TERMS OF SERVICE

Welcome to ScriptureMate®, a service provided by What It Is, What It Do LLC ("Company," "we," "us," or "our"). These Terms govern your access to and use of the ScriptureMate website, mobile applications, and all related services (collectively, the "Service").

By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you may not access or use the Service.

We reserve the right to modify these Terms at any time at our sole discretion. We will notify you of material changes by posting the updated Terms on the Service with a new "Last Updated" date. Your continued use of the Service after such changes constitutes your acceptance of the modified Terms. It is your responsibility to review these Terms periodically.

You must be at least 13 years of age to use the Service. If you are between 13 and 18 years of age, you must have permission from a parent or legal guardian to use the Service, and they must agree to these Terms on your behalf.

By using the Service, you represent and warrant that you meet all eligibility requirements. If you do not meet these requirements, you must not access or use the Service.

To access certain features of the Service, you must create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password confidential and secure
• Notify us immediately of any unauthorized access to your account
• Accept full responsibility for all activities that occur under your account

We reserve the right to suspend or terminate accounts that violate these Terms or engage in suspicious activity, at our sole discretion, without prior notice or liability.

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree NOT to:

• Use the Service for any illegal purpose or to violate any laws
• Post, transmit, or distribute content that is harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Interfere with or disrupt the Service or servers or networks connected to the Service
• Attempt to gain unauthorized access to any part of the Service, other accounts, or computer systems
• Use any automated means, bots, scrapers, crawlers, or similar tools to access, extract data from, or interact with the Service without our express written permission
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service or any part thereof
• Collect or harvest any personally identifiable information from the Service
• Use the Service to send spam, chain letters, or other unsolicited communications
• Post content that infringes any patent, trademark, copyright, or other intellectual property rights
• Engage in any conduct that restricts or inhibits anyone else's use of the Service
• Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Service without our express written permission

The Service allows you to create, post, store, and share content, including notes, journal entries, prayer requests, discussion posts, prayer wall submissions, and profile information ("User Content"). You retain ownership of your User Content, but you grant us certain rights as described below.

License Grant: By posting User Content, you grant What It Is, What It Do LLC a non-exclusive, royalty-free, worldwide, transferable, sublicensable license to use, store, display, reproduce, and distribute your User Content solely for the purpose of operating, providing, and improving the Service.

Content Responsibility: You are solely responsible for your User Content and the consequences of posting it. You represent and warrant that you own or have the necessary rights to post your User Content and that it does not violate any third-party rights. Content posted in discussions, the prayer wall, or other community features is your responsibility, and you acknowledge that such content may be visible to other users.

Content Moderation: We reserve the right, but have no obligation, to monitor, edit, or remove any User Content that we determine, in our sole discretion, violates these Terms or is otherwise objectionable.

Zero Tolerance: We have zero tolerance for objectionable content and abusive users. Objectionable content is removed, and users who post it or abuse others are suspended or banned.

Community Guidelines: By using the Service, you agree to follow our Community Guidelines.

The Service and its original content (excluding User Content), features, and functionality are and will remain the exclusive property of What It Is, What It Do LLC and its licensors. The Service is protected by copyright, trademark, and other laws of the United States and foreign countries.

Our trademarks, service marks, and logos may not be used in connection with any product or service without our prior written consent.

Bible Content: Scripture quotations are from the King James Version of the Bible, which is in the public domain.

The Service includes AI-powered features. You acknowledge and agree that:

• AI-generated content is provided for informational and spiritual enrichment purposes only and should not be relied upon as professional, medical, legal, financial, psychological, or pastoral counseling advice
• AI responses are generated by artificial intelligence and may not always be accurate, complete, or appropriate
• AI features are not a substitute for genuine prayer to God
• In crisis situations, you should contact emergency services (911) or the Suicide & Crisis Lifeline (988)
• We do not guarantee the availability, reliability, or accuracy of AI features
• You use AI features entirely at your own risk and discretion
• We are not liable for any decisions, actions, or consequences arising from your reliance on AI-generated content

Certain features of the Service may require a paid subscription ("Premium"). By subscribing, you agree to pay the applicable fees as described on the Service.

