Terms & Conditions

Effective Date: Jan. 1, 2026
Last Updated: March 2, 2026

TERMS OF SERVICE

These Terms of Service (“Terms”) govern your access to and use of the services provided by MNBF, LLC, a Texas entity (“Company,” “we,” “us,” or “our”), including our mobile application, website, application program and services, communication platform and support services, subscription services, and related features or services (collectively, the “Services”).  By creating an account, subscribing, or using the Services, you as a Consumer agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference, and these Terms of Service constitute a legally binding agreement made between you (personally or on your behalf of an entity) (collectively “Consumer”), and MBNF, LLC, concerning your access to and use of the Services.

1. Eligibility and Acceptance

The Consumer states that they are at least 18 years old and legally capable of entering into a binding agreement to use the Services.  By accessing or using the Services, You represent and agree that: (1) the Consumer is the user of the Services or a person providing access to the Services for another, and (2) the Consumer agrees to assume all liabilities and responsibilities set forth in these Terms of Service and the Company’s Privacy Policy related to the Services.  If the Consumer does not agree to these Terms of Service or any portion of the Privacy Policy, the Consumer is not authorized to use any of the Company’s Services.

2. Description of the Services

The Services provided include a mobile application, website, application program and support services, communication platform and support services, subscription services, and related features or services, including the facilitation of access to content provided by, and created by, others.  The Consumer recognizes and agrees that the Company is not a content producer or content generator, and the Consumer understands and agrees that the content provided by the Company and its Services are not guaranteed to be accurate, complete or timely as provided to the Consumer.  The Company is not liable for inaccurate content, delayed or incomplete content, unavailability of content, loss of connectivity, power loss, environmental conditions, or system errors. 

The Consumer agrees and acknowledges that the Services do not constitute professional, medical, technical, financial, legal, engineering or any other type of specialized advice that should be relied upon to the detriment of the Consumer, and the Consumer acknowledges and agrees that they do not intend to rely solely on the content provided by the Company Services to provide any such advice or recommendations.  Consumer agrees that they will remain solely responsible and liable for their actions and their own well-being because the Consumer agrees that the content provided by the Company and its Services is not meant to be relied upon or replace the Consumer’s common sense, reasonable or rational decisions, or any other type of professional guidance that the Consumer should retain from another source to provide themselves with advice and counsel.  Consumer also agrees not to access the Services through automated or non-human means, whether through a bot, script or otherwise, not to use the Services for any illegal or unauthorized purpose; and that the Consumer’s use of the Services will not violate any applicable law or regulation.

Consumer may provide input communications to the Services (“Input”), and receive output communications from the Services based on the Input (“Output”). Input and Output are collectively referenced as “Content,” which Consumer is solely responsible for, including ensuring that it does not violate any applicable law or these Terms of Service.  Consumer represents and warrants that it possesses all rights, licenses, and permissions needed to provide Input to our Services, and Company will be deemed, to the extent permitted by applicable law, to possess all ownership rights to the Input and Output Content.  The Consumer hereby assigns to Company all right, title, and interest, if any, the Consumer may possess in and to said Input and Output Content without recordation of the transfer and without the need for any separate written transfer of ownership documentation. 

Due to the nature of our Services and artificial intelligence generally, Output Content may not be unique, and other users may receive similar Output from our Services.  Without any request for compensation and free from any ownership claim by Consumer, Company may use Content to provide, maintain, develop, and improve its Services, comply with applicable law, enforce its terms and policies, and keep its Services safe. 

Artificial intelligence and machine learning may support the content of Output provided to Consumer, but those technologies are evolving fields.  Those technologies are improving to make the Output more accurate, reliable, safe, and beneficial. Given the probabilistic nature of machine learning, however, use of the Company’s Services may, in some situations, result in Output Content that is not accurate or does not accurately reflect real people, places, or facts.

Consumer agrees and acknowledges that Output may not always be accurate, and Consumer agrees not to rely on Output from our Services as a source of truthful or factual information or as a substitute for professional advice.  Consumer agrees to evaluate Output for accuracy and appropriateness for his or her own use case, including using human review as appropriate, before using or sharing Output from the Services.  Consumer must not use any Output relating to a person for any purpose that could have a legal or material impact on that person, such as making important decisions concerning credit, educational, employment, housing, insurance, legal, or medical issues.  The Services may provide incomplete, incorrect, or offensive Output that does not represent Company’s views. If Output references any third-party services or products, that reference does not mean a third-party endorsed such Output Content or that the third party is affiliated with the Company. 

