Terms of Service

Last updated: July 28, 2026

1. Agreement to Terms

These Terms of Service (“Terms”) are a binding legal agreement between you (“you” or “User”) and Felix Financial Services (“Felix,” “we,” “us,” or “our”) governing your access to and use of the Felix platform, website, mobile experiences, and related services (collectively, the “Services”). By creating an account, clicking to accept these Terms, or otherwise accessing or using the Services, you agree to be bound by these Terms and by our Privacy Policy and Cookie Policy, each of which is incorporated into these Terms by reference. If you do not agree to these Terms, you must not access or use the Services.

If you access Felix through a partner organization’s domain or see that organization’s name, logo, or colors alongside Felix, that presentation is co-branding only. Your account is a Felix account, Felix provides the Services, and these Terms are between you and Felix Financial Services. The partner is not substituted for Felix as the service provider or party to these Terms.

We may revise these Terms from time to time as described in Section 26 (Changes to These Terms). The version of the Terms you accept, together with the date, time, IP address, and version identifier of your acceptance, is recorded in our consent ledger as described in Section 7.

2. Description of the Services

Felix provides a technology-enabled platform that assists consumers with debt negotiation on a do-it-yourself basis. Our Services include: (a) credit analysis based on soft credit inquiries authorized by you; (b) identification and prioritization of accounts that may be candidates for negotiation; (c) the preparation of creditor correspondence that you review and electronically sign so that it can be mailed to your creditors in your own name and from your own return address; (d) presentation of settlement offers received from your creditors for your review and approval; (e) tools to upload, organize, and track creditor correspondence you receive at home; and (f) case management tools to track the progress of your enrolled accounts.

Felix uses technology, including artificial intelligence, to assist with negotiation processes as described in Section 12, but all final settlement decisions require your explicit approval. Felix never accepts, rejects, or commits you to any settlement, payment plan, or other arrangement without your affirmative consent.

3. Important Disclosures — What Felix Is Not

Felix is not a law firm and does not provide legal advice, tax advice, accounting advice, or financial advisory services. No attorney-client relationship is created by your use of the Services. Felix is not a credit repair organization and does not provide credit repair services as defined under the Credit Repair Organizations Act (CROA), 15 U.S.C. §1679 et seq.; Felix does not promise to improve your credit record, credit history, or credit rating, and does not dispute information with consumer reporting agencies on your behalf. Felix is not a debt collector and does not collect debts on behalf of creditors. Felix is not a lender, bank, or credit counselor, and does not hold, transmit, or disburse your funds.

If you require legal, tax, or financial advice concerning your debts — including whether debt settlement, credit counseling, debt consolidation, or bankruptcy is appropriate for your circumstances — you should consult a qualified attorney, accountant, or licensed advisor of your choosing.

4. Eligibility

To use our Services, you must:

  • Be at least 18 years of age;
  • Be a legal resident of the United States;
  • Have the legal capacity to enter into binding contracts;
  • Use the Services only on your own behalf and with respect to your own debts;
  • Provide accurate, complete, and current information during enrollment;
  • Maintain only one account per individual;
  • Not be barred from using the Services under applicable law or a prior suspension or termination by Felix.

By using our Services, you represent and warrant that you meet all of the foregoing eligibility requirements and that all information you provide to us is truthful and accurate.

5. Account Registration and Security

You agree to provide truthful and accurate information when creating your account and to keep your account information current at all times. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account, whether or not authorized by you. You agree to notify us immediately through the support section of your account dashboard if you become aware of any unauthorized access to or use of your account or any other breach of security. Felix reserves the right to suspend or disable any account that we reasonably believe has been compromised, that is associated with fraudulent or unlawful activity, or that violates these Terms. Felix is not liable for any loss or damage arising from your failure to safeguard your credentials.

