TERMS OF USE
Last Updated: October 1, 2026
IMPORTANT: THESE TERMS CONTAIN A BINDING INDIVIDUAL ARBITRATION AGREEMENT, CLASS ACTION WAIVER, AND JURY TRIAL WAIVER. PLEASE REVIEW SECTION 26 CAREFULLY.
These Terms of Use ("Terms") govern your access to and use of websites, online properties, applications, pages, content, forms, calculators, tools, directories, communications, and other digital services that are owned or operated by QR Signature Services, LLC and that link to or expressly incorporate these Terms (collectively, the "Services").
QR Signature Services, LLC is a Michigan limited liability company ("QR Signature Services," "Company," "we," "us," or "our").
By accessing or using a Service, you agree to these Terms. If you do not agree, do not use the Service.
1. SCOPE OF THESE TERMS
These Terms apply to:
1. the website or digital property on which these Terms are linked or incorporated;
2. other websites and digital properties owned or operated by QR Signature Services that expressly link to or incorporate these Terms; and
3. pages, forms, tools, calculators, content, communications, and functionality provided through those properties.
A website or property is not necessarily governed by these Terms merely because QR Signature Services owns or operates it. Separate or supplemental terms may apply to particular Services.
If supplemental or transaction-specific terms conflict with these Terms, the more specific terms control with respect to the subject matter they address.
2. ELIGIBILITY
The Services are intended for persons who are at least 18 years old and legally capable of entering into a binding agreement.
The Services are not directed to children under 13. Persons under 18 should not submit personal information through the Services without the authorization of a parent or legal guardian where permitted by applicable law.
3. CHANGES TO THESE TERMS
We may modify these Terms from time to time.
When we do, we will update the "Last Updated" date and make the revised Terms available through the applicable Service. Material changes will become effective prospectively after reasonable notice where required by applicable law.
Changes will not retroactively alter the resolution of a dispute that arose before the revised Terms became effective unless the parties expressly agree otherwise.
Your continued use of a Service after revised Terms become effective constitutes acceptance of those revised Terms to the extent permitted by applicable law.
4. DESCRIPTION OF SERVICES
QR Signature Services operates or may operate different types of digital properties.
Certain Services may provide or facilitate:
informational content;
consumer education;
directories;
forms and questionnaires;
interactive calculators or assessments;
estimates;
research or data;
advertising;
sponsored content;
affiliate relationships;
lead generation;
pay-per-call or pay-per-lead services;
referrals or introductions;
access to independent service providers or professionals;
digital tools;
AI-assisted functionality; or
other online services.
Not every Service offers every feature described in these Terms.
We may add, modify, suspend, or discontinue features or Services at any time, subject to applicable law and any separate agreement governing a paid transaction.
5. INFORMATIONAL NATURE OF CONTENT
Unless a particular Service or separate written agreement expressly provides otherwise, information available through the Services is provided for general informational and educational purposes.
Information may be incomplete, inaccurate, outdated, or inappropriate for a particular person's circumstances.
You are responsible for evaluating information before relying upon it and for obtaining appropriate professional assistance when needed.
6. NO PROFESSIONAL RELATIONSHIP
Your access to or use of a Service does not, by itself, create an attorney-client, accountant-client, financial-advisor, insurance-agent, broker, contractor, healthcare-provider, fiduciary, agency, employment, partnership, joint-venture, or other professional or special relationship with QR Signature Services or any person associated with it.
An owner, member, employee, contractor, affiliate, or other person associated with QR Signature Services may separately hold professional licenses or credentials. Those credentials do not transform ordinary use of a QR Signature Services website into a professional engagement.
QR Signature Services, LLC is not a law firm merely because an owner, member, employee, contractor, or affiliated person may be an attorney. Visiting a Service, submitting a form, sending a message, or providing information to QR Signature Services does not, standing alone, create an attorney-client relationship.
A professional relationship exists only when expressly established through an appropriate separate engagement or agreement with the applicable professional or professional entity.
7. NO LEGAL, FINANCIAL, TAX, MEDICAL, OR OTHER PROFESSIONAL ADVICE
Unless expressly stated otherwise in connection with a specific separately provided service, the Services do not provide legal, financial, investment, tax, accounting, medical, insurance, engineering, appraisal, or other regulated professional advice.
Do not delay obtaining appropriate professional advice because of information obtained through a Service.
8. LEAD GENERATION, REFERRALS, AND THIRD-PARTY PROVIDERS
Certain Services may collect inquiries, facilitate introductions, transmit information to third parties, display directories, identify potential providers, or otherwise connect users with independent businesses or professionals.
QR Signature Services may receive compensation in connection with calls, inquiries, leads, clicks, referrals, advertisements, placements, transactions, or other activity.
Unless expressly stated otherwise:
1. third-party providers are independent from QR Signature Services;
2. QR Signature Services does not employ, direct, supervise, or control those providers;
3. inclusion or availability of a provider does not constitute a guarantee or warranty regarding that provider;
4. users are responsible for evaluating providers before entering into a transaction or professional relationship;
5. submission of information does not guarantee that any provider will respond, accept an engagement, provide a quote, offer particular terms, or perform any service; and
6. QR Signature Services is not responsible for agreements entered into between users and independent third parties.
Nothing in this section prevents QR Signature Services from directly providing a service when the applicable Service expressly indicates that QR Signature Services is the provider.
9. ADVERTISING, SPONSORSHIPS, AFFILIATE RELATIONSHIPS, AND COMPENSATION
Certain Services may contain advertising, sponsored content, paid placements, affiliate links, referral links, paid listings, or other commercial relationships.
QR Signature Services may receive compensation when a user views an advertisement, clicks a link, places a call, submits information, purchases a product or service, enters into a transaction, or takes another action.
Advertising or compensation does not necessarily constitute an endorsement, warranty, certification, or recommendation by QR Signature Services.