3. Account Registration and Responsibilities

Consumer must create an account to access the Services, and the Consumer agrees to provide accurate, current, and complete information and to keep their account information updated.  Consumer also assumes all responsibility for maintaining the confidentiality of your login credentials and for all activity that occurs under your account, and the Consumer agrees to notify the Company immediately about any unauthorized use of your account. 

4. Connected Devices and Data Collection

Consumer understands and acknowledges that the use of the Services requires connecting compatible devices or computer systems to the Company websites and/or application programs.  By connecting a device, the Consumer expressly authorizes the Company to collect operational, personal and diagnostic data, and to process such data as is reasonably necessary to provide Services to the Consumer. 

Consumer is solely responsible for ensuring that any devices connected to the Company websites and/or application programs are properly powered, updated, and virus-free, and Consumer acknowledges and agrees that they are solely responsible for proper installation, operation, upgrade, and maintenance of its mobile devices and computer systems. 

5. Subscription Plans, Billing, and Payments

There are features of the Services that are available through paid subscriptions and/or other payment options.  Subscription details, pricing, billing frequency, and included features should be disclosed at the time of purchase.  The Company may, from time to time, make changes to the subscription fees and will communicate any price changes to you in accordance with applicable law.  Subscriptions and other payment options are automatically renewed unless canceled prior to any renewal date.  Consumer authorizes the Company and its payment processor to charge Consumer’s selected payment method for recurring fees, taxes, and applicable charges.  All fees are non-refundable except as required by law or expressly stated in writing. 

If the Consumer authorizes and uses a third party payment processor to process their billing payments (such as Google or Apple billing/payment processing), Consumer agrees and acknowledges that the Company is not responsible or liable for any billing dispute that may arise with that third party payment processor.  Consumer also agrees to address and direct any billing question, inquiry, concern or complaint to their third party payment processor, as Consumer releases the Company entirely from any responsibility or liability arising from such a billing dispute, question, inquiry, concern or complaint with the third party payment processor.

6. Cancellation and Termination

The Consumer may cancel their subscription through their account settings or as otherwise provided, and any cancellation will take effect at the end of the current billing cycle.  The Company may suspend or terminate access to the Services if the Consumer violates these Terms, misuses the Services, fails to pay applicable fees, or engages in unlawful or fraudulent conduct.

If we terminate or suspend your account for any reason, Consumer shall be prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party.  In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, COMPANY RESERVES THE RIGHT TO, IN ITS SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO OR USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON OR CONSUMER FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE TERMS OF SERVICE OR OF ANY APPLICABLE LAW OR REGULATION.  COMPANY MAY TERMINATE CONSUMER’S USE OR PARTICIPATION IN THE SERVICES OR DELETE CONSUMER’S ACCOUNT AND ANY CONTENT OR INFORMATION THAT CONSUMER POSTED AT ANY TIME, WITHOUT WARNING, IN COMPANY’S SOLE DISCRETION.

7. User Obligations and Prohibited Conduct

Consumer agrees not to use the Services for any unlawful or fraudulent purpose, and the Consumer agrees not to reverse engineer, modify, or interfere with the Services or the Company’s websites or application programs.  Consumer also agrees not to circumvent security features or access controls, and Consumer agrees not to use the Services in a manner that could infringe on any other person’s or entity’s intellectual property rights (e.g. trademark, copyright, patent or trade secret rights), damage persons or property, or otherwise interfere with operations of the Services provided by the Company on its websites or application programs. 

The information and Content provided by the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country.  The Consumer agrees to be solely responsible for any damages, legal costs, fees or penalties associated with any improper distribution or use of the information or Content provided by the Company Services.

Consumer agrees not to post, send, publish, upload, or transmit through the Services any Submission that is illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening to any person or group, sexually explicit, false, inaccurate, deceitful, or misleading.  Consumer also waives all moral rights to any such Submission, warrants that any such Submission is original to you or that you have the necessary rights and licenses to submit such Submissions, that you have full authority to grant us the abovementioned rights in relation to your Submissions, and, warrants and represents that your Submissions do not constitute confidential information.  The Consumer agrees to be solely responsible for any Submission provided by the Consumer to the Company Services and Consumer expressly agrees to reimburse the Company for any losses suffered as a result of the Submission of Input Content or the use of Output Content, including any alleged infringement of any third party’s intellectual property rights or any alleged violation of applicable law.

