Terms of Service

1. Acceptance of Terms

1.1. These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and NEXUS Systems LLC (“NEXUS,” “Company,” “we,” “us,” or “our”), a Michigan limited liability company, governing your access to and use of the NEXUS Platform located at platform.nexus and all associated services, applications, and APIs (collectively, the “Service” or “Platform”).

1.2. By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are entering into these Terms on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

1.3. If you do not agree to these Terms, you must not access or use the Service.

1.4. These Terms apply to all users of the Service, including without limitation users who are loan officers, administrators, managers, and any other persons who access the Platform.

2. Definitions

2.1. “Consumer Data” means any Personally Identifiable Information (PII) or nonpublic personal information (NPI) of mortgage loan applicants, borrowers, or prospective borrowers that is entered into, processed by, or stored within the Platform, including but not limited to Social Security Numbers, dates of birth, financial information, credit data, and employment information.

2.2. “Content” means any data, text, files, documents, templates, configurations, or other materials uploaded to, created within, or transmitted through the Platform by a User.

2.3. “Licensed Loan Officer” or “LO” means an individual who holds a valid mortgage loan originator license issued by the Nationwide Multistate Licensing System & Registry (NMLS) or an equivalent state regulatory authority.

2.4. “Node” means a discrete functional module within the NEXUS Platform that provides specific capabilities as described in Section 3.

2.5. “Organization” means the business entity, brokerage, or lending institution under which one or more Users operate on the Platform.

2.6. “Subscription Tier” means the level of service and features available to a User or Organization based on their selected plan, as described in Section 5.

2.7. “MISMO” means the Mortgage Industry Standards Maintenance Organization, and “MISMO 3.4” refers to version 3.4 of the MISMO data standard for mortgage industry data exchange.

3. Description of Services

3.1. The NEXUS Platform is a Software-as-a-Service (“SaaS”) mortgage loan origination management system designed for Licensed Loan Officers and their supporting organizations. The Platform provides an integrated suite of tools (“Nodes”) for managing the mortgage origination pipeline, client relationships, marketing campaigns, analytics, and compliance documentation.

3.2. Platform Nodes

The Service currently includes the following functional modules, which may be updated, expanded, or modified at NEXUS’s discretion:

1. Home Base — Pipeline management dashboard for tracking loan origination status, scheduling, projected closings, and commission calculations.
2. Launchpad — Campaign management system for creating, scheduling, and executing email marketing campaigns to borrowers and referral partners.
3. Backseat — Client follow-up tracking with configurable timeframes (up to 24 months), recurring email reminders, credit improvement monitoring, rate watch alerts, and automated engagement workflows for long-term borrower retention.
4. DeepDive — Analytics engine providing production reports, trend analysis, projections, IRRRL tracking, cross-node intelligence, and performance metrics.
5. Workbench — Suite of mortgage calculators and real-time market data feeds, including Federal Reserve Economic Data (FRED API) integration for Treasury yields, mortgage rates, housing statistics, and economic indicators.
6. Handshake — Loan application intake and processing module supporting MISMO 3.4 XML data export, with encrypted storage of sensitive borrower information including Social Security Numbers and dates of birth.
7. Wingman — AI-powered client targeting and engagement recommendations to optimize outreach strategies and identify high-value opportunities.
8. Watchdog — Automated platform health monitoring, service status tracking, data backup management, and system notification aggregation.
9. Blueprint — Proposal generation and document preparation tools for creating professional loan proposals and borrower-facing materials.
10. Autopilot — Automated messaging system for scheduled and event-triggered communications to borrowers and referral partners.

3.3. Service Availability. Not all Nodes may be available on all Subscription Tiers. NEXUS reserves the right to add, modify, deprecate, or remove Nodes at any time, with reasonable notice to affected Users as described in Section 21.

4. Account Registration and Eligibility

4.1. Eligibility. The Service is intended for use by Licensed Loan Officers, mortgage brokerages, lending institutions, and their authorized personnel. By registering for an account, you represent and warrant that:

1. You are at least 18 years of age;
2. You have the legal authority to enter into these Terms;
3. If you are a Licensed Loan Officer, you hold a valid and active NMLS license or equivalent state license;
4. You will use the Service only in connection with lawful mortgage lending activities; and
5. All information you provide during registration is accurate, current, and complete.