6. Consent to Electronic Communications and Records (E-SIGN/UETA)

By using the Services, you consent to receive all agreements, disclosures, notices, statements, records, and other communications relating to the Services (“Communications”) in electronic form, including by email, text message, and in-app or dashboard notification. You agree that all Communications we provide to you electronically satisfy any legal requirement that such Communications be in writing, and that your electronic signatures and electronic acceptance of agreements have the same force and effect as handwritten signatures, consistent with the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and applicable state enactments of the Uniform Electronic Transactions Act (UETA).

  • Hardware and software requirements: To receive and retain electronic Communications, you need a device with a current, supported web browser, an active email address, an Internet connection, and sufficient storage or a printer to retain copies.
  • Paper copies: You may request a paper copy of any Communication through the support section of your account dashboard.
  • Withdrawing consent: You may withdraw your consent to electronic Communications through the support section of your account dashboard. Because the Services are delivered electronically, withdrawing this consent may require us to close your account and will terminate your ability to use the Services.
  • Keeping your address current: You are responsible for keeping your email address, phone number, and mailing address current in your account settings.

7. Consents, Authorizations, and the Consent Ledger

To use our Services, you will be asked to provide certain consents, which are captured and recorded in our consent ledger with your IP address, timestamp, and the version of consent text presented. Consent records are immutable and are retained for compliance and audit purposes as described in our Privacy Policy. These consents include:

  • Credit Pull Consent: Authorization for Felix to obtain your consumer report through a soft credit inquiry. Soft inquiries do not affect your credit score. Felix performs soft inquiries only; no hard inquiry will be performed without separate, explicit authorization.
  • Letter Authorization & Electronic Signature: For each letter Felix prepares, your review and electronic signature authorizing that specific letter to be mailed to your creditor in your name. You authorize each letter individually; there is no standing power of attorney and no blanket authorization of any kind.
  • Communications Consent: Agreement to receive emails, text messages, and physical mail from Felix regarding your account, case updates, offers, and service-related notices. Message and data rates may apply. You may opt out of non-essential communications at any time through your account settings; certain transactional and legally required notices cannot be opted out of while your account remains open.
  • Terms and Policy Acceptance: Your acceptance of these Terms, the Privacy Policy, and any subsequent material updates to them.

8. Per-Letter Authorization and Electronic Signatures; No Power of Attorney

Felix does not act under a power of attorney, limited power of attorney, or any other standing grant of authority. Instead, Felix prepares each creditor letter on your behalf and presents it to you to read and review in full. You authorize a letter to be sent only by electronically signing it. Once you sign, the letter is mailed to your creditor in your own name, from your own return address, so any response comes back directly to you.

Your typed legal name, drawn signature, IP address, and timestamp together form a legally binding electronic signature under the federal E-SIGN Act and applicable state law (UETA). Each letter is authorized individually — there is no standing authorization for Felix to contact your creditors, and Felix cannot send any letter you have not signed. No letter is ever sent automatically. Felix cannot accept a settlement, access your bank accounts, hold or transmit your funds, make payments, negotiate orally with creditors on your behalf, or represent you in legal proceedings. You may stop signing letters at any time, or contact us through the support section of your account dashboard, to pause or close your case.

You are responsible for reading each letter before signing it. By signing a letter, you represent that its factual contents — including hardship statements and account details — are accurate to the best of your knowledge, and you adopt the letter as your own communication to your creditor.

9. Creditor Communications; Physical Mail

Physical mail is the sole channel through which correspondence prepared on the platform is sent to your creditors. Felix does not call, email, or otherwise contact your creditors on your behalf. Because letters are sent in your name from your own return address, creditors will respond directly to you at your home address. You are responsible for reviewing mail you receive from your creditors and may upload creditor correspondence through your dashboard so that it can be associated with your case. Felix is not responsible for mail delivery failures, postal delays, creditor mishandling of correspondence, or your failure to review or upload correspondence you receive.

