Terms of Use

1. Agreement to Terms

These Terms of Use (the “Terms”) constitute a binding legal agreement between you (“you” or “user”) and Ripple Consulting & Development, LLC, a Tennessee limited liability company with its principal place of business at 272 Heritage Park Drive, Murfreesboro, Tennessee 37129 (“Ripple,” “we,” “us,” or “our”).

These Terms govern your access to and use of the Ripple website located at createmyripple.com, including all content, features, tools, communications, and services made available through the website (collectively, the “Website”).

If you are accessing the Website on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

2. About Ripple

Ripple Consulting & Development, LLC is a professional services firm providing operations consulting, marketing infrastructure, automation, and related advisory services to chiropractic practices and cash-based medical practices throughout the United States. We provide informational content on the Website and offer paid services to engaged clients pursuant to separate written agreements.

3. Eligibility

The Website is intended for use by business professionals aged 18 years or older. By using the Website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. The Website is not directed to children, and we do not knowingly accept submissions from children under the age of 13.

4. Permitted Use of the Website

Subject to your compliance with these Terms, Ripple grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Website for your personal or internal business purposes. You may view, download, and print materials from the Website solely for these purposes, provided that you do not modify the materials or remove any copyright, trademark, or other proprietary notices.

4.1 Prohibited Conduct

You agree not to:

• Use the Website in any manner that violates any applicable federal, state, local, or international law or regulation
• Use the Website to send unsolicited or unauthorized advertising, promotional materials, junk mail, spam, or any similar form of solicitation
• Impersonate or attempt to impersonate Ripple, a Ripple employee, another user, or any other person or entity
• Engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Website, or which may harm Ripple or users of the Website
• Use any robot, spider, scraper, or other automated means to access the Website for any purpose without our prior written consent
• Bypass, disable, or circumvent any technological measure used to protect the Website or its content
• Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Website, our servers, or any connected systems
• Introduce any viruses, Trojan horses, worms, logic bombs, ransomware, or other harmful material to the Website
• Use the Website in any manner that could disable, overburden, damage, or impair the Website
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of any portion of the Website
• Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Website without our express written permission

5. Services and Client Engagements

The Website provides general information about Ripple’s services. Engagement of Ripple’s paid services is governed by a separate written services agreement, statement of work, or master services agreement executed between Ripple and the client (each, an “Engagement Agreement”).

5.1 Free Consultations and Audits

Ripple may offer complimentary consultations or audits as a marketing tool. Such complimentary services are provided on an as-is basis, are limited in scope to the discussion described, and do not create a client relationship or any obligation by Ripple to provide further services. No advice provided during a complimentary consultation should be construed as a substitute for professional legal, medical, financial, tax, or accounting advice.

5.2 Business Associate Agreements

For clients who are HIPAA-covered entities and whose engagement may involve Ripple’s access to or processing of Protected Health Information (PHI), Ripple will execute a Business Associate Agreement (BAA) prior to the commencement of services involving such information. The BAA governs the parties’ respective obligations with respect to PHI in addition to the Engagement Agreement and these Terms.

5.3 Service Availability

We strive to keep the Website available 24 hours a day, 7 days a week. However, we do not warrant that the Website will be available at all times. We may, in our sole discretion and without prior notice, suspend, modify, or discontinue all or any portion of the Website for maintenance, upgrades, or other operational reasons.

6. Intellectual Property Rights

6.1 Our Content

All content, materials, features, and functionality on the Website, including text, graphics, logos, icons, images, audio and video clips, downloadable files, data compilations, software, and the overall design and arrangement thereof (collectively, the “Content”), are the property of Ripple, our licensors, or other content providers, and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

6.2 Trademarks

The names “Ripple,” “Ripple Consulting & Development,” the Ripple logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Ripple or its affiliates. You may not use any such marks without our prior written consent. All other names, logos, product and service names, designs, and slogans on the Website are the trademarks of their respective owners.

6.3 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Website and Content for your personal or internal business use only. No other rights or licenses are granted, whether by implication, estoppel, or otherwise.

6.4 User Submissions

If you submit content to Ripple through the Website, including comments, feedback, suggestions, ideas, testimonials, or other materials (collectively, “Submissions”), you grant Ripple a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, sublicensable, and transferable right to use, reproduce, modify, adapt, publish, translate, distribute, and display such Submissions in any media for any lawful purpose. You represent and warrant that any Submission you provide is your original work, does not infringe any third-party rights, and does not contain confidential information unless we have agreed otherwise in writing.

