Terms of Service

Marketplace, Company-Provided Services, Vendor Rules & User Agreement

Effective / Last Updated: September 27, 2026

IMPORTANT: THESE TERMS INCLUDE REFUND/CANCELLATION RULES, LIMITATIONS OF LIABILITY, MARKETPLACE/VENDOR RULES, AND DISPUTE TERMS. CONSUMER RIGHTS THAT CANNOT LAWFULLY BE WAIVED ALWAYS REMAIN IN EFFECT.

1. Acceptance, Global Scope, Eligibility & Company Information

1.1 Global agreement. These Terms of Service ("Terms") govern access to and use of LiveLifeAll.com and all current or future Company-operated websites, applications, marketplaces, portals, accounts, communications tools, products and services (collectively, the "Services"). The Services are operated by System Solutions Group Inc. ("Company," "Live Life All," "we," "us," or "our"), a company based in the Federation of Saint Christopher and Nevis. Business/contact correspondence may be sent through the Contact Us page

1.2 Acceptance. By accessing or using the Services, creating an account, placing an order, receiving a Service, submitting content, acting as a Vendor, or accepting any benefit through the Services, you agree to these Terms, the Privacy Policy, applicable listing/Full Description, checkout/order terms, and any consent or notice incorporated by reference (collectively, the "Agreement"). If you do not agree, do not use the Services.

1.3 Global application and mandatory law. We offer Services internationally. Applicable consumer, privacy, communications, e-commerce, accessibility, tax, professional-licensing and other mandatory laws vary by country, state/province/territory and transaction. Nothing in the Agreement waives a right or remedy that applicable law makes non-waivable. If a mandatory local rule conflicts with the Agreement, that rule controls only to the extent required.

1.4 Eligibility and authority. You must be at least 18 and the age of legal majority where you live unless a Service lawfully states otherwise. If you act for a business, organization or another person, you represent that you have authority to bind or instruct that party. We may request identity, authority, business, tax, payment, licensing or other verification and may pause access, transactions or disclosures while verification is pending.

1.5 Changes. We may update these Terms prospectively. Material changes will receive any notice or consent required by law. Continued use after the effective date constitutes acceptance where legally permitted; changes do not retroactively remove accrued mandatory consumer rights.

2. Definitions & Provider Roles

"Customer" or "Buyer" means a person or organization that purchases, requests, receives or uses a product or Service. "Service Recipient" means an individual receiving a personal Service if different from the purchaser. "Consumer" means a person entitled to mandatory consumer protection under applicable law; "Business User" means a person acting primarily for trade, business or professional purposes.

"Vendor" means an independent third-party seller or service provider using the marketplace. "Fulfilling Provider" means the Vendor or Company provider identified to perform a Service. "Company-Provided Service" means a Service for which the listing/order identifies Live Life All/System Solutions Group Inc. or a Company-operated provider account as provider of record. "Vendor Service" means a Service provided by an independent Vendor.

"Full Description" means the detailed product/service listing, including scope, inclusions, exclusions, assumptions, time, deliverables, revisions, use period or other service-specific terms. "Private Service Data" means non-public task inputs, files, communications, recordings, business records, family/relationship information, wellness information or similar information supplied for a private Service interaction.

"Completed Order" means an order that has been fully delivered or performed, is not subject to an open return, refund, cancellation, dispute, chargeback, reversal, compliance/KYC review, fraud/risk review, processor hold, reserve or other hold, and has otherwise satisfied the applicable refund/return/cancellation period and Company payout requirements. "Gift Certificate" or "Marketplace Credit" means electronic value issued or approved by Live Life All for use on the Services; unless mandatory law requires otherwise, it is not cash, is not a bank deposit, does not accrue interest and is not redeemable outside the Services. "Refund" means a monetary return or payment reversal to an original or other lawful payment method.

3. Marketplace Role, Company Services & Vendor Allocation

3.1 Dual model. Live Life All operates a marketplace connecting Customers with independent Vendors and may also provide selected Services itself. The listing/order identifies the provider of record. An independent Vendor is not our employee, agent, partner, joint venturer, franchisee or representative and cannot bind the Company.

