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Terms and Condition

The use of “we, us, our, and company” refer to LCF Innovative Solutions.

Effective Date: Friday, 22 August 2025

1. Agreement to Terms

The LCF Innovative Solutions website (the “Site”) is comprised of various web pages operated by LCF Innovative Solutions,
which may include third-party sites used to manage our communities. Our products and services are offered to you conditioned
on your acceptance without modification of the terms, conditions, and notices contained herein (the “Terms”).
By using our website, products, or services, you agree to these Terms.

2. Privacy

Your use of our Site is subject to our Privacy Policy, which also governs how we collect, store, and use your data.

3. Electronic Communications

By visiting our Site or sending us emails, you consent to receive electronic communications. You agree that all agreements,
notices, disclosures, and other communications provided electronically—via email or through the Site—satisfy any legal requirement
that such communications be in writing.

4. Your Account

  • You are responsible for maintaining the confidentiality of your account and password.
  • You are responsible for all activities under your account.
  • You may not transfer your account to any other person or entity.
  • LCF Innovative Solutions reserves the right to refuse or cancel service, terminate accounts, or remove/edit content at its sole discretion.

5. Children Under Thirteen

LCF Innovative Solutions does not knowingly collect personal information from anyone under 13. If you are under 18, you may use the Site only with a parent or guardian’s permission.

6. Cancellation & Refund Policy

Please refer to our Cancellation/Refund Policy for updated terms regarding cancellations and refunds.

7. Links to Third-Party Sites

Our Site may include links to other websites (“Linked Sites”). LCF Innovative Solutions is not responsible for the content, policies,
or practices of Linked Sites. Inclusion of any link does not imply endorsement by LCF Innovative Solutions.

8. Intellectual Property

All content on the Site—including text, graphics, logos, images, software, and designs—is the property of LCF Innovative Solutions or its suppliers.
You may not:

  • Copy, modify, republish, or sell our content.
  • Use it for unauthorized commercial purposes.
  • Remove copyright or ownership notices.

You are granted a limited, revocable, non-transferable license to use the Site for personal purposes only.

9. Communication Services

The Site may contain forums, chat areas, message boards, communities, or similar features (“Communication Services”). You agree to use them responsibly and will not:

  • Harass, threaten, or defame others.
  • Upload viruses or malicious software.
  • Post unlawful, obscene, or infringing material.
  • Advertise or solicit without authorization.

LCF Innovative Solutions reserves the right to monitor and remove any inappropriate material at its sole discretion.

10. User Submissions

Any feedback, suggestions, or content you submit (“Submissions”) remain yours, but you grant LCF Innovative Solutions a worldwide, royalty-free
license to use, reproduce, and distribute your Submissions in connection with our services.

11. International Users

If you access the Site outside of the USA, you are responsible for compliance with local laws.

12. Indemnification

You agree to indemnify and hold LCF Innovative Solutions, its officers, employees, and affiliates harmless from any claims, losses, or expenses
(including legal fees) arising from your use of the Site or violation of these Terms.

13. Arbitration & Dispute Resolution

Disputes shall be resolved through final and binding arbitration under the Federal Arbitration Act, administered by the American Arbitration Association,
unless otherwise agreed by both parties.

  • Arbitration will be conducted near LCF Innovative Solutions headquarters.
  • The arbitrator’s decision will be final and binding.
  • Class actions and collective claims are not permitted.

14. Changes to Terms

LCF Innovative Solutions reserves the right to update or change these Terms at any time. We will notify users of significant changes by placing a notice on our website.
Continued use of our Site after changes means you agree to the revised Terms.

15. Contact Information

LCF Innovative Solutions welcomes your questions or comments regarding these Terms. Please contact us via the contact page on our website.