Last Updated: March 2026

1. ACCEPTANCE OF TERMS

By accessing, browsing, or otherwise utilizing the website located at bmalaw.com (hereinafter referred to as the “Website,” “Platform,” or “Site”), including all associated subdomains, web pages, content, functionality, and services offered on or through the Website, you (hereinafter referred to as the “User,” “You,” “Your,” or “Client”) acknowledge, agree to, and accept, without limitation or qualification, all of the terms, conditions, provisions, and notices contained or referenced in these Terms of Service (hereinafter referred to as the “Terms,” “Agreement,” or “Terms of Service”). These Terms constitute a legally binding agreement between You and BMA Law (hereinafter referred to as “BMA Law,” “Company,” “We,” “Us,” or “Our”), a dispute resolution facilitation and information services entity, governing Your access to and use of the Website and all services provided thereunder.

Pursuant to applicable federal, state, and local laws and regulations, Your continued use of this Website following the posting of any changes, amendments, modifications, or updates to these Terms shall constitute Your acceptance of and agreement to such revised Terms. Notwithstanding any prior agreements, understandings, or representations, whether written or oral, these Terms supersede and replace all previous versions of these Terms of Service, and it is Your sole responsibility to review these Terms periodically for any changes. The Company reserves the unilateral right to modify, amend, supplement, or otherwise alter these Terms at any time, in its sole and absolute discretion, without prior notice to You, whereby such modifications shall become effective immediately upon posting to the Website.

In the event that You do not agree to any provision, clause, condition, or stipulation set forth in these Terms of Service, You are hereby instructed to immediately cease and desist from all use of the Website, discontinue accessing any pages or content therein, and refrain from utilizing any services offered through the Platform. Your use of the Website after the effective date of any modification to these Terms shall be deemed conclusive evidence of Your assent to and acceptance of such modified Terms. Furthermore, certain features, services, or areas of the Website may be subject to additional terms, guidelines, policies, or rules, which shall be posted in connection with such features and are hereby incorporated by reference into these Terms.

The Company makes no representation or warranty, express or implied, that the Website or any content, materials, or services available thereon are appropriate or available for use in jurisdictions outside of the United States. Users who access the Website from other jurisdictions do so at their own risk and are solely responsible for compliance with all applicable local, state, national, and international laws, statutes, ordinances, and regulations. Whereby any provision of these Terms is found to conflict with mandatory provisions of applicable law, the mandatory legal provisions shall prevail, but only to the extent strictly necessary, and all remaining provisions shall continue in full force and effect.

2. IMPORTANT DISCLAIMER AND NON-LEGAL SERVICE NOTICE

BMA Law is NOT a law firm, does NOT practice law, and does NOT provide legal advice, legal representation, legal counsel, or any form of legal services whatsoever. The Company operates exclusively as an information and dispute resolution facilitation service, providing general informational resources, educational content, and facilitation assistance related to dispute resolution processes. No attorney-client relationship, solicitor-client relationship, or any other privileged or confidential professional relationship is created, established, implied, or intended by Your use of this Website, by Your communication with BMA Law or its representatives, or by Your engagement with any services, content, materials, or resources provided through or in connection with this Platform.

Notwithstanding any information, guidance, templates, forms, documents, correspondence, or communications provided by BMA Law, whether through the Website, electronic mail, telephone, postal mail, or any other medium of communication, none of the foregoing shall be construed, interpreted, or deemed to constitute legal advice, legal opinion, legal representation, or the practice of law in any jurisdiction. The information provided by BMA Law is of a general informational and educational nature only, and You are hereby advised, cautioned, and strongly encouraged to seek the independent counsel and advice of a duly licensed attorney, solicitor, or legal professional in Your jurisdiction before taking any action, making any decision, or refraining from any action based upon the information obtained from or through this Website or the Company’s services.

Pursuant to all applicable rules of professional conduct, unauthorized practice of law statutes, and consumer protection regulations, BMA Law expressly disclaims any and all liability, responsibility, and obligation arising from or related to any reliance placed upon any information, content, materials, or communications provided through or in connection with this Website or the Company’s services. You acknowledge, understand, and agree that the use of BMA Law’s services is not a substitute for the advice, counsel, or representation of a licensed attorney, and that BMA Law’s employees, agents, contractors, representatives, and affiliates are not licensed attorneys, lawyers, solicitors, barristers, or legal professionals of any kind, unless explicitly stated otherwise in writing.