3.2 Vendor Services. For Vendor Services, the Vendor is responsible for its listing, service execution, licensing/registration, insurance where required, taxes, personnel, compliance, quality, support and legally required remedies. Except where mandatory law provides otherwise, the Company does not become the service provider merely by hosting the listing, facilitating payment, communications, support, credits or dispute escalation.

3.3 Company-Provided Services. When Live Life All is identified as provider of record, we are responsible for the purchased scope subject to the Full Description, order, Agreement and applicable law.

3.4 Verification and marketplace compliance. We may collect and verify Vendor identity, contact, payment, registration, licensing, tax or compliance information and may suspend or delist a Vendor that fails verification or applicable marketplace requirements. Where the EU Digital Services Act or similar marketplace law applies, Vendors must provide accurate trader information and certify that their offerings comply with applicable law; we may display or disclose trader information as legally required.

3.5 Administrative remedies. We may issue or facilitate Gift Certificates/Marketplace Credits, Refunds, reversals, cancellations, holds, reserves, delistings, support decisions or other marketplace remedies to manage legal, payment, safety, processor, fraud, consumer-protection, reputational or platform risk. For a Vendor Service, buyer-facing remedies may be funded by the Vendor and deducted or set off from unpaid payouts, reserves, future payouts, balances or other amounts owed to the Vendor. Such action does not by itself change which party is provider of record.

4. Service Purchases, Hourly Work, Scope, Delivery & Acceptance

4.1 Service specification. The Full Description, checkout/order, accepted written task instructions and written service confirmation form the service specification. The Customer must review the Full Description and provide timely, accurate instructions, materials, access and approvals.

4.2 Hourly Services. Unless the listing states otherwise, Quantity 1 equals one service hour. Hours may be purchased as needed. Time may include live interaction and reasonable offline work such as preparation, research, data entry, calls, configuration, drafting, follow-up, documentation and other work within scope. Purchasing time buys service capacity, not a guaranteed result within that time.

4.3 Fixed packages/projects. A listing may define a fixed deliverable, package, project or included hours. The listing/order controls inclusions, exclusions, assumptions, revisions, dependencies and completion criteria.

4.4 Additional work. Changed instructions, additions, redesigns, new content, expanded revisions, excess time, or work caused by incomplete/inaccurate Customer inputs may require additional hours or a new order. Reasonable corrections needed to bring work into the agreed scope are not new scope. Third-party fees, domains, hosting, subscriptions, advertising spend, premium assets, software, platform fees and similar costs are excluded unless expressly included.

4.5 Delivery and estimates. Unless expressly guaranteed, delivery dates are estimates. Customer delays, changed requirements, third-party outages, provider availability and missing approvals may extend timelines. Hourly Service is delivered as time is performed. Digital/custom work is delivered when transmitted, published as instructed, or made available for access/download.

4.6 Review and cure. Customers should promptly report a material failure to conform to the agreed scope. Where reasonably appropriate and legally permitted, the provider may correct, re-perform or complete the affected portion before another contractual remedy is considered. This does not limit a mandatory statutory remedy.

5. Global Cancellation, Withdrawal, Refund & Cooling-Off Rules

5.1 Default commercial rule. To the fullest extent permitted by law, fees for hours already performed, Services already delivered/completed, custom or digital work already supplied, and non-recoverable third-party costs already incurred are final and non-refundable. A change of mind, later non-use, changed priorities or dissatisfaction with an outcome that was not guaranteed does not by itself create a refund right. Mandatory consumer remedies for defective, non-conforming, late, unsafe or unlawfully supplied Services remain unaffected.

5.2 Immediate performance during a statutory withdrawal period. Where a Consumer has a legal cooling-off/withdrawal right and asks us to start before that period expires, we may require an express request to begin immediately. Where local law permits, the Consumer may be required to pay a proportionate amount for Services performed before withdrawal and may lose the withdrawal right once the Service has been fully performed after the required express request and acknowledgment.

5.3 Digital content. Where law grants a withdrawal right for digital content supplied without a tangible medium, immediate supply may require the Consumer's prior express consent and acknowledgment that the withdrawal right may be lost once supply begins. If the required consent/acknowledgment is not provided, delivery may be delayed until the statutory period expires.