10. Subscription Plans, Fees, and Payment

Felix offers monthly and annual subscription plans. The price, billing interval, renewal terms, and any applicable taxes shown to you at checkout apply to your subscription. Subscriptions automatically renew at the end of each billing period unless cancelled before the renewal date. Payments are processed by a third-party payment processor; we do not store your payment card information. You authorize Felix, the merchant of record identified at checkout (if different), and our payment processor to charge your selected payment method for the disclosed subscription fees and any applicable taxes.

When you subscribe through a partner co-branded portal, that partner may be identified at checkout as the merchant of record and may appear on your bank or card statement. This billing role does not change the product you purchase: your subscription and account are with Felix, and Felix provides the Services.

  • Price changes: We may change subscription pricing prospectively. Any price change will be communicated to you in advance and will take effect no earlier than your next renewal, giving you the opportunity to cancel before the new price applies.
  • Failed payments: If a payment fails, we may retry the charge and may suspend the Services until payment is successfully processed.
  • Taxes: Fees are exclusive of any applicable taxes, which you are responsible for where required by law.
  • Refunds: You may cancel your subscription at any time through your account settings. No refunds are issued for partial billing periods. Refund requests for other circumstances are evaluated on a case-by-case basis and may be submitted through the support section of your account dashboard.

11. Cancellation; Effect of Cancellation or Termination

If you cancel your subscription or your account is terminated, the following will apply:

  • Felix will complete any creditor communications that are already in progress at the time of cancellation (that is, letters you have already signed and that have entered the mailing process).
  • All further negotiation efforts on your enrolled accounts will be paused.
  • Your case data, documents, and offer history will remain accessible for 90 days following cancellation.
  • If you resubscribe within 90 days, Felix will resume negotiation efforts where they were paused.
  • Any monthly credit report refresh you opted into ends with your subscription, and the encrypted identity record (including your encrypted full Social Security Number) held by our credit-data service provider to support those refreshes is permanently deleted, as described in our Privacy Policy.
  • After 90 days, inactive case data may be archived in accordance with our data retention policies as described in our Privacy Policy.

Cancellation of your subscription does not by itself resolve your debts, stop creditor collection activity, or terminate any settlement arrangement you have separately agreed to with a creditor. You remain solely responsible for your debts and for any commitments you have made to your creditors.

12. Technology-Assisted Services; Artificial Intelligence

Felix uses automated tools, including artificial intelligence, to assist with certain aspects of the negotiation process. These tools may be used for negotiation strategy, creditor correspondence drafting, document summarization and classification, response classification, and settlement recommendations. You acknowledge and agree that:

  • Technology assists but does not replace human judgment for critical decisions;
  • All settlement offers require your explicit approval before acceptance, and no letter is sent without your individual electronic signature;
  • Automated outputs, including drafted letters and summaries, may contain errors or omissions; you are responsible for reviewing them before acting on them or signing them;
  • You may request human review of any action taken or proposed by automated systems;
  • You may opt out of automated processing at any time, in which case your cases will be handled through manual processes;
  • All actions taken by automated systems are logged and auditable.

13. No Guaranteed Outcomes; Individual Results Vary

Individual results vary and are not guaranteed. Felix does not guarantee any specific results, including but not limited to: the amount of debt reduction, specific settlement terms, timeframes for resolution, improvement to your credit score, or creditor cooperation or response. Results vary significantly based on individual circumstances, the nature and amount of the debt, creditor policies, and other factors outside of Felix’s control. Felix does not guarantee that any creditor will agree to negotiate, reduce a balance, or accept a settlement offer. Any examples, statistics, or testimonials presented in our marketing materials reflect individual experiences and are not a promise or prediction of your outcome.

