Last Updated: January 18, 2023

These Terms of Service (“Terms”) apply to your access to and use, either as a Professional (as defined below) or user of (i) the website located at http://owlmi.com/index.html (or any successor links) and all associated web pages, websites, and social media pages (the “Site”) provided by Owlmi, Inc. (“OWLMI”, “we”, “our” or “us”), (ii) mobile applications that may be downloaded to your smartphone or tablet (each an “App”), or (iii) online


We may indicate that different or additional terms, conditions, guidelines, policies, or rules apply in relation to some of our Services (“ Supplemental Terms ”). Any Supplemental Terms become part of your agreement with us if you use the applicable Services, and if there is a conflict between these Terms and the Supplemental Terms, the Supplemental Terms will control for that conflict.

We may make changes to these Terms. The “Last Updated” date above indicates when these Terms were last changed. If we make future changes, we may provide you with notice of such changes, such as by sending an email, providing a notice through our Services, or updating the date at the top of these Terms. Unless we say otherwise in our notice, the amended Terms will be effective immediately, and your continued use of our Services after we provide such notice will confirm your acceptance of the changes. If you do not agree to the amended Terms, you must immediately stop using our Services.

1. Eligibility and Use Restrictions

(a) Jurisdiction. You may only use our Services in jurisdictions authorized by OWLMI.

(b) Age. Users under 18 years of age (or the age of legal majority where you live) may only use our Services under the supervision of a parent or legal guardian who agrees to be bound by these Terms. The parent or legal guardian of a user under the age of 18 (or the age of legal majority) is fully responsible for the acts or omissions of such user in relation to our Services. If you are a parent or legal guardian and you believe that your child under the age of 18 is using our Services without your consent, please contact us at contact@owlmi.com.

(c) Use and Sharing. You may only use our Services for personal, family or household purposes and expressly excluding any commercial use.

2. Your Information

You may provide certain information to OWLMI in connection with your access or use of our Services, or we may otherwise collect certain information about you when you access or use our Services. You agree to receive emails, SMS or text messages, and other types of communication from OWLMI via the Services using the email address or other contact information you provide in connection with the Services. You represent and warrant that any information that you provide to OWLMI in connection with the Services is accurate. For information about how we collect, use, share and otherwise process information about you, please see our Privacy Policy

3. Accounts

You must create an account with OWLMI in order to use some or all of our Services. You may not share or permit others to use your individual account credentials, unless we otherwise give you permissions. You will promptly update any information contained in your account if it changes. You must use a strong password for your account that is unique to our Services and not used by you in any other website or online service. You must maintain the security of your account, as applicable, and promptly notify us if you discover or suspect that someone has accessed your account without your permission. We reserve the right to reject, require that you change, or reclaim usernames, including on behalf of businesses or individuals that hold legal title, including trademark rights, in those usernames.

4. Professionals and Rating

(a) “Professional” refers to users who answer questions posed by other users on the Services in their capacity as a professional who makes available their services on the Site. The Services are a venue for informational and educational purposes, owned and operated by OWLMI, hat brokers relationships between Professionals and users who are interested in purchasing Professional’s services. OWLMI is not in the business of providing or selling information or education that is within any Professional’s area of expertise. Professionals determine which questions to answer; Professionals are not employees or agents of OWLMI but are independent service providers using the Site to sell their knowledge to user and, as such, together with users, are simply users of the Services. OWLMI does not guarantee that you will receive a response from a Professional, or that you will be satisfied with your communication with a Professional.

(b)Rating Professionals. Users will be able to rate Professionals based on their interactions with and Services they receive from Professionals.

(c) EMERGENCY QUESTIONS AND CRISIS SITUATIONS (particularly regarding medical or mental health issues) should not be directed to the Site and should, instead be directed immediately by telephone or in-person to qualified professionals (e.g. in the U.S., call 911). The Services not the appropriate venue to deal with such situations.

5. Verification; No Reliance on the Term “Professional”

(a) Information about a Professional has been provided by the Professional but has not been verified (unless otherwise indicated). Use of the term “Professional” by OWLMI and on the Services are only meant to describe users who answer questions on the Services, and not to guarantee any particular level of expertise of these Professionals.

(b)OWLMI makes effort to verify, but cannot warrant or guarantee a Professional's purported identity; user identification on the Internet is difficult. For these reasons, OWLMI cannot and does not represent, warrant or guarantee the truthfulness or accuracy of the credentials or identities of users and information provided by users including Professionals. You acknowledge that OWLMI will not be liable for any loss or damages caused by your reliance on any information or content contained in Professional Third Party Content.

6. Information Not Advice; No Client-Professional Relationship

(a) Answers of Professionals on the Services are provided by Professionals and are to be used by users for general information purposes only, not as a substitute for in-person evaluation or specific professional (e.g., medical, legal, veterinary, tax, financial, etc.) advice. For example, Professionals in the Legal category will provide only general information about the law and will not provide legal advice nor propose a specific course of action for a user. By answering questions, Professionals do not intend to form, and do not form attorney-client or doctor-patient relationships with users. The laws, regulations, other governing authorities, standards, practices, and procedures that apply to your particular question may differ depending on your location and information typically discovered through in-person evaluations or visits. Professionals in some categories may be licensed, certified, educated, employed by, or have experience in only particular jurisdictions.

