Effective Date: March 1, 2018 These Terms of Use (“Terms”) sets forth the terms and conditions under which Star Dial, LLC (“ExpertAdvice”, “we,” or “us”) provides you (the user) access to, and governs your use of, the website located at www.expertadviceapp.com (the Site), the ExpertAdvice App for iOS and Android, and the ExpertAdvice applications made available through the Site (the Software) and App, and the information, content, features and services provided through the Site (together with the Software, collectively, the Service). YOUR USE OF THE SITE AND/OR THE SERVICE, OR BY CLICKING “I ACCEPT” IF PRESENTED WITH THESE TERMS IN A CLICK-THROUGH FORMAT, SIGNIFIES YOUR AGREEMENT TO THESE TERMS AND CONSTITUTES YOUR BINDING ACCEPTANCE OF THE TERMS, INCLUDING ANY MODIFICATIONS THAT ExpertAdvice MAKES FROM TIME TO TIME. If you do not agree to these Terms, you may not use the Site or the Service. You may not use the Service and you may not accept these Terms if you are not eighteen years of age. If you accept these Terms, you represent that you have the legal capacity to be bound by them. ExpertAdvice may amend these Terms at any time by posting the amended Terms of Use on the Site, and you agree that you will be bound by any changes to these Terms. The date of last revision of these Terms is included at the top of this page. ExpertAdvice may make changes to the Site, App and/or the Service at any time. You understand that ExpertAdvice may discontinue or restrict your use of the Site, App, and/or the Service for any reason or no reason with or without notice. 1. Privacy Policy. By clicking “I ACCEPT” or using the Site, App, or Service, you represent that you have read and consent to our Privacy Policy in addition to these Terms. ExpertAdvice may revise the Privacy Policy at any time, and the new versions will be posted on the Site. If at any point you do not agree to any portion of the Privacy Policy, you must immediately stop using the Site and/or the Service. 2. The Services. ExpertAdvice provides a service that allows everyday people to have real time interaction with experts. ExpertAdvice does not represent or control any of the experts who utilize this service. Instead, it merely provides an opportunity for those experts to connect with their followers. ExpertAdvice reserves the right to add, change, modify, suspend or discontinue any portion of the Service, in its sole discretion, at any time. Your use of the Site, app, and/or the Service, including the availability of new services through the Site, shall be subject to these Terms. In addition, ExpertAdvice may impose limits on any portion of the Service or restrict your access to portions of or the entire Site in its sole discretion without notice or liability. ExpertAdvice also cease to offer its services at any time for any reason, including without cause. 3. Refunds, returns, and exchanges. Your affirm that your sole remedy for dissatisfaction with the Site, Service, or App is to discontinue your use and that ExpertAdvice shall be under no obligation to refund any payments made by you. You further agree, as outlined in these Terms, that ExpertAdvice’s the maximum amount of monetary damages that you may collet against ExpertAdvice for any claim (including, but not limited to breach of contract, tort, negligence, or strict liability) shall be capped at $100. 4. Internet Access. You are responsible for any Internet connection and telecommunication fees and charges that you incur when accessing the Site and/or the Service. You also affirm your understanding that use of the Service requires reliable internet access on the part of all users and that the reliability of such access may be unpredictable, resulting in a loss of use. You further agree that ExpertAdvice shall not be responsible for any loss of use of inability to utilize the Service or Site due to internet access interruptions, regardless of the cause of such disruptions. 5. Accounts. To use certain portions of the Site and Service, you will be directed to register on the Site and create a user profile or account (Account). Eligibility is limited to persons over the age of 13 or to persons who have reached the age of majority in their countries of residence. Void in countries on the United States list of embargoed countries. As part of the registration process, you will be asked to register an account using you Facebook or Twitter account. You agree that all information you provide to ExpertAdvice for purposes of creating an account (Registration Information) will be true, accurate, current, and complete and your failure to provide such information shall constitute a breach of these Terms and may result in the immediate termination of your Account. You shall (i) promptly update your Registration Information to keep it true, accurate, current and complete; and (ii) maintain the confidentiality of your password. In creating an Account, you shall not (a) select or use the email address or user name of another person with the intent to impersonate that person, (b) use a name subject to the rights of any other person without authorization, (c) use an email address or user name that is profane, offensive or otherwise inappropriate or (d) allow any other party to use your Account and/or password except as set forth herein. You may not share or transfer any Account. You may not disclose your password to anyone. You agree to immediately notify ExpertAdvice by sending an email to service@ExpertAdvice.com of any known or suspected unauthorized use(s) of your Account or any known or suspected breach of security, including loss, theft or unauthorized disclosure of your password. You understand and agree that you shall be liable for all activities that occur under any Account created for your use, even if such activities were not committed by you. ExpertAdvice is not responsible for any loss or damage arising from your failure to maintain the confidentiality of your password. 