This document was prepared with AI assistance and reflects our current practices. It is being reviewed by counsel; for questions email [email protected].

CloviTek Platform — Legal, Financial & AI Disclaimer

Effective date: [DATE]

Vital Webmaster LLC (d/b/a CloviTek)

Important — Please Read This Disclaimer Carefully

This Disclaimer applies to all products and services operated by Vital Webmaster LLC, a [State] limited liability company doing business as CloviCFO ("Company," "we," "us," or "our"), including without limitation CloviCFO, CloviShell, CloviLegal, CloviTrade, CloviCrypto, and any related platforms or features (collectively, the "CloviTek Platform" or "Platform").

By accessing or using any part of the CloviTek Platform, you ("User" or "you") acknowledge that you have read, understood, and agree to this Disclaimer. If you do not agree, you must not use the Platform.

Note for reviewer: Existing public-facing CloviTek pages may reference "CloviTek LLC" as the operating entity. The correct legal entity is Vital Webmaster LLC. Please confirm and reconcile across all live pages before this Disclaimer goes live.

1. CloviCFO — Bookkeeping & Financial Reporting Tools Disclaimer

1.1 Tools Only — Not Professional Advice

CloviCFO is an AI-assisted bookkeeping and financial reporting tool. CloviCFO and all outputs it generates — including transaction categorizations, ledger entries, financial summaries, reports, dashboards, and any related content — are provided for organizational and informational purposes only.

CloviCFO does not provide, and nothing on the CloviTek Platform constitutes:

Tax advice or tax-return preparation;
Accounting advice within the meaning of services provided by a licensed Certified Public Accountant (CPA) or public accountant;
Financial advice, financial planning, or financial consulting;
Legal advice of any kind; or
Any other regulated professional service.

CloviCFO is not a substitute for a licensed CPA, accountant, bookkeeper, tax professional, or attorney. You should consult a qualified licensed professional for any decisions that have tax, accounting, legal, or financial consequences.

1.2 AI Transaction Categorization — Not Guaranteed Accurate

CloviCFO uses artificial intelligence and machine learning models to categorize your financial transactions, generate reports, and surface bookkeeping entries automatically. AI-generated categorizations and outputs are not guaranteed to be accurate, complete, or suitable for your particular circumstances. Errors, misclassifications, omissions, and inaccuracies may occur.

You are solely responsible for reviewing, verifying, correcting, and approving all AI-generated categorizations, entries, and reports before relying on them for any purpose, including but not limited to tax filings, financial statements, business decisions, or regulatory submissions. We strongly recommend that all CloviCFO outputs be reviewed by a qualified licensed accounting or tax professional before such reliance.

1.3 Plaid-Connected Financial Data

CloviCFO connects to your bank accounts and credit-card accounts through Plaid Inc. with your explicit authorization. By connecting an account, you authorize CloviCFO to retrieve transaction data, account balances, and related information solely to provide bookkeeping, categorization, and reporting features to you. We do not sell, share, or transfer your financial data to any third party for marketing, advertising, or resale. You may disconnect any linked account and request deletion of your imported data at any time by contacting us at [email protected].

2. AI & Automated Output Disclaimer (All CloviTek Products)

2.1 AI-Generated Content Is Not Professional Output

All CloviTek products — including CloviCFO, CloviShell, CloviLegal, CloviTrade, CloviCrypto, and any other Platform features — may use AI models, large language models (LLMs), or other automated systems (collectively, "AI Systems") to generate text, code, analysis, categorizations, recommendations, summaries, legal draft language, financial data, or other content (collectively, "AI-Generated Content").

AI-Generated Content is provided as an informational starting point or draft only. It:

May contain errors, hallucinations, outdated information, or inaccuracies;
Is not reviewed by a licensed attorney, CPA, financial advisor, or other professional before delivery to you;
Does not constitute the opinion, advice, or certification of any licensed professional; and
May not reflect applicable law, regulation, or current best practice in your jurisdiction.

