Terms of Service

These Terms of Service ("Terms") govern your access to and use of Palm Build's website, communications channels, and property restoration, remediation, and construction-related services (the "Services"). By accessing our website, requesting an estimate, signing a work authorization, or otherwise engaging Palm Build ("Palm Build," "we," "us," or "our"), you agree to these Terms. If you are using the Services on behalf of a company, HOA, or other entity, you represent that you are authorized to bind that entity. If you do not agree, do not use the Services. PLEASE READ THESE TERMS CAREFULLY. THEY INCLUDE A BINDING INDIVIDUAL ARBITRATION PROVISION, A CLASS-ACTION WAIVER, A JURY-TRIAL WAIVER, AND LIMITATIONS ON OUR LIABILITY. THE ARBITRATION PROVISION INCLUDES A 30-DAY OPT-OUT RIGHT DESCRIBED BELOW.

You represent that you are at least 18 years old (or the age of majority in your jurisdiction), have the legal capacity to enter into a binding contract, and are not barred from using the Services under any applicable law. If you are entering into these Terms on behalf of an entity, you further represent that you have the authority to bind that entity.

Palm Build provides mitigation, restoration, remediation, cleanup, reconstruction, and related consulting and emergency response Services. Certain work may require permits, inspections, or third-party specialists. Emergency services may involve rapid decisions to prevent further damage; you authorize us to take reasonable steps to secure the site and limit loss when requested.

Estimates are based on conditions observed at the time of inspection and on information you provide. They are not guarantees of final price or completion date. Work begins after you sign a work authorization, contract, or similar approval. Unforeseen conditions, changes in scope, code requirements, or material availability may require change orders and adjusted pricing or timelines. You agree to review and approve change orders promptly to avoid delays.

Federal Cooling-Off Rule: Under the Federal Trade Commission's Cooling-Off Rule (16 C.F.R. Part 429), for sales of $25 or more made at your home or at a location other than our regular place of business, you have the right to cancel the transaction, without penalty or obligation, within three (3) business days from the date of the transaction. To cancel, sign and date one copy of the written cancellation notice we provide and mail or deliver it (or send it by email if we have provided an email address for cancellations) to Palm Build so that it is postmarked or received by midnight of the third business day after you sign the contract. Florida Home Solicitation Sales Act: For applicable Florida home-solicitation sales, you also have a three (3) business-day right to cancel under §501.021, Florida Statutes et seq. The written notice of cancellation form required by law will be provided with your contract. North Carolina and Other States: Similar cooling-off rights may apply under state law (for example, N.C. Gen. Stat. §§25A-38 through 25A-42). Nothing in these Terms limits any statutory right of rescission you may have under applicable law. Emergency Mitigation Waiver: Where you have requested emergency Services to prevent imminent additional damage to health, safety, or property (for example, water extraction, board-up, tarping, containment, source control, or biohazard response following a water, fire, storm, sewage, or similar loss), you may knowingly and voluntarily waive the cooling-off period in a signed written waiver so that mitigation can begin immediately. If you waive the cooling-off period, you understand that emergency Services will begin promptly and that you will be charged for Services actually performed even if you later cancel non-emergency portions of the project.

Palm Build is not an insurance carrier, public adjuster, or legal advisor. We may assist you in communicating with your insurer, but you remain responsible for deductibles, betterment, upgrades, code upgrades, depreciation, and any portion the insurer does not pay. By engaging us on an insured loss, you authorize us to share project information, photos, and invoices with your insurer and representatives. Your payment obligations to Palm Build are not contingent on insurer payment.

Palm Build does NOT require, request, or accept a post-loss assignment of insurance benefits ("AOB") as a condition of providing Services. You retain full ownership of your insurance claim, and Palm Build does not step into your shoes as the insured or become a party in interest to your policy. If you separately request an AOB arrangement and Palm Build agrees in writing to accept one, the AOB will be documented in a stand-alone agreement that complies with all applicable statutory requirements, including, for Florida property insurance policies, §627.7152, Florida Statutes (mandatory notices, itemized cost estimates, statutory cancellation rights, indemnity of the insured, and the fee-shifting provisions of §627.7152(10)). Absent such a signed, statute-compliant AOB, no assignment exists and none should be inferred from your work authorization, contract, or invoice.