You further acknowledge and agree that BMA Law does not undertake any fiduciary duty, duty of care, duty of loyalty, or any other professional duty or obligation to You or to any third party in connection with the provision of its services. The Company does not guarantee, warrant, or represent that any dispute resolution process facilitated through its services will result in any particular outcome, resolution, settlement, or result. All dispute resolution outcomes are inherently uncertain, and BMA Law makes no promises, representations, or guarantees regarding the success, efficacy, or results of any dispute resolution process or informational service provided hereunder.

Whereby any representative, agent, or employee of BMA Law provides information, guidance, or assistance, such provision shall at all times be understood and interpreted as general information facilitation only, and shall under no circumstances be construed as the rendering of legal advice, the formation of an attorney-client relationship, or the practice of law. Any and all communications between You and BMA Law are not protected by attorney-client privilege, work product doctrine, or any other evidentiary privilege, and may be subject to disclosure in accordance with applicable laws and legal processes.

3. DESCRIPTION OF SERVICES

BMA Law provides a range of information and dispute resolution facilitation services (hereinafter collectively referred to as the “Services”) through its Website and associated platforms. These Services include, but are not limited to, the provision of general informational resources relating to dispute resolution processes, consumer rights awareness, creditor-debtor communications, and related informational topics. The Company may, at its sole discretion, offer document preparation assistance, template letters, informational guides, dispute resolution facilitation, and other informational and educational resources designed to assist Users in understanding and navigating various dispute resolution processes.

Notwithstanding the foregoing, the Company reserves the absolute and unilateral right to modify, suspend, discontinue, limit, restrict, or terminate any or all of the Services, or any portion thereof, at any time, with or without notice, and without liability or obligation to You or any third party. The Company further reserves the right to impose limits on certain features, functionalities, and services, or to restrict Your access to parts or all of the Services, without notice or liability. The Company shall not be liable to You or to any third party for any modification, suspension, discontinuance, or termination of the Services or any part thereof.

The Services provided by BMA Law are designed to facilitate the exchange of information and to assist Users in understanding dispute resolution processes. The Company does not engage in the practice of law, does not provide legal representation, and does not act as Your attorney, agent, or fiduciary in any capacity. All Services are provided on an informational and facilitation basis only, and the Company makes no warranty, guarantee, or representation that the Services will achieve any particular result, outcome, or objective. You are solely responsible for evaluating the accuracy, completeness, timeliness, reliability, suitability, and usefulness of all information and services provided through the Platform.

Pursuant to the terms of this Agreement, the Company may engage third-party service providers, contractors, vendors, or affiliates to perform certain functions or provide certain services on its behalf. The Company shall not be liable for the acts, omissions, negligence, or misconduct of any third-party service provider, and Your use of any third-party services shall be governed by the terms, conditions, and policies of such third-party providers. The inclusion of any third-party services within or in connection with the Company’s Platform does not constitute an endorsement, recommendation, or approval of such third-party services by the Company.

4. USER OBLIGATIONS AND RESPONSIBILITIES

As a condition of Your access to and use of the Website and Services, You hereby represent, warrant, covenant, and agree that: (a) You are at least eighteen (18) years of age or the age of legal majority in Your jurisdiction, whichever is greater; (b) You have the legal capacity, authority, and right to enter into this Agreement and to comply with all terms and conditions hereof; (c) all information provided by You in connection with Your use of the Website and Services is true, accurate, current, and complete; and (d) You will maintain and promptly update such information to keep it true, accurate, current, and complete at all times.

You agree, covenant, and undertake not to use the Website or Services for any purpose that is unlawful, prohibited by these Terms, or in any manner that could damage, disable, overburden, impair, interfere with, or disrupt the Website, Services, servers, networks, or any systems connected to or associated with the Website. You shall not attempt to gain unauthorized access to any portion of the Website, any accounts, computer systems, or networks connected to the Website, through hacking, password mining, social engineering, or any other means. You shall not use any robot, spider, scraper, crawler, or other automated means or device to access the Website or Services for any purpose without the prior express written permission of the Company.