14. Important Considerations Regarding Debt Negotiation

Before and while using the Services, you should understand the following general considerations, which apply to debt negotiation generally and are not legal or tax advice:

  • Credit impact: Negotiating or settling a debt, or reducing or ceasing payments on a debt, may adversely affect your creditworthiness and may result in negative information on your credit report.
  • Continued collection: Creditors and debt collectors may continue collection efforts while a debt is being negotiated, including calls, letters, late fees, interest accrual, and, in some cases, litigation.
  • Tax consequences: Forgiven or cancelled debt may be treated as taxable income under federal or state law. Consult a qualified tax professional regarding your circumstances.
  • Alternatives: Other options may be available to you, including nonprofit credit counseling, debt consolidation, hardship programs offered directly by your creditors, and bankruptcy. Felix does not advise you on which option is best for you.
  • Your obligations continue: Enrolling an account with Felix does not modify your contracts with your creditors, and you remain legally responsible for your debts unless and until a creditor agrees otherwise directly with you.

15. User Responsibilities; Acceptable Use

You agree to:

  • Provide accurate, complete, and current information at all times;
  • Respond promptly to communications, settlement offers, and requests for information;
  • Keep your contact information and account details current;
  • Review creditor mail you receive and upload relevant correspondence promptly;
  • Use the Services only for your own personal, non-commercial purposes.

You agree that you will not:

  • Use the Services for any unlawful, fraudulent, or deceptive purpose;
  • Misrepresent your identity, financial circumstances, or account information;
  • Submit information about debts that are not yours or sign letters on behalf of another person;
  • Attempt to gain unauthorized access to any portion of the Services or any systems or networks connected to the Services, or probe, scan, or test their vulnerability;
  • Use any robot, scraper, or other automated means to access the Services, or circumvent any access controls or rate limits;
  • Interfere with or disrupt the Services or servers or networks connected to the Services, or introduce viruses or other harmful code;
  • Copy, frame, mirror, resell, sublicense, or commercially exploit the Services or any portion thereof;
  • Reverse-engineer, decompile, or disassemble any software comprising the Services, except to the extent such restriction is prohibited by law.

16. User Content and Feedback

User Content.You retain ownership of the documents, images, and other materials you upload or submit to the Services (“User Content”). You grant Felix a limited, non-exclusive, royalty-free, worldwide license to host, store, reproduce, process, analyze, and display your User Content solely as necessary to provide the Services to you, to comply with law, and to maintain records as described in our Privacy Policy. You represent and warrant that you have all rights necessary to submit your User Content and that it does not violate any law or third-party right.

Feedback. If you provide suggestions, ideas, or other feedback about the Services, you grant Felix a perpetual, irrevocable, royalty-free license to use that feedback for any purpose without compensation or attribution, and you agree that feedback is non-confidential.

17. Intellectual Property; License Grant and Restrictions

All content, features, functionality, software, text, displays, images, trademarks, logos, and other materials available through the Services (excluding your User Content) are owned by Felix or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

Subject to your compliance with these Terms and during your active subscription, Felix grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for your personal, non-commercial purposes. This license does not include any right to: (a) copy, modify, distribute, sell, lease, or create derivative works based upon the Services or any content therein; (b) use any Felix trademark, logo, or branding without our prior written consent; or (c) access the Services to build a competing product or service. All rights not expressly granted to you are reserved by Felix and its licensors. This license terminates automatically upon termination of your account or these Terms.

18. Third-Party Services and Links

Felix uses third-party service providers for certain functions, including payment processing, communication delivery (email, SMS, and physical mail), credit data retrieval, electronic document execution, artificial intelligence processing, hosting, and analytics. Your use of the Services may be subject to the terms and policies of these third-party providers. Felix is not responsible for the acts or omissions of third-party service providers, including service interruptions, failures, or data breaches attributable to such providers, except as required by applicable law.

The Services may contain links to third-party websites or resources, and you may access the Services through a partner organization’s co-branded portal. Felix does not control and is not responsible for the content, products, services, or privacy practices of third parties, including partner organizations. Your dealings with any third party, including your creditors and any partner organization, are solely between you and that third party.