You may authorize your insurer or lender to make claim payments payable jointly to you and Palm Build, or to remit Palm Build's portion of the claim proceeds directly to Palm Build, by signing a Direction to Pay. A Direction to Pay is a payment-routing instruction only. It is NOT an Assignment of Benefits. You remain the insured and the party in interest under your policy, retain the right to negotiate and settle your claim, and remain responsible for any amounts not paid by the insurer. Palm Build does not acquire the right to sue your insurer, appraise the loss, or otherwise assert your rights under the policy by virtue of a Direction to Pay.

Florida Construction Lien Law Notice — Required by §713.015, Florida Statutes: ACCORDING TO FLORIDA'S CONSTRUCTION LIEN LAW (SECTIONS 713.001-713.37, FLORIDA STATUTES), THOSE WHO WORK ON YOUR PROPERTY OR PROVIDE MATERIALS AND SERVICES AND ARE NOT PAID IN FULL HAVE A RIGHT TO ENFORCE THEIR CLAIM FOR PAYMENT AGAINST YOUR PROPERTY. THIS CLAIM IS KNOWN AS A CONSTRUCTION LIEN. IF YOUR CONTRACTOR OR A SUBCONTRACTOR FAILS TO PAY SUBCONTRACTORS, SUB-SUBCONTRACTORS, OR MATERIAL SUPPLIERS, THOSE PEOPLE WHO ARE OWED MONEY MAY LOOK TO YOUR PROPERTY FOR PAYMENT, EVEN IF YOU HAVE ALREADY PAID YOUR CONTRACTOR IN FULL. IF YOU FAIL TO PAY YOUR CONTRACTOR, YOUR CONTRACTOR MAY ALSO HAVE A LIEN ON YOUR PROPERTY. THIS MEANS IF A LIEN IS FILED YOUR PROPERTY COULD BE SOLD AGAINST YOUR WILL TO PAY FOR LABOR, MATERIALS, OR OTHER SERVICES THAT YOUR CONTRACTOR OR A SUBCONTRACTOR MAY HAVE FAILED TO PAY. TO PROTECT YOURSELF, YOU SHOULD STIPULATE IN THIS CONTRACT THAT BEFORE ANY PAYMENT IS MADE, YOUR CONTRACTOR IS REQUIRED TO PROVIDE YOU WITH A WRITTEN RELEASE OF LIEN FROM ANY PERSON OR COMPANY THAT HAS PROVIDED TO YOU A "NOTICE TO OWNER." FLORIDA'S CONSTRUCTION LIEN LAW IS COMPLEX, AND IT IS RECOMMENDED THAT YOU CONSULT AN ATTORNEY. North Carolina Lien Rights: For projects located in North Carolina, contractors, subcontractors, and material suppliers may have lien rights under Chapter 44A of the North Carolina General Statutes. A designated "Lien Agent" may be appointed for your project pursuant to N.C. Gen. Stat. §44A-11.1, and notices to the Lien Agent may be required to preserve lien rights. Ask us for the Lien Agent designation applicable to your project. Other Jurisdictions: For projects in other states we serve, applicable state lien laws may grant similar rights to contractors, subcontractors, and material suppliers. We encourage you to consult a qualified attorney if you have questions about lien rights applicable to your project.

You agree to provide safe access to the property, including keys or codes when needed, safe working conditions, and disclosure of known hazards (e.g., asbestos, electrical, structural, biological). You will secure pets and valuables and ensure utilities are available unless otherwise agreed. Work may be delayed by weather, permitting, inspections, material supply, or conditions outside our reasonable control; we are not liable for such delays.