6. Termination of Account. You understand and agree that you have no ownership rights in your Account and ExpertAdvice may stop offering the Service at any time. Further, ExpertAdvice may cancel your Account, delete all of your Registration Information and any other information you have provided through the Site (collectively, User Content) associated with your Account at any time, without notice, for any reason or no reason including, without limitation, your violation of this ToU. ExpertAdvice will not be liable for any damages or loss resulting from the removal of any User Content from the Site and/or the Service. You may cancel your Account at any time and cancellation will take effect immediately. ExpertAdvice reserves the right to temporarily or permanently restrict or block access to the Site and/or the Service to any users who have had their Accounts cancelled. 7. Limited License to Use Site and Service. Subject to all of the terms and conditions contained herein, ExpertAdvice hereby grants you a limited, non-exclusive, personal, non-sublicensable, non-assignable license to access and use the Site and Service. The Site and Service may only be used for personal and non-commercial purposes and must at all times be used in accordance with these Terms and rules, restrictions and/or documentation set forth by ExpertAdvice from time to time. All modifications and enhancements to the Site and Service remain the sole property of ExpertAdvice. You agree not to license, create derivative works from, transfer, sell or re-sell any information, content, or services obtained from the Site. You understand that ExpertAdvice, in its sole discretion, may at any time and for any reason suspend or terminate any license hereunder and disable the Site, or any part thereof including any Service, without prior notice. ExpertAdvice reserves the right to add or remove features or functions to the Site or Service at any time in its sole discretion. Notwithstanding anything to the contrary herein, you may not: (i) cause, permit or authorize the modification, creation of derivative works, translation, reverse engineering, decompiling, disassembling or hacking of the Site or Service; (iii) sell, assign, rent, lease, act as a service bureau, or grant rights in the Site or Service, including, without limitation, through sublicense, to any other entity without the prior written consent of ExpertAdvice; or (iv) make any false, misleading or deceptive statement or representation regarding ExpertAdvice and/or the Site or Service. 8. Use of Site and Service. You agree that you will not, in connection with your use of the Site, or Service, violate any applicable law or regulation. Without limiting the foregoing, you agree not to (i) make available through the Site any material or information that infringes any copyright, trademark, patent, trade secret, or other right of any party (including rights of privacy or publicity); (ii) institute, assist, or become involved in any type of attack including, without limitation, denial of service attacks, upon the Site and/or the Service or otherwise attempt to disrupt the Site and/or the Service or any other person’s use of the Site and/or the Service; or (iii) attempt to gain unauthorized access to the Site, Service, Accounts registered to other users, or the computer systems or networks connected to the Site and/or the Service. Furthermore, you may not use the Site to develop, generate, transmit or store information that: (a) is defamatory, harmful, abusive, obscene, sexually oriented or hateful; (b) in any way obstructs or otherwise interferes with the normal performance of another person’s use of the Site and/or the Service, (c) performs any unsolicited commercial communication not permitted by applicable law; (d) constitutes harassment or a violation of privacy or threatens other people or groups of people; (e) is harmful to children in any manner; (f) violates any applicable law, regulation or ordinance; (g) makes any false, misleading or deceptive statement or representation regarding ExpertAdvice and/or the Site or Service or (h) constitutes phishing, pharming or impersonates any other person, or steals or assumes any person’s identity (whether a real identity or online nickname or alias). You agree that you will not (i) obtain or attempt to obtain any information from the Site including, without limitation, email information of other Account holders or other Software data; (ii) intercept, examine or otherwise observe any proprietary communications protocol used by the Site or Software, whether through the use of a network analyzer, packet sniffer or other device; or (iii) use any type of bot, spider, virus, clock, timer, counter, worm, software lock, drop dead device, Trojan-horse routing, trap door, time bomb or any other codes, instructions or third-party software that is designed to provide a means of surreptitious or unauthorized access to, or distort, delete, damage or disassemble, the Site or Software. You understand that all