(b) No professional-client relationships shall be formed on the Site. Communications on the Services are not confidential and shall not be the subject of any associated privileges. Communications on the Services are limited, as described above, do not involve in-person evaluations or visits, and do not include safeguards and procedures typical of in-person evaluations and visits.

(c) Before you can interact with a Professional, you will be required to agree to a disclaimer reminding you of your agreement to these Terms.

7. User Content

(a) Our Services may allow you and other users to create, post, store, and share content, including reviews, messages, text, photos, videos, software, and other materials (collectively, “User Content”). If you post or otherwise share User Content on or through our Services, you understand that your User Content and any associated information (such as your username or profile photo) may be visible to others. If you choose to make any of your information publicly available through the Services, you do so at your own risk.

(b) Except for the license you grant below, as between you and OWLMI, you retain all rights in and to your User Content, excluding any portion of the Services included in your User Content. You grant OWLMI and our end users a perpetual, irrevocable, nonexclusive, royalty-free, worldwide, fully paid, and sublicensable (through multiple tiers) license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, publicly or otherwise perform and display, and exploit your User Content and any name, username or likeness provided in connection with your User Content in all media formats and channels now known or later developed without compensation to you or any third party. You hereby irrevocably waive any “moral rights” or other rights with respect to attribution of authorship or integrity of materials regarding User Content that you may have under any applicable law or under any legal theory.

(c) You may not create, post, store, or share any User Content for which you do not have all the rights necessary to grant us the license described above, and you represent and warrant that your User Content, and our use of such User Content as permitted by these Terms, will not violate any rights of any person or entity, including any third-party rights, or cause injury to any person or entity. You may not create, post, store, or share any User Content that:

  • Is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing, threatening, invasive of privacy or publicity rights, abusive, inflammatory, or fraudulent;
  • Would constitute, encourage, or provide instructions for a criminal offense, violate the rights of any party or otherwise create liability, or violate any local, state, national, or international law;
  • May infringe any patent, trademark, trade secret, copyright, or other intellectual or proprietary right of any party;
  • Contains or depicts any statements, remarks, or claims that do not reflect your honest views and experiences;
  • Impersonates, or misrepresents your affiliation with, any person or entity;
  • Contains any unsolicited promotions, political campaigning, advertising, or solicitations;
  • Contains any private or personal information of a third party without such third party’s consent;
  • Contains any viruses, corrupted data or other harmful, disruptive, or destructive files or content; or
  • In our sole judgment, is objectionable, restricts or inhibits any other person from using or enjoying our Services, or may expose OWLMI or others to any harm or liability of any type.

(d) Enforcement of this Section 7 is solely at OWLMI’s discretion, and failure to enforce this section in some instances does not constitute a waiver of our right to enforce it in other instances. This Section 7 does not create any right or private right of action on the part of any third party or any reasonable expectation that the Services will not contain any content that is prohibited by these Terms or that objectionable material will be promptly removed after it has been posted. For more information on our user content standards and expectations please see our User Generated Content Policy.

(e) We do not undertake to review all User Content, and we expressly disclaim any duty or obligation to undertake any monitoring or review of any User Content. Although we have no obligation to screen, edit, or monitor User Content, we may:

  • Delete or remove User Content or refuse to post any User Content at any time and for any reason with or without notice, including without limitation for any violations of applicable law or these Terms;
  • Terminate or suspend your access to all or part of the Services, temporarily or permanently, if your User Content is reasonably likely, in our sole determination, to violate applicable law or these Terms;
  • Take any action with respect to your User Content that is necessary or appropriate, in OWLMI’s sole discretion, to ensure compliance with applicable law and these Terms, or to protect Company’s rights, or to protect any third-party rights, including third-party intellectual property and privacy rights (e.g., providing information to copyright owners in furtherance of Digital Millennium Copyright Act takedown requests);
  • As permitted by law, cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any User Content on or through the Services.

8. Prohibited Conduct

(a) You will not use our Services if you are not eligible to use our Services in accordance with Section 1 and will not use our Services other than for their intended purpose. Further, you will not, in connection with our Services:

  • Violate any applicable law, contract, intellectual property right, or other third-party right or commit a tort;
  • Engage in any harassing, threatening, intimidating, predatory, or stalking conduct;
  • Use or attempt to use another user’s account or information without authorization from that user and OWLMI;
  • Impersonate or post on behalf of any person or entity or otherwise misrepresent your affiliation with a person or entity;
  • Sell or resell our Services;
  • Copy, reproduce, distribute, publicly perform, or publicly display all or portions of our Services, except as expressly permitted by us or our licensors;
  • Modify our Services, remove any proprietary rights notices or markings, or otherwise make any derivative works based upon our Services;
  • Use our Services in any manner that could interfere with, disrupt, negatively affect, or inhibit other users from fully enjoying our Services or that could damage, disable, overburden, or impair the functioning of our Services in any manner;
  • Reverse engineer any aspect of our Services or do anything that might discover or reveal source code, or bypass or circumvent measures employed to prevent or limit access to any part of our Services;
  • Use any data mining, robots, or similar data gathering or extraction methods designed to scrape or extract data from our Services except in accordance with instructions contained in our robot.txt file and only to compile for search results, provided that grants to the operators of public search engines permission to use spiders to copy materials from the Site for the sole purpose of (and solely to the extent necessary for) creating publicly available, searchable indices of such materials, but not caches or archives of such materials. OWLMI reserves the right to revoke such permission either generally or in specific cases, at any time and without notice;
  • Develop or use any applications or software that interact with our Services without our prior written consent;
  • Send, distribute, or post spam, unsolicited or bulk commercial electronic communications, chain letters, or pyramid schemes;
  • Use our Services for any illegal or unauthorized purpose, or engage in, encourage, or promote any activity that violates these Terms.