Older Structures: Buildings constructed before 1978 may contain lead-based paint, and buildings constructed before approximately 1980 may contain asbestos-containing materials ("ACM"). Other structures may contain polychlorinated biphenyls (PCBs), mercury, silica, chlordane, or other regulated substances. Palm Build's standard scope does not include testing for or abatement of these materials unless expressly agreed in writing. Right to Stop Work: If, during the course of Services, Palm Build encounters or reasonably suspects the presence of asbestos, lead-based paint, PCBs, mold beyond expected scope, biohazards, or other hazardous or regulated materials, Palm Build may stop work in the affected area and require that testing, sampling, containment, and abatement be performed by an appropriately licensed specialist at your expense before Palm Build resumes work. Any delay resulting from such conditions is excused, and any additional cost will be handled by change order. EPA RRP Rule: For applicable renovation, repair, and painting work in pre-1978 target housing and child-occupied facilities, Palm Build performs work in accordance with the U.S. Environmental Protection Agency Renovation, Repair, and Painting ("RRP") Rule (40 C.F.R. Part 745, Subpart E), including required certifications, lead-safe work practices, and the "Renovate Right" pamphlet delivery. You agree to provide accurate information about the age and occupancy of the property and to sign required acknowledgments.

Palm Build performs mold remediation Services in a manner consistent with generally accepted industry standards, including the IICRC S520 Standard for Professional Mold Remediation and applicable state and federal guidance. Mold is a naturally occurring organism, and no remediation can guarantee complete elimination or that mold will not return. The industry-recognized goal of remediation is a return to a "normal fungal ecology" for the indoor environment, not sterility. Because mold growth depends on moisture, Palm Build cannot warrant against recurrence where the underlying moisture source has not been fully identified and corrected, where hidden building conditions exist, or where subsequent water intrusion, condensation, or humidity events occur. Palm Build does not provide medical advice or opinions on health effects, and you should consult a qualified medical professional for questions about health. If you wish, you may engage an independent Indoor Environmental Professional ("IEP") or Certified Industrial Hygienist ("CIH") to perform Post-Remediation Verification ("PRV") at your expense before reconstruction begins.

Palm Build warrants that labor for reconstruction Services will be performed in a professional and workmanlike manner and will be free from material defects in workmanship for a period of one (1) year from the date of substantial completion, unless a different warranty period is expressly stated in your signed contract, in which case the contract controls. During the warranty period, Palm Build will, at its option and as its sole obligation, repair or re-perform defective workmanship at no additional labor charge. Materials and manufactured products are warranted only to the extent of the manufacturer's warranty, if any, which is passed through to you without additional warranty from Palm Build. Palm Build will reasonably assist you in submitting manufacturer warranty claims when practical. The workmanship warranty does NOT cover: (a) pre-existing conditions or damage not caused by Palm Build; (b) hidden or latent defects not reasonably discoverable during the scope of work; (c) mold or moisture recurrence where the underlying moisture source persists or where new water intrusion occurs; (d) damage from acts of God, casualty, misuse, neglect, alteration, or normal wear and tear; (e) customer-supplied materials or work performed by others; (f) settlement, shrinkage, or minor cosmetic imperfections consistent with industry tolerances; (g) work performed on an emergency mitigation basis where finished aesthetics are not part of the scope; or (h) any project for which amounts due to Palm Build remain unpaid. THIS WORKMANSHIP WARRANTY IS EXCLUSIVE AND IN LIEU OF ALL OTHER WARRANTIES, EXPRESS OR IMPLIED.

Payment terms, deposits, and milestones will be stated in your authorization, contract, or invoice. Unless otherwise specified, payment is due upon receipt of invoice. Late balances may accrue interest or late fees as permitted by law, and Palm Build may suspend work for nonpayment. Credit card or digital payment convenience fees may apply and will be disclosed before processing. Title to materials may remain with Palm Build until paid in full.

You agree to receive communications related to Services via email, phone, and SMS/MMS text messages, including messages sent through our messaging platform provider (currently Twilio) and, where applicable, our AI chat and AI voice assistants. Message and data rates may apply. Message frequency varies and depends on your project, scheduling activity, and how you interact with us (for example, appointment confirmations, dispatch and arrival updates, callback requests, estimate and invoice notifications, emergency or safety alerts, and, if you have opted in, occasional service updates or promotions). You can opt out of marketing texts at any time by replying STOP; we may still send transactional, scheduling, or safety-related messages required to deliver Services you have requested. Reply HELP for help, or contact us at (888) 245-5155 or admin@palmbld.com. You consent to use of electronic signatures and records for authorizations, change orders, scheduling confirmations, and notices.