Auto-Renewal: Subscriptions automatically renew at the end of each billing cycle (monthly or annually, depending on the plan you select) unless you cancel before the renewal date. You authorize us to charge your chosen payment method for each billing cycle automatically.

Cancellation: You may cancel your subscription at any time through your account settings. Cancellation will take effect at the end of the current billing period. You will continue to have access to Premium features until the end of your paid period.

Refund Policy: All fees are non-refundable except where required by applicable law. No refunds or credits will be issued for partial billing periods, downgrade refunds, or unused time.

Price Changes: We reserve the right to adjust pricing at any time. Any price changes will apply to the next billing cycle following reasonable notice to you. Your continued use of the Service after a price change constitutes your acceptance of the new pricing.

Payment Processing: Payments are processed through our third-party payment processor. We do not store your full payment card information on our servers. You agree to abide by the payment processor's terms of service in addition to these Terms.

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using the Service, you consent to our collection and use of information as described in the Privacy Policy.

View our Privacy Policy

In addition to the restrictions in Section 4, you expressly agree not to:

• Systematically retrieve data or content from the Service to create or compile, directly or indirectly, a collection, compilation, database, or directory
• Use any information obtained from the Service to harass, abuse, or harm another person
• Use the Service as part of any effort to compete with us or to provide a similar service offering
• Circumvent, disable, or otherwise interfere with security-related features of the Service
• Upload or transmit viruses, Trojan horses, or other harmful material
• Use any device, software, or routine that interferes with the proper working of the Service

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS, OR THAT DEFECTS WILL BE CORRECTED.

We do not warrant that the Service will be uninterrupted, secure, or error-free, that defects will be corrected, or that the Service or its servers are free of viruses or other harmful components.

Spiritual Guidance Disclaimer: The content and features of the Service are intended for general spiritual enrichment and education only. Nothing in the Service should be construed as professional pastoral counseling, psychological therapy, or medical advice. For serious spiritual, emotional, or mental health concerns, please consult with qualified professionals.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WHAT IT IS, WHAT IT DO LLC, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (I) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE; (II) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE; (III) ANY CONTENT OBTAINED FROM THE SERVICE; OR (IV) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

In no event shall our total aggregate liability to you for all claims arising from or relating to the Service exceed the greater of (a) the amount you paid to us, if any, during the twelve (12) months preceding the claim, or (b) one hundred dollars ($100).

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, temporarily or permanently, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may do so through your account settings or by contacting us.

All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Governing Law: These Terms shall be governed by and construed in accordance with the laws of the state in which the Company operates, without regard to its conflict of law provisions.

Mandatory Arbitration: Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, shall be finally resolved by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall be conducted by a single arbitrator in the state in which the Company operates. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Class Action Waiver: YOU AGREE THAT ANY ARBITRATION OR PROCEEDING SHALL BE LIMITED TO THE DISPUTE BETWEEN THE COMPANY AND YOU INDIVIDUALLY. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION. You may not bring claims as a plaintiff or class member in any purported class, consolidated, or representative proceeding.

Informal Resolution: Before initiating arbitration, you agree to first contact us at support@scripturemate.com and attempt to resolve the dispute informally for at least thirty (30) days.

Entire Agreement: These Terms, together with the Privacy Policy and any other legal notices published by us on the Service, constitute the entire agreement between you and What It Is, What It Do LLC regarding the Service and supersede all prior agreements and understandings.

Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect.

Waiver: The failure of What It Is, What It Do LLC to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

Assignment: You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign our rights and obligations under these Terms without restriction.

Force Majeure: We shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to acts of God, natural disasters, pandemics, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, or strikes.