data, information, text, software, graphics, video, messages, tags, or other materials (Content), whether publicly posted or privately transmitted, on the Site or through the use of the Site or the Service, are the sole responsibility of the person posting or transmitting such Content. ExpertAdvice does not control the Content posted on the Site or transmitted through the use of the Site or the Service and, as such, ExpertAdvice does not guarantee, and shall not be responsible for any deficiencies relating to, the accuracy, reliability or quality of such Content. Further, you acknowledge that ExpertAdvice may or may not pre-screen Content that is displayed on the Site or transmitted through the use of the Site or the Service. You understand that by visiting the Site or using the Service, you may be exposed to Content that you may consider to be offensive, indecent or objectionable. Under no circumstances will ExpertAdvice be liable in any way for any user-generated Content including, but not limited to, any errors or omissions in any Content, or any loss or damage of any kind incurred as a result of the use of any Content posted, emailed, transmitted or otherwise made available on the Site or through the use of the Site or the Service. The Site may provide forums and/or chat features enabling users to post user observations and comments. We cannot guarantee that other members or users will not use the ideas and/or information that you share. If you have ideas and/or information that you want to remain confidential and/or do not want others to use, do not post them via the Site. We shall have no responsibility to evaluate, use or compensate you for any ideas and/or information that you submit on the Site or through the use of the Site or Service. All comments, feedback, suggestions, ideas, and other submissions that you disclose, submit or offer to us in connection with your use of the Site or Service, such as your suggestions regarding improvements that we make to the Site or Service (collectively, Comments) will become our exclusive property. Such disclosure, submission or offer of any Comments shall constitute an assignment to us of all worldwide right, title and interest in all patent, copyright, trademark, and all other intellectual property and other rights whatsoever in and to the Comments and a waiver of any claim based on moral rights, unfair competition, breach of implied contract, breach of confidentiality, and any other legal theory relating to submissions. Thus, we will own exclusively all such right, title and interest and shall not be limited in any way in the use, commercial or otherwise, of any Comments. You should not submit any Comments to us if you do not wish to assign such rights to us. We are and will be under no obligation: (i) to maintain any Comments in confidence; (ii) to pay to you or any third party any compensation for any Comments; or (iii) to respond to any Comments. You are and shall remain solely responsible for the content of any Comments you make. By posting Comments or any other content, you warrant and represent that you own the rights to such or are otherwise authorized to post, distribute, display, perform, transmit, or otherwise distribute such Comments and content and grant us the right to do the same. You hereby irrevocably waive any claims based on moral rights and similar theories, if any. Your User Content, and the contents of all of your Comments and other online communications (including without limitation chat text, voice communications, IP addresses and your personal information) may be accessed and monitored as necessary to provide the Service and may be disclosed: (i) when we have a good faith belief that we are required to disclose the information in response to legal process (for example, a court order, search warrant or subpoena); (ii) to satisfy any applicable laws or regulations (iii) where we believe that the Site or Service is being used in the commission of a crime, including to report such criminal activity or to exchange information with other companies and organizations for the purposes of fraud protection and credit risk reduction; (iv) when we have a good faith belief that there is an emergency that poses a threat to the health and/or safety of you, another person or the public generally; and (v) in order to protect the rights or property of ExpertAdvice, including to enforce these Terms. By entering into these Terms, you hereby provide your irrevocable consent to such monitoring, access and disclosure. When accessing the Site you agree to obey the law and to respect the intellectual property rights of others. Your use of the Site is at all times governed by and subject to laws regarding copyright ownership and use of intellectual property. You agree not to upload, download, display, perform, transmit, or otherwise distribute any information or content in violation of any third party’s copyrights, trademarks, or other intellectual property or proprietary rights. You shall be solely responsible for any violations of any relevant laws and for any infringements of third party rights caused by any content you provide or transmit, or that is provided or transmitted using your account. The burden of proving that any content does not violate any laws or third party rights rests solely with you. The Site and the Service are operated by ExpertAdvice in the United States. Those who choose to access the Site, and/or the Service from locations outside the United States do so on their own initiative and are responsible for compliance with applicable local laws. 9. Third-Party Products. Third party services, content, information and products may be made available by ExpertAdvice on or through the Site (Third Party Products). Third Party Products are provided solely for the convenience of Site users and ExpertAdvice makes no representations or warranties regarding any Third Party Products and takes no responsibility and assumes no liability for any Third Party Products. Third Party Products are subject to the applicable terms and policies of the third parties that offer them. 10. Hyperlinks. Links from the Site. The Site may contain links to websites operated by other parties. ExpertAdvice provides these links to other websites as a convenience, and use of these sites is at your own risk. The linked sites are not under the control of ExpertAdvice, and ExpertAdvice is not responsible for the content available on the other sites. Such links do not imply ExpertAdvice’s endorsement of information or material on any other site and ExpertAdvice DISCLAIMS ALL LIABILITY WITH REGARD TO YOUR ACCESS TO AND USE OF SUCH LINKED WEBSITES. Links to the Site. You may not place a link to the Site on another website without our prior written consent and, without limiting the foregoing, you must adhere to ExpertAdvice’s linking policy as follows: (i) the appearance, position and other aspects of the link may not be such as to damage or dilute the goodwill associated with ExpertAdvice and/or its licensors’ names and trademarks, (ii) the appearance, position and other attributes of the link may not create the false appearance that your organization or entity is sponsored by, affiliated with, or associated with ExpertAdvice, (iii) when selected by a user, the link must display the Site on full-screen and not within a frame on the linking site, and (iv) ExpertAdvice reserves the right to revoke its consent to the link at any time and in its sole discretion. 11. ExpertAdvice Intellectual Property and Intellectual Property Infringement. The interfaces, content, arrangement and layout of the Site including, but not limited to, the ExpertAdvice trademark and logo, designs, text, artwork, graphics, images, buttons, user interfaces, information and other content, and any compilation of the foregoing (ExpertAdvice Intellectual Property) are the property of ExpertAdvice, except where otherwise noted, and are protected from copying, imitation, communication, or simulation under U.S. and international laws and may not be reproduced, modified, communicated, displayed, distributed, or transmitted without the prior written permission of ExpertAdvice. You understand and acknowledge that, by visiting the Site, you do not acquire or obtain by implication or otherwise, any license or right to use or make additional copies of any materials or information displayed on the Site. You agree not to display or use any ExpertAdvice Intellectual Property or third party content located on the Site in any manner not expressly permitted under these Terms. We respect the copyrights of others and expect our users to do the same. We have a policy of terminating users who repeatedly infringe the copyrights of others. If you learn or believe that the Site or Service or any information on the Site, including any Content, infringes upon any copyright or other intellectual property that you own or control, you may file a notice under our Intellectual Property Policy. In the event of any third party claim that the Site or Service infringes that third party’s intellectual property rights, we will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim. 12. Disclaimer of Warranties. *This Section includes important disclaimers. Please read it carefully.* THE SITE, SOFTWARE AND THE SERVICE ARE PROVIDED ON AN AS IS AND AS AVAILABLE BASIS FOR YOUR USE, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, WARRANTIES OF SATISFACTORY QUALITY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND THOSE ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. ExpertAdvice MAKES NO WARRANTY AS TO THE QUALITY, ACCURACY, COMPLETENESS OR RELIABILITY OF ANY CONTENT AVAILABLE THROUGH, OR THE PERFORMANCE OF, THE SITE, THE SOFTWARE OR THE SERVICE. YOU ARE RESPONSIBLE FOR VERIFYING ANY INFORMATION BEFORE RELYING ON IT. USE OF THE SITE, THE SOFTWARE AND/OR THE SERVICE IS AT YOUR SOLE RISK. ExpertAdvice DOES NOT WARRANT THAT YOU WILL BE ABLE TO ACCESS OR USE THE SITE, THE SOFTWARE AND/OR THE SERVICE AT THE TIMES OR LOCATIONS OF YOUR CHOOSING; THAT THE OPERATION OF THE SITE, THE SOFTWARE OR THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE; THAT DEFECTS WILL BE CORRECTED; THAT THE SITE, THE SOFTWARE OR THE SERVICE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. ExpertAdvice PROVIDES NO WARRANTY OR GUARANTEE OF ANY KIND THAT THE SITE, THE SOFTWARE OR THE SERVICE WILL MEET YOUR EXPECTATIONS OR REQUIREMENTS. 