By providing your telephone number (including a wireless number) to Palm Build through our website, contact forms, chat, phone, email, in-person, or otherwise, you provide your PRIOR EXPRESS WRITTEN CONSENT under the Telephone Consumer Protection Act (47 U.S.C. §227 and its implementing regulations) and applicable state law for Palm Build and its authorized service providers (including its messaging platform provider, currently Twilio, and AI chat and AI voice assistants) to contact you at that number regarding Services, including for scheduling, dispatch, project updates, estimates, invoicing, emergencies, safety, follow-up, satisfaction inquiries, and, where you have not opted out, occasional marketing. You understand that such contact may be made using an automatic telephone dialing system, artificial or prerecorded voice, AI voice assistant, and/or SMS/MMS text messages. Consent to receive marketing calls or texts is NOT a condition of purchasing any goods or services from Palm Build. You may revoke this consent at any time using any reasonable method, including by replying STOP to a text message, telling any Palm Build representative to stop calling or texting a specific number, or emailing admin@palmbld.com with your request and the phone number(s) to be removed. Standard message and data rates may apply. Message frequency varies. Reply HELP for help.

Consent: Under the federal Electronic Signatures in Global and National Commerce Act ("E-SIGN," 15 U.S.C. §7001 et seq.), the Uniform Electronic Transactions Act ("UETA") as adopted in your state, and similar laws, you consent to receive and sign records, notices, disclosures, authorizations, work orders, change orders, invoices, cancellation notices, and other communications related to the Services in electronic form (for example, by email, PDF, web form, e-signature platform, or SMS link) instead of on paper, and you agree that electronic signatures have the same legal effect as handwritten signatures. Hardware and Software Requirements: To access and retain electronic records, you will need: (a) a device with internet access; (b) a current version of a common web browser (such as Chrome, Safari, Edge, or Firefox); (c) an active email account and the ability to receive and open PDF documents; and (d) sufficient storage or a printer to save or print records. If our requirements change materially, we will provide updated requirements. Right to Paper Copies: You may request a paper copy of any electronic record we have provided to you by contacting us at admin@palmbld.com or (888) 245-5155. We may charge a reasonable fee to cover the cost of producing and mailing paper copies where permitted by law. Withdrawing Consent: You may withdraw your consent to receive future records electronically at any time by emailing admin@palmbld.com with the words "Withdraw E-SIGN Consent." Withdrawal is effective only after we have had a reasonable opportunity to act on it and will not affect the legal effectiveness of records provided before withdrawal. Withdrawing consent may delay or prevent us from providing certain Services electronically. Updating Your Information: You agree to keep your contact information (including email and mobile number) current with Palm Build and to notify us promptly of any changes.

To serve you faster, some of our communications may be handled with the help of automated artificial intelligence ("AI") tools, including an AI chat assistant on our Website and an AI voice assistant on our phone lines. When you contact us, you may interact with one of these tools before or instead of a live team member. The AI voice assistant is used only for calls you place to us; we do not use it to place automated marketing or sales calls to you. These tools may answer questions, share information about our Services, help route your request, schedule or confirm appointments and callbacks, send related SMS/MMS updates, and record messages, including when our team is unavailable or after business hours. Interactions with our AI tools may be recorded, transcribed, and stored as described in our Privacy Policy. AI-generated responses are automated and provided for general information and convenience only. They may be incomplete or inaccurate, do not constitute professional, legal, or insurance advice, and do not create, modify, or confirm any contract, estimate, price, scope of work, or authorization. Any binding estimate, authorization, or agreement must be provided through our formal written channels and, where applicable, signed by you. You should not rely on an AI response as a substitute for confirmation from a Palm Build representative, and you may request to speak with a live team member at any time. To the fullest extent permitted by law, and subject to the "Warranties and Disclaimers" and "Limitation of Liability" sections below, we are not responsible for actions taken in reliance on AI-generated information.