2.2 User Responsibility

You are solely responsible for reviewing, verifying, editing, and taking responsibility for any AI-Generated Content before you use, publish, submit, file, or rely upon it. The Company is a tool provider, not a professional services firm. No attorney-client, accountant-client, advisor-client, or other professional relationship is formed by your use of the Platform.

2.3 AI Sub-Processors

To provide AI-powered features, certain content — including transaction data, documents, and other input you submit — may be transmitted to third-party AI model providers, including Anthropic, OpenAI, and Google (each, an "AI Sub-Processor"). Where contractually available, we engage AI Sub-Processors on a no-training / zero-retention basis, meaning your data is used only to return your requested result and is not used to train their models. However, you should review each provider's terms and privacy documentation. A full list of our sub-processors is available in our Privacy Policy.

3. CloviTrade, CloviCrypto & Trading-Related Products — Investment Disclaimer

3.1 Not Investment, Trading, or Financial Advice

CloviTrade, CloviCrypto, and any other trading- or investment-related features of the CloviTek Platform provide informational research tools, data aggregation, and AI-generated analysis only. Nothing on the Platform constitutes:

Investment advice within the meaning of any applicable securities law or regulation;
Trading advice, trading signals, or trade recommendations that should be followed without independent judgment;
Financial planning or financial advisory services;
Tax advice in connection with investment or crypto transactions; or
Any representation, warranty, or guarantee regarding the future performance of any asset, security, cryptocurrency, or market.

3.2 Not a Broker-Dealer or Registered Investment Adviser

Vital Webmaster LLC is not a registered broker-dealer, investment adviser, commodity trading adviser, futures commission merchant, or financial planner under applicable U.S. federal or state law (including the Securities Exchange Act of 1934, the Investment Advisers Act of 1940, or any analogous state law), and is not regulated or supervised by the U.S. Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), the Commodity Futures Trading Commission (CFTC), or any comparable regulatory body.

3.3 No Guarantee of Returns; Assumption of Risk

All investments, trades, and cryptocurrency transactions involve substantial risk, including the risk of total loss of capital. Past performance displayed or referenced on the Platform is not indicative of future results. Cryptocurrency markets are highly volatile, speculative, and may be subject to limited regulatory oversight.

You make your own independent investment and trading decisions. You bear your own risk. We strongly encourage you to consult a licensed registered investment adviser, broker-dealer, or qualified financial professional before making any investment or trading decision.

3.4 Not a Solicitation

Nothing on the CloviTek Platform constitutes an offer to buy or sell any security, commodity, cryptocurrency, or other financial instrument, or a solicitation of any offer to buy or sell.

4. General "As Is" Disclaimer & Limitation of Liability

4.1 No Warranties

THE CLOVITEK PLATFORM AND ALL CONTENT, TOOLS, AI-GENERATED OUTPUTS, DATA, REPORTS, AND SERVICES AVAILABLE THROUGH IT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING WITHOUT LIMITATION:

WARRANTIES OF MERCHANTABILITY, FITNESS for a particular purpose, and non-infringement;
Warranties that the Platform will be uninterrupted, error-free, secure, or free of viruses or malicious code;
Warranties as to the accuracy, completeness, timeliness, or reliability of any content, AI-Generated Content, financial data, categorization, or report; and
Warranties that any particular result will be achieved by use of the Platform.

4.2 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL VITAL WEBMASTER LLC, ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY:

INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES;
Damages for loss of profits, revenue, data, goodwill, business opportunity, or anticipated savings;
Damages arising from your reliance on any AI-Generated Content, financial report, categorization, or recommendation produced by the Platform; or
Damages arising from unauthorized access to or alteration of your data, except to the extent caused by our gross negligence or willful misconduct.

IN ANY EVENT, OUR AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE PLATFORM SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (USD $100.00).

Some jurisdictions (including certain EU member states) do not allow the exclusion or limitation of certain warranties or liability. Nothing in this Section 4 limits any rights you may have under applicable mandatory law, including EU consumer protection law or the GDPR.

5. External Links & Third-Party Services Disclaimer

5.1 Third-Party Links

The CloviTek Platform may contain links to, or integrations with, third-party websites, services, APIs, or resources not owned or controlled by Vital Webmaster LLC, including but not limited to Plaid, AWS, Chargebee, Anthropic, OpenAI, and Google. These links and integrations are provided for convenience only.

We have no control over, and assume no responsibility for, the content, privacy policies, terms of service, accuracy, or practices of any third-party website or service. The inclusion of any link or integration does not imply our endorsement of, or affiliation with, that third party.

5.2 Third-Party Terms

Your use of any third-party service accessed through or in connection with the CloviTek Platform is governed by that third party's own terms and privacy policy. We strongly encourage you to review those terms before using any third-party service. We are not responsible for any loss or damage you suffer as a result of your interactions with third parties.

5.3 No Third-Party Liability

Vital Webmaster LLC is not liable for any damage, loss, or harm arising from your use of, or reliance on, any third-party website, service, data, or content, including data received from Plaid or AI output returned by Anthropic, OpenAI, or Google.

6. GDPR & Cross-Border Data Transfer Notice

If you are located in the European Union, European Economic Area, or United Kingdom, please note:

Primary application servers and databases are hosted in the EU (France, via Contabo).
Uploaded documents and receipts are stored on AWS S3 in the United States. This constitutes a cross-border transfer of personal data from the EU to the US. Such transfers are made under applicable transfer mechanisms (including, where applicable, Standard Contractual Clauses). Full details are set out in our Privacy Policy at [Privacy Policy URL].
You have rights under the GDPR including rights of access, rectification, portability, and erasure. To exercise these rights, contact [email protected].
In the event of a personal data breach, we will notify affected users and, where required, the relevant supervisory authority without undue delay and within 72 hours where required by GDPR Article 33.

This Disclaimer is a summary notice. Our full Privacy Policy governs all data processing practices and is incorporated herein by reference.

7. No Professional Relationship

Nothing in the CloviTek Platform, any AI-Generated Content, any product feature, or any communication from Vital Webmaster LLC creates or is intended to create:

An attorney-client relationship;
An accountant-client or CPA-client relationship;
A financial advisory or investment advisory relationship;
A broker-dealer relationship; or
Any other regulated professional relationship.

CloviLegal, in particular, is an AI-assisted legal drafting and review tool — it is not a law firm and does not practice law. For case-specific legal advice, litigation strategy, regulatory filings, or any matter requiring licensed legal counsel, you should retain a licensed attorney in the relevant jurisdiction.

8. Governing Law

This Disclaimer is governed by and construed in accordance with the laws of the State of [Utah / confirm state of formation for Vital Webmaster LLC], without regard to its conflict-of-law principles, except to the extent that applicable mandatory law of another jurisdiction (including EU member state law) requires otherwise.

Note for reviewer: Existing CloviLegal terms reference Utah as the governing state. Please confirm the state of formation or principal place of business for Vital Webmaster LLC and update accordingly.

9. Changes to This Disclaimer

We reserve the right to update or modify this Disclaimer at any time. If we make material changes, we will provide reasonable notice (for example, by updating the effective date and, where feasible, by notifying you via email or an in-product notice). Your continued use of the CloviTek Platform after the effective date of any updated Disclaimer constitutes your acceptance of the changes.

10. Contact

If you have questions about this Disclaimer, please contact us:

Purpose	Contact
Privacy & data rights (GDPR, data deletion, Plaid disconnect)	[email protected]
Legal notices & disputes	[email protected]
General	[general contact email or URL]

Vital Webmaster LLC (d/b/a CloviTek) [Registered Address] [City, State, ZIP] United States

This Disclaimer does not constitute legal advice. Vital Webmaster LLC recommends that you consult a licensed attorney or other qualified professional for advice specific to your situation.

DRAFT — NOT YET PUBLISHED. This document was generated by the CloviLegal DraftAgent engine (model claude-sonnet-4-6) on 2026-06-24 from the controlling facts supplied. AI drafting/review assistant — not legal advice. Consult a licensed attorney. It is an AI-generated starting draft and is not legal advice; have a licensed attorney review before publishing — especially the GDPR, Plaid, and international-transfer clauses.