1. Use of Our Services

You agree to:

• Use our Services only for lawful purposes and in compliance with all applicable federal, state, and local laws, including the Fair Debt Collection Practices Act (FDCPA).
• Acknowledge that all communications with us, including phone calls, emails, SMS, or chats, may be recorded and monitored for quality assurance, training, and legal compliance.
• Not use our Services to engage in fraudulent, abusive, or harassing behavior.
• Not attempt to reverse-engineer, decompile, or otherwise interfere with the functionality of our AI-driven tools or Services.

2. Account Information

We require certain information to provide our Services effectively:

• You must provide accurate, current, and complete information (e.g., name, contact details, payment information) when interacting with us or creating an account.
• You are responsible for maintaining the confidentiality of your account credentials (e.g., usernames, passwords) and for all activities under your account.
• Notify us immediately at help@cloom.ai if you suspect unauthorized use of your account.

3. Payment Terms

Payments are a key part of our debt collection and financial advisory Services:

• Payments made through our website or third-party payment processors are subject to verification and approval.
• We may require additional documentation to process payments or validate transactions.
• We are not responsible for errors, delays, or fees caused by third-party payment processors or your financial institution.
• All payments are non-refundable unless otherwise required by law or explicitly agreed upon in writing.
• Failure to make timely payments may result in additional collection efforts or reporting to creditors, consistent with applicable laws.

4. Limitation of Liability

We strive to provide reliable Services but cannot guarantee perfection:

• To the fullest extent permitted by law, Cloom.ai is not liable for any indirect, incidental, special, consequential, or punitive damages (e.g., loss of profits, data, or goodwill) arising from your use of our Services.
• We do not guarantee uninterrupted, error-free, or secure access to our Services, as disruptions may occur due to maintenance, technical issues, or external factors beyond our control.
• Our total liability to you for any claim arising from these Terms or your use of the Services will not exceed the amount you have paid us in the past 12 months, if any.
• Advice provided by our AI tools is for informational purposes only and does not constitute legal, financial, or professional advice. Consult a qualified professional for specific guidance.

5. Intellectual Property

All content, features, and functionality of our Services (e.g., text, graphics, AI algorithms, code) are owned by Cloom.ai or our licensors and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or reproduce any part of our Services without our prior written consent.

6. Termination

We reserve the right to suspend or terminate your access to our Services at our sole discretion, with or without notice, if you violate these Terms, engage in fraudulent activity, or for any other reason we deem necessary to protect our interests or other users. Upon termination, your right to use the Services will cease immediately.

7. Governing Law and Dispute Resolution

These Terms are governed by the laws of the United States and the State of Florida, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our Services will be resolved through binding arbitration in Florida, in accordance with the rules of the American Arbitration Association, except where prohibited by law. You waive any right to participate in a class action lawsuit or class-wide arbitration.

8. Changes to These Terms

We may update these Terms from time to time to reflect changes in our Services or legal requirements. The updated Terms will be posted on this page with a revised March 1, 2025. Your continued use of the Services after such changes constitutes your acceptance of the new Terms.

9. Contact Us

For questions, concerns, or inquiries about these Terms, please contact us at:

Email: help@cloom.ai