Where applicable law requires disclosure of a material relationship or compensation arrangement, QR Signature Services will endeavor to provide appropriate disclosure in connection with the relevant content or recommendation.
10. ADVERTISING AND ANALYTICS TECHNOLOGIES
Certain Services may use advertising, analytics, measurement, fraud-prevention, or similar technologies provided by Google or other third parties.
Depending on the Service, applicable law, user choices, and configuration, advertisements may be personalized or non-personalized.
Technologies used in connection with advertising or analytics may include cookies, pixels, tags, web beacons, device identifiers, IP addresses, local storage, and similar technologies.
Our collection and use of personal information, and additional information concerning advertising and tracking technologies, are described in our Privacy Policy and any applicable privacy or consent interface.
Nothing in these Terms is intended to replace any consent that applicable law requires us to obtain separately.
11. PRIVACY
Your use of the Services is also subject to the QR Signature Services Privacy Policy available at:
https://qrsignatureservices.com/#privacy
The Privacy Policy describes our collection, use, disclosure, and processing of personal information.
To the extent legally appropriate, the Privacy Policy is incorporated into these Terms by reference. However, acceptance of these Terms does not constitute consent to a form of data processing for which applicable law requires separate affirmative consent.
12. COOKIES AND SIMILAR TECHNOLOGIES
Certain Services may use cookies and similar technologies for functionality, security, analytics, measurement, advertising, personalization, attribution, fraud prevention, or other purposes.
Additional disclosures, choices, and legally required consent mechanisms are provided through the Privacy Policy or applicable privacy interfaces.
Your browser or device may also provide mechanisms for controlling certain cookies or tracking technologies.
13. USER SUBMISSIONS
A Service may permit you to submit information through forms, questionnaires, calculators, email, uploads, telephone communications, text messages, or other methods.
You represent that information you submit:
1. is accurate to the best of your knowledge;
2. is submitted lawfully;
3. does not infringe another person's rights;
4. does not contain material you lack authority to provide; and
5. is not submitted for a fraudulent, abusive, or unlawful purpose.
Do not submit highly sensitive information unless the applicable Service specifically requests it and provides an appropriate method for doing so.
Submitting information does not, by itself, create a confidential, fiduciary, attorney-client, professional, or other special relationship.
Our handling of personal information is addressed in the Privacy Policy.
14. COMMUNICATIONS
If you request information, submit an inquiry, initiate a transaction, or otherwise interact with us, we may communicate with you about that interaction through reasonable methods, including email or telephone.
Transactional communications are distinct from marketing communications.
Where applicable law requires separate consent before sending marketing text messages, making certain automated or prerecorded calls, or engaging in similar marketing activity, such consent will be requested separately.
Agreeing to these Terms alone does not constitute consent to receive marketing calls or text messages where separate consent is required by law.
15. CALCULATORS, ESTIMATES, ASSESSMENTS, SCORES, AND AUTOMATED TOOLS
Certain Services may provide calculators, estimates, scores, assessments, valuations, classifications, automated results, AI-assisted responses, or similar interactive tools.
Outputs from these tools may depend on assumptions, generalized data, incomplete information, third-party information, algorithms, or information supplied by you.
Unless expressly stated otherwise, outputs are estimates or informational illustrations only.
They are not guaranteed to constitute:
an appraisal;
a formal valuation;
a professional opinion;
legal advice;
financial advice;
tax advice;
an insurance determination;
a guaranteed sale price;
a guaranteed offer;
a guaranteed saving;
a guaranteed eligibility determination; or
a guaranteed outcome.
You should independently verify information before making a material legal, financial, commercial, property, or other decision.
16. AI-ASSISTED FEATURES
Certain Services may use artificial intelligence, machine learning, automated classification, or similar technologies.
AI-generated or AI-assisted output may contain inaccuracies, omissions, or inappropriate conclusions.
Unless expressly provided under a separate agreement, AI-assisted output is informational only and should not be treated as a substitute for professional judgment, independent verification, or individualized advice.
17. NO GUARANTEE OF RESULTS
QR Signature Services does not guarantee any particular result from use of a Service.
Without limitation, we do not guarantee:
a sale;
an offer;
a particular price or valuation;
availability of a provider;
acceptance of an inquiry;
savings;
lead volume;
professional engagement;
provider performance;
business performance;
legal results;
search-engine rankings;
advertising performance;
revenue;
financial outcomes; or
any other particular result.
18. THIRD-PARTY WEBSITES AND SERVICES
The Services may contain links to, integrations with, advertisements from, or functionality provided by third parties.
QR Signature Services does not control third-party websites or services and is not responsible for their availability, content, security, privacy practices, terms, representations, products, or services.
Your dealings with a third party are between you and that third party.
You should review applicable third-party terms and privacy policies before using their services.
19. INTELLECTUAL PROPERTY
Except where otherwise stated, the Services and their original content, organization, selection, compilation, text, graphics, designs, branding, software, databases, methodologies, calculators, research, interfaces, and other materials are owned by or licensed to QR Signature Services and are protected by applicable intellectual-property laws.
Subject to these Terms, QR Signature Services grants you a limited, revocable, non-exclusive, non-transferable license to access and use the Services for lawful personal or internal business purposes.
Except as permitted by applicable law or with prior written permission, you may not:
1. reproduce or republish substantial portions of a Service;
2. sell, sublicense, or commercially exploit Service content;
3. scrape, crawl, harvest, or systematically extract data or content through automated means;
4. create or maintain a substitute database from Service content;
5. reverse engineer software or technical functionality except where applicable law expressly permits it;
6. remove proprietary notices;
7. use Company trademarks or branding in a manner likely to cause confusion; or
8. use a Service to train or develop a competing commercial product or dataset through unauthorized bulk extraction.
Nothing in these Terms transfers ownership of intellectual property to you.
