Centurion Creatives, LLC.

Terms and Conditions – LiNK Business Cards
Effective Date: November 1, 2024
Last Updated: May 19, 2026

1. Acceptance of Terms

By creating an account, accessing, or using the LiNK Business Card platform (“Platform”) operated by Centurion Creatives, LLC (“Centurion Creatives,” “we,” “us,” or “our”), you (“User,” “member,” or “you”) agree to be bound by these Terms and Conditions (“Terms”) and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these Terms, you must not access or use the Platform. If you are accepting these Terms on behalf of a business or other legal entity, you represent that you have the authority to bind that entity to these Terms.

You must be at least 18 years of age to use the Platform. By using the Platform, you represent and warrant that you meet this requirement.

2. Description of Services

LiNK Business Cards is a digital and physical business card platform that allows members to create, manage, and share professional profiles and contact information. Services include:

• Digital business card creation and hosting
• Profile management including file uploads (photos, résumés, documents)
• Card sharing via URL, QR code, Google Wallet and Apple Wallet
• Client Connect geolocation-based networking features
• Business account management tools for employers and their employees
• Analytics and profile engagement reporting via Looker Studio integration

We reserve the right to modify, suspend, or discontinue any feature of the Platform at any time with reasonable notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of services.

3. Account Registration and Security

To access the Platform, you must register for an account and provide accurate, complete, and current information. You agree to:

• Maintain the accuracy of your account information and update it as needed
• Keep your login credentials confidential and not share them with any third party
• Notify us immediately at support@centurioncreatives.com if you suspect unauthorized access to your account
• Accept responsibility for all activity that occurs under your account

We reserve the right to suspend or terminate accounts that contain false or misleading information, or that we reasonably believe have been compromised.

4. User Content and Intellectual Property

4.1 Ownership of Your Content

You retain full ownership of all content you upload to the Platform, including profile information, photos, résumés, documents, and other files (“User Content”). By uploading User Content, you grant Centurion Creatives a limited, non-exclusive, royalty-free, worldwide license to host, store, display, and transmit your User Content solely as necessary to provide the Platform services to you.

This license terminates when you delete your content or close your account, subject to our 90-day data retention policy described in Section 12 and our Privacy Policy.

4.2 Our Intellectual Property

The Platform, including its design, code, features, branding, and all content created by Centurion Creatives, is owned by Centurion Creatives, LLC and protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from any part of our Platform without our express written permission.

4.3 Prohibited Content

You agree not to upload or transmit content that:

• Is false, misleading, or impersonates any person or entity
• Infringes any third-party intellectual property, privacy, or other rights
• Contains malicious code, viruses, or other harmful components
• Violates any applicable law or regulation
• Is harassing, defamatory, obscene, or otherwise objectionable

We reserve the right to remove any User Content that violates these Terms without prior notice.

5. Card Sharing and Data Responsibility

The LiNK Platform is designed to facilitate the voluntary sharing of your professional contact information. By sharing your digital card with another person, you acknowledge and agree that:

• You are solely responsible for choosing which information appears on your public profile and what you share
• Once you share your card with a recipient, that recipient may store, save, or use your contact information in ways outside our control
• Centurion Creatives is not responsible or liable for how card recipients use, store, or distribute the contact information you choose to share
• You should only include information on your public profile that you are comfortable sharing with any person who receives your card

Profile visibility settings are your responsibility to maintain. We provide tools to control which fields are public or private, but the ultimate responsibility for your sharing decisions rests with you.

6. Business Accounts

6.1 Business Account Structure

The Platform offers business account features that allow employers (“Business Account Holders”) to register and manage employee profiles under a centralized account. Business accounts operate under a three-tier structure: super administrator (Centurion Creatives), Business Account Administrator (employer-designated), and employee members.

6.2 Business Account Administrator Rights

By accepting a business account invitation, employee members expressly consent to the following:

• Their Business Account Administrator may view their profile information as configured within the Platform
• Their Business Account Administrator may activate, deactivate, or modify certain account settings on their behalf
• Profile changes made by a Business Account Administrator will automatically update employee member information

6.3 Employer Responsibility

Business Account Holders are solely responsible for:

• Informing their employees about the nature of business account access prior to registration
• Ensuring their use of employee profile data complies with applicable employment laws and privacy regulations
• All actions taken by their designated Business Account Administrator

Centurion Creatives is not responsible for disputes between employers and employees arising from business account data access. Business Account Holders agree to indemnify and hold harmless Centurion Creatives from any claims arising from their administration of employee accounts.

6.4 Business Account Cancellation

Upon cancellation of a business account, employee member profiles will remain accessible to individual employees under their personal login credentials. Employee data will be retained and subsequently deleted in accordance with Section 12 (Data Retention) of these Terms.

7. Geolocation Features

The Client Connect feature uses your device’s geolocation data to facilitate proximity-based networking. By using Client Connect, you expressly consent to:

• The collection of precise geolocation data from your device at the time of use
• Transmission of your general location to facilitate a connection with a nearby card recipient

Geolocation data collected through Client Connect is used solely for the purpose of facilitating that specific connection event. It is processed in real time via Google Maps API and is not stored by Centurion Creatives beyond the active session. You may decline location access through your device settings, which will disable the Client Connect feature but will not affect other Platform features.

8. Subscriptions, Billing, and Cancellation

8.1 Subscription Plans

LiNK Business Cards is offered under tiered subscription plans as displayed on our pricing page at https://www.centurioncreatives.com/link. Features and pricing are subject to change with 15 days’ advance notice to current subscribers.

8.2 Billing and Auto-Renewal

Paid subscriptions are billed on the cycle displayed at checkout (monthly or annual). Subscriptions automatically renew at the end of each billing period unless cancelled before the renewal date. By providing payment information, you authorize Centurion Creatives to charge your payment method for all applicable fees.

8.3 Cancellation

You may cancel your subscription at any time through your account settings or by contacting support@centurioncreatives.com. Cancellation takes effect at the end of your current billing period. We do not provide refunds for partial billing periods, except as required by applicable law or as described in Section 8.4.

8.4 Refunds

Refunds may be issued at our discretion in the following circumstances:

• Duplicate charges or billing errors
• Service unavailability exceeding 72 consecutive hours due to platform failure on our part
• Cancellation within 7 days of initial subscription purchase (“cooling-off” period for new accounts)

Refund requests must be submitted to support@centurioncreatives.com within 30 days of the disputed charge.

8.5 Price Changes

We reserve the right to adjust subscription pricing. Current subscribers will receive 15 days’ advance written notice of any price increase before it takes effect on their account.

9. Physical Products — Metal Cards

9.1 Order Fulfillment

Metal card orders are custom-manufactured upon placement. Estimated fulfillment timelines are provided at checkout and are subject to change based on manufacturing and shipping conditions. Centurion Creatives is not responsible for delays caused by shipping carriers or circumstances outside our control.

9.2 Returns and Replacements

Because metal cards are custom-manufactured with your specific profile information, we do not accept returns due to a change of mind. We will provide a replacement or refund in the following circumstances:

• The card arrives damaged or defective
• The card contains a manufacturing error that differs from your submitted specifications
• The card is lost in transit (as confirmed by carrier tracking)

Replacement or refund requests must be submitted within 14 days of confirmed delivery (or expected delivery for lost shipments) with photographic evidence of damage or defect where applicable. Contact support@centurioncreatives.com to initiate a claim.

10. Prohibited Uses

You agree not to use the Platform to:

• Scrape, harvest, or collect contact information from other members’ profiles without their consent
• Send unsolicited commercial messages or spam to card recipients
• Impersonate any person or entity or misrepresent your affiliation
• Circumvent, disable, or interfere with security features of the Platform
• Use the Platform for any unlawful purpose or in violation of any applicable law or regulation
• Reverse engineer, decompile, or attempt to extract source code from the Platform
• Upload content that infringes third-party intellectual property rights
• Upload content that violates law or regulation
• Use automated tools to access the Platform without our express written permission

Violation of these prohibitions may result in immediate account termination and, where applicable, referral to law enforcement authorities.

11. Disclaimers and Limitation of Liability

11.1 Service Provided “As Is”

THE PLATFORM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

11.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CENTURION CREATIVES, LLC AND ITS OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE PLATFORM.

OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE PLATFORM SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO CENTURION CREATIVES IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00).

11.3 Third-Party Services

The Platform integrates with third-party services including Wix.com, Google Maps API, and Looker Studio. We are not responsible for the availability, accuracy, or practices of these third-party services. Your use of third-party services is subject to their respective terms and privacy policies.

12. Termination and Data Retention

12.1 Termination by You

You may close your account at any time through your account settings or by contacting support@centurioncreatives.com. Upon account closure, your subscription will be cancelled at the end of the current billing period and your data will be handled in accordance with Section 12.3.

12.2 Termination by Us

We reserve the right to suspend or terminate your account immediately and without prior notice if we determine, in our sole discretion, that you have violated these Terms, engaged in fraudulent activity, or pose a risk to the Platform or other users. We will make reasonable efforts to notify you of the reason for termination unless doing so would be prohibited by law or would compromise an investigation.

12.3 Effect of Termination — Data Retention

Upon account termination or closure:

• Your personal profile data and uploaded files will be deleted or anonymized within 90 days
• Your public digital card URL will be deactivated at the time of account closure
• Certain data may be retained beyond 90 days where required by applicable law or for legitimate business purposes including fraud prevention and financial record-keeping
• Backup copies of data may persist in encrypted form for up to an additional 30 days following the 90-day deletion window as part of our standard backup rotation

13. Indemnification

You agree to indemnify, defend, and hold harmless Centurion Creatives, LLC and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to:

• Your use of the Platform in violation of these Terms
• Your User Content
• Your violation of any applicable law or regulation
• Your violation of any third-party rights
• Any dispute between you and a card recipient or business account co-member

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Virginia, without regard to its conflict of laws principles. To the extent any dispute is resolved in court (pursuant to Section 15), the exclusive venue shall be the state or federal courts located in Henrico County or the Eastern District of Virginia, and you consent to personal jurisdiction in those courts.

15. Dispute Resolution

Please read this section carefully. It requires binding arbitration for most disputes and waives your right to participate in a class action lawsuit.

15.1 Informal Resolution First

Before initiating any formal dispute process, you agree to contact us at support@centurioncreatives.com with a written description of your dispute and the relief you are seeking. We will attempt to resolve the dispute informally within 30 days. If the dispute is not resolved within 30 days, either party may proceed to arbitration as described below.

15.2 Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Platform that is not resolved informally shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will be conducted by a single neutral arbitrator. The arbitrator’s decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

The arbitration will be conducted in Henrico County, Virginia, or by videoconference at the election of a consumer claimant. Virginia substantive law applies. For claims under $10,000 brought by individual consumers, Centurion Creatives will pay all AAA filing, administration, and arbitrator fees unless the arbitrator finds the claim frivolous.

15.3 Class Action Waiver

YOU AND CENTURION CREATIVES AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING. If a court finds this class action waiver unenforceable for a particular claim, that claim shall be severed and litigated in court while all other claims proceed through arbitration.

15.4 Opt-Out

You may opt out of the arbitration agreement by sending written notice to support@centurioncreatives.com with the subject line “Arbitration Opt-Out” within 30 days of first accepting these Terms. Opting out does not affect any other part of these Terms.

15.5 Exceptions

Notwithstanding the above, either party may seek injunctive or other equitable relief in court to prevent infringement of intellectual property rights or unauthorized access to the Platform. Claims that qualify for small claims court may also be brought there without arbitration.

15.6 Virginia Arbitration Fairness Act Notice

Effective July 1, 2026, arbitrations involving Virginia-connected transactions are subject to Virginia’s Arbitration Fairness Act (SB 227). We will comply with all applicable requirements of that Act, including timely payment of arbitration fees. Failure to pay arbitration fees within the required timeframe constitutes a material breach of this arbitration agreement.

16. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will notify you by email and by posting a prominent notice on the Platform at least 15 days before the changes take effect. The “Last Updated” date at the top of these Terms reflects the most recent revision.

Your continued use of the Platform after the effective date of any changes constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Platform and may request account closure and data deletion under Section 12.

Note: Changes to the arbitration provisions in Section 15 will not apply to disputes that arose before the change took effect.

17. General Provisions

Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect, and a court or arbitrator will substitute an enforceable provision that most closely reflects the original intent.

Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and Centurion Creatives regarding the Platform and supersede all prior agreements.

Assignment: You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights without restriction.

Force Majeure: Centurion Creatives shall not be liable for any failure or delay in performance caused by circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, internet outages, or third-party service failures

18. Contact Us

For questions about these Terms, to report a violation, or to exercise any rights described herein:

Centurion Creatives, LLC

Email: support@centurioncreatives.com

Website: https://www.centurioncreatives.com

We are a veteran-owned small business based in Greater Richmond, Virginia, and we are committed to operating with transparency and integrity.