(b)Enforcement of this Section 8 is solely at OWLMI’s discretion, and failure to enforce this section in some instances does not constitute a waiver of our right to enforce it in other instances.

9. Promotions

Any sweepstakes, contests, raffles, surveys, games, or similar promotions (collectively, “Promotions”) made available through the Services may be governed by rules that are separate from these Terms. If you participate in any Promotions, please review the applicable rules as well as our Privacy Policy . If the rules for a Promotion conflict with these Terms, the Promotion rules will govern.

10. Payments

(a) General. We will facilitate payments for your use of our Services on our Site or App through our third-party payment service provider. By continuing to use our Services, you agree to be bound by these terms and the terms of our third-party payment service provider that may be modified from time to time. As a condition of receiving our Services, you agree to provide us with accurate, complete, and up-to-date payment information. You acknowledge that we do not perform payment processing services and is not a bank or other depository institution, a money transmitter, payment institution, or a money services business, and does not offer any banking, money transmission, or payment services.

(b) Payment Process. As a User using our Services, you understand and agree that your selected payment method will be charged in full for amounts you owe once your booking with a Professional is confirmed by the Professional. If the Professional does not confirm your booking within 24 hours of your booking request, a temporary hold placed on your selected payment method will be released. We may suspend or cancel your ability to make payments or refuse a refund request in our sole and absolute discretion, including in the event we find evidence of fraud, abuse, or unlawful or other behavior in violation of these Terms.

All payments and payment information and licensing information and validation for us are handled by a third-party payment service provider. We do not store your payment credentials; however, you acknowledge and agree that our third-party payment service provider may store your payment instrument information in accordance with their terms of service in order to process your payments.

(c) Subscriptions. The Services may allow you to purchase access to content on a subscription basis (a “Recurring Subscription”). When you opt in to enroll in a Recurring Subscription, you authorize us and our third-party payment service provider to charge your selected payment method automatically upon the renewal with no further action required by you. You will be charged no more than 24 hours prior to the start of the latest Recurring Subscription period. The length of your Recurring Subscription will be provided when you make a booking.

In the event that we are unable to charge your selected payment method as authorized by you when you enrolled in a Recurring Subscription, we may, in our sole discretion, terminate your Recurring Subscription and suspend your access to the booking series. If we cannot charge your payment method for any reason and you have not canceled the Recurring Subscription, you remain responsible for any uncollected amounts and we will attempt to charge the payment method, which may result in a change to the start of a Recurring Subscription period and the date on which you are billed for such period.

Your Recurring Subscription will automatically renew unless you cancel it. You may cancel your subscription by clicking on the cancellation button available on our Site or App, or by emailing us at contact@owlmi.com with the following template message:


I would like to cancel my subscription to (specify the service(s) you would like to cancel).

• Name:

• Account Number:

Thank you.”

You may cancel a Recurring Subscription at any time, but if you cancel your Recurring Subscription before the end of the current subscription period, we will not refund any fees already paid to the Professional and us. Following any cancellation, however, you will continue to have access to the applicable content through the end of your current subscription period.

Professionals may change prices charged for Recurring Subscriptions at any time. We will notify you of updated pricing in advance, electronically through our Site or App; provided, however, that the prices for your Recurring Subscription will remain in force for the duration of the subscription period for which you have paid. After that period ends, you will be charged at the then-current subscription price. If you do not agree to these price changes, you must cancel your Recurring Subscription at least 10 days before the changes take effect. If you do not cancel, your Recurring Subscription will automatically renew at the then-current price at the time of renewal and for the same duration as the initial subscription term, and we will charge your selected payment method on the first day of the renewal of the subscription term.

(d) Fees and Taxes. In connection with the use of our Services, you as a Professional agree to pay certain fees to us in commission. You as a Professional further acknowledge and agree that our third-party payment service provider may charge transaction fees, as applicable. You are responsible for all taxes associated with your use of our Services, other than taxes based on our net income.

(e) Refunds. All sales and fees are final once submitted and may not be cancelled or changed, except for errors as described in the Payment Disputes section herein or as otherwise described in our Refund Policy, subject to our review of your refund request, done on a case-by-case basis at our sole discretion.