Project Documentation: You authorize Palm Build to capture photos, videos, thermal imagery, moisture readings, measurements, drone imagery (where lawful), and other site data to document conditions, plan work, comply with safety requirements, and support invoicing or insurance communications. These records are part of Palm Build's project file and may be used internally for training, quality assurance, and defense of any claim. Marketing Use — Non-Identifiable: Palm Build may use de-identified project imagery and data (with no address, no exterior street view, no owner or occupant identifying information, and no other content that would reasonably identify your property) for marketing, portfolio, educational, and training purposes without further consent. Marketing Use — Identifiable: Palm Build will not use identifiable project imagery (including any exterior views that make your specific property identifiable, or content that names or depicts you) for external marketing without your prior written consent. You may grant or decline such consent, and you may revoke previously granted marketing consent at any time by emailing admin@palmbld.com; revocation is prospective only and does not require removal of materials already printed, published in third-party media, or embedded in insurance or legal records. Employee Training: Palm Build may always use project photos, videos, and data internally for employee training, quality assurance, safety, and legal defense purposes, regardless of any marketing-use revocation.

You represent and warrant to Palm Build that: (a) you are the owner of the property or you have full legal authority from the owner and any co-owners, HOA, landlord, or lender to authorize the Services and to allow Palm Build access; (b) you have disclosed all known hazards, prior losses, prior insurance claims, and existing liens, encumbrances, or code violations affecting the property that could reasonably affect the Services; (c) the insurance and claim information you have provided (including policy numbers, carrier, adjuster, and claim number) is accurate and complete to the best of your knowledge; (d) you have the legal capacity to enter into these Terms; and (e) you will cooperate reasonably to allow Palm Build to perform the Services. You will promptly notify Palm Build of any change in the foregoing.

You will use the website only for lawful purposes and will not attempt to damage, disable, overburden, or impair our systems; circumvent security; or scrape, copy, or harvest data without consent. You will provide accurate information in contact forms and refrain from sending malicious or fraudulent messages.

Palm Build Content: All content on the Palm Build website and all deliverables produced by Palm Build in the course of the Services — including text, images, videos, drone imagery, moisture maps, thermal imagery, sketches, drawings, scopes of work, Xactimate estimates, reports, brand marks, logos, trade dress, software, and any related work product (collectively, "Palm Build Content") — are and remain the exclusive property of Palm Build or its licensors and are protected by U.S. and international copyright, trademark, trade secret, and other intellectual property laws. Customer License: Subject to full payment for the Services and your compliance with these Terms, Palm Build grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to use project-specific deliverables solely for (a) your personal or internal business use in connection with the project, (b) submission to your insurance carrier or adjuster in support of your claim, and (c) submission to a lender, government authority, HOA, or professional advisor in connection with the property. You may not sell, redistribute, publish, license, exploit commercially, or use Palm Build Content to train any artificial-intelligence model, and you may not remove any proprietary notices. Trademarks: "Palm Build," the Palm Build logo, and other Palm Build names, marks, and taglines are trademarks of Palm Build. All other trademarks are the property of their respective owners. Use of Palm Build's trademarks without prior written permission is prohibited.

Any suggestions, ideas, feedback, testimonials, reviews, ratings, or referrals you provide to Palm Build (whether posted publicly, sent to us, or provided to third-party review platforms) are voluntary, non-confidential, and royalty-free. You grant Palm Build a perpetual, worldwide, irrevocable, sublicensable, and transferable license to use, reproduce, distribute, publish, display, and create derivative works of such feedback and testimonials — including your first name, last initial, city, state, and photo when provided — for any lawful purpose, including marketing, unless you specifically request otherwise in writing at the time of submission.

Palm Build respects the intellectual property rights of others. If you believe that content available on or through the Palm Build website infringes your copyright, please send a written notice under the Digital Millennium Copyright Act ("DMCA," 17 U.S.C. §512) to our designated Copyright Agent that includes: (a) a physical or electronic signature of a person authorized to act on behalf of the copyright owner; (b) identification of the copyrighted work claimed to have been infringed; (c) identification of the material that is claimed to be infringing, with information reasonably sufficient to permit us to locate it (such as a URL); (d) your contact information (name, address, telephone number, and email); (e) a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; and (f) a statement, under penalty of perjury, that the information in the notice is accurate and that you are authorized to act on behalf of the copyright owner. Designated Copyright Agent — Palm Build: Attn: DMCA / Copyright Agent 786 S Military Trail, Deerfield Beach, FL 33442 Email: admin@palmbld.com Phone: (888) 245-5155 Palm Build may terminate the accounts of repeat infringers in appropriate circumstances. Counter-notices may be submitted to the same address in the form required by 17 U.S.C. §512(g).

