Terms of Service

1. Who we are and what these terms cover

PoloRFP ("PoloRFP", "we", "us", "our") is operated by Metamex LLC, a limited liability company formed in the State of Florida, United States of America.

These Terms of Service (the "Terms") are a binding contract between you and us. They govern your access to and use of the website at polorfp.com and every page, feature, export and communication channel we provide through it (together, the "Platform").

By creating an account, signing in, or otherwise using the Platform, you agree to these Terms. If you do not agree, do not use the Platform.

Our Privacy Policy explains what personal data we handle and why. It is incorporated into these Terms by reference.

1.1 The single most important thing in this document

Read §4 and §11 if you read nothing else.

PoloRFP is a noticeboard, not a party to your deal. We publish what our users write about themselves and what they are looking for, and we let them message each other. We do not verify people, credentials, horses, jobs, clubs, or claims. We are not the seller of any horse, the provider of any polo experience, the employer or agency behind any job, and not a guarantor, escrow, insurer or adviser of any kind. Everything you agree with another user is between you and them, at your own risk.

2. Eligibility

To use the Platform you must:

1. be at least 18 years old, or the age of majority where you live if that is higher;
2. have the legal capacity to enter into a binding contract;
3. not be a person with whom United States law prohibits us from dealing. Because we are a United States company, US sanctions and export-control law binds us directly. You confirm that you are not named on the US Treasury Department's Specially Designated Nationals list or any other US, EU or UK restricted-party list, that you are not owned or controlled by anyone who is, and that you are not located in, or ordinarily resident in, a country or territory subject to comprehensive US sanctions. This applies to you and to anyone you arrange a dealing with through the Platform; and
4. not have been previously suspended or removed by us.

The Platform is offered worldwide, but we make no claim that it is appropriate or lawful in any particular country. If you access it, you do so on your own initiative and you are responsible for complying with your own local law — including any law about employment agencies, recruitment, the sale and movement of animals, travel services, tax, and data protection. If your use of the Platform would be unlawful where you are, you may not use it.

3. Accounts

Sign-in. Authentication is provided by WorkOS AuthKit. Your credentials are held by that provider under its own terms; we never see your password.

Account type. Every account is either a Player or a Professional. You choose once, during onboarding, and the choice is permanent. If you need both, you need two accounts, each with its own email address.

Accuracy. You must give accurate information and keep it current. Handicaps, certifications, work history, references, licences, right to work, the horses you describe and the jobs you post are self-reported and not checked by us (see §4.2). Posting information you know to be false is a breach of these Terms and may be a criminal offence in your country.

Security. You are responsible for everything done through your account. Tell us at hello@polorfp.com without delay if you believe it has been compromised.

One person, one identity. You may not create an account for anyone else, impersonate anyone, use a false identity, or sell, rent or transfer your account.

4. What the Platform is — and what it is not

4.1 Our role

PoloRFP provides a venue where:

• a Player publishes a Request — to travel and play somewhere, to buy a polo pony, or to hire a professional, groom, coach, umpire or manager;
• a Professional publishes a Polo CV and opens a conversation about a Request, or applies to a job ad; and
• the two exchange messages, and contact details become visible once the Player replies.

That is the whole of what we do. We host and display content, we route messages, and we provide search and filtering. We are a technical intermediary and a host of information supplied by our users. We do not participate in, supervise, guarantee, price, insure, or take a commission on anything that follows.

We are an interactive computer service under 47 U.S.C. § 230, and a hosting service under EU law. We are not the publisher or speaker of anything a user writes, and any decision we take to moderate, remove or decline to remove content is taken in that capacity and does not make us the author of what remains.

4.2 We do not verify anyone or anything

We carry out no vetting, background checks, identity checks, or verification of any kind. In particular, and without limitation, we do not verify:

Every credential on this Platform is self-reported. The interface labels it as such. A Verified state may exist in our systems, but no user is verified in this version of the Platform, and the absence of a warning about any user is not an endorsement of them.

