Terms and Limitations

Avernic is operated by Shield Analytics LLC, a Florida limited liability company.

In these Terms, “Avernic,” “we,” “us,” and “our” mean Shield Analytics LLC.

These Terms govern your use of the Avernic site and services. Before submitting a Free Privacy Checkup, public access request, or paid order that requires legal acceptance, you will be asked to take an affirmative action agreeing to the Terms presented for that activity and acknowledging receipt of the Privacy Policy. The Free Privacy Checkup also requires acknowledgment of the Assessment Data Notice. Any optional marketing or comparison-notification consent will be requested separately.

If you do not agree, do not submit the request or complete the purchase.

Avernic records the applicable legal-consent bundle or product-specific document versions associated with a submission or order, together with the submission or order record and timestamp. The Terms and Privacy Policy versions accepted for a paid purchase govern that purchase.

You must be legally capable of entering into a binding agreement.

The Free Privacy Checkup is an educational service for people who:

• are at least 18 years old;
• are located in the United States; and
• use the service for personal or household purposes.

The Checkup uses structured answers to generate an educational preview of possible privacy priorities, capability gaps, and subscription overlap.

Avernic may also accept requests for founding access, private pilots, or future products. An access request does not guarantee acceptance, product availability, delivery, or a particular price.

Avernic may offer paid products from time to time. The binding product name, price, included deliverable, eligibility requirements, expected delivery timing, access method, access duration, and material access limits will be shown before payment.

Descriptions of products that are not yet publicly available are informational only. They do not guarantee that a product will be released, remain available, include a particular feature, or be offered at a particular price.

Each paid Avernic product is a standalone, one-time purchase unless the product description presented before payment expressly says otherwise.

A one-time purchase does not automatically renew and is not a subscription.

Unless the product description expressly states otherwise, one purchase includes one report. It does not include:

• continuous monitoring;
• hands-on implementation;
• access to or management of third-party accounts;
• cancellation of third-party subscriptions;
• data-removal submissions;
• continuing advice;
• a scheduled reassessment;
• a follow-up review;
• future updates after third-party products or policies change; or
• a replacement report after a stated period.

No upgrade credit is promised unless it is expressly offered before payment.

Before payment, Avernic will show:

• the product name;
• the amount charged;
• any applicable taxes or mandatory fees included in or added to that amount;
• the included deliverable;
• any material eligibility requirements;
• the expected delivery timing;
• the access method; and
• the access duration and any material access limits.

A purchase cannot proceed unless those details are presented.

Product-specific terms shown and accepted at checkout are incorporated into these Terms. They control with respect to the specific product detail they address. No product-specific term may reduce the refund rights stated in Section 4.

A report is considered delivered when working access to the report is made available and delivery notice is sent to the email address supplied for the purchase.

A report is not considered delivered while the report or access method is unusable because of an Avernic-controlled technical failure.

You are responsible for supplying an accurate email address and maintaining access to it. Contact Avernic promptly if delivery fails or access is broken.

Use your personalized plan. If you do not believe it delivered at least as much value as you paid, request a full refund within 30 days of delivery.

To request a refund, email hello@avernicprivacy.com within 30 days of delivery using the email address associated with the purchase.

Avernic may request only the additional information reasonably necessary to locate and verify the purchase.

The refund applies to the amount paid to Avernic. It does not cover purchases made from third parties.

Avernic is not required to issue a duplicate refund for an amount that has already been refunded, reversed, credited, or recovered through a chargeback.

If you report a material Avernic error, Avernic will handle the issue under this refund policy. A purchase does not include a corrected, revised, updated, follow-up, or replacement report.

Nothing in this section limits a nonwaivable consumer right provided by applicable law.

Avernic provides educational privacy planning and decision support based on:

• information supplied by participants;
• structured methodology;
• available product and service information;
• dated evidence;
• documented assumptions; and
• human review when expressly included in the product.

Avernic does not provide:

• legal advice;
• tax advice;
• investment advice;
• individualized financial advice;
• insurance advice;
• managed cybersecurity services;
• professional security assessments;
• penetration testing;
• incident response;
• emergency services;
• identity monitoring;
• identity-theft remediation;
• data-removal services; or
• hands-on implementation or account-management services.