Pursuant to this Agreement, You are solely responsible for all activities that occur under Your account or in connection with Your use of the Website and Services. You agree to immediately notify the Company of any unauthorized use of Your account, any breach of security, or any other matter that may affect the security of the Website or Your account. The Company shall not be liable for any loss, damage, liability, expense, or cost arising from Your failure to comply with this section or from any unauthorized use of Your account. Notwithstanding the foregoing, the Company reserves the right to suspend, restrict, or terminate Your access to the Website and Services at any time, for any reason, in its sole and absolute discretion, without prior notice or liability.

You further agree and acknowledge that You shall not: (i) reproduce, duplicate, copy, sell, resell, distribute, or exploit any portion of the Website or Services without the express written consent of the Company; (ii) use the Website or Services to transmit, distribute, or store material that is defamatory, libelous, threatening, abusive, harassing, hateful, obscene, fraudulent, or otherwise objectionable; (iii) use the Website or Services to infringe upon the intellectual property rights, privacy rights, publicity rights, or other proprietary rights of any third party; (iv) interfere with or circumvent the security features of the Website or any related website, other websites, or the Internet; or (v) use the Website or Services in any manner that violates any applicable federal, state, local, or international law, statute, ordinance, rule, or regulation.

5. ACCOUNT REGISTRATION AND SECURITY

Certain features, functionalities, and Services offered through the Website may require You to register for an account (hereinafter referred to as an “Account”). In the event that You register for an Account, You agree to provide accurate, current, and complete registration information as prompted by the registration form, and to maintain and promptly update such information to keep it accurate, current, and complete. You are solely responsible for safeguarding the confidentiality of Your Account password and for all activities and transactions that occur under Your Account. You agree to immediately notify the Company in writing of any unauthorized use of Your Account or any other breach of security of which You become aware.

The Company shall not be liable for any loss, damage, cost, expense, or liability arising from Your failure to maintain the security and confidentiality of Your Account credentials, including but not limited to Your username and password. Notwithstanding the foregoing, the Company reserves the right to refuse registration, cancel an Account, remove or edit content, or refuse any and all current or future use of the Website or Services if the Company suspects, in its sole discretion, that You have provided inaccurate, incomplete, or misleading information, or that Your use of the Website or Services violates these Terms or any applicable law or regulation.

Pursuant to the Company’s security protocols, You acknowledge and agree that the Company may implement reasonable security measures to protect the integrity of user accounts and the Website. However, whereby the Company implements such security measures, no guarantee, warranty, or representation is made that such measures will be effective in preventing all unauthorized access, data breaches, or security incidents. The Company disclaims all liability for any security breaches, data loss, or unauthorized access to Your Account or personal information, to the fullest extent permitted by applicable law. You acknowledge that the transmission of information over the Internet is inherently insecure and that the Company cannot guarantee the security of data transmitted to or from the Website.

6. PAYMENT TERMS AND BILLING

The Company offers various service tiers and pricing plans for its Services, which may include, but are not limited to, the following: (a) Starter Plan at a rate of One Hundred Ninety-Nine Dollars ($199.00) USD; (b) Pro Plan at a rate of Three Hundred Ninety-Nine Dollars ($399.00) USD; and (c) Agency Plan at a rate of Nine Hundred Ninety-Nine Dollars ($999.00) USD. All prices are quoted in United States Dollars and are subject to change at the sole discretion of the Company without prior notice. The Company reserves the right to modify, adjust, increase, or decrease the pricing of any service tier at any time, and such changes shall be effective immediately upon posting to the Website or upon notification to the User, whichever occurs first.

Payment for Services may be made through PayPal and such other payment methods as the Company may, from time to time, make available through the Website. By providing payment information and completing a purchase, You represent and warrant that: (i) You are authorized to use the payment method provided; (ii) You authorize the Company to charge the applicable fees to Your designated payment method; and (iii) all payment information provided is true, accurate, current, and complete. You are solely responsible for any fees, charges, or costs imposed by Your payment provider, financial institution, or bank in connection with the processing of payments for the Services.