20. ACCEPTABLE USE
You may not use a Service to:
violate applicable law;
commit fraud or misrepresentation;
impersonate another person;
submit false or misleading information;
interfere with the operation or security of the Service;
introduce malware or malicious code;
gain unauthorized access to systems or information;
bypass access controls or technical protections;
abuse forms or communication systems;
conduct unauthorized automated scraping or harvesting;
overwhelm infrastructure through automated requests;
infringe intellectual-property or privacy rights; or
facilitate unlawful activity.
We may take reasonable measures to prevent or respond to prohibited activity.
21. COPYRIGHT COMPLAINTS
If you believe material available through a Service infringes your copyright, you may send a written notice to:
QR Signature Services, LLC
PO BOX 846, Troy, MI 48099
Your notice should identify the copyrighted work, the allegedly infringing material, your contact information, and sufficient information for us to evaluate the claim.
If QR Signature Services later operates a Service that hosts substantial user-generated content and designates an agent under the Digital Millennium Copyright Act, the applicable Service may provide supplemental DMCA procedures and designated-agent information.
22. PAID SERVICES
If a Service permits you to purchase a product or service directly from QR Signature Services, additional transaction-specific terms may apply, including pricing, payment, cancellation, renewal, refund, and service terms.
Those terms will control with respect to the transaction to the extent they conflict with these general Terms.

23. DISCLAIMER OF WARRANTIES
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE."
QR SIGNATURE SERVICES DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, TO THE EXTENT THOSE WARRANTIES MAY LAWFULLY BE DISCLAIMED.
WE DO NOT WARRANT THAT:
A SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE;
INFORMATION WILL BE ACCURATE, COMPLETE, OR CURRENT;
DEFECTS WILL BE CORRECTED;
A SERVICE WILL BE FREE FROM HARMFUL COMPONENTS;
A PARTICULAR PROVIDER WILL BE AVAILABLE;
THIRD-PARTY SERVICES WILL PERFORM AS EXPECTED; OR
USE OF A SERVICE WILL PRODUCE A PARTICULAR RESULT.
SOME JURISDICTIONS DO NOT PERMIT CERTAIN WARRANTY DISCLAIMERS. IN THOSE JURISDICTIONS, THESE DISCLAIMERS APPLY ONLY TO THE MAXIMUM EXTENT PERMITTED BY LAW.
24. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, QR SIGNATURE SERVICES AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR RELIANCE DAMAGES ARISING FROM OR RELATING TO A SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE AGGREGATE LIABILITY OF QR SIGNATURE SERVICES ARISING FROM OR RELATING TO A SERVICE WILL NOT EXCEED THE GREATER OF:
(A) $100; OR
(B) THE AMOUNT YOU ACTUALLY PAID QR SIGNATURE SERVICES FOR THE APPLICABLE SERVICE DURING THE 12 MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
These limitations apply regardless of the form of action, including contract, tort, negligence, strict liability, statute, or otherwise.
Nothing in these Terms limits liability that applicable law does not permit us to limit or exclude.
25. INDEMNIFICATION
To the extent permitted by applicable law, you agree to indemnify and hold harmless QR Signature Services and its members, managers, officers, employees, and agents from third-party claims, damages, liabilities, losses, and reasonable expenses arising from:
1. your unlawful or fraudulent use of a Service;
2. your material violation of these Terms;
3. content or information you submit in violation of another person's rights; or
4. your unauthorized or abusive activity involving a Service.
This obligation does not require you to indemnify a person for that person's own conduct to the extent applicable law prohibits such indemnification.
26. MANDATORY INDIVIDUAL ARBITRATION AND DISPUTE RESOLUTION
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.
EXCEPT FOR THE LIMITED EXCEPTIONS BELOW, YOU AND QR SIGNATURE SERVICES AGREE THAT DISPUTES WILL BE RESOLVED THROUGH FINAL AND BINDING INDIVIDUAL ARBITRATION AND NOT THROUGH A LAWSUIT BEFORE A JUDGE OR JURY.
26.1 COVERED DISPUTES
To the maximum extent permitted by law, this arbitration agreement applies to any dispute, claim, or controversy between you and QR Signature Services arising out of or relating to:
a Service;
these Terms;
your use of or interaction with a Service;
communications resulting from a Service;
advertising, referrals, or introductions provided through a Service;
a transaction involving a Service; or
the relationship between you and QR Signature Services arising from a Service.
This provision applies whether a claim arises in contract, tort, statute, regulation, common law, equity, or another legal theory.
26.2 FEDERAL ARBITRATION ACT
You and QR Signature Services agree that transactions involving the Services involve interstate commerce to the extent applicable and that the Federal Arbitration Act, 9 U.S.C. Sections 1 et seq., governs the interpretation and enforcement of this arbitration agreement to the maximum extent applicable.
Where the Federal Arbitration Act does not govern an issue, applicable Michigan arbitration law governs to the extent not preempted by federal law.
26.3 INFORMAL NOTICE OF DISPUTE REQUIRED FIRST
Before commencing arbitration, the claimant must provide the other party with written notice describing the dispute and allow at least 30 days for informal resolution.
A notice sent to QR Signature Services must include:
1. the claimant's name and contact information;
2. the website or Service involved;
3. a reasonable description of the claim;
4. the material facts supporting the claim; and
5. the relief requested.
Notice to QR Signature Services must be sent to:
QR Signature Services, LLC
PO BOX 846, Troy, MI 48099
QR Signature Services may send a corresponding notice to you using contact information you provided through the applicable Service.
The parties will attempt in good faith to resolve the dispute during the 30-day period.
This provision is intended to facilitate reasonable informal resolution and not to impose an unreasonable barrier to pursuing a claim. An arbitrator may excuse noncompliance where required by applicable law or where strict enforcement would unfairly prevent a party from pursuing an otherwise timely claim.
26.4 ARBITRATION ADMINISTRATOR AND RULES
Arbitration will be administered by the American Arbitration Association ("AAA") under the AAA Consumer Arbitration Rules then in effect where those rules apply.