19. Disclaimer of Warranties

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. FELIX DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY DEFECTS WILL BE CORRECTED. FELIX DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF ANY CREDIT DATA, ANALYSIS, DRAFT CORRESPONDENCE, OR RECOMMENDATION PROVIDED THROUGH THE SERVICES. FELIX IS NOT RESPONSIBLE FOR ACTIONS OR INACTIONS OF YOUR CREDITORS, INCLUDING THEIR REFUSAL TO NEGOTIATE, COMMUNICATE, OR ACCEPT SETTLEMENT OFFERS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM FELIX OR THROUGH THE SERVICES CREATES ANY WARRANTY NOT EXPRESSLY MADE IN THESE TERMS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

20. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FELIX, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM: (A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES; (B) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY, INCLUDING CREDITORS, DEBT COLLECTORS, AND PARTNER ORGANIZATIONS; (C) ANY CONTENT OBTAINED FROM THE SERVICES, INCLUDING ANY ERRORS OR OMISSIONS IN CREDIT DATA, ANALYSES, OR DRAFT CORRESPONDENCE; (D) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT; OR (E) ANY OUTCOME, OR FAILURE TO ACHIEVE AN OUTCOME, IN YOUR DEALINGS WITH YOUR CREDITORS — IN EACH CASE WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT FELIX HAS BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE.

FELIX’S AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE TOTAL AMOUNT OF FEES PAID BY YOU TO FELIX IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IN SUCH JURISDICTIONS, THE LIMITATIONS SET FORTH ABOVE SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW. THE LIMITATIONS IN THIS SECTION ARE FUNDAMENTAL ELEMENTS OF THE BARGAIN BETWEEN YOU AND FELIX AND SHALL APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. NOTHING IN THESE TERMS LIMITS ANY LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW.

21. Indemnification

You agree to indemnify, defend, and hold harmless Felix and its officers, directors, employees, agents, licensors, and affiliates from and against any and all claims, demands, actions, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your breach of these Terms; (b) your use or misuse of the Services; (c) your violation of any applicable law, regulation, or third-party right; (d) any information you provide to Felix that is inaccurate, incomplete, or misleading, including statements contained in letters you sign; (e) your User Content; or (f) your dealings with your creditors, debt collectors, or any partner organization. Felix reserves the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you agree to cooperate with our defense.

22. Dispute Resolution; Binding Arbitration; Class Action Waiver

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and to have a jury trial.

Informal Resolution: Before initiating any formal dispute resolution, you agree to first contact Felix through the support section of your account dashboard, describe the dispute and the relief you seek, and attempt in good faith to resolve the dispute informally for at least 30 days. Most concerns can be resolved this way.

Binding Arbitration:If the dispute is not resolved informally, you and Felix agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved through final and binding individual arbitration administered by a neutral arbitration provider under consumer arbitration rules then in effect, rather than in court. The arbitration shall be conducted in the English language before a single neutral arbitrator, and may be conducted remotely (by telephone, videoconference, or written submissions) or at a location reasonably convenient to you. The arbitrator shall have the authority to award the same remedies on an individual basis that a court could award, and the arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement. Arbitration fees and cost allocation shall be governed by the applicable consumer arbitration rules and applicable law.

Class Action Waiver:YOU AND FELIX AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of representative or class proceeding. If this class action waiver is found unenforceable as to a particular claim, then that claim (and only that claim) shall proceed in court rather than in arbitration.

Exceptions:Notwithstanding the foregoing, either party may (a) bring an individual action in small claims court for claims within that court’s jurisdictional limits, and (b) seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property rights. Nothing in this section prevents you from reporting concerns to, or seeking relief from, federal, state, or local government agencies.

30-Day Opt-Out Right: You may opt out of this arbitration agreement and class action waiver by sending written notice to Felix through the support section of your account dashboard within 30 days of first accepting these Terms. Your opt-out notice must include your name, address, email address, and a clear statement that you wish to opt out of binding arbitration. Opting out of arbitration will not affect any other provision of these Terms.