7. Confidentiality

In the course of providing services, Ripple and its clients may exchange confidential information. Confidential information shall be governed by the applicable Engagement Agreement or a separate non-disclosure agreement. Ripple maintains administrative, technical, and physical safeguards designed to protect the confidentiality of information entrusted to us.

8. Third-Party Links and Services

The Website may contain links to third-party websites, services, or resources that are not owned or controlled by Ripple. Ripple has no control over, and assumes no responsibility for, the content, privacy practices, or practices of any third-party websites or services. You acknowledge and agree that Ripple shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

9. Disclaimers

Without limiting the foregoing, Ripple does not warrant that the Website will be uninterrupted, error-free, secure, or free of viruses or other harmful components, or that any defects will be corrected. Ripple makes no warranty regarding the accuracy, reliability, completeness, or timeliness of the Content on the Website.

Any information provided on the Website is for general informational purposes only and does not constitute legal, medical, financial, tax, accounting, or other professional advice. You should consult with qualified professionals before making any business decisions based on information from the Website. Reliance on any information provided on the Website is solely at your own risk.

10. Limitation of Liability

11. Indemnification

You agree to defend, indemnify, and hold harmless Ripple, its affiliates, and their respective officers, directors, employees, agents, suppliers, and licensors from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to:

• Your violation of these Terms
• Your access to or use of the Website
• Your Submissions
• Your violation of any applicable law, regulation, or third-party right

Ripple reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case you agree to cooperate with Ripple’s defense of such claim.

12. Termination

We may terminate or suspend your access to the Website at any time, with or without notice, for any reason or no reason, including without limitation if we believe you have violated these Terms. Upon termination, your right to use the Website will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including without limitation ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

13. Governing Law and Jurisdiction

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation shall be governed by and construed in accordance with the laws of the State of Tennessee, without regard to its conflict of law principles.

Subject to Section 14, any legal action or proceeding arising out of or relating to these Terms or your use of the Website shall be brought exclusively in the state or federal courts located in Rutherford County, Tennessee, and you consent to the personal jurisdiction of such courts.

14. Dispute Resolution

14.1 Informal Resolution

Before filing any formal legal action, you agree to attempt to resolve any dispute with Ripple informally by contacting us at [email protected]. We will attempt in good faith to resolve any dispute within sixty (60) days of receipt of your written notice.

14.2 Arbitration

If we cannot resolve a dispute informally, any dispute, claim, or controversy arising out of or relating to these Terms, the Website, or the breach, termination, enforcement, interpretation, or validity thereof shall be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration shall take place in Murfreesboro, Tennessee, or via remote means, and shall be conducted in the English language. Judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.

14.3 Class Action Waiver

14.4 Exceptions

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual property rights or confidential information.

15. Changes to These Terms

We may revise and update these Terms from time to time in our sole discretion. All changes are effective immediately when posted on the Website, except where required by law, in which case we will provide additional notice. The “Last Updated” date at the top of these Terms indicates when they were last revised. Your continued use of the Website following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page periodically so you are aware of any changes.

16. Electronic Communications

By using the Website, you consent to receive electronic communications from Ripple. These communications may include notices about your use of the Website, account-related information, and information regarding our services. You agree that any notices, agreements, disclosures, or other communications that we send to you electronically will satisfy any legal communication requirements, including that such communications be in writing.

17. Marketing Communications, CAN-SPAM, and TCPA

By providing your email address or telephone number through the Website, you consent to receive transactional and, where you have separately opted in, marketing communications from Ripple. Our communications comply with the CAN-SPAM Act and, where applicable, the Telephone Consumer Protection Act (TCPA). You may unsubscribe from marketing emails by clicking the unsubscribe link in any such email, opt out of text messages by replying STOP, or contact us at [email protected] to manage your communication preferences. Message and data rates may apply for text communications.

18. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be deemed modified to the minimum extent necessary to make it valid, legal, and enforceable, and the remaining provisions of these Terms shall continue in full force and effect.

19. Waiver

No waiver by Ripple of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure by Ripple to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

20. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or agreements published by Ripple on the Website or executed between you and Ripple, constitute the entire agreement between you and Ripple concerning your use of the Website. Any rights not expressly granted herein are reserved by Ripple.

21. Assignment

You may not assign, transfer, or delegate these Terms or any of your rights or obligations hereunder without our prior written consent. Ripple may freely assign, transfer, or delegate these Terms in its sole discretion. Any attempted assignment in violation of this section shall be null and void.

22. Contact Us

If you have questions or concerns about these Terms, please contact us at: