protect of any suspected unauthorized access, breach, compromise, or misuse. CDL Protect may rely on any instruction, action, assent, submission, payment authorization, communication, or case activity associated with your account and has no obligation to independently verify identity, authority, or authenticity. 8. User Content; Authority to Submit Data; License You represent and warrant that you have all rights, authorizations, notices, and consents necessary to submit, upload, transmit, store, disclose, process, and use all User Content and personal data you provide through the Platform. You grant CDL Protect and its service providers a worldwide, non-exclusive, royalty-free, sublicensable license to host, reproduce, process, transmit, store, format, convert, route, display, analyze, index, and otherwise use User Content as reasonably necessary to operate, secure, maintain, improve, support, audit, and enforce the Platform and these Terms. You further authorize CDL Protect to disclose User Content and related data: to attorneys, law firms, Client Users, Fleet Users, administrators, and other users consistent with Platform functionality; to payment processors, cloud providers, communication vendors, and service providers; when required or requested by subpoena, court order, law, regulation, government request, or legal process; to protect rights, safety, property, security, or integrity of the Platform, CDL Protect, users, or third parties; in connection with any merger, acquisition, financing, restructuring, sale of assets, or similar transaction. CDL Protect may also use aggregated, anonymized, or de-identified data for analytics, security, operations, benchmarking, machine-assisted processing, quality assurance, service development, or any lawful business purpose. 9. No Privilege or Confidentiality Guarantee as to CDL Protect Communications with CDL Protect are not legal advice and are not attorney-client communications with CDL Protect. Whether communications with an Attorney User that occur through or in connection with the Platform are privileged, protected, confidential, or discoverable depends on applicable law and facts beyond CDL Protect’s control. CDL Protect makes no representation, warranty, or guarantee that any communication or data on or through the Platform is protected by attorney-client privilege, work-product doctrine, common-interest doctrine, confidentiality law, or immunity from disclosure, subpoena, or discovery. You are solely responsible for consulting your own attorney regarding privilege and confidentiality. 10. Data Security; No Security Warranty; Data Loss and Breach Disclaimer You acknowledge that no website, platform, server, database, processor, vendor, network, or transmission method is completely secure. TO THE MAXIMUM EXTENT PERMITTED BY LAW, CDL PROTECT DOES NOT WARRANT THAT THE PLATFORM OR ANY DATA, COMMUNICATION, DOCUMENT, OR PAYMENT FLOW WILL BE SECURE, ERROR-FREE, UNINTERRUPTED, IMMUNE FROM MALICIOUS CODE, OR FREE FROM UNAUTHORIZED ACCESS, LEAKAGE, DISCLOSURE, THEFT, ENCRYPTION, RANSOMWARE, CORRUPTION, DELETION, LOSS, ALTERATION, MISDELIVERY, OR MISUSE. TO THE MAXIMUM EXTENT PERMITTED BY LAW, CDL PROTECT SHALL NOT BE LIABLE FOR ANY SECURITY INCIDENT, DATA LEAK, DATA BREACH, CYBERATTACK, UNAUTHORIZED ACCESS, OR LOSS OF DATA, WHETHER CAUSED BY THIRD PARTIES, SERVICE PROVIDERS, USER ERROR, INSIDER ACTIONS, INTERNET FAILURE, PAYMENT PROCESSOR ISSUES, DEVICE COMPROMISE, OR OTHER CAUSES. You are solely responsible for maintaining your own backups, endpoint security, password hygiene, device security, and secure transmission practices. 11. Payments; Stripe; Platform Fees; Allocation of Fees 11.1 Stripe The Platform uses Stripe or one or more third-party payment processors to facilitate payments. By making or authorizing a payment, you also agree to comply with the applicable payment processor’s terms, privacy policies, and processing requirements. CDL Protect is not responsible for any act, omission, outage, hold, reserve, delay, reversal, chargeback handling, fraud screening decision, or failure of Stripe or any other payment processor, bank, card network, or financial institution. 