4.3 What we are not

We are not, and we do not act as, any of the following, and nothing on the Platform should be read as us holding ourselves out as one:

• an employer, joint employer, employment agency, employment business, recruiter, staffing provider, or labour supplier;
• a travel agent, tour operator, package organiser, linked-travel-arrangement facilitator, accommodation provider, or retailer of travel services;
• a horse dealer, bloodstock agent, broker, auctioneer, or seller's or buyer's agent;
• an escrow, payment processor, money transmitter, or financial institution;
• an insurer, insurance intermediary, or provider of any guarantee, warranty or indemnity in respect of any user or transaction;
• a provider of veterinary, legal, tax, immigration, financial or safety advice.

Where any law would otherwise classify us as one of these because of what our users do through the Platform, our role remains limited to hosting and transmitting what they write, and these Terms allocate the underlying obligations to the users concerned.

4.4 Fees

We currently charge nothing to publish a Request, publish a Polo CV, apply, or send a message.

We intend to introduce paid features, which may include charging Professionals for the ability to open conversations with the authors of Requests. If and when we do:

1. we will publish separate terms covering price, billing, renewal, cancellation and refunds, and we will not charge you until you have agreed to them;
2. we will give existing users reasonable notice before any feature they currently use free of charge becomes chargeable; and
3. opening a conversation about a job ad, and applying to a job ad, will remain free of charge to Professionals. Many countries prohibit charging a person a fee to find or apply for employment, and we do not intend to charge for it anywhere. Any charge to a Professional will apply only to experience Requests and pony Requests, which are commercial enquiries rather than work-finding services.

Paying us a fee never changes anything in §4.2, §6, §11 or §12. It buys access to a feature of the Platform, not verification of anyone, and not any assurance about any dealing that follows.

5. Your content

5.1 What counts as your content

"Your Content" is everything you submit, upload, publish or send through the Platform: your profile, your Polo CV and its PDF export, Requests, job ads, applications, cover messages, recommendations you write about others, photographs, video links, and every message you send.

5.2 You are responsible for it

You represent and warrant, each time you post, that Your Content:

1. is accurate and not misleading;
2. is yours to post, or you hold every licence and permission needed — including from every identifiable person in a photograph, and from the photographer;
3. does not infringe anyone's intellectual property, privacy, publicity or contractual rights;
4. is not unlawful, defamatory, harassing, hateful, discriminatory, threatening, obscene, or an invasion of anyone's privacy;
5. does not contain another person's personal data that you have no lawful basis to publish;
6. complies with all law that applies to you — including, for a job ad, the anti-discrimination, equal-pay, minimum-wage, working-time and advertising law of the country where the work is to be done; and
7. contains no malware and no automated, bulk or unsolicited commercial content.

5.3 The licence you give us

You keep ownership of Your Content. You grant us a worldwide, non-exclusive, royalty-free, sublicensable and transferable licence to host, store, reproduce, adapt in format, publish, display, transmit and distribute Your Content for the purpose of operating, securing and promoting the Platform, including rendering your Polo CV as a PDF, showing your Request to other members, and displaying to others whatever the Platform's own visibility rules make visible.

This licence lasts as long as Your Content is on the Platform, plus the period needed to remove it from backups. It survives termination only for content that others have lawfully copied or that we must retain to comply with law or to defend a claim.

You grant every other user a limited licence to view Your Content through the Platform for the purpose of considering, negotiating and performing a dealing with you — and nothing else.

5.4 Visibility is your responsibility

The Platform gives you controls over who can see what: a Polo CV may be PUBLIC, UNLISTED or PRIVATE; a Request may be a draft, open or closed; and contact details are withheld until a Player replies. Those controls do what they say, but they are not a security guarantee. Anyone who can lawfully see your content can copy it, screenshot it, or repeat it elsewhere, and we cannot control what they then do. Do not publish anything you would be unwilling to see circulated. A public Polo CV, in particular, is a document you have chosen to publish to the open internet, and it may be indexed by search engines.

5.5 We may remove content

We may remove, restrict, or refuse to display any content, and suspend or terminate any account, at our discretion and without prior notice, where we reasonably believe it breaches these Terms or the law, harms another user, or exposes us to liability or regulatory action. Where the law requires us to give reasons or a route of appeal, we will (see §14).

We are under no general obligation to monitor content, and we do not pre-screen it. Choosing to act on one thing does not mean we have undertaken to act on everything.