If the dispute does not qualify for administration under the Consumer Arbitration Rules, the AAA rules applicable to the dispute will apply.
If AAA is unavailable or declines to administer the dispute for a reason unrelated to a party's failure to comply with AAA requirements or pay required fees, the parties will attempt to agree upon another nationally recognized arbitration administrator. If they cannot agree, a court of competent jurisdiction may appoint an arbitrator or administrator as permitted by applicable law.
QR Signature Services will pay arbitration fees required to be paid by a business under applicable AAA Consumer Arbitration Rules.
The arbitrator may award all individual remedies that would otherwise be available to a party under applicable substantive law, subject to these Terms and lawful limitations on remedies.
26.5 OAKLAND COUNTY, MICHIGAN ARBITRAL SEAT
THE CONTRACTUAL SEAT AND LEGAL PLACE OF ARBITRATION SHALL BE OAKLAND COUNTY, MICHIGAN, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.
Unless the parties agree otherwise, any in-person evidentiary hearing will take place in Oakland County, Michigan.
However, where applicable consumer-arbitration rules, due-process requirements, or non-waivable law require a remote hearing or another reasonably accessible hearing location, the arbitrator or arbitration administrator may permit a telephone, video, documents-only, or alternative-location proceeding.
To the extent legally permissible, such procedural accommodation does not change Oakland County, Michigan as the agreed arbitral seat.
26.6 ARBITRATOR
The dispute will be decided by one neutral arbitrator unless applicable AAA rules require otherwise.
The arbitrator will have authority to determine disputes regarding the interpretation, scope, application, or enforceability of this arbitration agreement, except that a court will determine:
1. whether an agreement to arbitrate was formed; and
2. the enforceability of the Class Action Waiver in Section 26.9 where court determination is required by applicable law.
26.7 SMALL CLAIMS EXCEPTION
Either party may pursue an individual claim in a court of competent jurisdiction that qualifies as a small claims court if the claim remains solely within that court's jurisdiction and proceeds only on an individual basis.
Nothing in this exception permits class, collective, consolidated, or representative proceedings.
26.8 LIMITED COURT RELIEF
Notwithstanding this arbitration agreement, either party may seek temporary or preliminary injunctive relief from a court of competent jurisdiction when reasonably necessary to prevent imminent:
unauthorized system access;
cybersecurity harm;
misuse of intellectual property;
unauthorized disclosure of confidential information; or
conduct for which temporary judicial relief is necessary to preserve the effectiveness of arbitration.
Seeking such limited relief does not waive arbitration of the underlying dispute.
26.9 CLASS ACTION WAIVER
YOU AND QR SIGNATURE SERVICES AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY MAY PARTICIPATE AS A PLAINTIFF, CLAIMANT, OR CLASS MEMBER IN A PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE-ATTORNEY-GENERAL, OR REPRESENTATIVE ARBITRATION OR ACTION AGAINST THE OTHER.
THE ARBITRATOR MAY NOT CONSOLIDATE THE CLAIMS OF DIFFERENT PERSONS OR PRESIDE OVER A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING EXCEPT TO THE EXTENT APPLICABLE LAW PROVIDES A NON-WAIVABLE RIGHT THAT REQUIRES OTHERWISE.
26.10 JURY TRIAL WAIVER
FOR ANY DISPUTE THAT IS PERMITTED TO PROCEED IN COURT RATHER THAN ARBITRATION, YOU AND QR SIGNATURE SERVICES KNOWINGLY AND VOLUNTARILY WAIVE THE RIGHT TO A TRIAL BY JURY TO THE MAXIMUM EXTENT PERMITTED BY LAW.
26.11 ARBITRATION SEVERABILITY
If a portion of this arbitration agreement other than the Class Action Waiver is determined to be invalid or unenforceable, that portion will be severed and the remainder enforced to the maximum extent permitted by law.
If the prohibition on class arbitration is determined to be unenforceable with respect to a particular claim and applicable law does not permit that provision to be severed while preserving individual arbitration, that particular claim will proceed in court rather than class arbitration.
Nothing in this section authorizes class arbitration absent an enforceable agreement expressly permitting it.
27. GOVERNING LAW
These Terms are governed by the laws of the State of Michigan, without regard to Michigan's conflict-of-laws rules, except where federal law, including the Federal Arbitration Act, governs.
Nothing in these Terms eliminates a non-waivable consumer protection or statutory right that applicable law requires to remain available to you.
28. EXCLUSIVE JUDICIAL FORUM
For any dispute that is not subject to arbitration and that does not properly proceed in small claims court under Section 26.7, you and QR Signature Services consent to exclusive jurisdiction and venue in:
1. a Michigan state court of competent jurisdiction located in Oakland County, Michigan; or
2. if federal subject-matter jurisdiction exists, the United States District Court having jurisdiction over Oakland County, Michigan.
This provision applies to the maximum extent permitted by applicable law.
29. ELECTRONIC COMMUNICATIONS
When you communicate with us electronically or use a Service, you consent to receive records and communications electronically to the extent permitted by law.
Nothing in these Terms substitutes for any separate consent required under the federal E-SIGN Act or other law for a particular transaction.
30. SUSPENSION AND TERMINATION
We may restrict, suspend, or terminate access to a Service when reasonably necessary to:
protect security;
prevent unlawful or abusive use;
enforce these Terms;
protect users or third parties;
comply with law; or
discontinue a Service.
Termination does not affect rights or obligations that accrued before termination.
31. FORCE MAJEURE
QR Signature Services will not be liable for delay or failure in performance caused by circumstances beyond its reasonable control, including natural disasters, utility or telecommunications failures, cyberattacks, governmental actions, labor disruptions, widespread infrastructure failures, failures of third-party platforms, or other events beyond reasonable control.
This section does not excuse obligations that applicable law does not permit to be excused.
32. ASSIGNMENT
You may not assign your rights or obligations under these Terms without our prior written consent.
QR Signature Services may assign these Terms in connection with a merger, acquisition, sale of assets, corporate restructuring, affiliate restructuring, financing, or succession of the applicable business or Service.
33. ENTIRE AGREEMENT
These Terms, together with applicable supplemental terms, transaction-specific agreements, legally operative consent disclosures, and policies expressly incorporated by reference, constitute the agreement between you and QR Signature Services regarding the subject matter they address.
34. CONFLICTING TERMS
Where supplemental terms governing a particular Service, transaction, product, or feature conflict with these Terms, the supplemental terms control solely with respect to the subject matter of that conflict.
35. SEVERABILITY
Except as specifically provided in the arbitration provisions, if any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent legally permissible or severed if necessary, and the remainder will remain in effect.
36. NO WAIVER
Failure to enforce a provision of these Terms does not waive the right to enforce that provision or another provision later.
37. NO THIRD-PARTY BENEFICIARIES
Except where these Terms expressly provide otherwise, these Terms do not create enforceable rights in any third party.
38. ACCESSIBILITY AND TECHNICAL AVAILABILITY
We seek to make our Services reasonably accessible and functional, but we do not guarantee continuous availability, compatibility with every device or technology, or uninterrupted access.
If you encounter an accessibility issue, you may contact us at our contact us form.
39. SURVIVAL
Provisions that by their nature should survive termination or cessation of use will survive, including provisions concerning intellectual property, disclaimers, liability limitations, indemnification, dispute resolution, arbitration, governing law, and accrued rights.
40. HEADINGS AND INTERPRETATION
Headings are provided for convenience and do not alter the meaning of these Terms.
References to "including" mean "including without limitation" unless context clearly indicates otherwise.
These Terms will not be construed against a party merely because that party drafted or proposed them.
41. CONTACT INFORMATION
Questions regarding these Terms may be directed to:
QR Signature Services, LLC
PO BOX 846, Troy, MI 48099

PRIVACY POLICY
Last Updated: October 1, 2026
This Privacy Policy explains how QR Signature Services, LLC, a Michigan limited liability company ("QR Signature Services," "Company," "we," "us," or "our"), may collect, use, disclose, retain, and otherwise process personal information through websites, online properties, pages, forms, calculators, tools, directories, communications, and other digital services that are owned or operated by QR Signature Services and that link to or expressly incorporate this Privacy Policy (collectively, the "Services").
Your use of the Services is also subject to our Terms of Use, which are available through the applicable Service. The Terms of Use address contractual matters including acceptable use, disclaimers, limitations of liability, and dispute resolution. This Privacy Policy addresses our information practices and does not replace any separate consent, notice, or authorization required by applicable law.
1. SCOPE OF THIS PRIVACY POLICY
This Privacy Policy applies to:
1. the website or digital property on which this Privacy Policy is linked or incorporated;
2. other websites and digital properties owned or operated by QR Signature Services that expressly link to or incorporate this Privacy Policy; and
3. pages, forms, calculators, tools, content, communications, and functionality provided through those properties.
A website or digital property is not necessarily governed by this Privacy Policy merely because QR Signature Services owns or operates it. Certain Services may provide supplemental privacy notices that describe practices specific to that Service. If a supplemental privacy notice conflicts with this Privacy Policy regarding a particular processing activity, the more specific notice controls for that activity.
This Privacy Policy does not govern the independent privacy practices of third-party websites, advertisers, service providers, professionals, businesses, or other entities that are not controlled by QR Signature Services.
2. INFORMATION WE MAY COLLECT
The information we collect depends on the Service, how you interact with it, the features you use, and the technologies deployed on that Service.
2.1 Information You Provide Directly
Depending on the Service, you may provide information such as:
name;
email address;
telephone number;
mailing address;
ZIP code or general location;
property, asset, vehicle, equipment, or other subject-matter information;
service requests or inquiry details;
form, questionnaire, calculator, or assessment responses;
communications and correspondence;
business information;
transaction or payment-related information where a paid Service is offered;
files or materials you choose to submit where a Service permits uploads; and
other information you voluntarily provide.
Please do not submit Social Security numbers, financial account credentials, medical records, highly sensitive legal information, or other sensitive information unless the applicable Service specifically requests that information and provides an appropriate method for submitting it.
2.2 Information Collected Automatically
When you use a Service, we or third parties providing technology to us may automatically collect information such as:
IP address;
browser type and settings;
operating system;
device type;
device or advertising identifiers;
approximate location derived from IP address;
referring and exit pages or URLs;
pages viewed;
dates and times of visits;
links, buttons, or features used;
session and interaction information;
cookie or similar technology identifiers;
advertising, attribution, and conversion information;
analytics and diagnostic information; and
information used for security, fraud prevention, and service operation.
The specific information collected varies by Service and technology configuration.
2.3 Information From Third Parties
Depending on the Service, we may receive information from third parties such as:
analytics providers;
advertising platforms and networks;
referral or affiliate partners;
service providers;
lead-generation partners;
business partners;
third-party professionals or businesses involved in responding to an inquiry;
data providers; and
publicly available sources.
We do not necessarily receive information from every category listed above for every Service.
3. HOW WE MAY USE INFORMATION
Depending on the Service and applicable law, we may use personal information to:
operate, maintain, and provide the Services;
respond to inquiries or requests;
process forms, questionnaires, calculators, assessments, or other interactive tools;
provide requested information;
facilitate referrals, introductions, quotes, or connections requested by users;
route inquiries to appropriate third-party providers;
communicate about a user's request or interaction;
provide customer or technical support;
administer transactions or paid Services where applicable;
measure and analyze use of the Services;
improve content, features, usability, and performance;
measure advertising and marketing effectiveness;
perform attribution and conversion measurement;
provide or support advertising, including personalized advertising where permitted and appropriately consented to;
prevent fraud, abuse, security incidents, and misuse;
maintain records;
comply with legal obligations;
respond to lawful process;
protect our rights, users, property, and Services;
enforce applicable agreements and policies;
support business operations, financing, restructuring, or transactions; and
carry out other purposes disclosed at the time information is collected or with your direction or consent.
4. LEAD GENERATION, REFERRALS, AND REQUESTED CONNECTIONS
Certain Services may be designed to help users locate, contact, or obtain information from independent businesses, contractors, professionals, buyers, sellers, advertisers, or other providers.
If you submit an inquiry, request a quote, ask to be contacted, request a referral, place a call through a tracked number, or otherwise request a connection, we may disclose information reasonably relevant to that request to one or more potential providers or other parties involved in responding to the request.
Information disclosed for this purpose may include contact information, information about the requested service, information you submit through a form or calculator, and other information reasonably necessary to facilitate the requested interaction.
QR Signature Services may receive compensation in connection with leads, calls, referrals, clicks, placements, transactions, advertising, or other commercial activity, as described in the Terms of Use and applicable disclosures.
Third-party providers are independent from QR Signature Services unless expressly stated otherwise. Once information is disclosed to an independent third party for its own purposes, that party's privacy practices may apply. You should review the privacy practices of any third party with whom you choose to interact.
5. COOKIES AND SIMILAR TECHNOLOGIES
Certain Services may use cookies and similar technologies such as pixels, tags, web beacons, local storage, advertising identifiers, and related technologies.
These technologies may be used for purposes including:
operating and securing the Services;
remembering settings or preferences;
analytics and measurement;
understanding traffic and interactions;
advertising;
personalization where permitted;
conversion tracking;
attribution;
frequency capping;
fraud prevention; and
improving functionality and performance.
Some technologies may be placed or read by third parties, including advertising and analytics providers.
You may have controls available through your browser, device, advertising settings, consent-management interface, or privacy-choice mechanism. Disabling cookies may affect certain features and does not necessarily disable all similar technologies.
6. GOOGLE ADSENSE, GOOGLE ADVERTISING, AND GOOGLE TECHNOLOGIES
Certain Services may use Google products or services, which may include Google AdSense, Google advertising technologies, Google Analytics, or other Google services.
When Google services are integrated into a website, information may be transmitted to Google. For example, a browser may transmit the URL of the page being visited, the user's IP address, cookie information, device information, or other identifiers. Google may set or read cookies or use other technologies in connection with advertising, analytics, measurement, security, fraud prevention, and other services.
Third-party vendors, including Google, may use cookies to serve ads based on a user's prior visits to a Service or other websites. Google's use of advertising cookies may enable Google and its partners to serve advertisements based on visits to a Service and other sites on the Internet.
Depending on the applicable Service, user choices, region, configuration, and applicable law, advertisements may be personalized or non-personalized. Non-personalized advertising may still use cookies or other identifiers for purposes such as frequency capping, aggregated reporting, security, and fraud prevention.
Users may learn more about and control certain Google advertising preferences through Google's advertising settings. Information about how Google uses information from sites or apps that use Google services is available at:
https://policies.google.com/technologies/partner-sites
Google advertising settings are available at:
https://adssettings.google.com/
Users may also have industry-based advertising choices available through resources such as:
https://www.aboutads.info/
If other third-party advertising vendors or networks are used on a Service, additional vendor-specific disclosures or opt-out mechanisms may be provided through the applicable Service, privacy interface, or consent-management platform.
7. GOOGLE ANALYTICS AND OTHER ANALYTICS SERVICES
Certain Services may use Google Analytics or other analytics technologies to help understand how users interact with the Services.
Depending on configuration, analytics providers may process information such as IP address, device and browser information, pages visited, interactions, approximate location, referral information, session information, cookies, identifiers, and related usage data.
Analytics information may be used to measure traffic, understand user behavior, diagnose technical issues, evaluate marketing performance, improve Services, and support security and fraud prevention.
The use of a particular analytics provider may vary by Service. We do not represent that every Service uses Google Analytics or any other specific analytics provider.
8. ADVERTISING, TARGETED ADVERTISING, SALE, AND SHARING
Certain Services may use third-party advertising technologies or disclose information in connection with advertising, referral, affiliate, or lead-generation activities.
Depending on the applicable law and the specific data flow, some of these activities may be considered "targeted advertising," "cross-context behavioral advertising," a "sale" of personal information, or "sharing" of personal information even if no money is paid specifically for the personal information.
For example, advertising technologies may involve disclosure of identifiers, device information, browsing activity, or interactions to advertising partners. Lead-generation arrangements may involve disclosure of information to third parties that wish to respond to a user's inquiry, and QR Signature Services may receive compensation in connection with those leads or referrals.
We do not use the term "sale" in this Privacy Policy to mean that QR Signature Services necessarily sells personal information in the ordinary sense. Instead, we recognize that certain state privacy laws define "sale" or "sharing" broadly.
Where applicable law gives you a right to opt out of sale, sharing, targeted advertising, or certain profiling, we will provide a legally appropriate method for exercising that right. Depending on the Service, that method may be available through a "Privacy Choices," "Do Not Sell or Share My Personal Information," consent-management, or similar link or through the privacy contact method identified below.
9. GLOBAL PRIVACY CONTROL AND UNIVERSAL OPT-OUT SIGNALS
Some jurisdictions recognize browser-based universal opt-out mechanisms such as Global Privacy Control (GPC).
Where applicable law requires us to recognize a legally valid universal opt-out signal and the applicable Service is configured to receive that signal, we will process the signal as required by law.
The effect of a universal opt-out signal may depend on the browser, device, Service, jurisdiction, and technologies involved.
10. U.S. STATE PRIVACY RIGHTS
Depending on where you live, the nature of the information we process, and whether the applicable law applies to QR Signature Services, you may have privacy rights such as the right to:
confirm whether we process your personal information;
access certain personal information;
correct inaccuracies;
delete certain personal information;
obtain a portable copy of certain information;
opt out of targeted advertising;
opt out of certain sales or sharing of personal information;
opt out of certain profiling in furtherance of decisions producing legal or similarly significant effects;
limit certain uses or disclosures of sensitive personal information where applicable; and
appeal certain decisions regarding a privacy request.
These rights vary by jurisdiction, are subject to statutory definitions, thresholds, exceptions, and verification requirements, and may not apply in every circumstance.
To submit a privacy request, use the contact method listed in Section 27 below. We may need to verify your identity before fulfilling a request. We may request information reasonably necessary to verify the request and protect personal information against unauthorized disclosure.
Where applicable law permits an authorized agent to submit a request on your behalf, we may require reasonable evidence that the agent is authorized to act for you and may separately verify your identity where permitted.
We will not unlawfully discriminate against you for exercising a privacy right granted by applicable law.
11. CALIFORNIA PRIVACY RIGHTS
California law may provide California residents with specific privacy rights if QR Signature Services meets the applicable statutory requirements for the relevant processing activity.
Depending on applicability and circumstances, those rights may include rights to know, access, correct, delete, obtain information concerning categories of personal information and disclosures, opt out of sale or sharing, limit certain uses of sensitive personal information, and receive equal service and pricing as provided by law.
If California law applies to a particular Service or processing activity, additional notices, including a Notice at Collection or California-specific disclosures, may be provided where required.
Nothing in this section represents that QR Signature Services is necessarily a "business" subject to the California Consumer Privacy Act for every Service or processing activity. Applicability depends on statutory thresholds and other requirements.
12. SENSITIVE PERSONAL INFORMATION
Certain laws and advertising policies impose additional requirements on information considered sensitive.
Depending on applicable law, sensitive information can include information such as precise geolocation, certain financial information, health information, biometric information, racial or ethnic origin, religious beliefs, sexual orientation, citizenship or immigration information, information from known children, and other legally defined categories.
Some Services may also involve subject matter that could reveal or suggest financial distress, debt, negative equity, legal issues, health-related concerns, or other sensitive circumstances.
Unless a Service expressly requests particular sensitive information, please do not provide sensitive information that is not reasonably necessary for your request.
We may limit the use or disclosure of sensitive information where required by applicable law or platform policy.

13. FORMS, CALCULATORS, ASSESSMENTS, AND INTERACTIVE TOOLS
Certain Services may use forms, questionnaires, calculators, estimates, assessments, scores, valuation tools, diagnostic-style tools, or similar features.
Information you submit to these tools may be processed to generate an output, respond to your request, analyze use of the Service, improve the tool, facilitate a requested referral or connection, or for other purposes disclosed in this Privacy Policy or at the time of collection.
Where a tool is used to request a referral, quote, service provider, or follow-up, relevant information may be disclosed to one or more potential providers as described in Section 4.
The Terms of Use contain important limitations regarding estimates, calculators, automated outputs, valuations, and other informational tools.
14. ARTIFICIAL INTELLIGENCE AND AUTOMATED TECHNOLOGIES
Certain Services may use artificial intelligence, machine learning, automated classification, or similar technologies to support functions such as content generation, summarization, matching, routing, analysis, or user interaction.
Information submitted through a feature using third-party AI technology may be processed by the applicable technology provider where necessary to provide the feature.
Do not submit unnecessary sensitive information to an AI-assisted feature.
Unless separately disclosed, QR Signature Services does not represent that an AI-assisted feature makes legally significant decisions about users without human involvement. Where applicable law creates rights relating to automated decision-making, we will address those rights as required.
15. CALL TRACKING AND TELEPHONE COMMUNICATIONS
Certain Services may use telephone numbers or call-routing technologies that help route calls, measure advertising performance, attribute calls to marketing sources, or connect callers with third-party providers.
Depending on the technology used, information processed may include the caller's telephone number, date and time of the call, call duration, routing information, advertising-source information, and other call metadata.
Information may be disclosed to a provider receiving or responding to the call.
This Privacy Policy does not state that calls are recorded. If a Service records calls, that Service should provide any disclosure or consent required by applicable law before or at the time of recording.
16. EMAIL, TEXT MESSAGES, AND OTHER COMMUNICATIONS
If you submit an inquiry, request information, begin a transaction, or otherwise communicate with us, we may use the contact information you provide to respond and communicate about that interaction.
We may also send marketing communications where permitted by law and consistent with any required consent.
Where applicable law requires separate consent before sending marketing text messages, making certain automated or prerecorded calls, or engaging in similar marketing activity, that consent will be requested separately. Acceptance of this Privacy Policy or the Terms of Use alone does not constitute such consent where separate consent is required.
Commercial emails will include legally required unsubscribe mechanisms where applicable.
17. AFFILIATE LINKS AND COMMERCIAL RELATIONSHIPS
Certain Services may contain affiliate links, referral links, sponsored content, paid placements, or other commercial relationships.
When you click an affiliate or referral link, the applicable third party or affiliate network may receive information such as referral source, device information, cookies, identifiers, or transaction-related information necessary to attribute activity.
QR Signature Services may receive compensation from certain interactions or transactions. Material compensation relationships will be disclosed where required by applicable law. Additional commercial terms are addressed in the Terms of Use.
18. HOW WE MAY DISCLOSE INFORMATION
Depending on the Service and circumstances, we may disclose personal information to the following categories of recipients:
Service providers. Vendors that help us host, maintain, secure, operate, analyze, support, or improve the Services.
Advertising and analytics providers. Providers that support advertising, analytics, attribution, measurement, fraud prevention, or related functions.
Referral partners and independent providers. Businesses or professionals to whom information is disclosed to facilitate a user's requested quote, inquiry, referral, connection, or service.
Affiliate and commercial partners. Parties involved in affiliate, referral, sponsored, or other commercial relationships.
Professional advisers. Attorneys, accountants, insurers, consultants, or other advisers when reasonably necessary for legitimate business or legal purposes.
Legal and governmental recipients. Courts, regulators, law enforcement, government entities, or other parties where disclosure is required by law, valid legal process, or reasonably necessary to protect rights, safety, security, or legal interests.
Business transaction parties. Potential or actual acquirers, investors, lenders, advisers, affiliates, or successors in connection with a merger, acquisition, financing, restructuring, asset transfer, bankruptcy, or other business transaction.
Parties you direct us to disclose information to. We may disclose information when you request or authorize us to do so.
A third party that receives information for its own independent purposes is responsible for its own privacy practices.
19. THIRD-PARTY WEBSITES AND SERVICES
The Services may contain links to or integrations with third-party websites, advertisements, tools, social platforms, embedded content, payment services, or other third-party services.
This Privacy Policy does not govern third-party services that are not controlled by QR Signature Services. Those third parties may collect information directly from you and may have privacy practices that differ from ours.
You should review the applicable third party's privacy policy before providing information or using its services.
20. CHILDREN'S PRIVACY
The Services are intended for persons who are at least 18 years old and are not directed to children under 13.
Persons under 18 should not submit personal information through the Services without authorization from a parent or legal guardian where permitted by applicable law.
We do not knowingly collect personal information from children under 13 in violation of the Children's Online Privacy Protection Act.
If you believe a child under 13 has provided personal information to us, contact us using the method listed in Section 27 so that we can review the matter and take appropriate action.
21. DATA RETENTION
We retain personal information for periods reasonably necessary for the purposes for which it was collected or otherwise processed, including as necessary to:
provide the Services;
respond to inquiries;
maintain business and transaction records;
manage referrals or leads;
perform analytics and security functions;
prevent fraud and abuse;
comply with legal, tax, accounting, regulatory, or contractual obligations;
resolve disputes;
enforce agreements; and
protect legal rights.
Retention periods may vary based on the type of information, the Service involved, legal requirements, operational needs, and whether the information remains necessary for a legitimate business purpose.
Where applicable law requires a more specific retention disclosure or limitation, we will comply with that requirement.
22. DATA SECURITY
We use reasonable administrative, technical, and organizational measures designed to protect personal information in light of the nature of the information and our operations.
No method of transmission, storage, or security is completely secure, and we cannot guarantee absolute security.
Users are responsible for using reasonable care when transmitting information through the Internet and for protecting their own devices, accounts, and credentials.
23. DATA INCIDENTS
If a security incident involving personal information occurs, we will evaluate the incident and provide notifications or take other steps as required by applicable law.
Nothing in this Privacy Policy creates a contractual obligation to provide notice beyond what applicable law requires.
24. INTERNATIONAL USERS AND REGIONAL CONSENT REQUIREMENTS
QR Signature Services is a United States company, and the Services are primarily intended for users in the United States unless a particular Service states otherwise.
The fact that a Service can be accessed from another country does not necessarily mean that QR Signature Services intentionally offers services in that jurisdiction or is subject to every privacy law of that jurisdiction.
However, Google and other technology providers may impose regional requirements based on where website visitors are located. For example, if a Service uses Google publisher advertising products to serve personalized ads to users in the European Economic Area, United Kingdom, or Switzerland, Google requires the use of a Google-certified consent management platform integrated with the IAB Transparency and Consent Framework under Google's applicable publisher requirements.
Where a consent interface is required by applicable law or platform policy, the interface and user choices will supplement this Privacy Policy.
25. PRIVACY CHOICES AND ADVERTISING CONTROLS
Depending on the Service, jurisdiction, and technologies involved, you may have choices such as:
adjusting browser cookie settings;
using device privacy or advertising controls;
using a consent-management interface;
using a Privacy Choices or similar link;
using Google Ads Settings;
using industry opt-out tools;
submitting a state privacy request; or
using a legally recognized universal opt-out signal where applicable.
Google advertising settings are available at:
https://adssettings.google.com/
Additional industry advertising choices may be available at:
https://www.aboutads.info/
Blocking or opting out of certain advertising technologies does not necessarily prevent you from seeing advertisements. It may instead affect personalization or the data used for advertising.
26. CHANGES TO THIS PRIVACY POLICY
We may update this Privacy Policy from time to time to reflect changes in our Services, practices, technologies, legal requirements, or business operations.
When we update this Privacy Policy, we will revise the "Last Updated" date and make the updated policy available through the applicable Service.
Where required by applicable law, we will provide additional notice or obtain consent before materially changing how we process personal information.
We will not rely solely on continued use of a Service as consent to a materially different processing activity where applicable law requires separate affirmative consent.
27. CONTACT US AND PRIVACY REQUESTS
Questions about this Privacy Policy or requests to exercise applicable privacy rights may be directed to:
QR Signature Services, LLC
PO BOX 846, Troy, MI 48099
You may also use a privacy-request or contact method made available through the applicable Service.
When necessary, we may request information reasonably necessary to verify your identity, authenticate a request, or protect personal information from unauthorized access or disclosure.
28. TERMS OF USE
Your use of the Services is also subject to the QR Signature Services Terms of Use available through the applicable Service.
To the extent legally enforceable, disputes concerning use of the Services or this Privacy Policy are subject to applicable provisions of the Terms of Use, including its dispute-resolution provisions. Nothing in this Privacy Policy expands or contracts any non-waivable privacy right or remedy provided by applicable law.
29. NO PROFESSIONAL RELATIONSHIP CREATED BY PRIVACY SUBMISSIONS
Submitting information, a privacy request, or another communication through a Service does not, by itself, create an attorney-client, fiduciary, professional, or other special relationship.
The Terms of Use contain additional provisions concerning professional relationships and use of the Services.