11.2 Platform Fees CDL Protect may charge Platform Fees, including recurring, transaction-based, per-case, pass-through, administrative, support, convenience, payment-related, dispute-related, or other fees, as disclosed by CDL Protect from time to time. 11.3 Attorney Election Regarding Platform Fees and Payment-Related Fees Where enabled by the Platform, an Attorney User may elect whether certain Platform Fees and/or payment-related fees are borne by the attorney, law firm, Client User, Fleet User, or another payor. Any such allocation is subject to applicable law, payment-network rules, ethics rules, and required disclosures. CDL Protect does not provide legal advice regarding the legality, ethics, disclosure, reasonableness, or enforceability of any fee charged or passed through by an attorney to a client. Each Attorney User is solely responsible for determining whether any fee, surcharge, processing fee, convenience fee, cost recovery, pass-through fee, or similar charge may lawfully and ethically be charged to a client, and for making all required disclosures and obtaining any required consent. 11.4 No Fee-Sharing Authorization Any amount paid to CDL Protect is paid solely for technology, intake, workflow, administrative, support, and payment-facilitation services provided by CDL Protect, and not for legal services. Nothing in these Terms authorizes fee sharing that is prohibited by law or professional rule. 11.5 Payment Authorization By submitting payment information, you authorize CDL Protect, Stripe, and applicable processors to charge your selected payment method for all amounts due, including Platform Fees, taxes, dispute fees, chargeback costs, collections costs, and other properly disclosed amounts. 11.6 Finality; No Refund Right Except as Required by Law Except as expressly required by non-waivable law or expressly approved by CDL Protect in writing, all payments are final and non-refundable. 11.7 Chargebacks and Payment Disputes If you initiate a chargeback, reversal, retrieval request, payment dispute, or similar action, CDL Protect may suspend access, recover its costs, collect any unpaid amount, offset any amount owed, report the matter to relevant processors, and pursue all lawful remedies. CDL Protect has no obligation to resolve underlying disputes between Client Users and Attorney Users and may rely conclusively on Platform records, payment authorizations, checkout disclosures, attorney elections, and system logs. 11.8 Taxes You are responsible for all taxes, duties, levies, assessments, and similar charges arising from your use of the Platform or payments made through the Platform, excluding taxes based solely on CDL Protect’s net income. 11.9 No Escrow, Trust Account, or Fiduciary Role Unless CDL Protect expressly signs a separate written agreement stating otherwise, the Platform is not an escrow service, trust account, IOLTA, fiduciary arrangement, or custodial legal-funds service. CDL Protect does not undertake trust-account duties or attorney-funds handling duties. 12. Attorney User Additional Terms If you are an Attorney User, you further agree that: You are solely responsible for maintaining all licenses, admissions, permissions, malpractice coverage, trust-account compliance, and professional compliance required for your practice. You are solely responsible for all legal advice, deadlines, appearances, filings, litigation decisions, negotiations, settlements, fee agreements, disclosures, and client communications. You will comply with all applicable rules of professional conduct, court rules, ethics rules, billing rules, and confidentiality obligations. You will use the Platform as a tool only and will not permit the Platform or CDL Protect to direct or control your professional judgment. You are solely responsible for your choice to use any outside service provider, including the Platform, in connection with client matters. You will enter into your own separate attorney-client engagement agreement where required. You will not represent, imply, or state that CDL Protect is your law firm, co-counsel, legal partner, or guarantor of your services. You will defend, indemnify, and hold harmless the Released Parties from any claim arising out of or relating to your representation, non-representation, billing, trust accounting, ethics compliance, fees, expenses, surcharge practices, legal advice, filings, deadlines, or case handling. 