5.4 Pre-delivery cancellation. Rules for unused hours, pre-delivery cancellation, credits or discretionary accommodations are stated in the Full Description/order or refund policy. We may deduct or withhold amounts for work already performed, legally permitted cancellation charges and non-recoverable costs. No contractual refund term overrides mandatory law.

5.5 Refund/credit request timing. Unless a longer period is stated in the Full Description/order, required by a payment processor/card network, or required by mandatory law, a Customer should raise a refund, credit, non-delivery, not-as-described or similar order issue within 30 days after delivery or Service completion. We may request reasonable evidence and may deny a discretionary remedy when the request is late, unsupported, abusive or inconsistent with the Agreement. This contractual timing does not shorten any non-waivable statutory right.

5.6 Default refund method - Gift Certificate/Marketplace Credit. To the fullest extent permitted by law, discretionary or contractual refunds, service accommodations, standard returns and customer credits are issued as a Live Life All Gift Certificate or Marketplace Credit rather than cash. The credit may be delivered electronically to the Customer account, email address or other approved account identifier. Unless mandatory law requires otherwise, it has no cash value, is non-interest-bearing, may be non-transferable, may be used only on the Services, and is subject to fraud, abuse and account-security controls. Expiration, if any, will not be earlier than permitted by applicable law.

5.7 Monetary refunds where required. If applicable consumer law, payment-processor/card-network rules, a court/regulator, or the Company requires a monetary Refund rather than a Gift Certificate/Marketplace Credit, the Refund may be returned to the original payment method or another legally permitted method. Nothing in the Agreement converts a mandatory monetary refund right into platform credit.

5.8 Amount of remedy. To the fullest extent permitted by law, any refund or credit may exclude amounts attributable to Services already performed, accepted digital/custom work, non-recoverable third-party costs, shipping/handling or other charges identified as non-refundable in the Full Description/order. For a defective, non-conforming or legally remediable transaction, mandatory local law controls the amount and form of remedy.

6. Orders, Payments, Currency, Taxes, Gift Certificates/Credits & Chargebacks

6.1 Payment processors. Payments may be handled by third-party processors, banks, wallets or card networks. We do not control their approval decisions, outages, exchange rates, fees, reversals or fraud controls. Payment credentials should be entered through approved payment channels, not sent in ordinary service messages.

6.2 Prices, currency and taxes. Prices are shown in the stated currency and may exclude taxes, duties, VAT/GST, withholding, bank conversion or other charges unless expressly stated. You are responsible for legally applicable taxes or charges not collected by us. We may collect taxes where required and may request tax/VAT/GST identification from Vendors or Business Users.

6.3 Authorization and collection. You authorize us and our processors to charge the amount shown at checkout and any separately authorized additional amount. Recurring charges apply only when clearly disclosed and accepted. We may offset lawfully owed amounts against credits, payouts, reserves or refunds to the extent permitted by law.

6.4 Gift Certificates/Marketplace Credits. Credits may be issued as refunds, return accommodations, promotions, dispute resolutions or other account adjustments. Unless mandatory law requires otherwise, credits are not cash, deposits, stored-value bank accounts or interest-bearing funds; are usable only on the Services; may not be sold or exchanged; and may be restricted, reversed or cancelled for fraud, chargebacks, account compromise, duplicate recovery, policy abuse or legal/compliance reasons. A Customer may not obtain both a Gift Certificate/Marketplace Credit and a duplicate monetary recovery for the same amount.

6.5 Chargebacks and duplicate recovery. Before disputing a payment, please use an approved support channel and allow a reasonable review opportunity unless law or network rules provide an immediate right. Fraudulent, abusive, duplicate or bad-faith chargebacks may result in account restrictions and recovery of lawfully owed amounts, fees and collection costs to the extent permitted by law.

7. Accounts, Communications, Marketing, Security & Monitoring

7.1 Account security. You are responsible for safeguarding credentials and devices, using accurate account information, and notifying us promptly of suspected unauthorized access. We may require multi-factor authentication, verification or credential resets.

7.2 Service communications. You agree to receive transaction, security, support, order and service communications through the contact channels you provide. These are not marketing merely because they relate to an existing order or account. You may change communication preferences where operationally feasible and legally required.