4.2. Account Security. You are responsible for maintaining the confidentiality of your account credentials. You must:

1. Create a strong, unique password for your NEXUS account;
2. Enable two-factor authentication (TOTP 2FA) when available;
3. Not share your login credentials with any unauthorized person;
4. Immediately notify NEXUS at admin@platform.nexus if you suspect unauthorized access to your account; and
5. Accept responsibility for all activities that occur under your account.

4.3. Organization Accounts. If you create or administer an Organization account, you are responsible for all Users within your Organization, including ensuring that each User complies with these Terms.

5. Subscription Tiers and Billing

5.1. Subscription Plans. NEXUS offers the following Subscription Tiers, each providing access to different features and service levels:

1. Free — Limited access to core Platform features for evaluation purposes;
2. Alpha — Early-access tier for initial testers, subject to additional terms in Section 15;
3. Beta — Pre-release tier with expanded features, subject to additional terms in Section 15;
4. Founding — Special tier for early adopters who commit during the Platform’s initial launch period, with lifetime pricing guarantees as specified at the time of enrollment; and
5. Pro — Full-feature production tier with premium support and advanced capabilities.

5.2. Pricing. Current pricing for each Subscription Tier is published on the Platform at platform.nexus and may be updated from time to time. Unless otherwise specified in a separate written agreement or as part of a Founding tier commitment, NEXUS reserves the right to modify pricing with thirty (30) days’ advance notice to affected Users.

5.3. Billing. Paid Subscription Tiers are billed on a recurring basis (monthly or annually, as selected by the User). Payment processing is handled exclusively through Stripe, Inc., a PCI DSS Level 1 certified payment processor. NEXUS does not collect, store, or process credit card numbers, bank account numbers, or other payment instrument data on its own servers.

5.4. Taxes. All fees are exclusive of applicable taxes. You are responsible for paying all taxes associated with your use of the Service, excluding taxes based on NEXUS’s net income.

5.5. Refunds. Unless required by applicable law or stated in a separate written agreement, all fees are non-refundable.

5.6. Downgrades. If you downgrade your Subscription Tier, access to features exclusive to your prior tier will be restricted at the end of your current billing period. Your data will be retained in accordance with Section 17.

6. User Responsibilities

6.1. Regulatory Compliance. As a Licensed Loan Officer or mortgage industry professional, you acknowledge and agree that:

1. You are solely responsible for complying with all applicable federal, state, and local laws, regulations, and industry standards governing your mortgage lending activities, including but not limited to the Truth in Lending Act (TILA), Real Estate Settlement Procedures Act (RESPA), Equal Credit Opportunity Act (ECOA), Fair Housing Act, and all applicable state licensing requirements;
2. The Platform is a technology tool and does not provide legal, financial, or regulatory compliance advice;
3. You are responsible for the accuracy, legality, and appropriateness of all Consumer Data you enter into the Platform;
4. You must obtain all necessary consents from borrowers and applicants before entering their personal information into the Platform; and
5. You must maintain your NMLS license and all applicable state licenses in good standing throughout your use of the Service.

6.2. Consumer Data Stewardship. You acknowledge that Consumer Data entered into the Platform may include nonpublic personal information (“NPI”) as defined under the Gramm-Leach-Bliley Act (“GLBA”). You are responsible for:

1. Ensuring that you have a lawful basis for collecting and processing such data;
2. Providing required privacy notices to consumers as mandated by GLBA and applicable state laws;
3. Limiting access to Consumer Data within your Organization to authorized personnel only; and
4. Promptly notifying NEXUS if you become aware of any unauthorized access to or disclosure of Consumer Data.

6.3. Accurate Information. You agree to provide accurate, current, and complete information during registration and throughout your use of the Service, and to update such information promptly when it changes.

7. Acceptable Use Policy

7.1. Permitted Uses. The Service may be used only for lawful mortgage origination management, client relationship management, marketing, analytics, and related business activities by authorized mortgage industry professionals.