13. Client User Additional Terms If you are a Client User, you further agree that: You are solely responsible for choosing whether to engage any attorney. You understand that CDL Protect does not guarantee that any attorney is competent, available, licensed in the relevant jurisdiction, conflict-free, cost-effective, or suitable for your matter. You remain responsible for verifying court dates, legal obligations, case status, and payment obligations unless your attorney expressly assumes those responsibilities in writing. Any fee dispute, malpractice claim, billing complaint, refund request, or quality-of-service dispute relating to legal services is solely between you and the responsible attorney or law firm. CDL Protect may display, transmit, or facilitate attorney-provided or user-provided information without adopting or guaranteeing it. 14. Fleet User Additional Terms If you are a Fleet User, you further agree that: You have obtained all necessary authority, notice, and consent to submit driver or worker information and to receive updates or communications concerning those matters. You are solely responsible for any employment, contracting, insurance, disciplinary, operational, or compliance decision you make based on information obtained through the Platform. CDL Protect does not guarantee the accuracy, timeliness, or completeness of any driver-, case-, or attorney-related information. CDL Protect is not responsible for any employment-related, labor-related, insurance-related, or commercial consequences arising from your use of the Platform. 15. Prohibited Uses You may not: use the Platform for unlawful, fraudulent, abusive, deceptive, harassing, or unauthorized purposes; upload malicious code, malware, ransomware, spyware, or harmful content; interfere with Platform security, availability, or integrity; scrape, spider, copy, mirror, reverse engineer, decompile, disassemble, or extract source code, except where non-waivable law expressly permits; impersonate another person or entity; submit false, misleading, unauthorized, or infringing content; use the Platform to violate privacy, court rules, ethics rules, payment rules, or data-protection laws; circumvent fee mechanisms, access controls, or security measures. CDL Protect may investigate violations and may cooperate with law enforcement, regulators, courts, payment processors, or other third parties. 16. Intellectual Property The Platform, including all software, content, design, layout, branding, text, graphics, code, workflows, compilations, interfaces, databases, and related technology, is owned by CDL Protect or its licensors and is protected by intellectual-property and other laws. Subject to these Terms, CDL Protect grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Platform solely for its intended purposes. No right, title, or interest in the Platform is transferred to you. 17. Third-Party Services The Platform may depend on third-party services, providers, integrations, hosting, communication channels, mapping tools, analytics tools, identity services, payment processors, cloud storage, email providers, SMS providers, or other vendors. CDL Protect does not control and is not responsible for third-party services, their performance, their security, their uptime, their terms, their compliance, or their handling of data, funds, or communications. Your dealings with third parties are solely between you and the relevant third party. 18. Suspension, Removal, and Termination CDL Protect may, at any time and for any reason or no reason, with or without notice and without liability: suspend, restrict, or terminate your account or access; reject, remove, or disable any User Content; refuse, cancel, or delay any payment flow; investigate activity; preserve logs, records, or evidence; take any action CDL Protect deems necessary to protect the Platform, users, third parties, or itself. Upon termination, your rights to use the Platform cease immediately, but all provisions that by their nature should survive will survive, including payment obligations, disclaimers, releases, limitations of liability, indemnities, dispute terms, and intellectual-property provisions. 