7.3 Marketing. Marketing emails, texts, calls, automated messages and similar communications are sent only as permitted by applicable law, including consent/relationship and unsubscribe rules. Marketing consent is separate from the purchase of a Service unless law expressly allows otherwise. We will honor legally valid opt-outs and suppression requests.

7.4 Monitoring and records. We may log account, transaction, support, security, fraud, abuse and system activity, and may retain communications or recordings when lawfully authorized, for service administration, quality, security, dispute resolution, legal compliance and platform integrity.

8. Acceptable Use, Reviews, Reputation & Platform Integrity

You must not misuse the Services or platform, including by fraud, impersonation, harassment, threats, extortion, blackmail, doxxing, discriminatory abuse, malware, credential theft, scraping, automated account creation, unauthorized surveillance, rights infringement, unlawful data collection, sanctions evasion, false chargebacks, fake reviews, review manipulation, fabricated evidence, or attempts to interfere with another user or Vendor.

Honest consumer criticism and good-faith reviews are permitted. Nothing in the Agreement prohibits a lawful review or complaint. We may act against demonstrably fake, deceptive, impersonated, coordinated, undisclosed insider, extortionate, privacy-invasive or otherwise unlawful content, and may preserve evidence needed to protect users, our reputation, legal rights and platform integrity.

You may not use Live Life All names, marks, screenshots, internal materials, non-public Vendor/customer information or staff identities in a misleading manner suggesting sponsorship, endorsement, affiliation or wrongdoing not supported by fact. Lawful criticism, fair use, whistleblowing and legally protected speech are not restricted.

9. Conditional Service Boundaries & Customer Responsibility

Live Life All Services may include business/administrative assistance, AI assistance, digital content and websites, bookkeeping/billing/collections support, calling/sales/CRM support, property-management administration, senior/wellness support, relationship/separation communication assistance and other current/future offerings. Unless a listing expressly identifies a regulated professional service, Services are administrative, technical, informational or support services and are not legal representation, psychotherapy, medical care, nursing, financial/investment advice, tax advice, licensed accounting, debt-collection agency services, licensed real-estate brokerage/property management, emergency response, fiduciary service or another regulated professional relationship.

Customers remain responsible for final decisions, professional advice, filing obligations, legal/health/financial decisions, advertising claims, scripts/contact lists, communications compliance, account access, property/tenant decisions, and reviewing outputs before publication, filing, sending, deployment or reliance. AI-assisted outputs may be inaccurate or incomplete and require human review.

10. Third-Party Products, Integrations, Referrals & External Services

Third-party software, hosting, domains, social networks, payment processors, AI providers, contractors, professional referrals, transport/care resources and other external services are governed by their own terms and privacy practices. Unless expressly stated, they are independent and we do not guarantee their availability, licensing, security, pricing, performance, conduct or results. We may receive referral or marketplace compensation where lawful and disclosed as required.

11. Vendor Terms & Marketplace Protections

11.1 Vendor status and compliance. Vendors are independent businesses responsible for lawful registration, licensing, insurance, taxes, personnel, employment/contractor obligations, service quality, claims, refunds and all laws applicable to their offerings. Vendors must provide truthful listings, accurate identity/contact/payment information, and any trader information legally required for marketplace sales.

11.2 Customer Data. Vendors may use Customer Data only to fulfill and support the relevant transaction, comply with law, or for another purpose the Customer lawfully authorizes. Vendors must not sell, rent, broker, enrich, append, harvest, export for unrelated prospecting, or submit Private Service Data to unrelated AI model-training systems in violation of law or Company policy.

11.3 Vendor payouts - PayPal only. Unless Live Life All expressly offers another method in writing, PayPal is the sole Vendor payout method. A Vendor must maintain an active, accurate and legally eligible PayPal account capable of receiving the relevant currency and must keep the payout email/account information current. The Vendor bears PayPal fees, currency-conversion charges, tax consequences, PayPal account limitations and receiving-bank/wallet charges. We are not responsible for delay, rejection, hold or loss caused by inaccurate Vendor payout details, PayPal eligibility restrictions, PayPal risk/compliance decisions or the Vendor's failure to maintain a usable PayPal account. Where PayPal is unavailable or legally restricted in the Vendor's jurisdiction, we may suspend new sales or hold otherwise payable amounts until a lawful payout method is available or we elect to offer an alternative, subject to mandatory unclaimed-property and payment laws.