7.2. Prohibited Conduct. You agree not to:

1. Use the Service for any purpose that is unlawful, fraudulent, or prohibited by these Terms;
2. Upload, transmit, or store any content that infringes on any third party’s intellectual property rights;
3. Attempt to gain unauthorized access to any portion of the Service, other accounts, computer systems, or networks connected to the Service;
4. Interfere with or disrupt the integrity or performance of the Service or the data contained therein;
5. Use the Service to transmit unsolicited commercial communications (“spam”) in violation of the CAN-SPAM Act or any applicable anti-spam legislation;
6. Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Platform;
7. Use the Service to discriminate against borrowers on any basis prohibited by the Fair Housing Act, ECOA, or any other applicable anti-discrimination law;
8. Share, sell, sublicense, or distribute access to the Service to any unauthorized third party;
9. Use automated scripts, bots, or crawlers to access the Service in a manner that exceeds reasonable use or circumvents rate limits;
10. Introduce malicious code, viruses, or any other harmful technology into the Service;
11. Use the Service to store or process data unrelated to mortgage origination activities; or
12. Circumvent or disable any security features of the Platform, including encryption, access controls, or audit logging.

7.3. Enforcement. NEXUS reserves the right to investigate and take appropriate action against any User who violates this Acceptable Use Policy, including without limitation suspending or terminating the User’s account, removing offending content, and reporting the violation to appropriate authorities.

8. Data Ownership and Licensing

8.1. Your Data. You retain all right, title, and interest in and to your Content and Consumer Data (“User Data”). NEXUS does not claim ownership of any User Data.

8.2. License to NEXUS. By using the Service, you grant NEXUS a limited, non-exclusive, worldwide license to host, store, process, encrypt, back up, transmit, and display your User Data solely for the purposes of:

1. Providing, maintaining, and improving the Service;
2. Generating anonymized, aggregated analytics that do not identify any individual User, Organization, or consumer (only with your consent where required by law);
3. Complying with applicable legal obligations; and
4. Enforcing these Terms.

8.4. Data Portability. You may export your data at any time through the Platform’s export features, including MISMO 3.4 XML format for loan application data. Upon termination of your account, you may request a complete export of your User Data as described in Section 16.

8.5. De-Identified Data. NEXUS may create and use de-identified, aggregated statistical data derived from your use of the Service, provided that such data cannot reasonably be used to identify you, your Organization, or any consumer. Such de-identified data is not considered User Data for purposes of these Terms.

9. Intellectual Property

9.1. NEXUS Property. The Service, including all software, code, algorithms, user interfaces, designs, graphics, logos, trademarks, service marks, documentation, APIs, and all other components of the Platform (collectively, “NEXUS IP”), are and shall remain the exclusive property of NEXUS Systems LLC or its licensors. These Terms do not grant you any right, title, or interest in the NEXUS IP except for the limited right to use the Service in accordance with these Terms.

9.2. Restrictions. You shall not:

1. Copy, modify, or create derivative works based on the NEXUS IP;
2. License, sublicense, sell, lease, or distribute the NEXUS IP;
3. Remove or alter any proprietary notices, labels, or marks on the NEXUS IP; or
4. Use the NEXUS name, logo, or trademarks without prior written consent from NEXUS Systems LLC.

9.3. Feedback. If you provide NEXUS with any suggestions, ideas, enhancement requests, feedback, or recommendations regarding the Service (“Feedback”), you hereby assign to NEXUS all right, title, and interest in such Feedback. NEXUS shall be free to use, disclose, reproduce, and commercialize Feedback without restriction or compensation to you.

9.4. Open Source. Certain components of the Platform may utilize open-source software libraries. Such open-source components are subject to their respective licenses, which are made available upon request.

10. AI-Powered Features Disclaimer

10.1. Nature of AI Features. Certain features of the Platform, including but not limited to Wingman (AI targeting), Autopilot (automated messaging suggestions), and any AI-assisted analytics or recommendations, utilize artificial intelligence and machine learning technologies (“AI Features”).

10.2. Not Financial Advice. AI Features provide automated suggestions, data analysis, and pattern recognition to assist your mortgage origination activities. AI Features do not constitute financial advice, legal advice, lending recommendations, or regulatory guidance. You are solely responsible for evaluating and acting upon any information or suggestions provided by AI Features.

10.3. No Guarantees of Accuracy. While NEXUS strives to provide accurate and useful AI-generated outputs, AI Features may produce results that are incomplete, inaccurate, or inappropriate. NEXUS makes no warranties regarding the accuracy, reliability, or fitness for any particular purpose of any AI-generated content or recommendations.

10.4. Human Oversight Required. All AI-generated communications, targeting recommendations, and analytical outputs must be reviewed by a qualified human professional before being acted upon or sent to consumers. Automated messages must comply with all applicable regulations, including the CAN-SPAM Act, TCPA, and any applicable state consumer protection laws.