19. DISCLAIMER OF WARRANTIES THE PLATFORM IS PROVIDED “AS IS,” “AS AVAILABLE,” AND “WITH ALL FAULTS.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE RELEASED PARTIES DISCLAIM ALL WARRANTIES, REPRESENTATIONS, CONDITIONS, AND GUARANTEES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, SYSTEM INTEGRATION, ACCURACY, COMPLETENESS, RELIABILITY, SECURITY, AVAILABILITY, QUALITY, TIMELINESS, PRIVILEGE, CONFIDENTIALITY, OR RESULTS. WITHOUT LIMITING THE FOREGOING, THE RELEASED PARTIES DO NOT WARRANT THAT: THE PLATFORM WILL BE AVAILABLE, SECURE, ACCURATE, COMPLETE, OR ERROR-FREE; ANY ATTORNEY OR LAW FIRM WILL ACCEPT, HANDLE, OR COMPLETE ANY MATTER; ANY MATTER WILL BE DISMISSED, REDUCED, SETTLED FAVORABLY, OR OTHERWISE RESOLVED IN ANY PARTICULAR WAY; ANY DATA, STATUS, HEARING, ALERT, PAYMENT, OR COMMUNICATION WILL BE CORRECT OR TIMELY; ANY PAYMENT WILL CLEAR, SETTLE, OR BE FREE FROM REVERSAL OR DISPUTE; ANY COMMUNICATION WILL BE DELIVERED OR RECEIVED; THE PLATFORM OR ANY SERVER, DATABASE, OR FILE WILL BE FREE OF MALICIOUS CODE OR UNAUTHORIZED ACCESS. 20. EXPRESS RELEASE OF CLAIMS TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU HEREBY IRREVOCABLY RELEASE, WAIVE, ACQUIT, AND FOREVER DISCHARGE THE RELEASED PARTIES FROM ANY AND ALL CLAIMS, DEMANDS, ACTIONS, CAUSES OF ACTION, LOSSES, DAMAGES, COSTS, LIABILITIES, FINES, PENALTIES, EXPENSES, AND DISPUTES OF EVERY KIND, KNOWN OR UNKNOWN, SUSPECTED OR UNSUSPECTED, MATURED OR UNMATURED, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, STRICT LIABILITY, EQUITY, OR OTHERWISE, ARISING OUT OF OR RELATING TO: ANY ATTORNEY’S OR LAW FIRM’S ACTS, OMISSIONS, ADVICE, NON-ADVICE, BILLING, TRUST ACCOUNTING, FILINGS, APPEARANCES, MISCONDUCT, NEGLIGENCE, MALPRACTICE, OR MISHANDLING OF A MATTER; ANY CASE RESULT, COURT RESULT, DISPUTE, SETTLEMENT, DISMISSAL, CONVICTION, FINE, PENALTY, LICENSE CONSEQUENCE, EMPLOYMENT CONSEQUENCE, OR OTHER LEGAL OR COLLATERAL CONSEQUENCE; ANY DATA LEAK, DATA BREACH, CYBERATTACK, DATA LOSS, COMMUNICATION FAILURE, OR UNAUTHORIZED ACCESS; ANY INACCURACY, DELAY, NONDELIVERY, MISROUTING, MISDISPLAY, OR LOSS OF CASE DATA, STATUS DATA, HEARING DATA, OR PAYMENT DATA; ANY DISPUTE BETWEEN A CLIENT USER AND AN ATTORNEY USER OR BETWEEN ANY USER AND A THIRD PARTY; YOUR RELIANCE ON THE PLATFORM OR ON INFORMATION DISPLAYED, STORED, OR TRANSMITTED THROUGH THE PLATFORM. THIS RELEASE IS INTENDED TO BE AS BROAD AS THE LAW ALLOWS. IF APPLICABLE LAW DOES NOT ALLOW ANY PORTION OF THIS RELEASE, THAT PORTION SHALL BE LIMITED ONLY TO THE MINIMUM EXTENT NECESSARY. 21. LIMITATION OF LIABILITY TO THE MAXIMUM EXTENT PERMITTED BY LAW: THE RELEASED PARTIES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, ENHANCED, CONSEQUENTIAL, OR MULTIPLE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, DATA, GOODWILL, USE, OPPORTUNITY, CLAIM VALUE, CASE VALUE, LICENSE VALUE, EMPLOYMENT VALUE, OR REPUTATIONAL HARM. THE RELEASED PARTIES SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING OUT OF OR RELATING TO ATTORNEY CONDUCT, LEGAL REPRESENTATION, COURT OUTCOMES, MISSED DEADLINES, BILLING DISPUTES, DATA INCIDENTS, PAYMENT FAILURES, OR THIRD-PARTY SERVICE FAILURES. THE AGGREGATE LIABILITY OF THE RELEASED PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE PLATFORM OR THESE TERMS SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL PLATFORM FEES ACTUALLY PAID BY THE CLAIMANT DIRECTLY TO CDL PROTECT IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS (US $100). THE FOREGOING LIMITATIONS APPLY REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE OR ANY RELEASED PARTY WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTHING IN THESE TERMS EXCLUDES LIABILITY TO THE EXTENT SUCH EXCLUSION IS PROHIBITED BY NON-WAIVABLE LAW. 22. Indemnification You agree to defend, indemnify, and hold harmless the Released Parties from and against any and all