11.4 Standard payout timing - after 30 days. A Vendor payout becomes eligible for processing no earlier than 30 days after the later of: (a) delivery/completion of all goods or Services in the order; (b) expiration of the applicable return, refund, cancellation or withdrawal window; and (c) the order otherwise becoming a Completed Order. The 30-day period is a minimum holding period, not a guaranteed PayPal receipt date. Eligible payouts are processed according to Company payout cycles and remain subject to verification, deductions, reserves, processor timing, weekends/holidays and the other terms below.

11.5 Payout holds, reserves and extended delays. We may extend payout timing, establish fixed or rolling reserves, or continue a hold for as long as reasonably necessary and legally permitted where there is an open refund/return request, chargeback, reversal, fraud signal, abnormal dispute/return activity, customer complaint, Vendor nonresponse, KYC/tax/sanctions issue, negative balance, suspected policy violation, regulatory or product-safety concern, processor/PayPal hold, account suspension/termination, anticipated claim, or other material legal/payment/marketplace risk. Higher-risk holds may continue for up to 180 days or longer where a processor, network, law, regulator or reasonably anticipated liability requires it.

11.6 Vendor-funded Gift Certificates, Refunds and chargebacks. The Vendor authorizes Live Life All to issue or approve Gift Certificates/Marketplace Credits, Refunds, reversals, cancellations and other buyer-facing remedies for Vendor transactions when required by law or processor/network rules, authorized by the Vendor, or reasonably determined by the Company to address non-delivery, not-as-described work, defects, Vendor nonresponse, chargeback exposure, fraud, consumer-protection or marketplace-integrity risk. The Vendor is financially responsible for such amounts to the extent attributable to the Vendor transaction, performance, listing, personnel, policy or legal obligation.

11.7 Deductions, setoff and negative balances. Before or after payout, we may deduct, debit, reserve, reverse or set off commissions, platform/payment fees, Gift Certificates/Marketplace Credits, Refunds, chargebacks, dispute/processor fees, taxes/withholding, administrative or enforcement costs where permitted, indemnity amounts, negative balances and other amounts the Vendor owes from current or future payouts, balances, reserves or other amounts payable. If amounts are insufficient, the Vendor must reimburse the Company on demand. Payout eligibility does not extinguish later chargeback, refund, indemnity or reimbursement obligations.

11.8 Vendor refund/return support. Vendors must respond promptly to Company requests concerning buyer complaints, returns, refunds, credits, chargebacks, evidence or compliance. Unless another deadline is specified, Vendors should respond within 48 hours. Failure to respond may result in the Company accepting available buyer evidence, issuing a buyer remedy at the Vendor's expense, holding or reducing payout, increasing reserves, restricting listings or taking other reasonable enforcement action.

11.9 Off-platform diversion. Vendors may not use Customer Data obtained through Live Life All to bypass platform fees, solicit unrelated off-platform business or divert an active marketplace transaction contrary to disclosed marketplace rules. This does not prohibit a Customer from independently finding a Vendor elsewhere without use of protected marketplace information or circumvention.

11.10 Vendor indemnity. To the fullest extent permitted by law, Vendors will defend and indemnify the Company from third-party claims, penalties, refunds, chargebacks and reasonable costs arising from Vendor products/services, personnel, listings, taxes, licensing, data misuse, IP infringement, consumer-law violations or breach of the Agreement, except to the extent caused by conduct for which the Company cannot lawfully disclaim responsibility.

12. Intellectual Property, Customer Materials, Deliverables & Feedback

12.1 Platform IP. The Services, brand, site design, software, databases, workflows, templates, graphics and Company content are owned by or licensed to the Company and protected by applicable IP laws. Except for limited use of the Services, no rights are granted unless expressly stated.

12.2 Customer materials. You retain ownership of materials you provide and grant the Company/Fulfilling Provider a limited, non-exclusive license to host, copy, modify, transmit and use them only as reasonably necessary to perform, administer, secure and support the Service, comply with law and enforce the Agreement. Private Service Data is not licensed for unrelated advertising or public promotion.