Notwithstanding any other provision of these Terms, all fees and charges for Services are due and payable at the time of purchase, unless otherwise expressly agreed in writing by the Company. The Company shall have no obligation to provide, continue, or complete any Services until full payment has been received and verified. In the event of non-payment, late payment, insufficient funds, chargebacks, or payment disputes, the Company reserves the right to suspend, restrict, or terminate Your access to the Services, and to pursue all available legal and equitable remedies to recover the amounts owed, including but not limited to reasonable attorneys’ fees, collection costs, and interest at the maximum rate permitted by applicable law.

All payments made to the Company are deemed final, subject to the Company’s Refund Policy set forth in Section 7 of these Terms. You acknowledge and agree that the Company is not responsible for any taxes, duties, levies, or governmental charges imposed on or in connection with the Services, and that You are solely responsible for the payment of any such taxes, duties, levies, or charges applicable to Your purchase or use of the Services. The Company may, at its discretion, provide receipts or invoices for payments made, but shall have no obligation to do so unless required by applicable law.

7. REFUND POLICY

The Company offers a thirty (30) day refund consideration period commencing from the date of Your initial purchase of Services (the “Refund Period”). During the Refund Period, You may submit a written request for a refund of the fees paid for the Services by contacting the Company at [email protected]. All refund requests shall be evaluated on a case-by-case basis, in the sole and absolute discretion of the Company, and the Company reserves the right to approve, deny, or partially approve any refund request based upon the specific circumstances, including but not limited to the extent of Services rendered, the nature of the request, and any other factors the Company deems relevant.

Notwithstanding the foregoing, the Company may, in its sole discretion, offer a partial refund of up to fifty percent (50%) of the fees paid (the “Partial Refund”) in circumstances where the Company determines, in its absolute discretion, that a full refund is not warranted but that a partial refund is appropriate given the circumstances. The determination of whether to grant a full refund, a Partial Refund, or no refund at all shall be made by the Company in its sole and absolute discretion, and such determination shall be final, binding, and not subject to appeal, review, or challenge. You acknowledge and agree that the Company’s refund decisions are discretionary and that the Company is under no obligation to grant any refund or Partial Refund.

Pursuant to this Refund Policy, refund requests submitted after the expiration of the thirty (30) day Refund Period shall not be eligible for consideration, and the Company shall have no obligation to process, review, or respond to such late requests. All approved refunds shall be processed through the original payment method used for the purchase, and the Company shall not be responsible for any delays, fees, or charges imposed by the payment processor, financial institution, or bank in connection with the processing of refunds. The Company reserves the right to modify this Refund Policy at any time, in its sole discretion, and such modifications shall be effective immediately upon posting to the Website.

In the event that a refund is approved and processed, You agree that all access to and use of the Services associated with the refunded payment shall immediately terminate, and You shall have no further right to access, use, or benefit from such Services. Any materials, documents, templates, or other deliverables provided to You in connection with the refunded Services shall be promptly returned to the Company or destroyed, and You shall certify such return or destruction in writing upon request by the Company. Whereby a chargeback, payment dispute, or reversal is initiated by You or Your payment provider without first seeking resolution through the Company’s refund process, the Company reserves the right to suspend or terminate Your access to all Services and to pursue all available legal remedies.

8. INTELLECTUAL PROPERTY RIGHTS

All content, materials, information, text, graphics, images, logos, trademarks, service marks, trade names, trade dress, designs, software, code, data, and other intellectual property (collectively, the “Intellectual Property”) displayed on, contained in, or made available through the Website and Services are the exclusive property of the Company or its licensors and are protected by applicable United States and international copyright, trademark, patent, trade secret, and other intellectual property and proprietary rights laws. Nothing in these Terms shall be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of the Company’s Intellectual Property without the prior express written permission of the Company.

You agree and undertake not to reproduce, duplicate, copy, sell, resell, distribute, transmit, display, perform, publish, license, create derivative works from, transfer, or exploit any Intellectual Property obtained from or through the Website or Services, in whole or in part, without the prior express written consent of the Company. Any unauthorized use, reproduction, modification, distribution, transmission, republication, display, or performance of the Intellectual Property is strictly prohibited and may subject You to civil and criminal penalties, including but not limited to those available under the Digital Millennium Copyright Act, the Lanham Act, and other applicable intellectual property statutes and regulations.