claims, demands, suits, investigations, proceedings, liabilities, damages, losses, judgments, settlements, fines, penalties, costs, and expenses, including reasonable attorneys’ fees and costs, arising out of or relating to: your access to or use of the Platform; your User Content; your breach of these Terms; your violation of law, court rule, ethics rule, payment rule, privacy obligation, or third-party right; any dispute between you and any attorney, client, fleet, driver, employer, court, agency, processor, or third party; any fee charged, collected, allocated, passed through, disputed, reversed, or refunded in connection with a matter; any allegation that User Content or your conduct caused harm, violated privacy, misrepresented facts, infringed rights, or created liability; any claim arising from legal representation, legal non-representation, malpractice, case handling, billing, trust accounting, deadlines, filings, or outcomes; any employment, insurance, regulatory, or commercial decision made by a Fleet User or other business user. CDL Protect may assume exclusive defense and control of any matter subject to indemnification, at your expense, and you agree to cooperate fully. 23. Claim Deadline TO THE MAXIMUM EXTENT PERMITTED BY LAW, ANY CLAIM OR CAUSE OF ACTION ARISING OUT OF OR RELATING TO THE PLATFORM OR THESE TERMS MUST BE FILED WITHIN ONE (1) YEAR AFTER THE CLAIM OR CAUSE OF ACTION AROSE, OR IT IS FOREVER BARRED. 24. Dispute Resolution; Binding Arbitration; Class Action Waiver 24.1 Scope Except as expressly excluded below, any dispute, claim, or controversy arising out of or relating to the Platform, these Terms, your relationship with CDL Protect, any payment to or through CDL Protect, or any alleged act or omission by CDL Protect or any Released Party (collectively, “Disputes”) shall be resolved exclusively by binding individual arbitration. This arbitration agreement shall be interpreted and enforced under the Federal Arbitration Act. 24.2 Excluded Matters The following are excluded from arbitration: claims that may be brought in small claims court if they remain within that court’s jurisdictional limits and proceed only on an individual basis; claims by CDL Protect seeking injunctive or equitable relief relating to intellectual property, confidential information, fraud, unauthorized access, abuse, or misuse of the Platform; disputes solely between a Client User and an Attorney User concerning legal representation, malpractice, or attorney billing, except to the extent such dispute also includes a claim against CDL Protect. 24.3 Informal Resolution Before commencing arbitration, the claimant must send a written notice of dispute describing the claim and requested relief to: CDL Protect Inc. Attn: Legal Notices 157 Church Street, 19th Floor New Haven, CT 06510 The parties shall attempt in good faith to resolve the matter informally for at least thirty (30) days after receipt of the notice. 24.4 Arbitration Rules and Forum If not resolved informally, the Dispute shall be resolved by the American Arbitration Association (“AAA”) under the AAA Consumer Arbitration Rules or Commercial Arbitration Rules, as applicable, as modified by these Terms. Unless the parties agree otherwise, arbitration shall take place in New Haven County, Connecticut, or by remote proceeding if permitted by the arbitrator or AAA. 24.5 Individual Relief Only; No Class Actions YOU AND CDL PROTECT AGREE THAT ALL DISPUTES MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY ONLY, AND NOT AS A PLAINTIFF, CLASS MEMBER, REPRESENTATIVE, PRIVATE ATTORNEY GENERAL, OR PARTICIPANT IN ANY CLASS, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE ACTION OR PROCEEDING. THE ARBITRATOR SHALL HAVE NO AUTHORITY TO HEAR OR DECIDE ANY CLASS, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE CLAIM OR TO AWARD RELIEF TO ANY PERSON OR ENTITY NOT A PARTY TO THE ARBITRATION. 24.6 Jury Trial Waiver TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND CDL PROTECT WAIVE ANY RIGHT TO A JURY TRIAL FOR ANY DISPUTE PERMITTED TO PROCEED IN COURT. 