Legal Disclosures and Electronic Acceptance

Thank you for engaging with the LAC Family of Brands, operating under LAC & Brands LLC (Delaware). This document constitutes the master Terms of Service and Privacy Policy Agreement (“Agreement”), which is legally binding upon your access or use of any of our Services. This Agreement includes vital provisions related to mandatory arbitration, a class action waiver, and a strict finality of sale.

Please read all terms carefully. By accessing, using, or purchasing Services, or by completing this form, typing your name, and checking the required boxes, you are providing a legally binding electronic signature, enforceable under the U.S. E-SIGN Act. If you do not accept these terms in their entirety, you must immediately cease use of all Services.

LAC & Brands LLC and its Owned Brands (DBAs) Effective Date: May 30, 2025 (Revised: December 15, 2025)

TABLE OF CONTENTS

  1. Corporate Status, Domestication, and Acceptance

  2. Corporate Structure, Owned DBAs, and Affiliated Partners

  3. Use of Services, Eligibility, and Prohibited Conduct

  4. Service Descriptions and Brand-Specific Terms

    • 4.1 Owned Brands (DBAs)

    • 4.2 Affiliated Partners (NEXUS and TLCF)

  5. User Accounts, Deliverables, and Licensing

  6. Payments, Fees, Final Sale & Absolute Dispute Policy

  7. Intellectual Property Rights and Ownership

  8. Disclaimers, Warranties, and Ironclad Limitation of Liability

  9. Indemnification and Defense

  10. Privacy Policy and Data Protection

  11. Mandatory Arbitration and Absolute Class Action Waiver

  12. Miscellaneous and Jurisdictional Provisions

  13. Contact Information for Legal and Service Notices

1. CORPORATE STATUS, DOMESTICATION, AND ACCEPTANCE

1.1 Governing Entity: LAC & Brands LLC is the primary, governing, and billing entity for all owned business operations. Following a corporate domestication from Georgia, LAC & Brands LLC is now organized and operating exclusively under the laws of the State of Delaware.

1.2 Agreement: This Agreement governs your relationship with LAC & Brands LLC and its Owned Brands (DBAs). Your use of the Services, websites, or platforms confirms your absolute, unconditional acceptance of these terms.

1.3 Binding Nature: You acknowledge and affirm that this Agreement is a legally binding contract enforceable against you. If you are accepting on behalf of a company or legal entity, you represent that you have the full authority to bind that entity to this Agreement.

2. CORPORATE STRUCTURE, OWNED DBAS, AND AFFILIATED PARTNERS

2.1 Owned Brands (DBAs): LAC & Brands LLC (Delaware) is the sole owner and legally responsible entity for all business activities conducted under the following names, which are registered Doing Business As (DBA) names of LAC & Brands LLC:

  • LAC Brands

  • LAC Legal Services

  • LAC Creative

  • LAC Properties

  • LAC Nest Collection

  • Block Industries

  • Bless Yo Belly

2.2 Affiliated Partners (Independent Entities): The following entities are affiliated solely through strategic guidance or non-profit missions and are not owned, managed, billed, or liable by LAC & Brands LLC:

  • NEXUS (formerly Grid Mobile)

  • The Luc Cochran Foundation Inc. (TLCF)

3. USE OF SERVICES, ELIGIBILITY, AND PROHIBITED CONDUCT

You must be of legal age (18 or older) or possess valid parental consent to enter into this Agreement. You covenant and warrant that your use of the Services will strictly comply with all applicable local, state, federal, and international laws and regulations. Any use of the Services for unlawful, fraudulent, defamatory, harassing, or unauthorized purposes is strictly prohibited and constitutes a material breach of this Agreement.

4. SERVICE DESCRIPTIONS AND BRAND-SPECIFIC TERMS

4.1 Owned Brands (DBAs): Services provided by the DBAs listed in Section 2.1 are governed by this master Agreement, including the final sale policy. Where an Owned Brand publishes additional, specific terms (e.g., a lease agreement for LAC Properties), those terms apply concurrently and supplement this Agreement.

4.2 Affiliated Partners (NEXUS and TLCF): These independent entities maintain their own distinct legal policies, billing practices, and liability structures. Engagement with these partners constitutes acceptance of their individual, separate agreements, and LAC & Brands LLC expressly disclaims all responsibility and liability for the services, actions, and transactions of NEXUS and TLCF.

5. USER ACCOUNTS, DELIVERABLES, AND LICENSING

You are solely responsible for maintaining the confidentiality and integrity of your account credentials. All deliverables, work product, licensed materials, and intellectual property resulting from Services (e.g., LAC Creative) are strictly governed by written contracts and licensing terms. In the absence of specific written terms, all intellectual property rights remain vested with LAC & Brands LLC.

6. PAYMENTS, FEES, FINAL SALE & ABSOLUTE DISPUTE POLICY

This entire Section 6 applies exclusively to the Owned Brands (DBAs) of LAC & Brands LLC.

6.1 Final Sale and No Refund Policy: All payments for services, subscriptions, and products are considered FINAL SALE. LAC & Brands LLC maintains an absolute, iron-strong policy of NO MONETARY REFUNDS FOR ANY REASON, EVER, once a transaction is processed and the product or service has been delivered or accessed. By making a purchase, you acknowledge that you voluntarily and expressly waive any right to demand a monetary refund.