10.5. Compliance Responsibility. You are solely responsible for ensuring that your use of AI Features complies with all applicable fair lending laws, anti-discrimination statutes, and regulatory requirements. AI-generated targeting criteria must not result in discriminatory lending practices.

11. Third-Party Services

11.1. Service Providers. The Platform relies on third-party service providers to deliver certain functionality. By using the Service, you acknowledge that your data may be processed by the following providers in accordance with our Privacy Policy:

1. Railway — Cloud hosting infrastructure (US-based, SOC 2 compliant);
2. Cloudflare — DNS management, CDN, SSL/TLS certificates, and DDoS protection;
3. Sentry — Error monitoring and application stability tracking (no PII transmitted);
4. Stripe, Inc. — Payment processing for subscription billing (PCI DSS Level 1 certified);
5. FRED API — Public economic data for market data features (no user data transmitted);
6. Google Workspace — Company email and internal communications;
7. Anthropic (Claude API) — AI-powered email drafting, campaign content generation, pipeline analysis, and automated workflow features. Processes non-sensitive borrower data only (names, loan types, pipeline status). SSNs, DOBs, and financial account numbers are never transmitted to this provider; and
8. Microsoft 365 (planned) — Email send and read integration via OAuth2 with delegated permissions (Mail.Send, Mail.ReadWrite, offline_access). Scoped to individual user mailbox only. No access to calendar, files, contacts, or other users’ mailboxes.

11.2. Third-Party Terms. Your use of third-party services integrated with or accessed through the Platform may be subject to additional terms and conditions imposed by those third parties. NEXUS is not responsible for the practices, policies, or availability of any third-party services.

11.3. No Endorsement. The inclusion of third-party services does not constitute an endorsement by NEXUS. NEXUS makes no warranties regarding the performance, availability, or security of third-party services beyond the contractual obligations those providers owe to NEXUS.

11.4. Interruptions. NEXUS shall not be liable for any interruption, degradation, or failure of the Service caused by the unavailability or malfunction of third-party services, provided that NEXUS exercises commercially reasonable efforts to maintain service continuity.

12. API Usage

12.1. API Access. NEXUS may provide Application Programming Interface (“API”) access to certain Platform features. API access is subject to these Terms and any additional API-specific documentation or usage policies published by NEXUS.

12.2. Rate Limits. API usage is subject to rate limits as follows, which NEXUS may adjust at any time:

1. General API: 100 requests per minute per authenticated user;
2. Login Endpoint: 5 attempts per 15 minutes per IP address;
3. SSN Reveal Endpoint: 10 requests per hour per authenticated user; and
4. Bulk Export Endpoints: Subject to fair-use limits based on Subscription Tier.

12.3. Authentication. All API requests must be authenticated using valid credentials (JWT bearer token or authorized service token). Unauthenticated requests will be rejected.

12.4. Restrictions. You shall not use the API to:

1. Circumvent rate limits or security controls;
2. Exfiltrate data in bulk for purposes unrelated to your legitimate business use;
3. Build a competing product or service using NEXUS data or functionality;
4. Share API credentials with unauthorized third parties; or
5. Exceed the usage limits associated with your Subscription Tier.

13. Service Level Agreement

13.1. Uptime Target. NEXUS targets 99.5% monthly uptime for the production Platform, measured as the percentage of minutes in a calendar month during which the Platform’s core services are available and responsive (“Uptime Target”). This equates to a maximum of approximately 3.65 hours of downtime per month.

13.2. Exclusions. The Uptime Target excludes downtime resulting from:

1. Scheduled maintenance, provided that NEXUS gives at least 24 hours’ advance notice when reasonably possible;
2. Force majeure events;
3. Failures or interruptions of third-party services;
4. User-caused issues, including excessive API usage, misconfiguration, or violations of these Terms;
5. Internet connectivity issues beyond NEXUS’s network perimeter; and
6. Alpha and Beta features, which are provided “as-is” without uptime guarantees.

13.3. Service Credits. For Pro tier subscribers, if NEXUS fails to meet the Uptime Target in any calendar month (excluding the exclusions listed above), affected Users may request a service credit equal to:

1. 5% credit for uptime between 99.0% and 99.5%;
2. 10% credit for uptime between 95.0% and 99.0%; and
3. 25% credit for uptime below 95.0%.

Service credits are applied to future billing periods and do not exceed 25% of the applicable monthly subscription fee. Service credits are the sole and exclusive remedy for failure to meet the Uptime Target.