6. Dealings between users — the core allocation of risk

This section is the heart of these Terms.

Every arrangement you reach through the Platform — a booked polo trip, a horse bought, a groom hired, a coaching engagement, a season's contract, a payment, a flight, a visa application, a transport booking — is a contract between you and the other user only. PoloRFP is not a party to it, has no visibility of its terms, and owes you nothing under it.

You agree that:

1. You conduct your own due diligence. You will independently verify the identity, credentials, standing, solvency, insurance and legal status of anyone you deal with, proportionate to what is at stake.
2. You use your own written contract. For anything that matters — a purchase, an engagement, employment, a trip — put it in writing between yourselves, with your own professional advice. Messages on the Platform are not a contract we have drafted, reviewed or approved.
3. Payments happen off the Platform, at your own risk. We handle no money, hold no funds, provide no escrow and offer no buyer or seller protection. If you send money to someone you met here, you have no recourse against us. Never send a deposit, transport fee, "vetting fee", visa fee or advance payment to someone you have not independently verified. Requests for advance payment are the most common fraud on platforms like this one.
4. You meet people safely. Where a dealing involves travel, viewing a horse, a trial, an interview, or living on someone's premises, you take your own precautions.
5. You carry your own insurance. We provide none, and we do not check whether anyone else has any.
6. You handle each other's data lawfully. When contact details are exchanged, each of you becomes an independent controller of the other's personal data and is responsible for your own compliance with data-protection law. We are not your processor and not a joint controller with you.

6.1 Release between users

To the fullest extent permitted by law, you release PoloRFP — and our officers, directors, employees, contractors and agents — from every claim, demand, loss, liability and damage of every kind, known and unknown, arising out of or connected with any dealing, dispute, communication or interaction between you and any other user, whether it took place on the Platform or anywhere else.

If you are in a jurisdiction whose law limits a general release of unknown claims — for example California Civil Code §1542 — you knowingly waive the benefit of that limitation to the extent your law allows you to.

Disputes between users are for those users to resolve. We are not obliged to mediate, arbitrate or participate, and we are not a witness, evidence-gathering service or record-keeper for your dispute, although we will comply with valid legal process.

7. Horses, riding and polo — assumption of risk

Polo, riding, and being around horses are inherently dangerous. People are seriously injured and killed doing them.

You acknowledge and agree that:

1. Inherent risk. Horses are large, unpredictable animals capable of behaviour that causes catastrophic injury or death without warning and without anyone being at fault. Polo adds collision, mallet strike, ball strike, and riding at speed in company. You knowingly and voluntarily assume all risk of injury, illness, disability, death, and property damage arising from any equine activity, polo activity, travel, trial, or work you arrange through the Platform.
2. Nothing about a horse is checked by us. We do not know whether a horse described on this Platform exists, whether the seller owns it or has good title, whether it is sound, healthy, drug-free, correctly aged, correctly described, insured, or safe to ride, or whether it can lawfully be sold, moved or exported. Obtain your own independent pre-purchase veterinary examination, your own proof of title and identification documents, and your own written sale contract, before you pay anything.
3. Movement of animals is regulated. Export, import, transport, quarantine, health certification, identification and welfare requirements are your responsibility and the other party's, in every country involved.
4. Descriptions are opinions. Ratings of speed, breaking, turning, ride-offs, stable behaviour and temperament on this Platform are the subjective assessment of the person who wrote them, not a warranty by anyone, and least of all by us.

We give no warranty as to any horse, and we exclude, to the fullest extent the law allows, every warranty as to description, quality, fitness for purpose, soundness or title that might otherwise be implied in relation to anything described on the Platform.

Statutory warning. Florida, and most other US states, limit the liability of equine activity sponsors and equine professionals for the inherent risks of equine activities. Under Florida Statutes Chapter 773:

That protection runs to the people who organise and conduct equine activities. PoloRFP does not organise or conduct any equine activity, and gives this notice for your information and so that the risk is placed squarely before you — not as a claim to be a sponsor or professional under that chapter. Our own protection rests on §6.1, §7, §11 and §12 of these Terms.

If you are an equine activity sponsor or professional using this Platform to find clients, giving the statutory notice and obtaining any signed document your own state requires is your responsibility, not ours, and the Platform does not do it for you.

