Terms of Service

1. Services

WorkSpeaks provides business-structuring guidance, educational resources, documentation support, funding-readiness preparation, business systems setup, website services, intake diagnostics, and decision-support consulting. WorkSpeaks does not provide legal, tax, investment, lending, credit-repair, or financial advice. WorkSpeaks does not act as a lender or broker, does not submit applications on your behalf, and does not make or influence any third-party approval decision. All lending, credit, grant, and funding decisions are made solely by the relevant third party.

2. Client Responsibilities

You agree to provide accurate information and understand that results vary based on your individual business, records, documentation, timing, and any third-party criteria. You are responsible for reviewing all terms of any product, service, or agreement before accepting it, and for consulting a qualified licensed professional where appropriate.

3. No Guarantees

WorkSpeaks does not guarantee funding, approvals, credit outcomes, leads, sales, search rankings, revenue, legal outcomes, or business results. Any figures, estimates, or examples are illustrative only and are not a promise of results.

4. Compliance

Our guidance is organizational and educational and is intended to be used in a manner consistent with applicable laws and regulations. You agree to use any materials and guidance honestly and not to misrepresent information to any third party.

5. Privacy

Your information is handled as described in our Privacy Policy and used only to provide the services outlined. See our Privacy Policy for details on data handling.

6. Limitation of Liability

WorkSpeaks is not liable for any losses, damages, or negative outcomes related to funding applications, credit decisions, business operations, or reliance on educational materials. Our role is advisory, organizational, and educational only.

7. Intellectual Property and License

All content on the WorkSpeaks site and in our materials, including but not limited to text, frameworks, intake questions, processes, documents, logos, graphics, and layouts (collectively, "WorkSpeaks Content"), is owned by WorkSpeaks or its affiliated rights holders, or licensed to us.

We grant you a limited, personal, non-exclusive, non-transferable license to access and view the WorkSpeaks Content solely for your own business use in connection with evaluating or using our services.

You may not copy, reproduce, distribute, publish, display, modify, create derivative works from, reverse engineer, decompile, disassemble, license, sell, or otherwise exploit any WorkSpeaks Content without our prior written permission.

You may not use any WorkSpeaks Content to build, market, or support a competing product or service.

8. Acceptable Use

You agree not to:

• Use the site or our services for any unlawful purpose.
• Misrepresent your identity, business, records, or financial information.
• Attempt to gain unauthorized access to any part of the site, our systems, or other users' data.
• Copy, scrape, or harvest WorkSpeaks Content or data for any competitive or commercial use without our written consent.
• Interfere with or disrupt the operation of the site or any related systems.

We may suspend or terminate your access to the site or our services if we believe you have violated these Terms or engaged in any abusive, fraudulent, or harmful conduct.

9. Governing Law

These Terms of Service are governed by the laws of the State of New York, without regard to its conflict of law rules. Any dispute arising out of or relating to these Terms or your use of the site or our services will be brought exclusively in the state or federal courts located in New York, and you consent to the personal jurisdiction of those courts.

10. Indemnification

You agree to indemnify and hold harmless WorkSpeaks, its owners, officers, and representatives from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the site or our services, (b) your violation of these Terms, or (c) your misrepresentation to any third party.

11. Changes to Terms

We reserve the right to update these terms at any time. Continued use of our services constitutes acceptance of updated terms.

12. Contact

Questions about these Terms can be sent to infoworkspeaks@gmail.com.