Secure Chat Terms of Service

Effective Date: June 19, 2026
Company: MIS Solutions, Inc
Product: Secure Chat
Contact: Info@mis-solutions.com
Address: 4485 Tench Road STE 440 Suwanee GA 30024

These Terms of Service, together with any applicable order form, subscription terms, service documentation, acceptable use rules, privacy policy, data processing agreement, business associate agreement, or other written agreement that references these Terms, collectively form the "Terms."

These Terms govern your access to and use of Secure Chat, including our websites, applications, software, APIs, messaging tools, administrative tools, support services, and related services, collectively, the "Service."

By creating an account, clicking "I agree," signing up for the Service, accessing the Service, or using the Service, you agree to be bound by these Terms.

If you are using the Service on behalf of a company, organization, or other legal entity, you represent that you have authority to bind that entity. In that case, "you" and "your" refer to both you and that entity.

1. Eligibility

You may use the Service only if:

You are at least 18 years old or the age of majority in your jurisdiction;
You can form a legally binding contract;
You are not prohibited from using the Service under applicable law;
You are not located in, organized under the laws of, or ordinarily resident in a country or territory

subject to applicable sanctions or embargoes that prohibit use of the Service.

You may not use the Service if we previously terminated or suspended your account for cause unless we provide written permission.

2. The Service

Secure Chat is a software platform that enables users and organizations to communicate, exchange messages, share files, manage conversations, and use related collaboration and security features.

We may modify, update, improve, suspend, or discontinue parts of the Service from time to time. We will use commercially reasonable efforts to provide notice of material changes that negatively affect paid subscriptions, unless urgent changes are required for security, legal, compliance, or operational reasons.

The Service is not intended for emergency communications. Do not use Secure Chat to contact emergency services, law enforcement, medical providers, or other time-sensitive emergency response resources.

3. Account Registration and Security

To use the Service, you may need to create an account. You agree to:

Provide accurate, current, and complete registration information;
Keep your account information updated;
Maintain the confidentiality of your login credentials;
Use strong passwords and available security controls;
Promptly notify us of unauthorized access or suspected compromise. You are responsible for all activity that occurs under your account, except to the extent caused by our

breach of these Terms.

We may require multi-factor authentication, security verification, or additional account controls for certain users, plans, or administrative functions.

4. Organizations, Administrators, and Managed Accounts

If your account is created or managed by an employer, customer, organization, managed service provider, reseller, or administrator, that organization may control certain aspects of your account and workspace.

Depending on the configuration of the Service, administrators may be able to:

Add, suspend, or remove users;
Manage security settings;
Access audit logs and usage information;
Configure retention, deletion, export, and backup settings;
Access, review, preserve, export, or delete messages, files, and other content associated with the

organization's workspace.

If you use an organization-managed account, your use may also be subject to your organization's internal policies and agreements.

5. License to Use the Service

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable right to access and use the Service during the applicable subscription term solely for your internal business or personal use, as applicable.

You may not:

Copy, modify, reverse engineer, decompile, disassemble, or attempt to derive source code from

the Service, except where prohibited by law;

Sell, resell, rent, lease, sublicense, or commercially exploit the Service except as expressly

authorized in writing;

Use the Service to build or benchmark a competing product or service;
Circumvent usage limits, security controls, authentication controls, or access restrictions;
Use bots, scrapers, crawlers, or automated systems except as expressly permitted by us;
Interfere with or disrupt the Service or related systems;
Use the Service in violation of applicable law or these Terms.

6. Customer Content

"Customer Content" means messages, files, attachments, text, images, data, metadata, contacts, configurations, and other materials submitted to, transmitted through, stored in, or processed by the Service by or on behalf of you or your users.

You retain ownership of your Customer Content. These Terms do not transfer ownership of your Customer Content to us.

You grant us a limited license to host, store, transmit, process, display, reproduce, back up, secure, analyze, and otherwise use Customer Content solely as necessary to:

Provide, maintain, support, and improve the Service;
Prevent or address security, abuse, fraud, or technical issues;
Comply with applicable law;
Enforce these Terms;
Perform obligations described in an applicable order form, data processing agreement, business

associate agreement, or other written agreement.

We will not sell Customer Content. We will not use Customer Content for third-party advertising.

We will not use Customer Content to train artificial intelligence or machine learning models unless you expressly authorize us in writing.

You are responsible for Customer Content and for ensuring that you have all rights, consents, permissions, and legal bases necessary to submit Customer Content to the Service.

7. Sensitive and Regulated Data

Unless expressly permitted in a separate written agreement, you may not submit, transmit, store, or process through the Service:

Protected health information regulated by HIPAA;
Payment card data regulated by PCI DSS;
Nonpublic personal information regulated by GLBA;
Criminal justice information;
Export-controlled technical data;
Children's personal information;
Government-classified, controlled unclassified, or similarly restricted information;
Any other data requiring specialized legal, regulatory, contractual, or security obligations. If Secure Chat is intended to handle regulated data for your account, the parties must first execute any

required written addendum, such as a Business Associate Agreement, Data Processing Agreement, Security Addendum, or other compliance-specific agreement.

8. Privacy

Our collection, use, disclosure, and protection of personal information is described in our Privacy Policy, available at:

[Insert Privacy Policy URL] By using the Service, you acknowledge that we process personal information as described in the Privacy Policy and any applicable data processing agreement.

If there is a conflict between these Terms and a signed data processing agreement or business associate agreement, the signed data processing agreement or business associate agreement will control for the specific subject matter it covers.

9. Security

We use commercially reasonable administrative, technical, and physical safeguards designed to protect the Service and Customer Content.

However, no software, network, system, or method of transmission is completely secure. We do not guarantee that the Service will be uninterrupted, error-free, immune from unauthorized access, or free from vulnerabilities.

You are responsible for:

Securing your devices, networks, and credentials;
Managing user access and permissions;
Enabling available security features appropriate for your use case;
Promptly removing users who should no longer have access;
Maintaining your own backup copies where appropriate;
Reviewing your organization's retention, export, and deletion settings. We may investigate suspected security incidents, abuse, or unauthorized use of the Service. We may

suspend access where reasonably necessary to protect the Service, customers, users, or third parties.

10. Acceptable Use

You may not use the Service to:

Violate any law, regulation, contract, intellectual property right, privacy right, or other third-party

right;

Send spam, phishing messages, malware, malicious code, or deceptive communications;
Harass, threaten, abuse, defame, exploit, or harm others;
Transmit unlawful, harmful, fraudulent, obscene, or abusive content;
Upload or distribute viruses, worms, ransomware, spyware, or other harmful code;
Attempt unauthorized access to systems, accounts, data, or networks;
Probe, scan, or test the vulnerability of systems without authorization;
Interfere with or degrade the Service;
Circumvent rate limits, security controls, or authentication measures;
Impersonate another person or misrepresent your affiliation;
Collect or harvest personal information without authorization;
Use the Service for surveillance, stalking, or unlawful monitoring;
Use the Service to develop, distribute, or facilitate cyber abuse;
Upload content that infringes intellectual property rights;
Transmit child sexual abuse material or exploitative content of any kind. We may remove content, disable accounts, suspend access, or report activity to appropriate authorities

where we believe use of the Service violates these Terms, applicable law, or creates risk to us, users, customers, or third parties.

11. Third-Party Services and Integrations

The Service may allow you to connect to third-party applications, services, identity providers, storage systems, APIs, or integrations.

Third-party services are not controlled by us. Your use of third-party services may be governed by separate terms and privacy policies. We are not responsible for third-party services, including their availability, security, performance, data handling, or support.

If you enable an integration, you authorize us to exchange data with that integration as necessary to provide the requested functionality.

12. Software, Updates, and APIs

We may provide downloadable software, mobile applications, desktop applications, browser extensions, APIs, SDKs, or other components.