Severability of Arbitration Terms: Except as provided in the class action waiver above, if any portion of this Section 22 is found to be unenforceable, the remaining portions shall remain in full force and effect.

23. Governing Law

These Terms and any dispute arising out of or relating to them or the Services shall be governed by the Federal Arbitration Act, applicable federal laws of the United States, and, to the extent state law applies, the laws of the state in which you reside, in each case without regard to conflict of laws principles. For any claims not subject to arbitration, the parties consent to the jurisdiction of a court of competent jurisdiction in the United States.

24. Termination

Either party may terminate this agreement at any time. You may close your account at any time from Settings → Account → Account closure (“Close account”) or by contacting us through the support section of your account dashboard. Closing your account cancels any active subscription immediately (no refunds are issued for partial billing periods, per Section 10), permanently deletes your cases, documents, and credit information, and instructs our credit-data service provider to delete the identity records it holds for you, as described in our Privacy Policy; records we are legally required to retain (such as consent and audit records) are preserved. Felix may suspend or terminate your access to the Services immediately, without prior notice, if Felix reasonably believes that you have violated these Terms, engaged in fraudulent or illegal activity, created a risk or possible legal exposure for Felix, or if required by law or a governmental authority. Felix may also discontinue the Services, in whole or in part, upon reasonable notice. Upon any termination, the provisions regarding cancellation in Section 11 shall apply, and the license granted to you in Section 17 shall immediately terminate.

25. Survival

Any provision of these Terms that by its nature should survive termination shall survive, including without limitation: accrued payment obligations; Section 7 (Consents, Authorizations, and the Consent Ledger) as to records already created; Section 16 (User Content and Feedback); Section 17 (Intellectual Property) as to Felix’s ownership; Section 19 (Disclaimer of Warranties); Section 20 (Limitation of Liability); Section 21 (Indemnification); Section 22 (Dispute Resolution); Section 23 (Governing Law); and this Section 25.

26. Changes to These Terms

We may revise these Terms from time to time. If we make material changes, we will provide notice through the Services, by email, or by other reasonable means, and the updated Terms will indicate a new “Last updated” date. Material changes will not apply retroactively and will become effective no sooner than a reasonable period after notice is given. Your continued use of the Services after the effective date of revised Terms constitutes your acceptance of the changes; if you do not agree, you must stop using the Services and may cancel your subscription. Changes to the arbitration provisions in Section 22 will not apply to disputes that arose before the change took effect.

27. General Provisions

  • Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permissible and the remaining provisions shall continue in full force and effect.
  • Entire Agreement: These Terms, together with the Privacy Policy, the Cookie Policy, and any consents you provide through the Services, constitute the entire agreement between you and Felix regarding the Services and supersede all prior or contemporaneous agreements, communications, and understandings, whether written or oral.
  • No Waiver: The failure of Felix to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision, and no waiver shall be effective unless in writing.
  • Assignment:Felix may assign or transfer these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, reorganization, or sale of assets. You may not assign or transfer your rights or obligations under these Terms without Felix’s prior written consent, and any attempted assignment in violation of this provision is void.
  • Force Majeure: Felix shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, pandemics, epidemics, government actions, power or telecommunications failures, postal service disruptions, or failures of third-party services.
  • No Third-Party Beneficiaries: These Terms do not confer any rights or remedies on any person other than you and Felix.
  • Relationship of the Parties: Nothing in these Terms creates any agency, partnership, joint venture, fiduciary, or employment relationship between you and Felix.
  • Headings and Interpretation:Section headings are for convenience only and do not affect interpretation. “Including” means “including without limitation.”
  • Notices: Felix may provide notices to you electronically as described in Section 6. You may provide notices to Felix through the support section of your account dashboard.

28. Contact Information

If you have questions or concerns about these Terms, or wish to send any notice permitted or required under these Terms, please contact us through the support section of your account dashboard. Support requests are routed to our team and tracked with your account so that we can verify your identity and respond securely.