(f) Payment Disputes. You agree that all requests for chargebacks, errors, claims, refunds, and disputes (“Payment Disputes”) will be subject to review by us, in our sole discretion, in accordance with the rules applicable to the payment method you used. We are not liable to you under any circumstances for Payment Disputes we are unable to resolve in your favor. We will process your valid written Payment Dispute request in accordance with our terms or otherwise applicable law as soon as practicable. You may file a Payment Dispute by emailing us at contact@owlmi.com. If you close or deactivate your account before we adjudicate your Payment Dispute, we may not be able to return any amounts you are owed. We will attempt to pay you any Payment Dispute amounts you are owed using the method with which you made the disputed payment, but we cannot guarantee that we will be able to do so if your payment method information is inaccurate, incomplete, cancelled or not available otherwise. We reserve the right to restrict or suspend your access to our Services if we determine that your account has been used to engage in deceptive, fraudulent, or illegal activity or your actions result, or are likely to result in a Payment Dispute, a violation of these terms, or create other risks to us or our third-party payment service provider.

11. Ownership; Limited License

The Services, including the text, graphics, images, photographs, videos, illustrations, and other content contained therein, and all intellectual property rights therein and thereto, are owned by OWLMI or our licensors and are protected under both United States and foreign laws. Except as explicitly stated in these Terms, all rights in and to the Services, including all intellectual property rights therein and thereto, are reserved by us or our licensors. Subject to your compliance with these Terms (including Sections 7 and 8), you are hereby granted a limited, nonexclusive, nontransferable, non-sublicensable, revocable license to access and use our Services for your own personal, noncommercial use and solely with respect to any applications included in the Services, install and use such application on a mobile or personal device that you own or control. Any use of the Services other than as specifically authorized herein, without our prior written permission, is strictly prohibited and will terminate the license granted herein and violate our intellectual property rights.

12. Trademarks

OWLMI, our trademarks, and our logos, product or service names, slogans, and the look and feel of the Services are trademarks of OWLMI and may not be copied, imitated or used, in whole or in part, without our prior written permission. All other trademarks, registered trademarks, product names, and company names or logos mentioned on or in connection with the Services are the property of their respective owners. Reference to any products, services, processes, or other information by trade name, trademark, manufacturer, supplier, or otherwise does not constitute or imply endorsement, sponsorship, or recommendation by us.

13. Feedback

You may voluntarily post, submit, or otherwise communicate to us any questions, comments, suggestions, ideas, original or creative materials, or other information about OWLMI or our Services (collectively, “Feedback”). You understand that we may use such Feedback for any purpose, commercial or otherwise, without acknowledgment or compensation to you, including to develop, copy, publish, or improve the Feedback or Services, or to improve or develop new products, services, or the Services in OWLMI’s sole discretion. OWLMI will exclusively own all improvements to, or new, OWLMI products, services, or Services based on any Feedback. You understand that OWLMI may treat Feedback as nonconfidential.

14. Repeat Infringer Policy; Copyright Complaints

(a) Our Policy. In accordance with the Digital Millennium Copyright Act (“DMCA”) and other applicable law, we have adopted a policy of terminating, in appropriate circumstances, the accounts of users who repeatedly infringe the intellectual property rights of others (our " DMCA Policy ").

(b)Reporting Claims of Copyright Infringement. If you believe that any content on our Services infringe any copyright that you own or control, you may notify OWLMI’s designated agent (your notification, a “ DMCA Notice ”) as follows:

Designated Agent: OWLMI c/o Alexander Sarnoff

Address: 100 S Cincinnati Ave, 5th Fl Tulsa, OK 74119

Telephone Number: 310-402-8699

Email Address: contact@owlmi.com

Please see Section 512(c)(3) of the DMCA for the requirements of a proper notification. If you fail to comply with all of the requirements of Section 512(c)(3) of the DMCA, your notice may not be effective. If you knowingly materially misrepresent that any activity or material on our Services is infringing, you may be liable to OWLMI for certain costs and damages.

15. Third-Party Content

(a) Our Services rely on or interoperate with third-party products and services, including, without limitation, data storage services, communications technologies, IoT platforms, third-party app stores, and internet and mobile operators (collectively, “Third-Party Materials”). These Third-Party Materials are beyond our control, but their operation may impact, or be impacted by, the use and reliability of our Services. You acknowledge that (a) the use and availability of the Services is dependent on third-party product vendors and service providers and (b) these Third-Party Materials may not operate reliably 100% of the time, which may impact the way that our Services operate.

(b)We may further provide information about or links to Professional and other third-party products, services, activities, or events, or we may allow third parties, including but not limited to Professionals, to make their content, advice, and information available on or through the Services (collectively, “Third-Party Content”). We provide Third-Party Content as a service to those interested in such content. Your dealings or correspondence with third parties and your use of or interaction with any Third-Party Content are solely between you and the third party.

(c) OWLMI is not involved in the conversations between you and the Professionals. You understand and acknowledge that OWLMI cannot and does not edit, modify, filter, screen, monitor, endorse or guarantee the content of calls. OWLMI shall not be liable for any acts or omissions of Professionals, content in Third-Party Content or the ability of Professionals to answer questions. We cannot ensure that a Professional will complete a transaction. Notwithstanding the foregoing, OWLMI reserves the right, but is not obligated, to refuse to post or to remove any content and/or remove your access to the Site.