8. Travel, experiences and accommodation

An experience Request is a Player asking, publicly, for someone to quote. Any trip that results is arranged directly between the Player and the club, professional or provider.

You acknowledge that:

1. We sell nothing and package nothing. We do not combine, retail, book, price, confirm or guarantee any travel service, and we are not the organiser or retailer of any package or linked travel arrangement. We take no payment for travel and hold no client money, and no insolvency protection, bonding or licensing scheme covers arrangements you make through the Platform. If insolvency protection matters to you, book through a provider that offers it.
2. Travel documents are yours to arrange. Passports, visas, work permits, health requirements, vaccinations and customs compliance are your responsibility, for you and for any horse or equipment.
3. Insurance is yours to arrange. Including medical, repatriation, accident, personal liability, cancellation, and cover that expressly extends to polo and riding — most standard travel policies exclude both.
4. Safety standards vary. Riding hats, body protectors, medical cover at the ground, ambulance access, veterinary provision, accommodation standards and safeguarding practices differ enormously between countries and clubs. Satisfy yourself directly.

9. Work, hiring and immigration

For job ads, applications, and any engagement that follows:

1. We are not an employment agency or employment business, and we are not a party to any contract of employment or engagement. The employer and the worker contract directly.
2. The person hiring is responsible for the lawfulness of the ad and the engagement: anti-discrimination law, minimum wage, working time, rest and holiday, live-in accommodation standards and offsets, health and safety, insurance (including employer's liability), tax and social contributions, worker classification, and any licensing that applies to labour providers in that country.
3. The person applying is responsible for the accuracy of their Polo CV, for holding the right to work in the relevant country, and for their own tax and immigration compliance.
4. Right to work and visas are never checked by us. A field on a Polo CV saying someone may work somewhere is that person's own claim. Sponsorship, permits and eligibility must be verified by the employer through the proper channels.
5. Job ads must not discriminate on any ground protected where the work is done. Ads that do may be removed without notice.
6. We do not guarantee outcomes. We do not promise that a Request will attract responses, that a Polo CV will attract work, that any response is genuine, or that any offer is real.

10. Acceptable use

You must not, and must not permit anyone else to:

1. Scrape, crawl, harvest, or bulk-extract any content, member list, contact detail or data from the Platform, by any automated or manual means, or use any of it to build a competing or derivative database or service. The member-only Request board and the contact-unlock rule exist precisely to prevent this; circumventing them is a serious breach.
2. Use contact details obtained here for any purpose other than the specific dealing they were shared for — no marketing lists, no cold outreach, no resale, no transfer.
3. Send spam, chain messages, or unsolicited commercial communications; or misuse the messaging system, the conversation rate limits, or the application flow.
4. Circumvent the Platform's access, visibility, redaction or rate-limiting controls, or attempt to access any account, profile, CV, PDF, media object, message or record you are not entitled to see.
5. Probe, scan, penetration-test, overload or interfere with the Platform or its infrastructure, or introduce malware.
6. Reverse-engineer, decompile, or attempt to derive source code, except to the extent that right cannot lawfully be excluded.
7. Post fake Requests, fake job ads, fake horses, fake CVs, fake references, or recommendations written by anyone other than the person named.
8. Use the Platform to arrange anything unlawful, including animal cruelty or neglect, doping or misdescription of a horse, trafficking, forced or unpaid labour, or evading immigration or tax law.
9. Harass, stalk, threaten, defame, or discriminate against any user.
10. Use the Platform to solicit anyone for anything unrelated to polo requests, work, or horses.

Breach of this section may result in immediate termination without notice, and we may report conduct we believe to be criminal to the appropriate authorities.

Nothing in these Terms limits our right to take technical measures against automated abuse, including rate limiting, blocking and IP-level restrictions.

11. Disclaimers

Read this section together with §4, §6, §7, §8 and §9.

The Platform is provided "as is" and "as available". To the fullest extent permitted by law, we exclude all conditions, warranties, representations and terms — express, implied or statutory — including any implied warranty or condition of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, non-infringement, quiet enjoyment, and any warranty arising from a course of dealing or trade usage.