Palm Build is committed to making our website and digital experiences accessible to the widest possible audience, including people with disabilities. We work toward substantial conformance with the Web Content Accessibility Guidelines ("WCAG") 2.1 Level AA published by the World Wide Web Consortium ("W3C") and periodically review our site for accessibility. Accessibility is an ongoing effort, and portions of the site may not yet fully conform. If you have difficulty accessing any content, feature, or function on our website, or if you would like to request an accommodation, please contact us at admin@palmbld.com or (888) 245-5155 and describe the specific issue and the assistive technology (if any) you are using. We will make reasonable efforts to address the issue and provide the information or transaction you are seeking through an alternative accessible means. See our Accessibility Statement at /legal/accessibility for more detail.

Palm Build performs Services as an independent contractor. Nothing in these Terms or any related agreement creates a partnership, joint venture, employer-employee, agency, franchise, or fiduciary relationship between you and Palm Build, or between Palm Build and your insurer, adjuster, lender, HOA, or property manager. Neither party may bind the other or make representations on the other's behalf. Palm Build may use qualified employees, subcontractors, or specialty trades to perform portions of the Services (for example, electrical, plumbing, HVAC, roofing, abatement, or engineering work). Palm Build remains your primary point of contact and is responsible for the performance of its subcontractors. Palm Build subcontractors are bound by confidentiality and safety expectations consistent with these Terms.

Palm Build will perform Services in a professional and workmanlike manner consistent with industry standards. EXCEPT AS EXPRESSLY STATED IN A SIGNED CONTRACT OR IN THE "WORKMANSHIP WARRANTY" SECTION ABOVE, THE SERVICES AND WEBSITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. We do not guarantee that insurance will cover any portion of the work, that conditions will not recur where moisture or other underlying causes remain, or that Services will be uninterrupted or error-free.

To the maximum extent permitted by law, Palm Build will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, business, data, goodwill, use, or diminution in value, whether based in contract, tort (including negligence), strict liability, warranty, statute, or otherwise, and even if Palm Build has been advised of the possibility of such damages. Palm Build's total aggregate liability for any and all claims arising out of or related to the Services, the website, or these Terms will not exceed the greater of (a) the amounts you paid (or are owed) to Palm Build for the Services giving rise to the claim during the twelve (12) months before the event, or (b) five hundred dollars ($500). Some states do not allow certain exclusions or limitations, so portions of these limits may not apply to you; in those cases, our liability is limited to the fullest extent permitted by applicable law.

You agree to defend, indemnify, and hold harmless Palm Build and its officers, employees, subcontractors, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to your breach of these Terms, your negligence or willful misconduct, or your misuse of the Services or website.

Palm Build will not be liable for any failure or delay in performing the Services caused by events beyond its reasonable control, including without limitation: acts of God; hurricanes, tropical storms, tornadoes, named storms, wildfires, floods, earthquakes, and other severe weather or natural disasters; fire, explosion, or casualty; epidemic, pandemic, or public-health emergency (including declared quarantines and shelter-in-place orders); war, terrorism, riot, civil unrest, or sabotage; strikes, lock-outs, or labor disputes; government orders, embargoes, permitting delays, moratoria, or changes in law; supply-chain disruptions, material shortages, or price volatility; utility, telecommunications, internet, or power failures; cyber attacks, ransomware, denial-of-service events, or other information-security incidents; and any other event that could not have been reasonably foreseen or avoided ("Force Majeure Events"). During a Force Majeure Event, Palm Build's performance obligations are suspended for the duration of the event and for a reasonable period thereafter to allow for recovery. If a Force Majeure Event continues for more than sixty (60) days, either party may terminate the affected work by written notice without liability, subject to payment for Services actually performed and materials ordered.

Our website may contain links to third-party sites, and we may engage subcontractors or vendors to support the Services. We do not control and are not responsible for third-party content, products, services, or their privacy or security practices. Your dealings with third parties are solely between you and them.

We may suspend or terminate your access to the website or Services if you breach these Terms, fail to pay amounts due, or create unsafe conditions. Termination does not relieve you of any accrued obligations, including payment for Services performed and materials ordered.