(d) We have no obligation to monitor Third-Party Materials or Third-Party Content, and we may block or disable access to any Third-Party Materials or Third-Party Content (in whole or part) through our Services at any time. Your access to and use of such Third-Party Content or Third-Party Materials may be subject to additional terms, conditions, and policies applicable to such Third-Party Content (including terms of service or privacy policies of the providers of such Third-Party Materials). You are responsible for obtaining and maintaining any computer hardware, equipment, network services and connectivity, telecommunications services, and other products and services necessary to access and use the Services.


16. Indemnification

To the fullest extent permitted by applicable law, you will indemnify, defend, and hold harmless OWLMI and our officers, directors, agents, partners, and employees (individually and collectively, the “OWLMI Parties”) from and against any losses, liabilities, claims, demands, damages, expenses or costs (“Claims”) arising out of or related to (a) your access to or use of the Services; (b) your User Content or Feedback; (c) your violation of these Terms; (d) your violation, misappropriation, or infringement of any rights of another (including intellectual property rights or privacy rights); or (e) your conduct in connection with the Services. You will promptly notify OWLMI Parties of any third-party Claims, cooperate with OWLMI Parties in defending such Claims, and pay all fees, costs, and expenses associated with defending such Claims (including attorneys' fees). The OWLMI Parties will have control of the defense or settlement, at OWLMI's sole option, of any third-party Claims. This indemnity is in addition to, and not in lieu of, any other indemnities set forth in a written agreement between you and OWLMI or the other OWLMI Parties.

17. Disclaimers

Your use of our Services and any content or materials provided therein or therewith (including the Third-Party Content and Third- Party Materials) is at your sole risk. Except as otherwise provided in a writing by us and to the fullest extent permitted under applicable law, our Services, and any content or materials provided therein or therewith (including the Third-Party Content and Third-Party Materials) are provided “as is” and “as available” without warranties of any kind, either express or implied. OWLMI disclaims all warranties with respect to the foregoing, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. In addition, OWLMI does not represent or warrant that our Services or any content provided therein or therewith (including the Third-Party Content and Third-Party Materials) are accurate, complete, reliable, current, or error-free or that access to our Services or any content provided therein or therewith (including the Third-Party Content and Third-Party Materials) will be uninterrupted. While OWLMI attempts to make your use of our Services and any content provided therein or therewith (including the Third-Party Content and Third-Party Materials) safe, we cannot and do not represent or warrant that our Services or any content provided therein or therewith (including the Third-Party Content and Third-Party Materials) or our servers are free of viruses or other harmful components or content or materials. You assume the entire risk as to the quality and performance of the Services and any content provided therein or therewith (including the Third-Party Content and Third-Party Materials). All disclaimers of any kind (including in this section and elsewhere in these Terms) are made for the benefit of OWLMI, OWLMI Parties, and OWLMI’s respective shareholders, agents, representatives, licensors, suppliers, and service providers, as well as their respective successors and assigns.


18 Limitation of Liability

(a) To the fullest extent permitted by applicable law, OWLMI and the other OWLMI Parties will not be liable to you under any theory of liability—whether based in contract, tort, negligence, strict liability, warranty, or otherwise—for any indirect, consequential, exemplary, incidental, punitive, or special damages or lost profits, even if OWLMI or the other OWLMI Parties have been advised of the possibility of such damages.

(b) The total liability of OWLMI and the other OWLMI Parties for any claim arising out of or relating to these Terms or our Services, regardless of the form of the action, is limited to the greater of $500 or the amount paid by you to use our Services giving rise to the claim.

(c) The limitations set forth in this Section 18 will not limit or exclude liability for the gross negligence, fraud, or intentional misconduct of OWLMI or the other OWLMI Parties or for any other matters in which liability cannot be excluded or limited under applicable law. Additionally, some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations or exclusions may not apply to you.

19. Release

To the fullest extent permitted by applicable law, you release OWLMI and the other OWLMI Parties from responsibility, liability, claims, demands, and/or damages (actual and consequential) of every kind and nature, known and unknown (including claims of negligence), arising out of or related to disputes between users and the acts or omissions of third parties. If you are a consumer who resides in California, you hereby waive your rights under California Civil Code § 1542, which provides: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.”

20 Dispute Resolution; Binding Arbitration



(a) Informal Dispute Resolution Prior to Arbitration. For any dispute or claim that you have against OWLMI, that OWLMI has against you, or that you have or OWLMI has arising from or relating to these Terms, our Services, or any aspect of the relationship between you and OWLMI as relates to these Terms, our Services, including any privacy or data security claims, (collectively, “Claims”, and each a “Claim”), you and OWLMI agree to attempt to first resolve the Claim informally via the following process:

  • If you assert a Claim against OWLMI, you will first contact OWLMI by sending a written notice of your Claim (“Claimant Notice”) to OWLMI by certified mail addressed to OWLMI, 100 S Cincinnati Ave, Fl 5, Tulsa, OK 74119 or by email to contact@owlmi.com. The Claimant Notice must (i) include your name, residence address, email address, and telephone number; (ii) describe the nature and basis of the Claim; and (iii) set forth the specific relief sought.
  • If OWLMI asserts a Claim against you, OWLMI will first contact you by sending a written notice of OWLMI’s Claim (“OWLMI Notice”), and each of a Claimant Notice and OWLMI Notice, a “Notice”) to you via email to the primary email address associated with your account. The OWLMI Notice must (i) include the name of a OWLMI contact and the contact’s email address and telephone number; (ii) describe the nature and basis of the Claim; and (iii) set forth the specific relief sought.
  • If you and OWLMI cannot reach an agreement to resolve the Claim within thirty (30) days after you or OWLMI receives such a Notice, then either party may submit the Claim to binding arbitration as set forth below. The statute of limitations and any filing fee deadlines shall be tolled for thirty (30) days from the date that either you or OWLMI first send the applicable Notice so that the parties can engage in this informal dispute-resolution process.

(b) Claims Subject to Binding Arbitration; Exceptions. Except for individual disputes that qualify for small claims court, all Claims, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, that are not resolved in accordance with Section 20(a) will be resolved by a neutral arbitrator through final and binding arbitration instead of in a court by a judge or jury. Such Claims include, without limitation, disputes arising out of or relating to interpretation or application of this arbitration provision, including the enforceability, revocability, or validity of the arbitration provision or any portion of the arbitration provision. The arbitrator will have the authority to grant any remedy or relief that would otherwise be available in court.

(c) Federal Arbitration Act. These Terms affect interstate commerce, and the enforceability of this Section 20 will be substantively and procedurally governed by the Federal Arbitration Act, 9 U.S.C. § 1, et seq., to the extent permitted by law. As limited by the FAA, these Terms, and the AAA Rules, the arbitrator will have exclusive authority to make all procedural and substantive decisions regarding any dispute and to grant any remedy that would otherwise be available in court, including the power to determine the question of arbitrability.

(d) Arbitration Procedure (Consumers). All Claims must be submitted to the American Arbitration Association (the “AAA”) and will be resolved through binding arbitration before one arbitrator. The AAA administers arbitration pursuant to the due process standards set forth by the AAA and rules set forth by the AAA. Such rules are further described below:

  • If you are an individual using the Services for your personal use, you are a “Consumer”, and the then-current version of the AAA’s Consumer Arbitration Rules, which are available on the AAA’s website (adr.org), as amended by these Terms as follows, will apply to any arbitration between you and OWLMI:
    • YOU AND OWLMI AGREE THAT ANY ARBITRATION UNDER THESE TERMS WILL TAKE PLACE ON AN INDIVIDUAL BASIS; CLASS ARBITRATIONS AND CLASS ACTIONS ARE NOT PERMITTED, AND YOU AND OWLMI ARE AGREEING TO GIVE UP THE ABILITY TO PARTICIPATE IN A CLASS ACTION. The arbitrator may conduct only an individual arbitration and, except as described below for the additional procedures to govern if twenty-five (25) or more similar or coordinated claims are asserted against OWLMI or you by the same or coordinated counsel, may not consolidate more than one individual’s claims, preside over any type of class or representative proceeding, or preside over any proceeding involving more than one individual.
    • For any arbitration you initiate, you will pay the consumer filing fee, and OWLMI will pay the remaining AAA fees and costs. For any arbitration initiated by OWLMI, OWLMI will pay all AAA fees and costs.
    • For all arbitrations where the Claims asserted are $25,000 or less, the arbitration shall be resolved according to the AAA’s Procedures for the Resolution of Disputes through Document Submission, and for all other arbitrations the following procedure will apply: (i) the arbitrator will conduct hearings, if any, by teleconference or videoconference, rather than by personal appearances, unless the arbitrator determines upon request by you or by us that an in-person hearing is appropriate; (ii) any in- person appearances will be held at a location that is reasonably convenient to both parties with due consideration of their ability to travel and other pertinent circumstances, and (iii) if the parties are unable to agree on a location, such determination will be made by the AAA or by the arbitrator.
    • f you or OWLMI submits a dispute to arbitration and the arbitrator orders any exchange of information, you and OWLMI agree to cooperate to seek from the arbitrator protection for any confidential, proprietary, trade secret, or otherwise sensitive information, documents, testimony, and/or other materials that might be exchanged or the subject of discovery in the arbitration. You and OWLMI agree to seek such protection before any such information, documents, testimony, and/or materials are exchanged or otherwise become the subject of discovery in the arbitration.
    • The arbitrator’s decision will follow these Terms and will be final and binding. The arbitrator will have authority to award temporary, interim or permanent injunctive relief or relief providing for specific performance of these Terms, but only to the extent necessary to provide relief warranted by the individual claim before the arbitrator. The award rendered by the arbitrator may be confirmed and enforced in any court having jurisdiction thereof. Notwithstanding any of the foregoing, nothing in these Terms will preclude you from bringing issues to the attention of federal, state or local agencies and, if the law allows, they can seek relief against us for you.
  • The AAA Supplementary Rules for Multiple Case Filings and the AAA Multiple Consumer Case Filing Fee Schedule will apply if twenty-five (25) or more similar claims are asserted against OWLMI or against you by the same or coordinated counsel or are otherwise coordinated.
    • In addition to the application of the AAA Supplementary Rules for Multiple Case Filings and the AAA Multiple Consumer Case Filing Fee Schedule, you and OWLMI understand and agree that when twenty-five (25) or more similar claims are asserted against OWLMI or you by the same or coordinated counsel or are otherwise coordinated resolution of your or OWLMI’s Claim might be delayed.
    • For such coordinated actions, you and OWLMI also agree to the following coordinated bellwether process. Counsel for claimants and counsel for OWLMI shall each select ten (10) cases (per side) to proceed first in individual arbitration proceedings. The remaining cases shall be deemed filed for purposes of the statute of limitations but not for the purpose of assessing AAA fees. No AAA fees shall be assessed in connection with those cases until they are selected to proceed to individual arbitration proceedings as part of a bellwether process. If the parties are unable to resolve the remaining cases after the conclusion of the initial twenty (20) proceedings, each side shall select another ten (10) cases (per side) to proceed to individual arbitration proceedings as part of a second bellwether process.
    • A single arbitrator shall preside over each case. Only one case may be assigned to each arbitrator as part of a bellwether process unless the parties agree otherwise.
    • This bellwether process shall continue, consistent with the parameters identified above, until all the claims included in these coordinated filings, including your case, are adjudicated or otherwise resolved.
    • The statute of limitations and any filing fee deadlines shall be tolled for claims subject to this bellwether process from the time the first cases are selected for a bellwether process until the time your or OWLMI’s case is selected for a bellwether process, withdrawn, or otherwise resolved.
    • A court shall have authority to enforce this paragraph and, if necessary, to enjoin the mass filing or prosecution of arbitration demands against OWLMI or you.

