BUSINESS PORTAL TERMS OF SERVICE

These Business Portal Terms of Service (these "Terms") are a binding agreement between REPORT A SCAM LLC, a Wyoming limited liability company, with an address at 5830 E 2nd St Ste 7000, Casper, Wyoming 82609 (the "Company"), and the Business that creates, accesses, or uses a Business Account. The Company operates the Platform at reportascam.com.

BY CLICKING AN ACCEPTANCE CONTROL, CREATING OR ACCESSING A BUSINESS ACCOUNT, OR OTHERWISE USING THE BUSINESS PORTAL, THE BUSINESS REPRESENTATIVE CONFIRMS THAT THE REPRESENTATIVE HAS AUTHORITY TO BIND THE BUSINESS AND ACCEPTS THESE TERMS ON THE BUSINESS'S BEHALF. IF THE BUSINESS DOES NOT AGREE, IT MUST NOT CREATE AN ACCOUNT OR USE THE BUSINESS PORTAL.

1. Definitions

1.1 "Account" means the Business's registered account for access to the Business Portal on the Platform.

1.2 "Administrative Services" means technology-based and administrative services provided by the Company through the Platform at the Consumer's direction, including organization of Consumer-supplied information, transmission of Claim Notices, facilitation of communications, transmission of offers and responses without alteration, recording of Claim Status, and other nonlegal services described in the applicable agreement. Administrative Services do not include legal advice, legal representation, claim ownership, settlement acceptance or rejection, filing or prosecution of proceedings, or receipt of settlement funds.

1.3 "Business" means a person, entity, or organization identified in a report submitted through the Platform as the subject of a Consumer's Opinion Report or Transactional Report.

1.4 "Business Content" means information, data, text, images, documents, and other materials submitted to or through the Platform by or on behalf of a Business, including responses to reports, settlement proposals, and profile information.

1.5 "Business Representative" means an individual who creates, administers, accesses, or uses an Account on behalf of a Business.

1.6 "Claim" means a Transactional Report submitted by a Consumer who has requested Administrative Services under a Claim Services Authorization. The Consumer retains ownership and settlement control of the Claim at all times.

1.7 "Claim Services Authorization" means the agreement between the Consumer and the Company under which the Consumer authorizes the Company to provide Administrative Services with respect to a Claim. The Claim Services Authorization does not assign the Claim, grant a power of attorney, or transfer settlement authority to the Company.

1.8 "Claim Status" means a general, publicly displayable indicator of the current stage of a Claim (for example, "Submitted," "Notice Sent," "Response Received," "Resolution Process Active," or "Resolved"). Claim Status does not include the Claim amount, Transactional Report narrative, supporting documents, or Consumer identity.

1.9 "Company" means REPORT A SCAM LLC, a Wyoming limited liability company, with an address at 5830 E 2nd St Ste 7000, Casper, Wyoming 82609.

1.10 "Consumer" means an individual who creates an account on the Platform and submits a report or requests Administrative Services.

1.11 "Consumer Content" means information, data, text, images, documents, and other materials submitted to or through the Platform by or on behalf of a Consumer, including Opinion Reports, Transactional Reports, supporting documents, and communications.

1.12 "Opinion Report" means a Consumer-submitted report expressing the Consumer's opinion about a Business or transaction. Opinion Reports may be displayed publicly, subject to the Consumer Terms of Service.

1.13 "Platform" means the technology platform operated by the Company at reportascam.com, including associated websites, applications, portals, tools, and services.

1.14 "Resolution Program" means the subscription-based program described in the Business Resolution Program Subscription Agreement through which a subscribing Business accesses structured communication and resolution workflows on the Platform.

1.15 "Settlement Amount" means the monetary sum, if any, that the Business agrees to pay the Consumer under a Consumer-Business Settlement Agreement.

1.16 "Transactional Report" means a Consumer-submitted report that describes a specific commercial transaction and may form the basis of a Claim. Transactional Report narratives and supporting documents are not published without separate consent.

2. Account Registration and Authority

2.1 Account Creation. To access the Business Portal, the Business must create an Account and accept these Terms through the applicable clickwrap process. Standard Account access is provided as stated in the applicable as described on our Pricing page at reportascam.com/pricing.

2.2 Authority. Each Business Representative represents and warrants that the representative has authority to bind the Business to these Terms and to each accepted Fee Schedule, subscription renewal term, arbitration provision, and recurring charge authorization. The Business is responsible for ensuring that only authorized persons access or administer its Account.

2.3 Registration Information. The Business must provide accurate, current, and complete registration information, including its legal name, business address, and a valid business email address, and must promptly update that information when it changes.

2.4 Account Security. The Business is responsible for maintaining the confidentiality and security of its Account credentials, limiting access to authorized Business Representatives, and all activity occurring through its Account. The Business must promptly notify the Company through the Platform of any suspected unauthorized access or security incident involving its Account.

2.5 Account Communications. The Company may send Account confirmations, service communications, and notices to the email address associated with the Account and may make them available in the Business Portal.

3. Platform Services

3.1 Business Portal. The Platform provides the Business with access to Business Content, applicable Claim information, response tools, and administrative features made available for the Business's Account.

3.2 Communication Channel. A structured communication channel through which the Business and Consumer may exchange information, responses, and settlement proposals.

3.3 Administrative Tools. Administrative tools intended to support communication and voluntary resolution. The Company does not provide litigation or legal representation.

3.4 No Determination of Liability. The Company does not determine the validity, merit, accuracy, completeness, or legal effect of a Claim or Business response. The Company’s transmission or display of information does not endorse a Consumer's or Business's position and does not determine liability.

3.5 No Legal Services. The Company is not a law firm. The Company does not provide legal advice, legal opinions, or legal representation, does not select legal claims or remedies, and does not own or control any Consumer Claim.

3.6 Independent Attorneys. At the Consumer's request, the Platform may provide information about independent attorneys. The Consumer and attorney independently determine whether to enter an attorney-client relationship. The attorney controls intake, conflicts review, legal analysis, strategy, scope, fees, and work product. Attorney fees are established and collected by the attorney under the engagement agreement. The Company does not receive or share attorney fees.

4. Claim Process and Business Responses

4.1 Claim Notice. The Company may transmit a factual Claim Notice at the Consumer's direction. The Business may pay the Consumer directly, propose a settlement, dispute the Claim, request information, or decline further participation. Platform participation does not require the Business to admit liability or accept a proposed resolution.

4.2 Review and Response. The Business may use the Business Portal to review available information, submit a response, submit supporting materials, make a proposal, request additional information, or state that it disputes the Claim. The Company may transmit Business Content without alteration as part of Administrative Services.

4.3 Response Standards. The Business must ensure that its Business Content is accurate, lawful, professional, and submitted in good faith. A Business response must not include threats, harassment, knowingly false information, sensitive personal information not reasonably necessary to address the matter, or unlawful content.

4.4 Response Timing. The Business should respond within any response period displayed in the Business Portal. A failure to respond is not an admission of liability and does not authorize the Company to make a settlement decision, execute a release, commence a proceeding, or take legal action for a Consumer.

4.5 Consumer Control. Consumers retain ownership and control of their Claims at all times. The Company provides Administrative Services only and does not accept or reject offers, settle Claims, execute releases, or act as a representative for a Consumer.

5. Fees and Payment Terms

5.1 Fees. Standard account access is free or subject to the displayed fee. The Business may purchase subscriptions, profile features, workflow tools, or administrative services under a Fee Schedule presented before purchase. Each fee must be affirmatively accepted and compensates the Company for identified Platform services. Fees are fixed and are not calculated as a percentage of Consumer recovery. No fee is conditioned on settlement, payment, or the outcome of a Claim, and no outcome-based, percentage-based, contingent, or recovery-based fee applies under these Terms.

5.2 Fee Schedules. Fees payable by the Business are limited to fees set out in a as described on our Pricing page at reportascam.com/pricing presented to and affirmatively accepted by the Business before the applicable purchase. The Company will not charge a fee that was not so presented and accepted.

5.3 Separation from Settlement. No fee is deducted from any Settlement Amount, and no fee is imposed on the Consumer. A Business's direct communication, payment, settlement, dispute, or other resolution with a Consumer does not create any separate outcome-based fee obligation to the Company.

5.4 Billing and Payment. The applicable Fee Schedule states the accepted fee, payment timing, payment method, and any recurring charge authorization. The Company may suspend paid features for an undisputed payment that remains overdue after notice and a reasonable opportunity to cure.

6. Settlement

6.1 Settlement Offers. Settlement offers are subject to Consumer acceptance. The Business and Consumer must execute the applicable settlement agreement. Payments must be made directly to the Consumer or through a licensed payment provider. The Company will not receive settlement funds for transmission to Consumers.

6.2 Settlement Payment Routing. Any settlement payment must be made directly to the Consumer or through a licensed payment provider. The Company will not receive, hold, or transmit settlement funds for the Consumer. No Company fee is deducted from the Consumer's recovery.

6.3 Settlement Records. The Platform may record the general Claim Status based on information provided by the Consumer or Business. The Company does not determine whether a settlement has been fully performed, except to record information submitted through the Platform.

7. Business Public Profile

7.1 Permitted Public Items. The Company may maintain a public profile for the Business that includes Business identifying information, Opinion Reports, Business responses, general Claim Status, and aggregated information.

7.2 Public Display Limits. Transactional Report narratives, Claim amounts, and supporting documentation will not be publicly displayed without appropriate consent. Publication decisions operate independently from whether a Business pays, settles, disputes, or rejects a Claim.

7.3 Public Display Limits. Only Opinion Reports, approved Business responses, general Claim Status, and aggregated information may be displayed publicly. Transactional Report narratives, Claim amounts, and supporting documents will not be publicly displayed without separate consent. Publication decisions operate independently from whether a Business pays, settles, disputes, or rejects a Claim.

7.4 Business Responses. The Business may submit a response to an Opinion Report or other public-profile item through the Platform. The Company may publish an approved Business response consistent with these Terms, the Consumer Terms of Service, and applicable law. The Business must not use a response to retaliate against, threaten, harass, or seek to intimidate a Consumer.

7.5 Correction Requests. The Business may submit a request through the Platform to correct factual identifying information about the Business. The Company may review the request but is not required to alter a Consumer's opinion or a Consumer's own content solely because the Business disputes it.

8. Privacy and Confidentiality

8.1 Privacy Policies. The Company's Business Privacy Policy governs the Company's collection, use, disclosure, and protection of Business information. The Consumer Privacy Policy governs the Company's treatment of Consumer information and Consumer Content. The Business must comply with applicable privacy and data-protection law when using the Platform or submitting Business Content.

8.2 Confidentiality. Each party must use nonpublic information received from the other party through the Platform only as reasonably necessary to perform or receive services under these Terms, address a Claim, comply with law, or protect its rights. This obligation does not apply to information that is publicly available without breach of these Terms, independently developed without use of confidential information, rightfully received without a confidentiality duty, or required to be disclosed by law.

8.3 Required Disclosures. A party that is legally required to disclose confidential information may do so, provided that it gives advance notice where legally permitted and reasonably cooperates with requests for protective treatment.

9. Intellectual Property, Acceptable Use, and Prohibited Conduct

9.1 Platform Rights. The Company and its licensors retain all rights, title, and interest in and to the Platform, its software, tools, content, and features, excluding Business Content and Consumer Content. Subject to these Terms, the Company grants the Business a limited, nonexclusive, nontransferable, revocable right to access and use the Business Portal for its internal business purposes.