13.4. Monitoring. Platform health is monitored by the Watchdog system, which checks service availability every 30 seconds and initiates automated recovery procedures.

14. GLBA Compliance Acknowledgment

14.1. Service Provider Status. NEXUS operates as a service provider to Licensed Loan Officers and mortgage industry professionals who are themselves “financial institutions” under the Gramm-Leach-Bliley Act (GLBA). NEXUS processes Consumer Data on behalf of and at the direction of its Users.

14.2. Safeguards. NEXUS implements administrative, technical, and physical safeguards consistent with the requirements of the GLBA Safeguards Rule (16 CFR Part 314) and the FTC’s Revised Safeguards Rule, including:

1. AES-256-GCM encryption of high-sensitivity PII at rest;
2. TLS/HTTPS encryption for all data in transit;
3. Role-based access controls and organization-level data isolation;
4. Comprehensive audit logging of sensitive data access;
5. Multi-factor authentication support;
6. Automated health monitoring and incident response procedures; and
7. Documented key management and rotation procedures.

14.3. Shared Responsibility. GLBA compliance is a shared responsibility between NEXUS (as a service provider) and you (as the financial institution or its agent). NEXUS provides the technical infrastructure and safeguards; you are responsible for:

1. Your own information security program;
2. Providing required privacy notices to consumers;
3. Managing access controls within your Organization;
4. Ensuring that your use of the Platform complies with your own regulatory obligations; and
5. Conducting your own risk assessments as required by the Safeguards Rule.

14.4. Security Documentation. NEXUS maintains detailed security and compliance documentation, which is available to Users upon request for regulatory examination or audit purposes.

15. Alpha and Beta Program Terms

15.1. Users on Alpha or Beta Subscription Tiers, or Users who opt into testing pre-release features (“Pre-Release Features”), acknowledge and agree to the following additional terms:

15.2. “As-Is” Basis. Pre-Release Features are provided on an “AS-IS” and “AS-AVAILABLE” basis without any warranty of any kind. Pre-Release Features may contain bugs, errors, defects, or inaccuracies that could result in data loss, service interruptions, or degraded functionality.

15.3. No SLA. The Service Level Agreement described in Section 13 does not apply to Pre-Release Features.

15.4. Feedback Obligation. Alpha and Beta Users are encouraged (but not required) to provide feedback regarding bugs, usability issues, and feature requests. Such feedback is subject to Section 9.3.

15.5. Data Risk. While NEXUS takes reasonable measures to protect data during pre-release testing, Alpha and Beta Users acknowledge an elevated risk of data loss or corruption associated with Pre-Release Features. NEXUS strongly recommends that Alpha and Beta Users maintain independent backups of critical data.

15.6. Feature Changes. Pre-Release Features may be modified, suspended, or discontinued at any time without prior notice.

15.7. Confidentiality. Alpha and Beta Users may freely discuss the existence and general functionality of the Platform. However, the following are considered confidential: (a) specific pricing, discount percentages, or promotional terms; (b) the existence of free trial periods or special pricing arrangements; and (c) any technical vulnerabilities, security issues, or bugs discovered during testing. This confidentiality obligation survives termination for twelve (12) months.

15.8. Transition to Production. When Pre-Release Features transition to general availability, Alpha and Beta Users will be migrated to the applicable production Subscription Tier with reasonable notice.

16. Account Termination, Suspension, and Data Export

16.1. Termination by User. You may terminate your account at any time by contacting NEXUS at admin@platform.nexus. Upon termination:

1. Your access to the Service will be revoked;
2. Any outstanding fees will become immediately due and payable; and
3. You will have thirty (30) days to request an export of your User Data before it is scheduled for deletion.

16.2. Termination by NEXUS. NEXUS may suspend or terminate your account at any time for any reason, including but not limited to:

1. Violation of these Terms or the Acceptable Use Policy;
2. Non-payment of fees after reasonable notice and an opportunity to cure;
3. Fraudulent, illegal, or abusive activity;
4. Request by law enforcement or government agency;
5. Discontinuation of the Service (with at least 90 days’ notice); or
6. Extended periods of inactivity exceeding twelve (12) months on free-tier accounts.

16.3. Effect of Termination. Upon termination, all rights and licenses granted under these Terms immediately cease. Sections 8, 9, 18, 19, 20, 22, and 23 shall survive termination.