Notwithstanding the foregoing, to the extent that You submit, upload, post, transmit, or otherwise provide any content, materials, information, feedback, suggestions, ideas, or communications to the Company through or in connection with the Website or Services (collectively, “User Content”), You hereby grant to the Company a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, non-exclusive, transferable, sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, display, and otherwise exploit such User Content in any form, medium, or technology now known or hereafter developed, for any purpose whatsoever, without any obligation to compensate You or any third party.

9. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BMA LAW, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, REPRESENTATIVES, AFFILIATES, SUBSIDIARIES, PARENT COMPANIES, SUCCESSORS, ASSIGNS, LICENSORS, OR SERVICE PROVIDERS (COLLECTIVELY, THE “COMPANY PARTIES”) BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, USE, DATA, BUSINESS OPPORTUNITIES, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH: (A) YOUR USE OF OR INABILITY TO USE THE WEBSITE OR SERVICES; (B) ANY CONTENT, MATERIALS, INFORMATION, OR SERVICES OBTAINED THROUGH THE WEBSITE; (C) ANY UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (D) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE WEBSITE; OR (E) ANY OTHER MATTER RELATING TO THE WEBSITE OR SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF THE COMPANY PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Notwithstanding any other provision of these Terms, the aggregate liability of the Company Parties to You for all claims, damages, losses, costs, and expenses arising out of or in connection with these Terms, the Website, or the Services, whether in contract, tort (including negligence), strict liability, statute, or otherwise, shall not exceed the total amount of fees actually paid by You to the Company during the twelve (12) month period immediately preceding the event giving rise to the claim. This limitation of liability reflects a reasonable allocation of risk between the parties and is a fundamental element of the basis of the bargain between the Company and You.

Pursuant to these Terms, You acknowledge and agree that the Company has set its fees, prices, and charges in reliance upon the limitations of liability, disclaimers of warranties, and other provisions set forth in these Terms, and that the same form an essential basis of the bargain between the parties. The limitations of liability set forth in this section shall apply to the fullest extent permitted by law in the applicable jurisdiction, and shall survive the termination or expiration of these Terms and Your use of the Website and Services. Certain jurisdictions do not allow the exclusion or limitation of certain damages; accordingly, some of the above limitations and exclusions may not apply to You, but only to the minimum extent required by applicable mandatory law.

Whereby any claim, action, or proceeding is brought against any of the Company Parties in connection with the Website or Services, the prevailing party shall be entitled to recover its reasonable attorneys’ fees, costs, and expenses incurred in connection therewith, in addition to any other relief to which such party may be entitled. You agree that any cause of action, claim, or dispute arising out of or related to these Terms, the Website, or the Services must be commenced within one (1) year after the cause of action accrues; otherwise, such cause of action, claim, or dispute is permanently barred, and You hereby waive any statute of limitations to the contrary.

10. DISCLAIMER OF WARRANTIES

THE WEBSITE, SERVICES, AND ALL CONTENT, MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PROVIDED THROUGH OR IN CONNECTION WITH THE WEBSITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OR REPRESENTATIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY PARTIES HEREBY DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, COMPLETENESS, TIMELINESS, QUALITY, OR SUITABILITY.

Without limiting the generality of the foregoing, the Company Parties make no warranty, representation, or guarantee that: (a) the Website or Services will meet Your requirements, expectations, or needs; (b) the Website or Services will be uninterrupted, timely, secure, error-free, or free of viruses, malware, or other harmful components; (c) the results that may be obtained from the use of the Website or Services will be accurate, reliable, complete, or current; (d) any errors, defects, or deficiencies in the Website or Services will be corrected; or (e) the Website, its servers, or any communications sent from the Company are free of viruses, malware, Trojan horses, or other harmful components. Notwithstanding any information or advice provided by the Company or its representatives, no such information or advice shall create any warranty or representation not expressly stated in these Terms.