The Services may not be used in connection with any commercial endeavors except those that are specifically endorsed or approved by us.  You, the Consumer, agree not to: (a) systematically retrieve data or other content from the Services to create or compile, directly or indirectly, a collection, compilation, database, or directory without written permission from us, (b) trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords, (c) circumvent, disable, or otherwise interfere with security-related features of the Services, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the Services and/or the Content contained therein, (d) disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services, (e) use any information obtained from the Services in order to harass, abuse, or harm another person, (f) make improper use of our support services or submit false reports of abuse or misconduct, (g) use the Services in a manner inconsistent with any applicable laws or regulations, (h) engage in unauthorized framing of or linking to the Services, (i) upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party’s uninterrupted use and enjoyment of the Services or modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the Services, (j) engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools, (k) delete the copyright or other proprietary rights notice from any Content, (l) attempt to impersonate another user or person or use the username of another user, (m) upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats (“gifs”), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as “spyware” or “passive collection mechanisms” or “pcms”), (n) interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services, (o) harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you, (p) attempt to bypass any measures of the Services designed to prevent or restrict access to the Services, or any portion of the Services, (q) copy or adapt the Services’ software, including but not limited to Flash, PHP, HTML, JavaScript, or other code, (r) decipher, decompile, disassemble, or reverse engineer any of the software comprising or in any way making up a part of the Services, (s) use, launch, develop, or distribute any automated system, including without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use or launch any unauthorized script or other software, (t) use a buying agent or purchasing agent to make purchases on the Services, (u) make any unauthorized use of the Services, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses, (v) use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavor or commercial enterprise, (w) use the Services to advertise or offer to sell goods and services, or (x) sell or otherwise transfer your profile.  The Consumer agrees to be solely responsible for any damages, legal costs, fees or penalties associated with any violation of these prohibited activities. 

8. Intellectual Property

The Services, including software, content, trademarks, and logos, are owned by the Company or otherwise properly licensed to the Company.  Consumer is granted a limited, non-exclusive, non-transferable license to use the Services for personal and informational purposes, which is an active license granted only while the Consumer’s account is fully paid up.  Consumer is not granted any ownership rights or rights to sublicense any granted rights to this Intellectual Property to others.  The Company reserves all rights not expressly granted to you in and to the Services, Content, and Marks, and apart from the above, no other ownership or license rights are transferred or licensed to Consumer. 

No part of the Services, content provided by Services, or any intellectual property right owned by Company or any third party shall be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, by the Consumer without the express prior written permission of the owner of the intellectual property right.  By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services (“Submissions”), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.

9. Service Availability and Modifications

Consumer agrees that his or her use of the services will be at their sole risk.  Company makes no warranties or representations about the accuracy or completeness of the Services’ content or the content of any websites or applications linked to the Services, and the Company does not assume any liability or responsibility for any (1) errors, mistakes, or inaccuracies of content and materials, (2) personal injury or property damage, of any nature whatsoever, resulting from your access to and use of the Services, (3) any unauthorized access to or use of our secure servers and/or any and all personal information and/or financial information stored therein, (4) any interruption or cessation of transmission to or from the Services, (5) any bugs, viruses, trojan horses, or the like which may be transmitted to or through the Services by any third party, and/or (6) any errors or omissions in any content and materials or for any loss or damage of any kind incurred as a result of the use of any content posted, transmitted, or otherwise made available via the Services.  Company does not warrant, endorse, guarantee, or assume responsibility for any product or service advertised or offered by a third party through the Services, any hyperlinked website, or any website or application featured in any banner or other advertising, and Company will not be a party to or in any way be responsible for monitoring any transaction between you and any third party providers of products or services.  As with the purchase of a product or service through any medium or in any environment, you should use your best judgment and exercise caution where appropriate.

The Company does not guarantee uninterrupted operation of Services or error-free content using its Services, and the Company may modify, suspend, or discontinue any part of the Services at any time.  The Company is not responsible for outages caused by third-party networks, utilities, or device failures and the Company is not responsible for any direct or indirect, or consequential damages, caused by any alleged error in the content provided using the Services or any recommendation, whether error-free or not, provided using the Services.  The Consumer agrees and acknowledges that the Company is not liable or responsible for any alleged direct or indirect, or consequential damages, associated with any claims related to matters that disclaimed from being the Company’s responsibility for, as noted above. 