Avernic does not access third-party accounts, log in to services, cancel subscriptions, submit removal requests, monitor devices or accounts, manage passwords, or take action on your behalf unless a future product expressly states otherwise in terms presented before purchase.

Use of Avernic does not create an attorney-client, accountant-client, fiduciary, agency, or other regulated professional-client or continuing advisory relationship.

Avernic does not guarantee:

• privacy;
• anonymity;
• security;
• savings;
• compatibility;
• successful removal;
• prevention of identity theft;
• availability of a third-party service; or
• any particular outcome.

Third-party products, prices, terms, and features may change after Avernic researches them or after a result or report is prepared.

You remain responsible for confirming material facts before making an irreversible or consequential decision. This includes:

• current pricing;
• renewal dates;
• cancellation effects;
• recovery methods;
• compatibility;
• data-export availability;
• migration requirements;
• household dependencies; and
• current third-party terms.

A conditional, incomplete, uncertain, or VERIFY result identifies a fact that has not been confirmed and should not be treated as a final instruction.

Provide information that is accurate to the best of your knowledge.

Do not submit:

• passwords or authentication credentials;
• passkey private keys, authentication exports, device-bound authentication secrets, or similar credential material;
• recovery codes;
• biometric identifiers or biometric templates;
• precise real-time geolocation;
• government identifiers;
• identity documents;
• full financial account numbers;
• full payment-card numbers;
• card security codes;
• exact home addresses;
• device serial numbers;
• private account identifiers;
• authentication secrets;
• unnecessary employer-sensitive information; or
• another person’s private information without lawful authority.

You may provide information about a spouse, household member, or another person only when you have lawful authority and any permission required to do so.

Do not use Avernic:

• for an emergency or active security incident;
• as a substitute for professional incident response;
• for enterprise or employer-directed security assessments;
• to facilitate crime, fraud, harassment, stalking, abuse, or unauthorized surveillance;
• to investigate another person without authority;
• to obtain unauthorized access;
• to evade legal obligations or platform protections;
• to interfere with the site or its security;
• to introduce malicious code;
• to conduct automated scraping, scanning, or testing without written permission;
• to impersonate another person; or
• in a manner that violates law or third-party rights.

Avernic may restrict or suspend access when reasonably necessary to prevent abuse, protect users or systems, comply with law, or investigate a credible security concern.

Suspension or restriction does not eliminate an applicable refund right.

You retain any rights you have in the factual information you submit.

You authorize Avernic to process submitted information as reasonably necessary to:

• provide the service you requested;
• prepare and review a result or report;
• respond to support, refund, privacy-data correction, or deletion requests;
• operate and secure the service;
• perform limited quality assurance;
• comply with law; and
• carry out the purposes described in the Privacy Policy.

You represent that you have the right to provide the information you submit.

Avernic does not obtain ownership of your underlying personal information merely because you submit it.

Avernic may use structured rules, deterministic logic, templates, software-assisted processing, and human review to prepare results and reports.

Avernic does not currently send assessment answers or report content to an external AI-model provider or use that content to train an AI model.

Current practices are described in the Privacy Policy.

Avernic will update the applicable notice before beginning a materially different use and will obtain consent where required.

This section does not restrict Avernic’s use of synthetic test data that does not contain, reproduce, or derive from participant information.

The use of automated or software-assisted processing does not change the educational nature or limitations of the service.

Avernic handles personal information as described in the Privacy Policy.

By supplying an email address, you consent to receive electronic communications reasonably related to your activity, including:

• submission confirmations;
• access links;
• receipts;
• delivery notices;
• security notices;
• support responses;
• refund communications;
• privacy-request responses; and
• legally required notices.

Transactional communications are not marketing consent.

Marketing communications are sent only when separately authorized. Marketing consent may be withdrawn as described in the Privacy Policy or the communication.

You agree that electronic records, notices, disclosures, and signatures may satisfy legal requirements that they be in writing, to the extent permitted by law.

You are responsible for maintaining access to the email address associated with a submission or purchase and for reviewing applicable spam or filtering settings.

The Free Privacy Checkup may display a structured result or preview.

A browser print or save function may allow you to print the page or save a PDF locally on your device.

Avernic does not generate, receive, host, control, or retain a file created locally through your browser. Avernic may retain the underlying submitted information as described in the Privacy Policy.