You expressly acknowledge and agree that Your use of the Website and Services is at Your sole risk and discretion. You are solely responsible for any damage to Your computer system, mobile device, or other equipment, or for any loss of data that results from Your use of or access to the Website or Services, or from the downloading, uploading, or transmission of any content, materials, or data through or in connection with the Website. The Company assumes no responsibility or liability for the deletion, corruption, failure to store, or failure to deliver any content, materials, communications, or data maintained or transmitted through the Website or Services.

11. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless BMA Law and the Company Parties from and against any and all claims, demands, actions, suits, proceedings, investigations, liabilities, damages, losses, costs, and expenses (including but not limited to reasonable attorneys’ fees, court costs, and litigation expenses) arising out of or in connection with: (a) Your use of or access to the Website or Services; (b) Your violation or breach of any provision of these Terms; (c) Your violation of any applicable law, statute, ordinance, rule, regulation, or order; (d) Your violation or infringement of any intellectual property, privacy, publicity, or other proprietary right of any third party; (e) any content, materials, or information submitted, posted, transmitted, or otherwise provided by You through the Website or Services; or (f) any negligent, reckless, or intentional misconduct by You.

Notwithstanding the foregoing, the Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by You, in which event You agree to cooperate fully with the Company in asserting any available defenses and to provide all reasonable assistance requested by the Company in connection therewith. You shall not settle any claim, action, or proceeding subject to this indemnification obligation without the prior written consent of the Company. This indemnification obligation shall survive the termination or expiration of these Terms, Your use of the Website and Services, and any other agreement between You and the Company.

Pursuant to this indemnification provision, You acknowledge and agree that the Company Parties shall have no liability or obligation to You or any third party for any claims, damages, losses, costs, or expenses arising from or related to Your use of the Website or Services, Your violation of these Terms, or Your violation of any applicable law or the rights of any third party. You further agree that the indemnification obligations set forth in this section are reasonable and proportionate in light of the nature of the Services provided and the risks assumed by the Company in making the Website and Services available to You.

12. DISPUTE RESOLUTION AND GOVERNING LAW

These Terms of Service and any dispute, claim, or controversy arising out of or relating to these Terms, the Website, or the Services, including the determination of the scope or applicability of this agreement to arbitrate, shall be governed by and construed in accordance with the laws of the State of Florida, United States of America, without regard to its conflict of laws principles, provisions, or rules. You irrevocably consent and submit to the exclusive personal jurisdiction of the federal and state courts located in the State of Florida for any action, suit, or proceeding arising out of or relating to these Terms, and You hereby waive any objection to venue or jurisdiction, including any objection based on the doctrine of forum non conveniens.

Notwithstanding the foregoing, the parties agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Website, or the Services shall first be submitted to good faith mediation before a mutually agreed-upon mediator. In the event that mediation is unsuccessful or that the parties are unable to agree upon a mediator within thirty (30) days of the initiation of mediation, either party may pursue resolution through binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules, or through litigation in the courts specified herein, at the election of the Company.

Pursuant to this dispute resolution provision, You agree that any arbitration shall be conducted on an individual basis and not as a class action, collective action, mass action, or representative action. You hereby waive any right to participate in any class action, collective action, or representative action against the Company. The arbitrator shall have exclusive authority to resolve all disputes arising out of or relating to the interpretation, applicability, enforceability, or formation of these Terms, including any claim that all or any part of these Terms is void or voidable. The arbitrator’s award shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

Whereby any provision of this dispute resolution section is found to be unenforceable or invalid by a court of competent jurisdiction, the remaining provisions of this section shall remain in full force and effect. The parties agree that any claims or disputes must be brought in the parties’ individual capacity and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The Company reserves all rights and remedies available to it under applicable law, equity, and these Terms, and the exercise or failure to exercise any right or remedy shall not constitute a waiver of such right or remedy or any other right or remedy.

13. PRIVACY AND DATA PROTECTION

The Company’s collection, use, storage, processing, and disclosure of Your personal information and data is governed by the Company’s Privacy Policy, which is available at https://bmalaw.com/privacy-policy/ and is hereby incorporated by reference into these Terms. By using the Website and Services, You acknowledge that You have read, understood, and agree to be bound by the terms of the Privacy Policy. The Company reserves the right to modify, amend, or update the Privacy Policy at any time, in its sole discretion, and such modifications shall be effective immediately upon posting to the Website.