Company reserves the right, but not the obligation, to: (a) monitor the Services for violations of these Terms of Service; (b) take appropriate legal action against anyone who, in Company’s sole discretion, violates the law or these Legal Terms, including without limitation, reporting such user to law enforcement authorities; (c) in Company’s sole discretion and without limitation, refuse, restrict access to, limit the availability of, or disable any of your Contributions or any portion thereof; (4) in Company’s sole discretion and without limitation, notice, or liability, remove from the Services or otherwise disable all files and content that are excessive in size or are in any way burdensome to Company systems; and (5) otherwise manage the Services in a manner designed to protect Company’s rights and property and to facilitate the proper functioning of the Services.

Company reserves the right to change, modify, or remove the contents of the Services at any time or for any reason at its sole discretion without notice, and Company has no obligation to update any information on our Services.  Company will not be liable to Consumer or any third party for any modification, price change, suspension, or discontinuance of the Services. 

Company reserves the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without giving notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Terms of Service will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.

10. Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.”  THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

THE COMPANY DOES NOT WARRANT THAT:

• CONTENT PROVIDED BY SERVICES WILL BE ERROR-FREE;
• DATA PROVIDED BY SERVICES WILL BE ACCURATE OR COMPLETE;
• ADVICE PROVIDED BY SERVICES SHOULD BE RELIED UPON BY THE CONSUMER; OR,
• THE SERVICES WILL OPERATE WITHOUT INTERRUPTION OR ERROR.

Consumer acknowledges and agrees that they are solely responsible for their own behavior and conduct, and the Consumer agrees that they will remain solely responsible and liable for their actions and their own well-being because the Consumer agrees that the Company and its Services are not meant to be relied upon or replace the Consumer’s common sense, reasonable or rational decisions, or any other type of professional guidance that the Consumer should retain to provide professional advice and counsel.

11. Limitations of Liability

UNLESS THERE IS GROSS NEGLIGENCE OR WILFULL MISCONDUCT PROVEN ON THE PART OF COMPANY, TO THE MAXIMUM EXTENT PERMITTED BY TEXAS LAW, THE COMPANY (ITS OFFICERS, DIRECTORS, AGENTS AND EMPLOYEES) SHALL NOT BE LIABLE FOR:

• PROPERTY DAMAGE;
• PERSONAL INJURY;
• LOST PROFITS, REVENUE OR DATA;
• DIRECT OR INDIRECT, OR CONSEQUENTIAL DAMAGES ALLEGED TO BE ASSOCIATED WITH THE SERVICES PROVIDED BY COMPANY;
• ANY INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES.

THE CONSUMER AGREES THAT THE COMPANY’S TOTAL LIABILITY FOR ANY CLAIM OF DAMAGES SHALL BE LIMITED TO, AND NOT EXCEED, THE TOTAL FEES PAID BY CONSUMER FOR THE SERVICES DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

12. Indemnification

Consumer agrees to indemnify and hold harmless the Company from any claims arising out of Consumer’s use or misuse of the Services, including any claims that the Services provided to Consumer: (a) infringe any person or entity’s intellectual property rights (trademark, copyright, patent or trade secret rights), (b) damage persons or property, or (c) interfere with operations of the Services provided by the Company on its websites or application programs.  Consumer agrees to indemnity Company for any damages caused by Consumer’s violation of these Terms of Service, as well as any costs or fees associated with any legal claims made against Company or any unauthorized data sharing by Consumer.  Moreover, Consumer agrees to indemnify the Company for any claims to liability, and the costs of defense for claims that are not otherwise covered by these Terms or for any claims that have been forfeited and relinquished by Consumer.

13. Privacy and Data Protection

The Company’s collection and use of personal data is governed by the Company Privacy Policy, which is incorporated by reference.  By using the Services, Consumer consents to data processing as described in the Privacy Policy.

14. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Any dispute arising out of or relating to these Terms or the Services shall be resolved by binding arbitration, except where prohibited by law.  You and Company mutually agree that any dispute, claim, or controversy arising out of or relating to these Terms of Service, the Privacy Policy, your subscription, or the Services (collectively, “Disputes”) shall be resolved exclusively by final and binding arbitration, rather than in court, except as expressly provided below.  This agreement applies equally to you and the Company.  YOU AND THE COMPANY KNOWINGLY AND VOLUNTARILY WAIVE THE RIGHT TO A TRIAL BY JURY for any Dispute covered by this arbitration agreement.

This arbitration agreement is governed by the Federal Arbitration Act (9 U.S.C. §§ 1–16) (“FAA”) and, to the extent not preempted, the laws of the State of Texas.  The parties expressly agree that the Services involve interstate commerce and that the FAA applies to any claim that arises in the future between the Company and the Consumer.

This arbitration agreement shall be interpreted broadly and applies to all Disputes, whether based in contract, tort, statute, fraud or misrepresentation, negligence, privacy, data use, or data security, property damage or failure to detect conditions, and/or insurance or warranty integrations; and, this agreement applies to all claims arising before, during, or after termination of the Services.

Notwithstanding the foregoing, either party may bring an individual claim in a Texas Justice Court (small claims court), if the claim qualifies; or a claim seeking temporary or permanent injunctive relief in court solely to prevent unauthorized access, misuse of intellectual property, or violation of data security obligations.  These exceptions do not waive the obligation to arbitrate all other Disputes.

The arbitrator, and not any court, shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement; and whether any Dispute is subject to arbitration.  This delegation provision is intended to be severable and enforceable under the FAA.  Arbitration shall be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules in effect at the time the arbitration is initiated, as modified by this agreement.  Arbitration shall be conducted by a single neutral arbitrator, and the Arbitration shall take place in the Texas county of your residence or another Texas location agreed upon by the parties.  The arbitrator may conduct proceedings by video conference, telephone, written submissions, or in person, as appropriate.

The party requesting arbitration all shall pay all AAA filing, administrative, and arbitrator fees.  Each party shall bear its own attorneys’ fees and costs involved with the arbitration unless otherwise awarded by the arbitrator under applicable law.  No fee-shifting provision shall be applied in a manner that would deter a consumer from pursuing a claim.

All Disputes shall be resolved on an individual basis only, which means all rights to participate in, or file, a class action, collective action, private attorney general action, and/or representative action are expressly waived by the Consumer.  The arbitrator shall have no authority to consolidate claims or preside over any form of representative proceeding.

By creating an account, subscribing, or using the Services, Consumer acknowledges that they have read, understand, and agree to this arbitration agreement and waiver of jury trial.  Consumer may opt out of this arbitration agreement without penalty by providing written notice within thirty (30) days of first accepting these Terms.  The opt-out notice must include Consumer’s full name, email address associated with your account; and a clear statement that you are opting out of arbitration.  All Opt-Out notices must be sent, in writing, to:

Attention: Opt-Out Requests

MNBF, LLC

c/o Mr. Gary Dubuisson

PO Box 74

Rochelle, TX 76872

Opting out of arbitration does not affect any other provision of these Terms.

If any portion of this arbitration agreement is found unenforceable, the remainder of this arbitration agreement shall remain in effect.  This arbitration agreement shall survive termination of your account, subscription, or use of the Services.

15. Governing Law and Venue

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-law principles.  Any permitted court proceedings shall be brought in a court of competent jurisdiction located in Texas, except where precluded by the arbitration agreement and waiver of jury trial. 

16. Changes to These Terms

The Company may update these Terms of Service from time to time, and we reserve the right, in our sole discretion, to make changes or modifications to these Legal Terms at any time and for any reason.  Supplemental terms and conditions or documents that may be posted by the Company are hereby expressly incorporated herein by reference.

You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Terms of Service or Privacy Policy by your continued use of the Services after the date the Terms of Service or Privacy Policy were revised. That is, the continued use of the Services by the Consumer after any such changes constitutes acceptance by the Consumer of the revised Terms, and you waive any right to receive specific notice of each such change by your continued use of the Services.

17. Severability and Entire Agreement

If any provision of these Terms is found unenforceable, the remaining provisions shall remain in effect.  These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Company.

You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require a separate consent statement, an original signature, or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

18. Contact Information

For questions about these Terms, contact:

MNBF, LLC

c/o Mr. Gary Dubuisson

PO Box 74

Rochelle, TX 76872

info@mynewbestfriend.ai