12.3 Customer warranties. You represent that you have the rights, permissions and lawful basis needed for content, contact lists, images, logos, recordings, data, instructions and system access you provide. You are responsible for third-party licenses unless expressly included.

12.4 Deliverables. Ownership/licensing of custom deliverables is governed by the Full Description/order. Unless otherwise stated, transfer of any expressly promised ownership is conditioned on full payment and excludes pre-existing Company/Vendor tools, templates, know-how, open-source components, third-party materials and platform technology.

12.5 Feedback. Suggestions about the platform may be used without restriction or compensation, provided we do not publish identifiable Private Service Data merely because it was included in feedback.

13. Privacy, Data Protection, Cookies & International Transfers

Our Privacy Policy explains how the Company handles personal information, cookies, analytics, advertising, AI tools, sensitive information, consumer-health information, international transfers and privacy rights. Independent Vendors may be separate controllers/businesses under local law and may have their own privacy notices. Where required, non-essential cookies/trackers are activated only after valid consent or another legally permitted mechanism.

Customers and Vendors must use personal information lawfully, minimize unnecessary sensitive information, and comply with applicable privacy, recording, marketing and communications laws. Nothing in these Terms authorizes processing that the Privacy Policy, service-specific consent or law prohibits.

14. Disclaimers, Consumer Guarantees & No Guaranteed Outcomes

To the fullest extent permitted by law, Services are provided on an "as available" basis and we do not guarantee uninterrupted availability, error-free operation, any particular business/sales/collections/financial/legal/medical/relationship/safety/social/technology/property outcome, or that third-party systems will remain available. Estimates, ratings, AI outputs, suggestions and referrals are not guarantees.

Nothing in the Agreement excludes, restricts or modifies a warranty, consumer guarantee, statutory right or remedy that applicable law prohibits us from excluding. Where law permits a remedy to be limited for a non-household business transaction, our liability may be limited to re-performing the Service or the cost of re-performance, at our option and only to the extent lawful.

15. Limitation of Liability

To the fullest extent permitted by law, the Company and its affiliates, owners, personnel, contractors, licensors and processors are not liable for indirect, incidental, special, consequential, exemplary or punitive damages, lost profits/revenue/opportunities, business interruption, loss of goodwill, or loss/corruption of data, arising from or relating to the Services, even if advised of the possibility, except where applicable law does not permit the limitation.

To the fullest extent permitted by law, the aggregate liability of the Company arising from a claim involving a Company-Provided Service will not exceed the greater of: (a) amounts actually paid to the Company for the specific Service giving rise to the claim during the 6 months before the event giving rise to liability; or (b) the minimum amount required by applicable law. For a Vendor Service, the Vendor is responsible for its own performance; the Company is not liable merely because the transaction used the marketplace. These limits do not apply to liability that cannot lawfully be limited, including mandatory remedies or categories such as fraud, intentional misconduct, certain personal injury/death, privacy/security liability, or statutory penalties where non-waivable law so provides.

16. Indemnification

To the fullest extent permitted by law, a Business User, Vendor, or person acting outside a protected consumer capacity will defend, indemnify and hold harmless the Company and its affiliates/personnel from third-party claims, penalties, losses, liabilities and reasonable costs arising from unlawful Customer/Vendor content, instructions or data; false authority representations; IP/privacy/recording violations; misuse of the Services; or breach of the Agreement. Consumer indemnity obligations, if any, apply only to the extent fair, reasonable and enforceable under local law and do not shift liability the Company cannot lawfully disclaim.

17. Dispute Resolution, Governing Law & Global Forum Rules

17.1 Informal resolution. Before formal proceedings, the claimant should send a written dispute notice through the Contact Us process identifying the account/order, facts and requested relief and allow 30 days for good-faith resolution, unless urgent relief or mandatory law allows otherwise.

17.2 U.S. consumers. To the fullest extent permitted by U.S. law, unresolved disputes involving a U.S. Consumer will be resolved by individual binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, with remote proceedings where permitted. The Federal Arbitration Act governs this arbitration clause to the extent applicable. The Consumer may opt out within 30 days after first becoming subject to the arbitration clause by written notice through Contact Us. Eligible individual small-claims matters may be brought in small-claims court. Class/representative and jury waivers apply only to the extent enforceable.