You agree to install updates as reasonably necessary for security, compatibility, and performance. Some updates may be automatic.

If we provide APIs, you may use them only in accordance with our documentation, rate limits, security requirements, and written policies. We may limit, suspend, or revoke API access for security, operational, legal, or abuse-prevention reasons.

13. Beta Features

We may offer beta, preview, experimental, trial, or early-access features. Beta features are provided for evaluation only and may be changed, suspended, or discontinued at any time.

Beta features may be incomplete, unstable, or less secure than generally available features. They are provided "as is" and without any service level commitment, warranty, or support obligation unless expressly stated in writing.

14. Fees, Billing, Renewals, and Taxes

Some parts of the Service may require payment. Fees, billing frequency, subscription term, usage limits, and included features will be described at checkout, in an order form, or in your account portal.

You authorize us or our payment processor to charge applicable fees, taxes, and other amounts using your selected payment method.

Unless otherwise stated:

Subscription fees are charged in advance;
Subscriptions automatically renew for successive terms;
You may cancel renewal through your account settings or by contacting us at

[billing@company.com];

Cancellation takes effect at the end of the then-current billing period;
Fees are non-refundable except where required by law or expressly stated in writing;
We may suspend or terminate access for nonpayment. You are responsible for applicable taxes, duties, levies, and similar assessments, excluding taxes based

on our net income.

We may change pricing or plan features. For paid subscriptions, we will provide reasonable notice before changes apply to a renewal term, unless the change is favorable to you or required by law.

15. Trials and Promotions

We may offer free trials, promotional credits, or discounted subscriptions. Trial and promotional terms may be subject to additional conditions.

Unless otherwise stated, trials are provided once per customer or organization. We may modify or terminate trials and promotions at any time.

At the end of a trial, your subscription may convert to a paid plan if you provided payment information and authorized recurring billing. We will disclose applicable trial conversion terms during signup or checkout.

16. Suspension and Termination

You may stop using the Service at any time. You may cancel your subscription through your account settings or by contacting us at info@mis-solutions.com.

We may suspend or terminate your access to the Service if:

You breach these Terms;
You fail to pay fees when due;
Your use creates a security, legal, operational, or reputational risk;
We are required to do so by law or court order;
Your account is inactive for an extended period;
Continued provision of the Service becomes impractical, unlawful, or commercially unreasonable. Where reasonable, we will provide notice and an opportunity to cure before suspension or termination.

However, we may act immediately where necessary to protect the Service, users, customers, third parties, or us.

Upon termination:

Your right to use the Service ends;
You must stop using the Service;
We may disable access to your account;
We may delete Customer Content after [30/60/90] days unless legally required or contractually

obligated to retain it;

Certain provisions of these Terms will survive, including payment obligations, intellectual property

rights, confidentiality, disclaimers, limitations of liability, indemnification, dispute terms, and general provisions.

17. Data Export and Deletion

During the subscription term, you may be able to export certain Customer Content through available Service features.

After termination or expiration, we may provide limited access for data export for 10 days, unless your account was terminated for legal, security, or abuse-related reasons.

After the applicable export period, we may delete or anonymize Customer Content according to our retention policies, backup practices, and legal obligations.

Deletion from active systems may not immediately remove Customer Content from backups, logs, archives, or disaster recovery systems. Backup deletion will occur according to our standard backup lifecycle unless earlier deletion is legally required and technically feasible.

18. Support and Service Levels

Support is provided according to your plan, order form, or support policy.

Unless we expressly agree to a separate service level agreement, we do not guarantee uptime, response times, resolution times, or availability.

We may perform maintenance, updates, or emergency repairs that temporarily affect availability. Where practical, we will provide advance notice of scheduled maintenance.

19. Intellectual Property

We and our licensors own all rights, title, and interest in and to the Service, including software, source code, object code, designs, interfaces, workflows, documentation, trademarks, service marks, trade names, logos, templates, algorithms, know-how, and all related intellectual property rights.