16.4. Data Export. Upon request within thirty (30) days of termination, NEXUS will provide your User Data in MISMO 3.4 XML, CSV, or JSON format within fourteen (14) business days.

17. Data Retention and Deletion

17.1. User Data is retained for the duration of your active account and in accordance with our Privacy Policy.

17.2. Following account termination, NEXUS retains User Data for thirty (30) days to facilitate data export. After this period, User Data will be permanently deleted from production systems within sixty (60) days, subject to legal retention requirements, anonymized data, and backup rotation schedules (no later than 90 days).

17.3. Audit logs recording access to sensitive Consumer Data are retained for seven (7) years.

17.4. You may request deletion of specific Consumer Data at any time by contacting admin@platform.nexus.

18. Limitation of Liability

18.2. NEXUS does not warrant that the Service will be uninterrupted, error-free, secure, or free from viruses or other harmful components.

18.3. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL NEXUS SYSTEMS LLC BE LIABLE FOR (a) ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES; OR (b) ANY AMOUNT EXCEEDING THE GREATER OF THE TOTAL FEES PAID BY YOU DURING THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100.00).

18.4. THE LIMITATIONS IN THIS SECTION SHALL APPLY EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

18.5. Nothing in this Section shall limit liability for fraud, intentional misconduct, gross negligence, death or personal injury, or any liability that cannot be excluded under applicable law.

19. Indemnification

19.1. You agree to indemnify, defend, and hold harmless NEXUS Systems LLC and its officers, directors, members, employees, agents, and licensors from any claims, damages, losses, costs, and expenses arising from:

1. Your use of the Service or any activity conducted through your account;
2. Your violation of these Terms or any applicable law;
3. Your violation of any third party’s rights;
4. Any Consumer Data you enter into the Platform;
5. Your failure to comply with GLBA, state privacy laws, fair lending laws, or other applicable regulations; and
6. Any dispute between you and a consumer, borrower, referral partner, or other third party.

19.2. NEXUS will provide you with prompt written notice of any claim subject to indemnification and will reasonably cooperate in the defense at your expense.

20. Dispute Resolution

20.1. Informal Resolution. Before initiating any formal dispute resolution proceeding, you agree to first contact NEXUS at admin@platform.nexus and attempt to resolve the dispute informally for at least thirty (30) days.

20.2. Binding Arbitration. If the dispute is not resolved informally, either party may elect binding arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules, conducted by a single arbitrator in Michigan or via videoconference.

20.4. Either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property rights or confidential information.

20.5. Each party shall bear its own costs and attorneys’ fees, except as otherwise awarded by the arbitrator.

21. Modification of Terms

21.1. NEXUS reserves the right to modify these Terms at any time. Material changes will be communicated via email, Platform notice, or in-app notification.

21.2. At least thirty (30) days’ advance notice will be provided before material changes take effect, unless required by law or necessary to address security vulnerabilities.

21.3. Your continued use of the Service after the effective date of modified Terms constitutes acceptance. If you do not agree, you must discontinue use and may terminate your account per Section 16.

21.4. A dated version of these Terms will be maintained at platform.nexus/terms with a version history of material changes.

22. Governing Law

22.1. These Terms shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law principles.

22.2. Subject to Section 20, any legal action shall be brought exclusively in the state or federal courts located in Macomb County, Michigan.

23. General Provisions

23.1. Entire Agreement. These Terms, together with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and NEXUS regarding your use of the Service.

23.2. Severability. If any provision is held invalid or unenforceable, the remaining provisions continue in full force and effect.

23.3. Waiver. Failure to enforce any right shall not constitute a waiver of such right.

23.4. Assignment. You may not assign these Terms without NEXUS’s prior written consent. NEXUS may assign without restriction.

23.5. Force Majeure. NEXUS shall not be liable for delays or failures beyond its reasonable control.

23.6. Notices. Notices to NEXUS shall be sent to admin@platform.nexus. Notices to you shall be sent to your account email.

23.7. Nothing in these Terms creates a joint venture, partnership, employment, or agency relationship.

23.8. Section headings are for convenience only.

23.9. Your electronic acceptance of these Terms has the same legal effect as a physical signature.

24. Contact Information

For questions, concerns, or requests regarding these Terms of Service:

NEXUS Systems LLC
Email: admin@platform.nexus
Website: https://platform.nexus

For security concerns or to report a vulnerability:
Email: admin@platform.nexus
Subject Line: [SECURITY]