9.2 Business Content License. The Business retains its rights in Business Content. The Business grants the Company a nonexclusive, worldwide, royalty-free license to host, reproduce, process, transmit, display, and use Business Content solely to operate, maintain, improve, secure, and provide the Platform and Administrative Services, including displaying approved Business responses as permitted by Section 7.

9.3 Acceptable Use. The Business must use the Platform only in compliance with these Terms and applicable law. The Business must not interfere with Platform operation, attempt unauthorized access, introduce malicious code, use automated means to access the Platform except as expressly authorized, infringe another person's rights, submit unlawful or deceptive content, or use Platform information for an unlawful purpose.

9.4 No Retaliation. The Business must not retaliate against a Consumer for submitting a report, requesting Administrative Services, making a settlement decision, declining a proposed settlement, or exercising a right under these Terms. Retaliation includes threats, harassment, discriminatory treatment, adverse action, coercion, or attempts to suppress lawful Consumer expression.

10. Disclaimers

10.1 Platform Availability. The Platform and Administrative Services are provided on an "as available" basis. The Company does not warrant that the Platform will be uninterrupted, error-free, secure in all circumstances, or available at every time or place.

10.2 No Outcome Guarantee. The Company does not guarantee that a Claim will be resolved, that a Consumer or Business will respond, that any offer will be accepted, or that use of the Platform will avoid a dispute or legal proceeding.

10.3 Third-Party Content. Consumer Content and Business Content reflect the statements of their respective submitters. The Company does not adopt or guarantee third-party content and is not required to independently verify it.

10.4 No Legal Services. The Company is not a law firm. The Company does not provide legal advice, legal opinions, or legal representation, does not select legal claims or remedies, and does not own or control any Consumer Claim.

11. Limitation of Liability

11.1 Liability Cap. The Company's aggregate liability arising from these Terms will not exceed the greater of fees paid by the Business during the twelve months preceding the event giving rise to liability or one thousand dollars ($1,000). The limitations do not apply to fraud, willful misconduct, gross negligence, confidentiality breaches, misuse of personal information, indemnification obligations, or liability that cannot be limited by law.

11.2 Excluded Damages. To the maximum extent permitted by law, the Company will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, goodwill, data, or business opportunities, arising from these Terms or use of the Platform.

12. Business Indemnification

12.1 Indemnification. The Business will indemnify, defend, and hold harmless the Company and its officers, directors, employees, and agents from third-party claims, damages, losses, liabilities, costs, and expenses, including reasonable attorney fees, arising from the Business's breach of these Terms, Business Content, use of the Platform, conduct in an underlying consumer transaction, or violation of applicable law.

12.2 Procedures. The Company will promptly notify the Business of an indemnified claim, subject to no loss of indemnification except to the extent materially prejudiced by delay. The Business may control the defense of the claim with counsel reasonably acceptable to the Company, but may not settle a claim in a manner that admits fault by, imposes liability on, or requires action by the Company without the Company's prior written consent.

13. Term, Suspension, and Termination

13.1 Term. These Terms begin when the Business first accepts them and continue while the Business maintains an Account or uses the Business Portal.

13.2 Suspension. The Company may suspend access to the Business Portal or particular features if the Company reasonably believes the Business has breached these Terms, submitted fraudulent or unlawful Business Content, compromised Account security, engaged in prohibited retaliation, or failed to pay an undisputed accepted fee after notice and a reasonable opportunity to cure.

13.3 Termination by Business. The Business may terminate its Account by notice through the Platform. Termination does not eliminate fees validly incurred under an accepted Fee Schedule before the effective termination date.

13.4 Termination by Company. The Company may terminate the Business's Account for a material breach not cured within a reasonable period after notice, or immediately if continued access would create a material security, legal, or safety risk.

13.5 Effect of Termination. Upon termination, the Business's access rights end, except that the Company may retain and use information as permitted by these Terms and applicable privacy policies. Termination does not alter the status of a Consumer's Claim or restrict a Consumer's independent decisions about the Claim.