The following provisions survive any expiration or termination of these Terms or your engagement of the Services and remain in full force and effect: Insurance Claims and Authorizations; Assignment of Benefits (AOB) Disclosure; Direction to Pay; Construction Lien Notices; Payments and Billing; Workmanship Warranty; Communications and Electronic Records; TCPA Consent; E-SIGN and UETA Consent; Photos, Video, Site Data, and Marketing Consent; Intellectual Property; Feedback, Reviews, and Testimonials; Warranties and Disclaimers; Limitation of Liability; Indemnification; Binding Arbitration and Class Action Waiver; Governing Law and Venue; Notices; Assignment; and Miscellaneous — together with any other provision that by its nature is intended to survive.

Please Contact Us First: If you are unhappy with any aspect of the Services, please contact Palm Build directly first so we have a reasonable opportunity to investigate and cure the issue. Send written complaints to admin@palmbld.com or 786 S Military Trail, Deerfield Beach, FL 33442, Attn: Customer Care, describing the project, the nature of the concern, and the resolution you are seeking. We will acknowledge complaints promptly and work in good faith toward resolution. Regulatory Contacts: Florida — Consumers may contact the Florida Department of Business and Professional Regulation, Construction Industry Licensing Board (CILB), 2601 Blair Stone Road, Tallahassee, FL 32399-0783; phone (850) 487-1395; www.myfloridalicense.com. General consumer complaints may also be filed with the Florida Department of Agriculture and Consumer Services (FDACS), 1-800-HELP-FLA, or the Office of the Florida Attorney General at myfloridalegal.com. North Carolina — Consumers may contact the North Carolina Licensing Board for General Contractors, 5400 Creedmoor Road, Raleigh, NC 27612; phone (919) 571-4183; www.nclbgc.org. General consumer complaints may also be filed with the North Carolina Department of Justice Consumer Protection Division at ncdoj.gov. Other States: For projects in other states, consumers may contact the applicable state contractor licensing board and consumer-protection office. Palm Build will provide contact information for the applicable jurisdiction upon request. These regulatory contacts are informational only and do not modify or waive any provision of these Terms, including the Binding Arbitration and Class Action Waiver section.

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS. Agreement to Arbitrate: Except as provided below, you and Palm Build agree that any dispute, claim, or controversy arising out of or relating in any way to the Services, the website, the AI chat and voice assistants, SMS/MMS communications, marketing, these Terms, or the relationship between us — whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory, and whether the claims arose before, on, or after the date you accepted these Terms — will be resolved exclusively by BINDING INDIVIDUAL ARBITRATION and not in court. This agreement is governed by the Federal Arbitration Act (9 U.S.C. §§1-16) ("FAA") and evidences a transaction involving interstate commerce. Class Action Waiver: YOU AND PALM BUILD 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, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE PROCEEDING. Further, unless both you and Palm Build agree otherwise in writing, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding. Jury Trial Waiver: YOU AND PALM BUILD WAIVE ANY RIGHT TO A TRIAL BY JURY IN ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES. Arbitration Rules and Forum: The arbitration will be administered by the American Arbitration Association ("AAA") under the AAA Consumer Arbitration Rules (or, for non-consumer disputes, the AAA Commercial Arbitration Rules), as modified by these Terms. The rules are available at www.adr.org. The arbitration will be conducted by a single neutral arbitrator, seated in Broward County, Florida, unless applicable consumer-protection law requires the arbitration to be seated in your county of residence, in which case the arbitration may be conducted in your county of residence, by telephone, or by videoconference at your option. Fees: Palm Build will pay AAA filing, administration, and arbitrator fees for consumer claims in accordance with the AAA Consumer Arbitration Rules, except that if the arbitrator finds that the substance of your claim or the relief sought was frivolous or brought for an improper purpose, then payment of such fees will be governed by the AAA rules. Small-Claims Carve-Out: Either party may bring an individual action in a small-claims court of competent jurisdiction, in the county where you reside or where the project was located, so long as the action remains in that court and is not removed or appealed to a court of general jurisdiction. Injunctive Relief Carve-Out: Notwithstanding this arbitration agreement, either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights, confidential information, or trade secrets, or to enforce the class-action waiver. Opt-Out Right: You may opt out of this Binding Arbitration and Class Action Waiver section by sending a written notice of your decision to opt out to admin@palmbld.com with the subject line "Arbitration Opt-Out," or by mail to Palm Build, Attn: Legal — Arbitration Opt-Out, 786 S Military Trail, Deerfield Beach, FL 33442, so that it is received (or postmarked) within thirty (30) days after the date you first accepted these Terms (or, if these Terms are later materially amended in a way that changes this section, within thirty (30) days after the effective date of the amendment). Your opt-out notice must include your full name, address, phone number, email, and a clear statement that you do not wish to resolve disputes with Palm Build through arbitration. Opting out will not affect any other provision of these Terms. Survival and Severability: This Binding Arbitration and Class Action Waiver section survives any termination of your use of the Services. If the class-action waiver is found to be unenforceable in any proceeding, then the entirety of this Binding Arbitration and Class Action Waiver section (except the jury trial waiver) will be null and void as to that proceeding, and the claims will proceed in court, but no class, collective, or representative proceeding may be maintained in arbitration.