17.3 Consumers outside the United States. We do not require a Consumer outside the U.S. to waive a mandatory right to use the courts, consumer tribunal, regulator, ombudsman, ADR body or other forum available under local law. The parties may mutually agree to mediation or arbitration after a dispute arises where lawful. Any choice-of-law clause is subject to the Consumer's non-waivable protections in the country of habitual residence.

17.4 Business Users worldwide. Except for eligible debt collection, interim/injunctive relief or claims that applicable law requires to be heard elsewhere, disputes with a Business User or Vendor that cannot be resolved informally will be finally resolved by one arbitrator under the International Centre for Dispute Resolution (ICDR) International Arbitration Rules. The seat is Nevis, Federation of Saint Christopher and Nevis; the language is English; remote hearings are preferred where permitted. Judgment on the award may be entered in any court with jurisdiction.

17.5 Governing law. Except for U.S. arbitration law and mandatory local consumer law, the Agreement is governed by the laws of the Federation of Saint Christopher and Nevis, without regard to conflict principles. For non-arbitrable business disputes, the courts of Nevis have exclusive jurisdiction unless applicable law requires otherwise. For Consumers, mandatory local law and local forum rights remain available.

17.6 Urgent and protective relief. Either party may seek temporary or injunctive relief in a court with jurisdiction for IP misuse, unauthorized access, privacy/security breaches, fraud, impersonation, scraping, data misuse, confidentiality violations, platform circumvention, account compromise or other imminent/irreparable harm.

17.7 Limitation periods. Any contractual claim-shortening period applies only where lawful and will never shorten a mandatory statutory limitation period.

18. Regional Consumer Terms

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19. Sanctions, Export Controls, Anti-Fraud & Legal Compliance

You may not use the Services in violation of applicable sanctions, export controls, anti-money-laundering, anti-bribery, anti-corruption, tax, fraud-prevention or other trade laws. We may screen, block, suspend or reject transactions where reasonably necessary for compliance, processor/bank rules or legal risk, and may request source-of-funds, identity or business documentation where appropriate.

20. Suspension, Termination & Enforcement

We may suspend, restrict, delist, reduce visibility, cancel transactions, remove content, impose reserves/holds, refuse a task, or terminate accounts when reasonably necessary for non-payment, fraud, safety, unlawful conduct, abuse, threats, sanctions/compliance risk, processor/hosting requirements, repeated complaints, inaccurate verification, data/security risk, reputational/platform-integrity risk, or material breach. Where lawful, urgent action may occur without advance notice. Termination does not erase accrued payment, chargeback, refund, reserve, confidentiality, IP, privacy, indemnity, record-preservation or dispute obligations.

21. Miscellaneous

21.1 Force majeure. We are not liable for delay/failure caused by events beyond reasonable control, including disasters, war, terrorism, civil unrest, labor disputes, power/internet/cloud failures, cyberattacks, carrier/processor failures, epidemics, government action, sanctions, supply-chain failure or legal/regulatory change, except where mandatory law provides otherwise.

21.2 Assignment. You may not assign the Agreement without written consent. We may assign it in connection with a merger, financing, reorganization, affiliate restructuring, sale of business/assets or operation of law, subject to applicable privacy and consumer law.

21.3 Severability; no waiver. Invalid terms are modified or severed to the minimum extent necessary; the remainder stays effective. Failure to enforce a provision is not a waiver.

21.4 Language. English is the master language to the extent permitted by law. Translations may be provided for convenience or where legally required. If applicable law requires a local-language version to control, that version controls only to the required extent for that user/transaction.

21.5 Entire agreement and survival. The Agreement is the entire agreement on its subject, except separate signed terms that expressly survive. Payment, payout, Gift Certificate/credit, refund, reserve, IP, privacy, confidentiality, liability, indemnity, dispute, Vendor and record provisions survive as appropriate.

21.6 Contact. Submit support, disputes, legal notices and other communications through https://livelifeall.com/contact-us/ unless a legally required method applies.