Except for the limited license granted in these Terms, no rights are granted to you by implication, waiver, estoppel, or otherwise.

You may submit suggestions, ideas, feedback, or recommendations regarding the Service. You grant us a perpetual, irrevocable, worldwide, royalty-free right to use that feedback without restriction or compensation to you.

20. Confidentiality

Each party may receive confidential or proprietary information from the other party. "Confidential Information" means information that is marked confidential or should reasonably be understood to be confidential given its nature and the circumstances of disclosure.

Confidential Information does not include information that:

Is or becomes publicly available without breach of these Terms;
Was lawfully known before disclosure;
Is lawfully received from a third party without confidentiality restrictions;
Is independently developed without use of the other party's Confidential Information. Each party agrees to:
Use Confidential Information only to perform under these Terms;
Protect Confidential Information using reasonable care;
Disclose Confidential Information only to personnel, contractors, advisors, or service providers

who need to know it and are bound by confidentiality obligations;

Not disclose Confidential Information to third parties except as permitted by these Terms or

required by law.

If disclosure is required by law, the receiving party will provide prompt notice where legally permitted and reasonably cooperate to limit disclosure.

21. Copyright Complaints

If you believe content available through the Service infringes your copyright, you may submit a notice to: Copyright Agent: MIS Solutions, Inc. Email: Info@mis-solutions.com Address: 4485 Tench Road STE 440 Suwanee GA 30024 Your notice should include:

Identification of the copyrighted work;
Identification of the allegedly infringing material;
Your contact information;
A statement that you have a good-faith belief the use is unauthorized;
A statement that the information in the notice is accurate;
Your physical or electronic signature. We may remove or disable access to allegedly infringing content and may terminate repeat infringers

where appropriate.

22. Compliance With Laws

You agree to comply with all applicable laws and regulations, including laws related to privacy, data protection, cybersecurity, electronic communications, export controls, sanctions, anti-corruption, intellectual property, and consumer protection.

You are responsible for determining whether the Service is appropriate for your intended use and whether your use complies with applicable legal, regulatory, contractual, and industry requirements.

23. Export Controls and Sanctions

You may not use, export, re-export, import, sell, transfer, or provide access to the Service except as authorized by applicable export control and sanctions laws.

You represent that you are not:

Located in a country or territory subject to applicable comprehensive sanctions;
Listed on any applicable restricted party list;
Owned or controlled by a restricted party;
Using the Service for prohibited end uses, including unlawful surveillance, weapons development,

or other restricted activities.

24. No Professional Advice

The Service may include technical, administrative, or security-related information. Such information is provided for general informational purposes only and does not constitute legal, regulatory, compliance, medical, financial, or professional advice.

You are responsible for obtaining professional advice appropriate to your specific circumstances.

25. Disclaimers

To the maximum extent permitted by law, the Service is provided "as is" and "as available." We disclaim all warranties, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, availability, security, accuracy, and error-free operation.

We do not warrant that:

The Service will meet your requirements;
The Service will be uninterrupted, secure, timely, or error-free;
Customer Content will be preserved or recoverable;
The Service will detect or prevent all threats, unauthorized access, data loss, or misuse;
Defects or vulnerabilities will be corrected within any specific time period;
The Service will comply with laws or regulations applicable to your specific industry or use case

unless expressly stated in a separate written agreement.

Some jurisdictions do not allow certain disclaimers, so some of the above disclaimers may not apply to you.

26. Limitation of Liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, exemplary, enhanced, or punitive damages, including damages for lost profits, lost revenue, lost business, lost goodwill, lost data, business interruption, security incidents, system failure, or cost of substitute services, even if we have been advised of the possibility of such damages.

To the maximum extent permitted by law, our total liability arising out of or related to these Terms or the Service will not exceed the greater of:

The amounts paid by you to us for the Service during the twelve months before the event giving

rise to liability; or

$100. The limitations in this section apply to all theories of liability, including contract, tort, negligence, strict

liability, warranty, statute, and otherwise.