These Terms, and any dispute arising out of or relating to these Terms or the Services, are governed by the laws of the State of Florida, without regard to conflict-of-laws rules, and, where applicable, by the Federal Arbitration Act. Subject to the Binding Arbitration and Class Action Waiver section above, any action that is not required to be arbitrated (for example, small-claims actions or injunctive-relief actions) will be brought exclusively in the state or federal courts located in Broward County, Florida, and you consent to their jurisdiction and venue and waive any objection based on inconvenient forum.

Notices to You: Palm Build may provide notices to you by email to the address you have most recently provided, by SMS/MMS to the phone number you have most recently provided, by posting on the website, by first-class or certified U.S. mail, or by any other means reasonably calculated to reach you. Notices to Palm Build: You must provide any formal legal notice to Palm Build in writing, sent by certified U.S. mail (return receipt requested) or by nationally recognized overnight courier, to: Palm Build Attn: Legal 786 S Military Trail Deerfield Beach, FL 33442 with a courtesy copy to admin@palmbld.com. Notices are effective on receipt (or, for certified mail, on the date of the return receipt).

You may not assign, delegate, or transfer these Terms or any of your rights or obligations under them, in whole or in part, by operation of law or otherwise, without Palm Build's prior written consent. Any purported assignment without consent is void. Palm Build may assign or transfer these Terms, in whole or in part, without restriction, including to an affiliate or in connection with a merger, acquisition, reorganization, or sale of all or substantially all of its assets or business.

Entire Agreement: These Terms, together with any signed contract, work authorization, change order, and the Palm Build Privacy Policy, constitute the entire agreement between you and Palm Build regarding the Services and website and supersede all prior or contemporaneous agreements, representations, and understandings on that subject. Order of Precedence: In the event of a conflict between these Terms and a signed contract, work authorization, or change order for a specific project, the signed project document controls for that project. Severability: If any provision of these Terms is held to be unenforceable, the remaining provisions will remain in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to be enforceable while preserving its intent. No Waiver: Palm Build's failure to enforce any provision of these Terms will not constitute a waiver of that provision or of any other provision, and no waiver will be effective unless in writing signed by an authorized Palm Build representative. Headings; Interpretation: Section headings are for convenience only and do not affect interpretation. "Including" means "including without limitation." Counterparts and Electronic Delivery: Any related contract or authorization may be executed in one or more counterparts, each of which is deemed an original, and delivery by electronic means (including email, PDF, or e-signature platform) has the same effect as delivery of an original. Third-Party Beneficiaries: Except as expressly stated, these Terms do not create any third-party beneficiary rights. Relationship to Other Palm Build Policies: These Terms incorporate by reference the Palm Build Privacy Policy, SMS Terms, AI Disclosure, and Accessibility Statement, each as posted on the Palm Build website and updated from time to time.

We may update these Terms from time to time. The "Last Updated" date reflects the latest revision. Material changes will be communicated by a prominent notice on our website or by other reasonable means. Continued use of the Services after changes become effective constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Services.

If you have questions about these Terms or a specific project, please contact us: Phone: (888) 245-5155 | FL: (754) 600-3369 | NC: (704) 464-0121 Email: admin@palmbld.com Mail: 786 S Military Trail, Deerfield Beach, FL 33442