Without limiting that, we do not warrant that:

1. any content on the Platform is true, accurate, current, complete or lawful — almost all of it is written by users and published unverified;
2. any user is who they claim to be, or holds any credential, standing, licence, right to work, insurance or horse they claim to hold;
3. any Request, job ad, horse, trip, engagement or opportunity is genuine, available, safe, lawful, or as described;
4. any dealing arranged through the Platform will be performed, will be satisfactory, or will not cause you loss;
5. the Platform will be uninterrupted, timely, secure or error-free, that defects will be corrected, or that any particular feature will continue to exist;
6. any message or notification will be delivered, delivered on time, or read — do not rely on the Platform for anything urgent or safety-critical; or
7. the Platform is free of malicious code or that data you store on it will not be lost.

We may change, suspend, limit or discontinue any part of the Platform, and we may delete inactive accounts and expired content, at any time. Keep your own copy of anything you need to keep. Your Polo CV can be exported as a PDF; export it.

Nothing on the Platform is advice. Nothing we publish is veterinary, medical, legal, immigration, tax, employment, safety or financial advice, and you must not treat it as a substitute for advice from a qualified professional in the relevant country.

Third parties. The Platform depends on third-party services — including authentication, hosting, database, storage, email and video embedding providers — and links to third-party sites. We do not control them, we are not responsible for them, and their availability, security and terms are their own. A link is not an endorsement.

11.1 Consumers

If you are a consumer, you have legal rights that these Terms cannot take away. Nothing in these Terms excludes or limits any right or remedy you have under the mandatory consumer-protection law of your country of residence, and where any provision of these Terms conflicts with such a mandatory right, that right prevails and the rest of these Terms continues to apply. In particular, consumers in the European Economic Area and the United Kingdom retain their statutory rights in full.

12. Limitation of liability

Nothing in these Terms limits or excludes our liability for:

1. death or personal injury caused by our negligence;
2. fraud or fraudulent misrepresentation by us;
3. gross negligence or wilful misconduct, where your law does not permit its exclusion; or
4. anything else that cannot lawfully be limited or excluded, including a consumer's mandatory statutory rights.

Subject to that, and to the fullest extent permitted by law:

(a) Excluded categories. We will not be liable to you for any:

• indirect, incidental, special, consequential, exemplary or punitive damages;
• loss of profit, revenue, business, contracts, opportunity, anticipated savings, or goodwill;
• loss of, or corruption of, data or content;
• loss arising from any dealing, contract, payment, engagement, purchase, trip, injury or dispute between you and another user, or from anything another user does or fails to do;
• loss arising from any horse, any equine or polo activity, any travel, any accommodation, any work or any employment arranged through the Platform;
• loss arising from your reliance on unverified content, including any credential, handicap, reference, recommendation or description on the Platform;
• loss arising from fraud, misrepresentation, theft, non-payment, or non-performance by another user;
• loss arising from unauthorised access to, or alteration of, your content or data, other than to the extent caused by our failure to take the security measures the law requires of us; or
• loss arising from any interruption, suspension, downtime, data loss or discontinuation of the Platform;

whether the claim is in contract, tort (including negligence), breach of statutory duty, restitution or otherwise, and whether or not we were advised that such loss was possible.

(b) Overall cap. Our total aggregate liability to you for all claims arising out of or connected with these Terms or the Platform, in any twelve-month period, is limited to the greater of (i) the total amount you paid us for the Platform in the twelve months before the event giving rise to the claim, and (ii) USD 100 (one hundred United States dollars).

You acknowledge that the Platform is currently provided free of charge, that this allocation of risk is a fundamental basis of our agreement, and that we would not provide the Platform on these terms without it.

(c) Time limit. Any claim you bring must be brought within one year of the date you first knew, or ought reasonably to have known, of the facts giving rise to it, except where a longer period is required by law that applies to you.

(d) Our people. These limits apply equally to our officers, directors, employees, contractors, agents, licensors and suppliers, each of whom may rely on this section.

13. Indemnity

If you are using the Platform other than as a consumer, you will indemnify and hold harmless PoloRFP, Metamex LLC, and our officers, directors, employees, contractors and agents against all claims, demands, proceedings, losses, damages, fines, penalties, costs and expenses (including reasonable legal fees) arising out of or connected with:

1. your use of the Platform;
2. Your Content, including any claim that it infringes a third party's rights or breaches any law;
3. your breach of these Terms or of any law;
4. any dealing, contract, engagement, employment, sale, trip or dispute between you and any other user; and
5. any injury, death, illness, or damage to property or to an animal arising from anything you arranged through the Platform.

We will notify you of any claim we seek to be indemnified for, and you will not settle it in a way that imposes any obligation or admission on us without our written consent. We may take over the defence of any such claim at our own cost.

If you are a consumer, this section does not apply to you; you remain liable for loss you cause us only to the extent your own law provides.

14. Reporting content, and complaints

To report content or conduct that is unlawful or breaches these Terms — including infringement of your intellectual property, misuse of your personal data, a fraudulent listing, a fake profile, or animal welfare concerns — contact hello@polorfp.com with:

• a link to the content or profile;
• what is wrong with it, and why;
• your contact details; and
• for an intellectual-property claim, enough to identify the work, a statement that you own it or act for the owner, and a statement that your report is accurate.

We will assess reports within a reasonable time and may remove content, restrict a profile, suspend or terminate an account, or take no action. Where the law requires it, we will tell the person affected what we did and why, and how to challenge it, and we will not restrict content on the basis of a manifestly unfounded or abusive report.

14.1 Copyright — DMCA notice and counter-notice

We are a United States company and operate a notice-and-takedown process under the Digital Millennium Copyright Act, 17 U.S.C. § 512.

To report copyright infringement, send a written notice to our designated agent at hello@polorfp.com containing all of the following, as § 512(c)(3) requires:

1. a physical or electronic signature of the copyright owner or a person authorised to act for them;
2. identification of the copyrighted work claimed to have been infringed;
3. identification of the material claimed to be infringing, with enough detail for us to locate it — a URL is best;
4. your address, telephone number and email address;
5. a statement that you have a good-faith belief that the use is not authorised by the copyright owner, its agent, or the law; and
6. a statement, made under penalty of perjury, that the information in the notice is accurate and that you are the owner or authorised to act for the owner.

Misrepresentation is actionable. Under § 512(f), anyone who knowingly materially misrepresents that material is infringing may be liable for damages, including costs and legal fees.

Counter-notification. If your content was removed and you believe that was a mistake or a misidentification, you may send a counter-notice to the same address containing your signature, identification of the removed material and where it appeared, a statement under penalty of perjury that you have a good-faith belief it was removed as a result of mistake or misidentification, your contact details, and your consent to the jurisdiction of the federal court for your district (or, if you are outside the United States, for the federal judicial district in which our principal place of business is located) and to accept service from the complaining party. We may restore the material in 10 to 14 business days unless the complaining party tells us it has filed suit.

14.2 Representatives and points of contact in the EU and UK

We are established in the United States and offer the Platform to users in the European Union and the United Kingdom. Accordingly:

• Single point of contact for users, for Member State authorities, for the European Commission and for the European Board for Digital Services, for the purposes of the Digital Services Act: hello@polorfp.com. Communications may be sent in English.
• Data protection. How we handle personal data, including transfers out of the EEA and the UK, is set out in our Privacy Policy.

Contacting a representative is not a substitute for the reporting route in §14, and it does not extend any time limit in these Terms.

Repeat infringers. We terminate the accounts of users who repeatedly post infringing or unlawful content.

General complaints may be sent to hello@polorfp.com. If you are a consumer in the European Union and we cannot resolve your complaint between us, you may be able to refer it to an alternative dispute resolution body in your own country. We are not obliged to participate in any such scheme and have not committed to one.

15. Suspension and termination

By you. You may stop using the Platform and close your account at any time via hello@polorfp.com or the account controls, if provided.

By us. We may suspend or terminate your account or access, in whole or in part, with or without notice, if we reasonably believe you have breached these Terms or the law, if your use harms other users or us, if required by law, or if we discontinue the Platform. Where the breach is capable of remedy and no urgency applies, we will normally give you notice and a chance to fix it first.

Effect. On termination, your right to use the Platform ends immediately and we may delete your content, subject to any retention we must apply by law or to defend a claim. Sections 5.3 (residual licence), 6 and 6.1, 7, 11, 12, 13, 16, 17 and 18 survive termination, together with any other provision that by its nature should.

16. Intellectual property in the Platform

The Platform, its software, design, structure, text, look and feel, and the PoloRFP name and marks are owned by us or our licensors and protected by intellectual-property law. We grant you a limited, revocable, non-exclusive, non-transferable licence to use the Platform for its intended purpose, personally and for your own polo, horse or work dealings. All other rights are reserved. You may not copy, modify, distribute, sell, licence, frame, or create derivative works from any part of the Platform.

Feedback. If you send us ideas or suggestions, you grant us an unrestricted, perpetual, irrevocable, royalty-free right to use them for any purpose, with no obligation to you.

17. Changes to these Terms

We may change these Terms. If a change is material, we will give you reasonable notice — by email or by a notice on the Platform — before it takes effect, and we will update the version and date at the top. Continuing to use the Platform after a change takes effect means you accept the new Terms. If you do not accept them, stop using the Platform and close your account. Changes never apply retroactively to a dispute that has already arisen.

18. Governing law and disputes

18.1 Governing law

These Terms, and any dispute or claim arising out of or connected with them or the Platform (including non-contractual disputes), are governed by the law of the State of Florida, United States of America, without regard to its conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

18.2 Talk to us first

Before starting proceedings, send a written notice of dispute to hello@polorfp.com setting out the claim and the relief you want, and give us 30 days to resolve it. We will do the same before bringing a claim against you. Most disputes end here, and the time limit in §12(c) is paused while this step runs.

18.3 Courts

The state and federal courts located in Florida, United States have exclusive jurisdiction over any dispute between you and us, and you and we each submit to them.

These Terms do not require arbitration. Either of us may bring a claim in those courts, subject to §18.6.

18.4 No class actions

To the fullest extent permitted by the law that applies to you, disputes will be resolved individually. You will not bring or join any class, collective, consolidated or representative action against us, and you will not act as a class member in one.

18.5 Jury trial waiver

To the fullest extent permitted by law, you and we each knowingly and voluntarily waive any right to a trial by jury in any proceeding arising out of or connected with these Terms or the Platform. This waiver does not apply where the law protecting you as a consumer prevents it.

18.6 Consumers outside the United States

Nothing in §18 deprives you of the protection of the mandatory law of your country of residence.

If you are a consumer resident in the European Economic Area or the United Kingdom, you may bring proceedings in the courts of your own country, and we will bring proceedings against you only in the courts of your country of residence. Your statutory rights are unaffected, and the choice of Florida law in §18.1 does not displace the consumer-protection law of your home country.

19. General

Entire agreement. These Terms, together with the Privacy Policy and any terms we publish for a specific paid feature, are the whole agreement between you and us about the Platform, and replace anything said or written before. You confirm you are not relying on any statement not set out in them. Nothing here limits liability for fraudulent misrepresentation.

Severability. If any provision is held unenforceable, it is modified to the minimum extent needed to make it enforceable, or if that is not possible, severed. The rest stands.

No waiver. Our failure to enforce any provision is not a waiver of it.

Assignment. You may not assign or transfer these Terms. We may assign them to an affiliate or in connection with a merger, acquisition or sale of assets, on notice to you.

Force majeure. We are not liable for any failure or delay caused by anything beyond our reasonable control, including acts of God, war, civil unrest, epidemic, strike, failure of a utility or telecommunications network, failure of a third-party service provider, or government action.

No third-party rights. Except for the persons named in §12(d) and §13, no one other than you and us has any right to enforce these Terms.

Notices. We will send notices to the email address on your account; you must keep it current. Send formal notices to us at hello@polorfp.com.

Independent parties. Nothing in these Terms creates a partnership, joint venture, agency, franchise or employment relationship between you and us.

Language. These Terms are written in English. Any translation is provided for convenience, and the English version governs to the extent your law permits.

Interpretation. Headings are for convenience only. "Including" means "including without limitation".

Contact

Metamex LLC · Florida, United States All enquiries — support, legal notices, content and abuse reports, security, DMCA and Digital Services Act matters: hello@polorfp.com