6.2 Courtesy Credits (Discretionary Remedy): In the event of a documented service issue or dissatisfaction, LAC & Brands LLC may, at its sole and absolute discretion, offer a Courtesy Credit toward future purchases from the Owned Brands. These credits are a non-cash, non-transferable discretionary remedy offered in lieu of refunds and shall not be interpreted as an admission of liability or a waiver of the no-refund policy.

6.3 Chargebacks and Disputes (Breach of Contract): You agree that initiating a chargeback, payment reversal, or financial dispute with your bank or payment processor constitutes a material breach of this Agreement and an unauthorized attempt to circumvent the Final Sale Policy. LAC & Brands LLC reserves the right to vigorously contest all chargebacks and to pursue recovery of the original amount, plus all associated bank fees, processing fees, administrative costs, and legal expenses.

6.4 Legal Limitation: Notwithstanding the foregoing, if a refund is legally compelled by a court of competent jurisdiction or mandatory consumer protection law, such refund shall be strictly limited to the original order amount and only for transactions that occurred within the immediately preceding thirty (30) days from the date the refund is legally required.

7. INTELLECTUAL PROPERTY RIGHTS AND OWNERSHIP

All content, trademarks, logos, designs, software, and proprietary materials owned or licensed by LAC & Brands LLC and its DBAs are protected by applicable intellectual property laws. No right or license to use any Intellectual Property is granted to you, except as expressly set forth in a written licensing agreement.

8. DISCLAIMERS, WARRANTIES, AND IRONCLAD LIMITATION OF LIABILITY

8.1 ABSOLUTE DISCLAIMER: ALL SERVICES, PRODUCTS, AND PLATFORMS ARE PROVIDED "AS IS," "WHERE IS," AND "AS AVAILABLE" WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR TITLE. LAC & BRANDS LLC AND ITS DBAS DO NOT WARRANT THAT SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

8.2 IRONCLAD LIMITATION OF LIABILITY: TO THE FULLEST EXTENT PERMITTED BY DELAWARE LAW, IN NO EVENT SHALL LAC & BRANDS LLC, ITS DBAS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, LOST PROFITS, LOST REVENUE, LOSS OF DATA, OR LOSS OF BUSINESS OPPORTUNITY), WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE TOTAL CUMULATIVE LIABILITY OF LAC & BRANDS LLC FOR ANY CLAIM ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICES SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO LAC & BRANDS LLC FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE CLAIM.

9. INDEMNIFICATION AND DEFENSE

You agree to indemnify, defend, and hold harmless, to the fullest extent legally permissible, LAC & Brands LLC, its DBAs, officers, employees, and agents from and against any and all claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys' fees and litigation expenses) arising out of or relating to: (a) your violation of any term or provision of this Agreement, (b) your misuse or unauthorized use of the Services, or (c) any violation of law or the rights of a third party by you or any person using your account.

10. PRIVACY POLICY AND DATA PROTECTION

We collect, use, and protect your personal information in accordance with applicable privacy laws and the specific privacy policies maintained by each of our Owned Brands (DBAs). By using the Services, you consent to the collection and use of your data as described in our Privacy Policy. Data collected may include contact details, payment information, usage data, and communications. We implement industry-standard security measures and do not sell your personal data.

11. MANDATORY ARBITRATION AND ABSOLUTE CLASS ACTION WAIVER

11.1 Mandatory Binding Arbitration: By accessing or using any service, website, property, or platform affiliated with LAC & Brands LLC (including its DBAs), you agree that any and all disputes, claims, or controversies arising out of or relating to this Agreement or the Services shall be resolved exclusively through final and binding, confidential arbitration. Arbitration shall be conducted in accordance with the rules of the American Arbitration Association (AAA).

11.2 Absolute Class Action Waiver: You and LAC & Brands LLC agree that all claims must be brought solely in an individual capacity, and not as a plaintiff, representative, or class member in any purported class action, collective action, or representative proceeding. You expressly and knowingly waive all rights to initiate or participate in any class action lawsuit, class arbitration, or collective action against LAC & Brands LLC or its DBAs.

11.3 Venue and Governing Procedure: Arbitration shall take place in Clayton County, Georgia, unless otherwise mutually agreed upon in writing. This waiver applies to all claims, known or unknown, regardless of legal theory. If any court determines that the class action waiver is unenforceable, the parties agree that the entire arbitration clause shall be null and void.

12. MISCELLANEOUS AND JURISDICTIONAL PROVISIONS

  • Governing Law: This Agreement is governed by and construed exclusively in accordance with the substantive laws of the State of Delaware, without regard to its conflict of laws principles.

  • Severability: If any provision of this Agreement is found to be illegal, invalid, or unenforceable by an arbitrator or court of competent jurisdiction, that provision will be modified to the minimum extent necessary to make it legal, valid, and enforceable, and the remaining provisions shall remain in full force and effect.

  • Entire Agreement: This document constitutes the entire understanding between you and LAC & Brands LLC, superseding all prior or contemporaneous agreements, understandings, or representations.