Effective Date: 12th day of April 2026

PLEASE READ THE FOLLOWING CAREFULLY

The following terms of service (these "Terms of Service") govern your access to and use of LEMAR TECHNOLOGY GROUP services, including any content, functionality, and services offered on or through www.lemartechgroup.com (the "Site or website").
Please read the Terms of Service carefully before you start to use the site. By accessing, browsing, registering to use the Site, or Services or by clicking to accept or agree to the Terms of Service & our privacy policy when this option is made available to you, you acknowledge that you have read, understood, accepted, and agree to be bound and abide by these Terms of Service and our Privacy Policy, incorporated herein by reference. If you do not agree to these Terms of Use & Privacy Policy, do not use any portion of the Site or the Services. Failure to use the site in accordance with these Terms & Privacy Policy may subject you to civil and criminal penalties.
If you do not agree with all of the provisions of this agreement, you cannot use the Services. To remove any doubt, in the event of any conflict or discrepancy between these Terms and Conditions and any other provisions and/or terms and/or otherwise between you and us, the provisions and the terms of these Terms of Use will prevail. Please feel free to contact us with any questions regarding the content of this agreement.

1. ACCEPTANCE OF TERMS

These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you" or "your" or "user") and LEMAR TECHNOLOGY GROUP, ("LEMAR", "we", "us" or "our"), concerning your access to and use of www.lemartechgroup.com. You agree that by accessing the site, you have read, understood, and agree to be bound by the terms and conditions and Privacy Policy incorporated. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE, AND YOU MUST DISCONTINUE USE IMMEDIATELY.
In these Terms, "customers", "you", and "your" refer to the individual or entity that uses the Site or Services. "We", "us", or "our" refer to LEMAR. In addition, in these Terms, unless the context requires otherwise, words in one gender include all genders and words in the singular include the plural and vice versa.

2. USAGE/ ELIGIBILITY

You will use this site in a manner consistent with any applicable laws, legislation, rules, and regulations. If you violate any restrictions in these terms, you agree to indemnify LEMAR for any losses, costs, or damages, including reasonable legal fees, incurred by LEMAR in relation to, or arising out of, such a breach.

3. ABOUT LEMAR SERVICES

LEMAR provides consultation services and business credit-building solutions, including the following:

• Net30 Accounts:
We offer Net30 Accounts, which allow customers to make purchases on credit and pay within 30 days of the invoice date. All payment histories are reported to Experian Commercial to furnish information to businesses' credit profiles.

• Consultation services
Our consultation services include Life Coaching, Business Credit Coaching, and Multimedia Services (Graphic Design/Video Editing). All consultation services are eligible for approved Net30 accounts.

Disclaimer: We only provide recommendations or suggestions for our Life Coaching and Business Coaching services. LEMAR isn't responsible for any damages (financially, physically, or mentally) that customers incur as a result of their own decisions. It is the customer's responsibility to make the best choices for their individual situations. Furthermore, LEMAR isn't responsible for calculating the customers' business credit score and can't guarantee a specific credit score or outcome.

• Business Credit Starter Subscription:
Our Business Credit Starter Subscription service charges a monthly fee of $24.95. In return, we report your payments to Experian Commercial to help build business credit. The subscription service is auto-renewed monthly, and users may cancel at any time through their account dashboard.


We govern the listed services above by these Terms and other policies posted on the website. You acknowledge that our services are subject to the availability of the third-party bureaus and providers we partner with to report payment history.

4. CREDIT BUREAU REPORTING

As part of our commitment to helping businesses build credit, we report your payment history from Net30 Accounts and our Business Credit Starter to Experian Commercial. It is your responsibility to ensure timely payments to maintain a positive credit history. We are not responsible for how third-party credit bureaus calculate or manage your business credit score.

5. EXCLUSION OF LIABILITY FOR EXTERNAL LINKS

The website may contain links to third-party websites. LEMAR hereby explicitly declares that it has no influence on the layout or content of linked pages and dissociates itself expressly from all content of all linked pages of third parties. LEMAR shall not be liable for the use or content of Internet sites that link to this site or from which this site is linked. Our privacy and cookie notice does not apply to any collection and processing of your personal data on or through such external sites.

6. INTELLECTUAL PROPERTY

Unless otherwise indicated, the site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the site (collectively, the "Content") and the trademarks, service marks, and logos contained therein (the "Marks") are owned or controlled by us or licensed to us, and protected by copyright and trademark laws and various other intellectual property rights and unfair competition laws of the United States, foreign jurisdictions, and international conventions. The Content and the Marks are provided on the Site "AS IS" for your information and personal use only. Except as expressly provided in these Terms of Use, no part of the site and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.
Provided that you are eligible to use the site, we grant you a limited license to access and use the site and to download or print a copy of any portion of the content to which you have properly gained access solely for your personal, non-commercial use. We reserve all rights not expressly granted to you in and to the Site, the Content, and the Marks.

7. YOUR REPRESENTATIONS

By using the site, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update such registration information as necessary; (3) you have the legal capacity and you agree to comply with these Terms of Use (4) you are not under the age of 18; (5) you are not a minor in the jurisdiction of which you reside, or if a minor, you have received parental permission to use the site; (6) you will not access the site through automated or non-human means, whether through a bot, script, or otherwise; (7) you will not use the site for any illegal or unauthorized purpose and (8) your use of the site will not violate any applicable law or regulation.
If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any current or future use of the site (or any portion thereof).

8. ACCURACY, COMPLETENESS, AND TIMELINESS OF INFORMATION

We are not responsible if information made available on this site is not accurate, complete, or current. The material on this site is provided for general information only. It should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete, or timelier sources of information. Any reliance on the material on this site is at your own risk.
This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the content of this site at any time, but we have no obligation to update any information on it. You agree that it is your responsibility to monitor changes to our site, including these Terms of Service and the Privacy Policy.

9. ACCOUNT.

To create an account with LEMAR, you must first purchase the Business Credit Starter or apply for a Net30 Account. Your account is for your individual personal use only, and you may not authorize others to use your account for any purpose. In creating your account, you certify that all information you provide is complete and accurate. You agree to update your information when required or requested, and you further agree not to use another person's account without permission. You are responsible for maintaining the confidentiality of your account and password and restricting access to them. To maintain a secure environment, all personal accounts must use 2-step authentication, which you set up during your first login. You agree to accept sole responsibility for all activities that occur under your account or password. You agree to contact our customer service department immediately upon any breach of security or unauthorized use of your account or any violation of these Terms by others of which you are aware. You agree that we shall have no liability for any losses, damages, liabilities, or expenses you may incur due to any unauthorized use of your account, and you agree to indemnify us and hold us harmless for any such unauthorized use. We reserve the right to create accounts for quality control and administrative purposes. Such accounts may be publicly viewable.

10. PAYMENT AND BILLING SERVICES

(a) Accepted Payment Methods:

We accept the following payment methods for our services:

1. Credit Card Payments: You may use major credit cards to pay for services, including Visa, MasterCard, and American Express.
2. PayPal Payments: You may pay for services using PayPal, a secure third-party payment processor.
3. Net30 Billing: If we approve you for a Net30 Account, you will receive an invoice for your purchase, and you must make the full payment within 30 days from the invoice date.
4. Subscriptions (Stripe Payments): We automatically bill all subscription fees for our Business Credit Starter Subscription each month via the Stripe Payments platform. Your subscription will continue until you cancel it.

(b) Late Payments and Collection:

For Net30 Accounts, failure to make payments within the specified period may result in:

1. Late Fees: We will send three email notices regarding the unpaid balance and how to resolve it, within a 14-day grace period before the customer's invoice due date. After the grace period, we will begin imposing a 10% penalty fee on the unpaid balance each month the account is delinquent.
2. Suspension of Services: LEMAR reserves the right to suspend or terminate your access to our services until you clear all outstanding amounts. Customers are notified by email every two weeks about the steps to resolve their past-due balance and the date their account will be closed if left unresolved.
3. Negative Reporting: We are obligated to report all payment history accurately to Experian Commercial, including late or non-payments, which may negatively impact your business credit profile.

(c) Refunds:

All Net30 purchases and subscription fees are non-refundable unless otherwise stated. However, if you believe an error occurred with your billing, please email us at support@lemartechgroup.com within 14 days of the charge.

11. INDEMNIFICATION.

To the fullest extent permitted by applicable law, you agree to indemnify, defend and hold harmless LEMAR, and our respective past, present and future employees, officers, directors, contractors, consultants, equity holders, suppliers, vendors, service providers, parent companies, subsidiaries, affiliates, agents, representatives, predecessors, successors and assigns (individually and collectively, the "LEMAR Parties"), from and against all actual or alleged LEMAR Party or third party claims, damages, awards, judgments, losses, liabilities, obligations, penalties, interest, fees, expenses (including, without limitation, attorneys' fees and expenses) and costs (including, without limitation, court costs, costs of settlement and costs of pursuing indemnification and insurance), of every kind and nature whatsoever, whether known or unknown, foreseen or unforeseen, matured or unmatured, or suspected or unsuspected, in law or equity, whether in tort, contract or otherwise (collectively, "Claims"), including, but not limited to, damages to property or personal injury, that are caused by, arise out of or are related to (a) your use or misuse of the Sites, Content or Services, (b) any Feedback you provide, (c) your violation of these Terms, (d) your violation of the rights of another, (e) any third party's use or misuse of the Site or Services provided to you and (f) any User Content you create, post, share or store on or through the site or our pages or feeds on third party social media platforms. You agree to promptly notify LEMAR of any third-party Claims and cooperate with the LEMAR Parties in defending such Claims. You further agree that the LEMAR Parties shall have control of the defense or settlement of any third-party Claims. This indemnity is in addition to, and not instead of, any other indemnities outlined in a written agreement between you and LEMAR.

12. PROHIBITED USES

You may not access or use the site for any purpose other than that for which it is made available. The site may not be used for any commercial activities unless specifically endorsed or approved by us.

As a user of the site, you agree not to:

1. Make any unauthorized use of the site, including collecting usernames and/or email addresses of users by electronic or other means for the purpose of sending unsolicited email, or creating user accounts by automated means or under pretenses.
2. Circumvent, disable, or otherwise interfere with security-related features of the site, including features that prevent or restrict the use or copying of any Content or enforce limitations on the use of the site and/or the content contained therein.
3. Trick, defraud, or mislead other users or us, especially in any attempt to obtain sensitive account information, such as (but not limited to) user passwords.
4. Make improper use of our support services or submit false reports of abuse or misconduct.
5. Engage in any automated use of the system, such as using scripts to send comments or messages, or using any data mining, robots, or similar data gathering and extraction tools.
6. Interfere with, disrupt, or create an undue burden on the site or the networks or services connected to the site.
7. Attempt to impersonate another user or person, or use the username of another user.
8. Use any information obtained from the site to harass, abuse, or harm another person.
9. Decipher, decompile, disassemble, or reverse-engineer any software that comprises or in any way makes up a part of the site.
10. Attempt to bypass any measures of the site designed to prevent or restrict access to the site, or any portion of the site.
11. Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the site to you.
12. Delete the copyright or other proprietary rights notice from any Content.
13. Copy or adapt the site's software, including, but not limited to, Flash, PHP, HTML, JavaScript, and other code.
14. Upload or transmit (or attempt to upload or to transmit) viruses, Trojan horses, or other material, including excessive use of capital letters and spamming (continuous posting of repetitive text), that interferes with any party's functions, operation, or maintenance of the site.
15. Upload or transmit (or attempt to upload or to transmit) any material that acts as a passive or active information collection or transmission mechanism, including without limitation, clear graphics interchange formats ("gifs"), 1×1 pixels, web bugs, cookies, or other similar devices (sometimes referred to as "spyware" or "passive collection mechanisms" or pcms").
16. Except as may be the result of standard search engine or Internet browser usage, use, launch, develop, or distribute any automated system, including, without limitation, any spider, robot, cheat utility, scraper, or offline reader that accesses the site, or use or launch any unauthorized script or other software.
17. Disparage, tarnish, or otherwise harm, in our opinion, us and/or the site.
18. Use the site in a manner inconsistent with any applicable laws or regulations.
19. Use content without proper attribution
20. Use the content in a fashion that does not comply with the content's specific licensing

13. CHANGES

If LEMAR decides to change these general terms and conditions, we will post the changed terms and conditions on the website. We advise you to check whether they have changed regularly. Existing contracts will not be affected by such changes.

14. GOVERNING LAW AND JURISDICTION

These general terms and conditions governing the use of the website are hereby governed by, and construed and enforced in accordance with, the laws of Missouri. The competent courts in Missouri shall have the exclusive jurisdiction to resolve any dispute between you and LEMAR.