(e) One Year to Assert Claims. To the extent permitted by law, any Claim by you or OWLMI relating in any way to these Terms, our Services, or any aspect of the relationship between you and OWLMI as relates to these Terms or our Services, must be filed within one year after such Claim arises; otherwise, the Claim is permanently barred, which means that you and OWLIM will not have the right to assert the Claim.

Opting Out of Arbitration. You have the right to opt out of binding arbitration within 30 days of the date you first accepted these Terms by providing us with notice of your decision to opt-out via email at contact@owlmi.com or by certified mail addressed to OWLMI, 100 S Cincinnati Ave, Fl 5, Tulsa, OK 74119. In order to be effective, the opt-out notice must include your full name, mailing address, and email address. The notice must also clearly indicate your intent to opt out of binding arbitration. By opting out of binding arbitration, you are agreeing to resolve disputes in accordance with Section 21.

(g) Rejection of Future Arbitration Changes. You may reject any change we make to Section 20 (except address changes) by personally signing and sending us notice within 30 days of the change via email at contact@owlmi.com or by certified mail addressed to OWLMI, 100 S Cincinnati Ave, Fl 5, Tulsa, OK 74119. If you do, the most recent version of Section 20 before the change you rejected will apply.

(h) Severability. If any portion of this Section 20 is found to be unenforceable or unlawful for any reason, including but not limited to because it is found to be unconscionable, (i) the unenforceable or unlawful provision will be severed from these Terms; (ii) severance of the unenforceable or unlawful provision will have no impact whatsoever on the remainder of this Section 20 or the parties’ ability to compel arbitration of any remaining claims on an individual basis pursuant to this Section 20; and (iii) to the extent that any claims must therefore proceed on a class, collective, consolidated, or representative basis, such claims must be litigated in a civil court of competent jurisdiction and not in arbitration. The litigation of those claims will be stayed pending the outcome of any individual claims in arbitration. Further, if any part of this Section 20 is found to prohibit an individual claim seeking public injunctive relief, that provision will have no effect to the extent such relief is allowed to be sought out of arbitration, and the remainder of this Section 20 will be enforceable.

21. Governing Law

Any Claims will be governed by and construed and enforced in accordance with the laws of the State of Delaware, except to the extent preempted by U.S. Federal Law, without regard to conflict of law rules or principles (whether of the State of Delaware or any other jurisdiction) that would cause the application of the laws of any other jurisdiction. If any Claim is not subject to arbitration pursuant to Section 20, then the state and federal courts located in the County of Tulsa, Oklahoma, will have exclusive jurisdiction. You and Owlmi waive any objection to venue in any such courts. If your local law requires that consumer contracts be interpreted subject to local law and enforced in the courts of that jurisdiction, this section may not apply to you only to the extent that local law conflicts with this section.

22. Modifying and Terminating Our Services

We reserve the right to modify our Services or to suspend or terminate providing all or part of our Services at any time; charge, modify, or waive any fees required to use the Services; or offer opportunities to some or all end users of the Services. We may provide you with notice in advance of the suspension or discontinuation of all or part of our Services, such as by sending an email or providing a notice through our Services. All modifications and additions to the Services will be governed by the Terms or Supplemental Terms, unless otherwise expressly stated by OWLMI in writing. You also have the right to stop using our Services at any time, and you may terminate these Terms by ceasing use of our Services. We are not responsible for any loss or harm related to your inability to access or use our Services.