Nothing in these Terms limits liability that cannot be limited under applicable law.

27. Indemnification

You agree to defend, indemnify, and hold harmless MIS Solutions, Inc, its affiliates, officers, directors, employees, contractors, agents, licensors, and service providers from and against any claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of or related to:

Your use of the Service;
Customer Content;
Your breach of these Terms;
Your violation of applicable law;
Your violation of third-party rights;
Your users' acts or omissions. We may control the defense of any matter subject to indemnification. You may not settle any claim

without our prior written consent if the settlement imposes obligations or liability on us.

28. Dispute Resolution

Before filing a claim, each party agrees to try to resolve the dispute informally. The party raising the dispute must send written notice describing the dispute and requested resolution to the other party.

Notices to us must be sent to: Info@mis-solutions.com 4485 Tench Road STE 440 Suwanee GA 30024 The parties will attempt in good faith to resolve the dispute for at least 30 days after notice is received.

Governing Law

These Terms are governed by the laws of the State of Georgia, without regard to conflict-of-law principles.

Venue

Subject to the arbitration provision below, the state and federal courts located in Fulton County, Georgia will have exclusive jurisdiction over disputes arising out of or related to these Terms or the Service. Each party consents to personal jurisdiction and venue in those courts.

Optional Arbitration Clause

Any dispute arising out of or related to these Terms or the Service will be resolved by binding arbitration administered by the American Arbitration Association under its applicable rules.

The arbitration will take place in Gwinette County, Georgia, unless the parties agree otherwise. The arbitration will be conducted in English by one arbitrator.

Either party may bring an individual claim in small claims court if the claim qualifies. The parties waive any right to a jury trial and agree that claims may be brought only on an individual basis, not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding.

You may opt out of arbitration by sending written notice to [legal@company.com] within 30 days after first accepting these Terms.

29. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will provide notice by email, in-product notice, posting within the Service, or another reasonable method. The updated Terms will become effective on the date stated in the notice.

Your continued use of the Service after updated Terms become effective means you accept the updated Terms.

We will not retroactively make material changes to how we use Customer Content or personal information without providing notice and obtaining consent where required by law.

If you do not agree to updated Terms, you must stop using the Service and cancel your subscription.

30. Notices

We may provide notices to you by email, in-product message, account portal, posting on our website, or other reasonable method.

You are responsible for keeping your account contact information current.

Notices are deemed given when sent, posted, or made available through the Service.

31. Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, financing, corporate reorganization, sale of assets, change of control, or transfer of the Service to another provider.

Any attempted assignment in violation of this section is void.

32. Force Majeure

We are not liable for delay or failure to perform due to events beyond our reasonable control, including natural disasters, acts of war, terrorism, labor disputes, internet or telecommunications failures, cloud provider outages, power failures, cyberattacks, government actions, civil unrest, pandemics, or other events beyond our reasonable control.

33. Relationship of the Parties

The parties are independent contractors. These Terms do not create a partnership, joint venture, employment relationship, agency relationship, franchise, or fiduciary relationship.

Neither party has authority to bind the other except as expressly stated in writing.

34. Severability

If any provision of these Terms is found unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible. The remaining provisions will remain in full force and effect.

35. Waiver

Failure to enforce any provision of these Terms is not a waiver of that provision or any other provision. A waiver must be in writing and signed by the party granting the waiver.

36. Entire Agreement

These Terms are the entire agreement between you and us regarding the Service and supersede all prior or contemporaneous agreements, understandings, and communications regarding the Service.

If there is a conflict between these Terms and an order form signed by both parties, the signed order form controls for that order.

37. Contact

Questions about these Terms may be sent to: MIS Solutions, Inc Attn: Legal Department Email: Info@mis-solutions.com Address: 4485 Tench Road STE 440 Suwanee GA 30024