24.7 Arbitrator Authority The arbitrator shall have exclusive authority to resolve all Disputes, including threshold questions of arbitrability, scope, formation, validity, enforceability, and interpretation of this arbitration agreement, except that a court of competent jurisdiction shall decide any issue concerning the enforceability of the class action waiver. 24.8 Severability of Arbitration Terms If any part of this Section 24 is held unenforceable, that part shall be severed and the remainder enforced to the fullest extent permitted by law. If the class action waiver is held unenforceable as to any claim, that claim shall proceed exclusively in a court of competent jurisdiction in Connecticut, and not in arbitration. 25. Governing Law and Venue These Terms and any non-arbitrable dispute shall be governed by the laws of the State of Connecticut, without regard to conflict-of-law principles, except that the Federal Arbitration Act governs Section 24. Subject to Section 24, any action permitted to proceed in court shall be brought exclusively in the state or federal courts located in Connecticut, and each party irrevocably submits to that jurisdiction and venue. 26. Electronic Communications; Electronic Records; Electronic Signatures You agree that CDL Protect may provide notices, disclosures, records, updates, bills, receipts, authorizations, amendments, and other communications electronically, including through the Platform, email, text message, or other electronic means. You consent to transact electronically and agree that electronic records, electronic notices, electronic signatures, electronic checkboxes, click-through acceptances, electronic payment authorizations, electronic logs, and electronic confirmations have the same legal effect as paper records and handwritten signatures. You represent that you have the hardware, software, and ability necessary to receive, access, retain, and print electronic communications. You agree that your electronic assent, including by checkbox, click, digital signature, or comparable action, is intended to authenticate and bind you. 27. Changes to These Terms CDL Protect may modify these Terms at any time, in its sole discretion. Updated Terms may be posted on the Platform and may also be presented through a click-through or similar assent flow. Unless a different effective date is stated, revised Terms become effective when posted or when presented for assent. Your continued access to or use of the Platform after the effective date of revised Terms constitutes acceptance of the revised Terms. 28. Miscellaneous 28.1 Entire Agreement These Terms, together with any posted policies expressly incorporated by reference and any separate written agreement signed by CDL Protect, constitute the entire agreement between you and CDL Protect regarding the Platform. 28.2 No Waiver No waiver by CDL Protect is effective unless in writing. Failure to enforce any provision is not a waiver. 28.3 Severability If any provision of these Terms is held invalid, illegal, or unenforceable, the remaining provisions remain in effect, and the invalid provision shall be enforced to the maximum extent permitted. 28.4 Assignment You may not assign, transfer, delegate, or sublicense any rights or obligations under these Terms without CDL Protect’s prior written consent. CDL Protect may assign these Terms freely. 28.5 No Third-Party Beneficiaries Except for the Released Parties, who are intended third-party beneficiaries of the disclaimers, releases, limitations, and indemnities herein, no other person or entity shall have rights under these Terms. 28.6 Force Majeure CDL Protect is not liable for any delay, interruption, failure, or nonperformance caused by events beyond its reasonable control, including cyberattacks, outages, processor failures, banking failures, vendor failures, court closures, labor disruptions, weather, war, terrorism, governmental acts, public-health events, utility failures, internet failures, or force majeure events. 28.7 Interpretation These Terms shall be interpreted fairly and not strictly for or against any party based on authorship. 28.8 Contact Questions and legal notices should be sent to: CDL Protect Inc. 157 Church Street, 19th Floor New Haven, CT 06510