23. Severability

If any portion of these Terms other than Section 20 is found to be unenforceable or unlawful for any reason, including but not limited to because it is found to be unconscionable, (a) the unenforceable or unlawful provision will be severed from these Terms; (b) severance of the unenforceable or unlawful provision will have no impact whatsoever on the remainder of these Terms; and (c) the unenforceable or unlawful provision may be revised to the extent required to render the Terms enforceable or valid, and the rights and responsibilities of the parties will be interpreted and enforced accordingly, so as to preserve the Terms and the intent of the Terms to the fullest possible extent.

24. Export Control

You are responsible for compliance with United States export controls and for any violation of such controls, including any United States embargoes or other federal rules and regulations restricting exports. You represent, warrant and covenant that you are not (a) located in, or a resident or a national of, any country subject to a U.S. government embargo or other restriction, or that has been designated by the U.S. government as a “terrorist supporting” country; or (b) on any of the U.S. government lists of restricted end users.

25. Miscellaneous

(a) OWLMI’s failure to exercise or enforce any right or provision of these Terms will not operate as a waiver of such right or provision. These Terms reflect the entire agreement between the parties relating to the subject matter hereof and supersede all prior agreements, representations, statements, and understandings of the parties. The section titles in these Terms are for convenience only and have no legal or contractual effect. Use of the word “including” will be interpreted to mean “including without limitation.” Except as otherwise provided herein, these Terms are intended solely for the benefit of the parties and are not intended to confer third-party beneficiary rights upon any other person or entity. Communications and transactions between us may be conducted electronically.

(b)If you have a question or complaint regarding the Services, please send an email to contact@owlmi.com. You may also contact us by writing to OWLMI, 100 S Cincinnati Ave, Fl 5, Tulsa, OK 74119, or by calling us at 310-402-8699. Please note that email communications will not necessarily be secure; accordingly, you should not include payment card information or other sensitive information in your email correspondence with us. Further, under California Civil Code Section 1789.3, California consumers are entitled to the following specific consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Boulevard, Suite N-112, Sacramento, California 95834, or by telephone at 1 (800) 952-5210.

26. Additional Terms Applicable to Mobile Devices

The following terms apply if you install, access, or use the Services on any device that contains the iOS mobile operating system (the “iOS App”) developed by Apple Inc. (“Apple”).

  • (a) Acknowledgement. You acknowledge that these Terms are concluded solely between us, and not with Apple. OWLMI, not Apple, is solely responsible for this iOS App and the content thereof. You further acknowledge that the usage rules for the iOS App are subject to any additional restrictions set forth in the Usage Rules for the Apple iOS App Store Terms of Service as of the date you download the App, and in the event of any conflict, the Usage Rules in the Apple iOS App Store will govern if they are more restrictive. You acknowledge that you have had the opportunity to review the Usage Rules.
  • (b) Scope of License. The license granted to you is limited to a non- transferable license to use the iOS App on any iPhone, iPod touch, iPad, or any other Apple device that you own or control as permitted by the Usage Rules set forth in the Apple iOS App Store Terms of Service.
  • (c) Maintenance and Support. You and OWLMI acknowledge that Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the App.
  • (d) Warranty. You acknowledge that Apple is not responsible for any product warranties, whether express or implied by law, with respect to the App. In the event of any failure of the iOS App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any, paid to Apple for the iOS App by you; and to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the App. The parties acknowledge that to the extent that there are any applicable warranties, any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any such applicable warranty would be the sole responsibility of OWLMI. However, OWLMI has disclaimed all warranties of any kind with respect to the App, and therefore, there are no warranties applicable to the App.
  • (e) Product Claims. You and OWLMI acknowledge that as between Apple and OWLMI, OWLMI, not Apple, is responsible for addressing any claims relating to the iOS App or your possession and/or use of the iOS App, including, but not limited to (a) product liability claims, (b) any claim that the iOS App fails to conform to any applicable legal or regulatory requirement, and (c) claims arising under consumer protection or similar legislation.
  • (f) Intellectual Property Rights. The parties acknowledge that, in the event of any third-party claim that the iOS App or your possession and use of the iOS App infringe that third party’s intellectual property rights, OWLMI, and not Apple, will be solely responsible for the investigation, defense, settlement and discharge of any such intellectual property infringement claim to the extent required under these Terms.
  • (g) Developer Name and Address. Any questions, complaints, or claims with respect to the iOS App should be directed to:

    OWLMI, Inc.

    100 S. Cincinnati Ave, Floor 5

    Tulsa, OK 74119


  • (h) Third-Party Terms of Agreement. You will comply with any applicable third-party terms when using the Services.
  • (i) Third-Party Beneficiary. Apple and its subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof.

The following terms apply if you install, access, or use the Services on any device that contains the Android mobile operating system (the “ Android App ”) developed by Google, Inc. (“Google”):

  • (j) You acknowledge that these Terms are between you and us only, and not with Google.
  • (k) Your use of our Android App must comply with Google’s then-current Android Market Terms of Service.
  • (l) Google is only a provider of the Android Market where you obtained the Android App. We, and not Google, are solely responsible for our Android App and the Services and content available thereon. Google has no obligation or liability to you with respect to our Android App or these Terms.
  • (m) Google is a third-party beneficiary to the Terms as they relate to our Android App.