Notwithstanding the provisions of the Privacy Policy, You acknowledge and agree that the Company may collect, use, process, store, and disclose certain information about You and Your use of the Website and Services, including but not limited to Your IP address, browser type, operating system, device information, geographic location, browsing history, clickstream data, and other usage data, for purposes including but not limited to the operation and improvement of the Website and Services, analytics, marketing, advertising, security, fraud prevention, and compliance with applicable laws and legal processes. The Company shall use commercially reasonable efforts to protect Your personal information in accordance with applicable data protection laws, but makes no guarantee or warranty that such measures will prevent all unauthorized access, disclosure, or misuse of Your personal information.

Pursuant to applicable data protection laws and regulations, including but not limited to the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), and other applicable privacy laws, You may have certain rights with respect to Your personal information, including the right to access, correct, delete, port, or restrict the processing of Your personal information. To exercise any such rights, please contact the Company at [email protected]. The Company shall respond to Your request in accordance with applicable law, and reserves the right to verify Your identity before processing any such request.

14. THIRD-PARTY LINKS AND SERVICES

The Website may contain links, references, or connections to third-party websites, applications, platforms, services, content, materials, or resources (collectively, “Third-Party Services”) that are not owned, controlled, operated, or maintained by the Company. The inclusion of any link to or reference to any Third-Party Service on the Website does not constitute, imply, or express any endorsement, approval, recommendation, sponsorship, affiliation, or association by or with the Company. The Company has no control over, and assumes no responsibility or liability for, the content, privacy policies, practices, security measures, terms of service, or operations of any Third-Party Services.

Notwithstanding any provision of these Terms, You acknowledge and agree that Your access to and use of any Third-Party Services is entirely at Your own risk and is subject to the terms, conditions, and policies of such Third-Party Services. The Company strongly encourages You to review the terms of service, privacy policy, and other governing documents of any Third-Party Service before accessing or using such service. The Company shall not be liable for any loss, damage, cost, expense, or liability arising from or in connection with Your use of or reliance upon any Third-Party Services, including but not limited to any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any content, goods, services, or materials available on or through any Third-Party Services.

Pursuant to the terms of this Agreement, the Company may utilize third-party service providers, payment processors, hosting providers, analytics providers, and other vendors in connection with the operation of the Website and the provision of Services. The Company’s use of third-party service providers does not constitute an endorsement of such providers, and the Company shall not be liable for the acts, omissions, errors, negligence, or misconduct of any third-party service provider. You acknowledge and agree that certain Third-Party Services may be essential to the operation of the Website and Services, and that the Company shall not be liable for any interruption, suspension, or termination of the Website or Services resulting from the unavailability, failure, or discontinuation of any Third-Party Service.

15. MODIFICATIONS TO TERMS

The Company reserves the sole, absolute, and unilateral right to modify, amend, supplement, revise, update, or otherwise change these Terms of Service at any time, for any reason, in its sole discretion, without prior notice to You. Any modifications to these Terms shall be effective immediately upon posting of the revised Terms on the Website, and the “Last Updated” date at the top of these Terms will be revised accordingly. Your continued use of the Website or Services following the posting of any modifications to these Terms shall constitute Your acknowledgment, acceptance, and agreement to be bound by the modified Terms.

Notwithstanding the foregoing, it is Your sole responsibility to review these Terms periodically for any changes, modifications, or updates. The Company shall have no obligation to notify You of any changes to these Terms, whether by email, notification, posting, or any other means, unless required by applicable law. Whereby You do not agree to any modification of these Terms, Your sole and exclusive remedy is to discontinue Your use of the Website and Services. The Company may also, in its discretion, choose to alert Users to material changes to these Terms by placing a notice on the Website, but shall have no obligation to do so.

Pursuant to this provision, You acknowledge and agree that the Company may, from time to time, issue updated, revised, or supplemental terms, policies, guidelines, or rules applicable to specific features, functionalities, or areas of the Website or Services (collectively, “Supplemental Terms”). Such Supplemental Terms shall be in addition to and shall supplement these Terms, and are hereby incorporated by reference into these Terms. In the event of any conflict between these Terms and any Supplemental Terms, the Supplemental Terms shall control with respect to the specific feature, functionality, or area to which they apply, and these Terms shall control in all other respects.