13. Limitation of Liability; Sole and Exclusive Remedy. TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL ExpertAdvice OR ANY OF ITS AFFILIATES, TOGETHER WITH ITS RESPECTIVE DIRECTORS, OFFICERS, SHAREHOLDERS, EMPLOYEES, ATTORNEYS, AND AGENTS, BE LIABLE WITH RESPECT TO ANY SUBJECT MATTER OF THESE TERMS, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY OR OTHER LEGAL OR EQUITABLE THEORY FOR (I) FOR ANY LOST OR CORRUPTED DATA, LOST PROFITS, LOSS OR DAMAGE TO ANY COMPUTER, MOBILE PHONE OR OTHER DEVICE OR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR SPECIAL OR EXEMPLARY DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH ACCESS TO OR USE OF THE SITE, THE SOFTWARE AND/OR THE SERVICE, EVEN IF ExpertAdvice AND/OR ITS AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; (II) THE USE OR THE INABILITY TO USE THE SITE, THE SOFTWARE OR THE SERVICE; (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (IV) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SITE; (V) ANY OTHER MATTER RELATING TO THE SITE, THE SOFTWARE OR THE SERVICE; OR (VI) THE COST OF PROCURING SUBSTITUTE GOODS, SERVICES OR TECHNOLOGY. TO THE FULL EXTENT PERMISSIBLE UNDER APPLICABLE LAW, ExpertAdvice’S AGGREGATE LIABILITY TO YOU OR ANY THIRD PARTY IN ANY CIRCUMSTANCE SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100). YOU ACKNOWLEDGE AND AGREE THAT YOUR SOLE REMEDY FOR ANY PROBLEMS OR DISSATISFACTION WITH THE SITE, THE SOFTWARE, OR ANY PORTION OF THE SERVICE IS TO TERMINATE YOUR ACCOUNT AND DISCONTINUE USE OF THE SITE, THE SOFTWARE AND THE SERVICE. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, the liability of ExpertAdvice and its affiliates shall be limited to the fullest extent permitted by law. 14. Indemnification. You agree to defend, indemnify and hold ExpertAdvice, and its successors and assigns, and their respective officers, directors, affiliates, agents, attonreys, and employees harmless from and against any and all claims, actions, proceedings and suits and all related liabilities, losses, damages, judgments, settlements, penalties, fines, costs and expenses (including, without limitation, reasonable attorneys’ fees and costs) arising out of or relating to (i) your use or misuse of the Site, the Software or the Service, (ii) your breach or alleged breach of these Terms, including, without limitation, a breach or alleged breach of any representation or warranty by you in these Terms; (iii) your violation of any law, rule, regulation or rights of others in connection with your use of the Site, the Software or the Service, or (iv) infringement, violation or misappropriation of any copyright, trade secret, or any other intellectual property rights or the violation of any property or privacy right arising from any of the User Content or Comments that you post on the Site or transmit through the Service. 15. Governing Law; Jurisdiction. These Terms shall be governed by, and will be construed under, the laws of the United States of America and the law of the State of Louisiana, without regard to choice of law principles. All disputes arising out of or related to your use of the Site, the Software and/or the Service shall be subject to the exclusive jurisdiction of the state and federal courts located within Ouachita Parish, Louisiana and you agree to submit to the personal jurisdiction of such courts. 16. General. 16.1. Amendments/Revisions. These Terms may only be amended and/or revised in writing by ExpertAdvice (including by publishing such revisions by ExpertAdvice on the Site. 16.2. Relationship of Parties. You agree that no joint venture, partnership, employment, or agency relationship exists between you and ExpertAdvice as a result of these Terms or your use of the Site, the Software, or the Service. 16.3. Assignment. ExpertAdvice may assign these Terms, in whole or in part, to any person or entity at any time with or without your consent. You may not assign these Terms without ExpertAdvice's prior written consent, and any unauthorized assignment by you shall be null and void. 16.4. Severability. If any of the provisions of these Terms is found to be invalid or unenforceable, then that provision will be construed in a manner consistent with applicable laws to reflect, as nearly as possible, the original intentions of the parties, and the remaining provisions shall remain in full force and effect. 16.5. Attorneys' Fees. In the event any litigation is brought by either party in connection with these Terms, the prevailing party in such litigation shall be entitled to recover from the other party all the reasonable costs, attorneys' fees and other expenses incurred by such prevailing party in the litigation. 16.6. No Waiver. Our failure to enforce any provision of these Terms shall in no way be construed to be a present or future waiver of such provision, nor in any way affect the right of any party to enforce each and every such provision thereafter. The express waiver by us of any provision, condition or requirement of these Terms shall not constitute a waiver of any future obligation to comply with such provision, condition or requirement. 16.7. Notices. All notices given by you or required under these Terms shall be in writing and addressed to: ExpertAdvice, LLC, 175 Richland Place, Monroe, LA 71203, Attn: ExpertAdvice customer service. 16.8. Equitable Remedies. You hereby agree that ExpertAdvice would be irreparably damaged if the terms of these Terms were not specifically enforced, and therefore you agree that we shall be entitled, without bond, other security, or proof of damages, to appropriate equitable remedies with respect to breaches of these Terms, in addition to such other remedies as we may otherwise have available to us under applicable laws. 16.9. Entire Agreement. These Terms, including the documents expressly incorporated by reference, constitute the entire agreement between you and us with respect to the Site, the Software ,and the Service and supersedes all prior or contemporaneous communications, whether electronic, oral, or written, between you and us with respect to the Site, the Software, and/or the Service.