These Terms & Conditions (“Terms,” “Agreement”) govern your access to and use of www.otterz.co (the “Website”), owned and operated by Otterz Inc., a Delaware corporation (“Otterz,” “we,” “us,” or “our”).

By accessing or using this Website in any manner, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree, you must discontinue use of the Website immediately.

1. DEFINITIONS

For clarity, the following terms are used throughout this Agreement:

• “Website” refers to otterz.co, its subdomains, content, design, code, and all services made available through it.
• “User,” “you,” “your” refer to any individual, visitor, or entity using or accessing the Website.
• “Content” refers to all text, graphics, images, data, articles, forms, videos, and materials made available by Otterz.
• “Otterz Services” refers to professional services (bookkeeping, accounting, CFO, controller, payroll, tax services, advisory, etc.) offered by Otterz but not provided through this Website, unless explicitly stated.

2. WEBSITE USE RULES

2.1 Acceptance of Terms

Using the Website signifies your acceptance of these Terms. You may not use the Website for any unlawful or prohibited purpose.

2.2 Age Restriction

You must be 18 years or older to access or use the Website. By using the Website, you represent that you meet this age requirement.

2.3 Prohibited Activities

You agree that you will not:

• Access or attempt to access the Website using automated tools (bots, crawlers, scrapers) without written permission.
• Interfere with Website security, integrity, or performance.
• Introduce viruses, worms, malware, or harmful code.
• Attempt unauthorized access to servers, databases, or systems.
• Reverse-engineer, decode, or decompile Website code.
• Use the Website for fraudulent, harmful, abusive, or illegal purposes.
• Collect personal data from the Website without permission.
• Impersonate Otterz staff or misrepresent your affiliation.

Otterz reserves the right to suspend or terminate access for any user violating these rules.

3. INTELLECTUAL PROPERTY RIGHTS

3.1 Ownership

All Website content—including but not limited to design, layout, text, graphics, images, videos, forms, compilation, underlying software, and structure—is the exclusive property of Otterz Inc. and is protected by U.S. and international copyright, trademark, and intellectual property laws.

3.2 License to Use Website

Otterz grants you a limited, non-exclusive, non-transferable, revocable license to access the Website for personal and informational use only.

3.3 Restrictions

You may not:

• Copy, distribute, modify, transmit, or publicly display Website content.
• Reproduce or republish content without written consent.
• Sell, license, or exploit Website content commercially.

3.4 Trademark Notice

“OTTERZ,” the Otterz logo, brand elements, and related marks are trademarks of Otterz Inc. Unauthorized use is strictly prohibited.

4. USER RESPONSIBILITIES

You agree to:

• Provide truthful, accurate, and complete information when interacting with the Website.
• Not engage in actions that violate any applicable local, state, or federal laws.
• Not infringe upon Otterz’s IP rights or the rights of third parties.
• Maintain the confidentiality of any login or form-submitted information.

Users assume full responsibility for the accuracy of information they provide.

5. THIRD-PARTY LINKS & INTEGRATIONS

5.1 External Websites

The Website may contain links to third-party resources for convenience. Otterz does not control or endorse these sites.

Otterz is not liable for:

• The accuracy or reliability of external content
• Data collection practices of third-party sites
• Damage or loss arising from third-party use

5.2 Third-Party Tools

Any third-party tools, integrations, or resources made available through the Website are used at your own risk and may have their own terms of use.

6. NO PROFESSIONAL ADVICE DISCLAIMER

6.1 Informational Only

All content provided on the Website is intended for general informational purposes only and should not be construed as:

• Accounting advice
• Tax advice
• Legal advice
• Financial or investment advice

6.2 No Client Relationship

Use of the Website does not create an accountant-client, advisor-client, or attorney-client relationship between you and Otterz.

6.3 Seek Professional Guidance

You should consult a qualified professional before making accounting, tax, business, or financial decisions.

7. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, Otterz shall not be liable for any:

• Direct, indirect, incidental, special, consequential, exemplary, or punitive damages
• Loss of revenue, data, profits, goodwill, or use
• Errors, inaccuracies, or outdated information on the Website
• Downtime, interruptions, delays, or inability to access the Website
• Harm caused by viruses, malware, cyber-attacks, or unauthorized access

Your sole remedy for dissatisfaction with the Website is to discontinue using it.

8. WARRANTIES AND DISCLAIMERS

Otterz provides the Website “as is” and “as available” without warranties of any kind, express or implied, including warranties of:

• Accuracy
• Reliability
• Fitness for a particular purpose
• Non-infringement
• Availability
• Timeliness

Otterz does not warrant that the Website will be error-free, uninterrupted, secure, or free of harmful components.

9. PRIVACY & COOKIES

9.1 Privacy Policy

Your use of the Website is also governed by our Privacy Policy, which explains how your data is collected, used, and protected.

9.2 Cookies Notice

We may use cookies or similar tracking technology. By using the Website, you consent to our use of cookies as described in our Privacy Policy.

10. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Otterz Inc., its owners, officers, employees, contractors, and affiliates from any claims, damages, losses, liabilities, costs, or expenses (including attorney’s fees) arising from:

• Your use or misuse of the Website
• Violation of these Terms
• Violation of any law or regulation
• Infringement of third-party rights

11. GOVERNING LAW

These Terms shall be governed by and interpreted in accordance with the laws of the State of Delaware, without regard to conflict-of-law principles.

12. DISPUTE RESOLUTION & ARBITRATION (NEW JERSEY)

12.1 Mandatory Binding Arbitration

All disputes arising out of or relating to these Terms or use of the Website shall be resolved exclusively through binding arbitration in the State of New Jersey.

12.2 Notice of Arbitration

All notices, claims, or requests must be submitted to:
hello@otterz.co

12.3 Costs & Legal Fees

You agree that:

• You will bear all legal fees, arbitration fees, attorney fees, and associated costs, regardless of the outcome.
• Otterz shall not be responsible for any of your legal expenses under any circumstance.

12.4 Individual Arbitration Only

You waive the right to:

• Participate in a class action
• File a class, consolidated, or representative action against Otterz

Only individual claims are permitted.

13. TERMINATION OF ACCESS

Otterz reserves the right to suspend, restrict, or terminate your access to the Website at any time, without notice, for conduct that violates these Terms or is harmful to the Website or other users.

14. CHANGES TO TERMS

Otterz may modify or update these Terms at any time. Updates will be posted on this page with a revised “Last Updated” date. Continued use of the Website constitutes acceptance of the updated Terms.

15. ENTIRE AGREEMENT

These Terms constitute the entire agreement between you and Otterz regarding use of the Website and supersede any prior agreements or understandings.

16. CONTACT INFORMATION

For questions about these Terms, please contact us at:
 📧 hello@otterz.co
 🌐 www.otterz.co