16. SEVERABILITY

If any provision, clause, term, condition, or stipulation of these Terms of Service is found to be invalid, illegal, void, voidable, unenforceable, or contrary to applicable law by a court of competent jurisdiction, arbitrator, or other tribunal, such provision shall be modified, reformed, and construed to the minimum extent necessary to make it valid, legal, and enforceable while preserving, to the maximum extent possible, the original intent and economic effect of the provision. If such modification, reformation, or construction is not possible, the invalid or unenforceable provision shall be severed from these Terms, and the remaining provisions shall continue in full force and effect, unimpaired and unaffected by such severance.

Notwithstanding the severance of any provision, the parties hereby agree and declare that it is their intention that these Terms would have been executed and entered into without regard to any provision that may be found to be invalid, illegal, or unenforceable. The invalidity, illegality, or unenforceability of any provision of these Terms in any particular jurisdiction shall not affect the validity, legality, or enforceability of such provision in any other jurisdiction. Each provision of these Terms shall be construed as an independent and separate covenant, and the unenforceability of one provision shall not affect the enforceability of any other provision.

Pursuant to the principles of severability and contractual interpretation, the parties further agree that, in the event any provision is severed or modified pursuant to this section, the remaining provisions of these Terms shall be interpreted and enforced in a manner that effectuates the general intent and purpose of these Terms as originally drafted, and that gives effect to the reasonable expectations of the parties at the time of entering into this Agreement.

17. ENTIRE AGREEMENT

These Terms of Service, together with the Privacy Policy, any Supplemental Terms, and any other agreements, policies, or guidelines expressly incorporated by reference herein, constitute the entire agreement between You and the Company with respect to the subject matter hereof, and supersede and replace all prior or contemporaneous agreements, understandings, representations, warranties, negotiations, discussions, and communications, whether written or oral, between the parties with respect to such subject matter. No waiver of any provision of these Terms by the Company shall be deemed a further or continuing waiver of such provision or a waiver of any other provision, and the Company’s failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

Notwithstanding any course of dealing, course of performance, usage of trade, or prior negotiations between the parties, no terms, conditions, or provisions other than those expressly set forth in these Terms shall be binding upon the Company, unless agreed to in a separate writing signed by an authorized representative of the Company. You acknowledge and agree that You have not relied upon any representation, statement, warranty, or agreement made by the Company or its representatives that is not expressly set forth in these Terms, and that You shall have no remedy in respect of any such representation, statement, warranty, or agreement that is not expressly set forth herein.

Pursuant to the principles of contractual interpretation, the headings, titles, and captions used in these Terms are for convenience of reference only and shall not affect the meaning, interpretation, or construction of any provision of these Terms. All references to “including” or “includes” in these Terms shall be deemed to be followed by the phrase “without limitation,” whether or not such phrase actually appears. The terms “herein,” “hereof,” “hereunder,” “hereby,” and similar terms refer to these Terms as a whole and not to any particular section or provision. On the site we put up example cases as we do not talk about actual cases as we keep our client names and lists not public. These Terms shall be binding upon and inure to the benefit of the parties and their respective heirs, executors, administrators, personal representatives, successors, and permitted assigns.

18. CONTACT INFORMATION

If You have any questions, concerns, comments, complaints, or inquiries regarding these Terms of Service, the Website, or the Services, or if You wish to exercise any rights or remedies available to You under these Terms or applicable law, please contact the Company at:

BMA Law
Email: [email protected]
Website: https://bmalaw.com

All notices, requests, demands, and other communications required or permitted under these Terms shall be in writing and shall be deemed to have been duly given when delivered personally, when sent by electronic mail to the address specified above, or when sent by certified or registered mail, return receipt requested, postage prepaid, to the address designated by the Company. The Company shall endeavor to respond to all legitimate inquiries within a commercially reasonable timeframe, but makes no guarantee or representation regarding response times.

© 2026 BMA Law. All rights reserved. This document constitutes the complete Terms of Service for the use of bmalaw.com and all related services.
These Terms of Service were last updated in March 2026.