14. Governing Law and Dispute Resolution

14.1 Governing Law. These Terms are governed by the laws of the State of Wyoming, without regard to conflict of laws principles.

14.2 Dispute Resolution. Any dispute between the Company and the Business arising from these Terms that is not resolved through good-faith negotiation within thirty (30) days will be finally resolved by binding arbitration administered in Casper, Wyoming under the rules of a nationally recognized arbitration administrator selected by the Company and identified in the applicable Fee Schedule or Order Form, before a single arbitrator. Either party may bring an individual action in small claims court. The Business waives participation in class or representative proceedings against the Company.

15. Notices

15.1 Notices. Notices to the Company must be sent through the Platform or by mail to REPORT A SCAM LLC, 5830 E 2nd St Ste 7000, Casper, Wyoming 82609, and by email to legal@reportascam.com. Notices to the Business are given through the Platform dashboard or to the email address on file. Notices are deemed received on the earlier of actual receipt or the first business day after transmission.

16. Survival

16.1 Survival. Sections 1 (Definitions), 5 (Fees and Payment Terms), 6 (Settlement), 7 (Business Public Profile), 8 (Privacy and Confidentiality), 9 (Intellectual Property, Acceptable Use, and Prohibited Conduct), 10 (Disclaimers), 11 (Limitation of Liability), 12 (Business Indemnification), 14 (Governing Law and Dispute Resolution), 15 (Notices), 16 (Survival), and 17 (Miscellaneous) survive termination to the extent necessary to give them effect.

17. Miscellaneous

17.1 Incorporation and Precedence. These Terms incorporate the Business Privacy Policy. The Business Resolution Program Subscription Agreement and any Order Form are supplements to these Terms and control only as to their specific subject matter. These Terms control in all other respects unless a supplement expressly provides otherwise.

17.2 Amendments. The Company may update these Terms by providing notice through the Platform or the Business's email address on file. A material change will require the Business's affirmative acceptance before it applies to the Business, except where a change is required by law or is necessary to address an urgent security or legal risk.

17.3 Corporate Assignment of Agreement. The Company may assign these Terms in connection with a merger, reorganization, sale of substantially all assets, or other transfer of control. The Business may not assign these Terms without the Company's prior written consent. Subject to the foregoing, these Terms bind and benefit the parties and their respective successors and permitted assigns.

17.4 Independent Contractors. The parties are independent contractors. These Terms do not create a partnership, joint venture, employment, agency, fiduciary, or other special relationship between the parties.

17.5 Severability. If a provision of these Terms is held invalid or unenforceable, it will be enforced to the maximum extent permitted by law, and the remaining provisions will remain in effect.

17.6 No Waiver. A waiver is effective only if in writing and signed by the waiving party. A failure or delay in exercising a right is not a waiver.

17.7 Force Majeure. Neither party is liable for a delay or failure to perform caused by events beyond its reasonable control, except for payment obligations for services already provided.

17.8 Headings. Headings are for convenience and do not affect interpretation.

18. Acceptance

18.1 Separate Affirmative Acceptance. The Business may accept these Terms only through an electronic process that separately presents and records the Business Representative's affirmative acceptance of: these master Terms; each applicable Fee Schedule; each subscription renewal term; the dispute-resolution provision in Section 14; and each recurring charge authorization. No preselected checkbox or implied consent is sufficient for a required acceptance.

18.2 Electronic Records and Signatures. The Business consents to use electronic records and electronic signatures for these Terms and all related acceptances, and agrees that its electronic acceptance has the same legal effect as a handwritten signature to the extent permitted by the Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and the Uniform Electronic Transactions Act (UETA).

18.3 Acceptance Record. The Company will maintain a retrievable record of the version accepted, the accepted Fee Schedule or subscription renewal term, each separate acceptance, the date and time, and the identity or Account credentials associated with the Business Representative. The Business may obtain a copy through the Platform or by notice to the Company.