You are responsible for securing any local copy you create.

Customer accounts, persistent hosted reports, hosted downloads, server-generated files, and similar access features are available only when expressly offered in the applicable product description. The applicable access method, duration, and material limitations will be disclosed before payment.

Avernic will update the Privacy Policy before beginning a materially different server-side storage, account, or report-access practice.

A product includes human review only when the product description expressly says that it does.

Where human review is included, Avernic conducts that review as a quality-control step.

Human review does not create a professional advisory, fiduciary, agency, confidential-adviser, or continuing service relationship.

Quality control does not guarantee that all participant-supplied facts are complete or that all recommendations will remain current after delivery.

Third-party products and services control their own:

• availability;
• features;
• prices;
• trial terms;
• renewal terms;
• compatibility;
• data practices;
• refund policies;
• product claims; and
• legal terms.

Avernic does not control third-party products and is not responsible for their performance, security, availability, or conduct.

Product names may be used as examples or for comparison. Plan-specific claims should be supported by reviewed evidence, but you should verify current vendor terms before acting.

Some links may be identified as affiliate or referral links. Avernic may receive compensation when an eligible user follows such a link or completes a transaction.

Affiliate status, commission amount, and commercial availability do not determine recommendation eligibility, ranking, confidence, priority, or order.

When a recommendation or link involves a material commercial relationship, Avernic will also provide a clear and conspicuous disclosure near the relevant recommendation or link. The general Affiliate Disclosure supplements, but does not replace, that point-of-decision disclosure.

Additional information appears in Avernic’s Affiliate Disclosure.

When you leave the Avernic site, the third party’s terms and privacy practices apply.

Except for third-party names, trademarks, facts, source materials, and content, Avernic’s original:

• written expression;
• software;
• report templates;
• graphics;
• visual design; and
• branding

are owned by or licensed to Shield Analytics LLC and are protected by applicable law.

Avernic does not claim ownership of third-party facts, product information, public guidance, or ideas that are not legally protectable.

Third-party names and marks remain the property of their respective owners. Their appearance does not imply sponsorship or endorsement unless expressly stated.

Subject to these Terms, a purchaser receives a limited, personal, nonexclusive, nontransferable, and non-sublicensable license to use a purchased report for personal or household purposes.

You may privately share a report with:

• household members addressed by the report;
• a lawyer, accountant, financial professional, insurer, or other adviser assisting you; or
• another person assisting with implementation.

You may not, without written permission:

• resell a report;
• commercially distribute a report;
• publicly republish a report as your own work;
• systematically reproduce Avernic materials;
• use a report as a commercial deliverable for a client, employer, customer, or other third party;
• use a report to provide a competing commercial privacy-assessment or advisory service;
• remove ownership or attribution notices;
• scrape or extract substantial portions of the site;
• reverse engineer protected software except where law expressly permits; or
• use Avernic names or marks in a manner suggesting sponsorship or endorsement.

The site and services are provided as available and may change, pause, or end.

Avernic may change:

• site features;
• questionnaires;
• methodologies;
• products;
• eligibility requirements; or
• availability.

A change to the site does not create a duty to update a previously delivered result or report.

Material changes to these Terms will be identified through a revised effective date.

Changes apply prospectively unless applicable law requires otherwise.

The Terms and product description accepted for a paid purchase continue to govern that purchase.

Avernic will not retroactively reduce a purchased deliverable or the refund rights accepted with that purchase.

If Avernic discontinues an undelivered paid product, Avernic will refund the amount paid for that undelivered product.

To the fullest extent permitted by law, the site and services are provided “as is” and “as available,” subject to the express delivery and refund commitments stated in these Terms.

Avernic does not warrant that:

• the site will be uninterrupted or error-free;
• every participant-supplied fact will be complete or correct;
• every third-party source will remain current;
• every recommendation will be suitable for every person or future circumstance;
• defects will always be corrected immediately; or
• use of the service will prevent loss, fraud, exposure, or harm.

Product features, prices, availability, and third-party terms may change after a result or report is prepared.

Except for express promises in these Terms or the product description accepted at checkout, Avernic disclaims implied warranties of merchantability and fitness for a particular purpose to the maximum extent permitted by law.

Some jurisdictions do not permit particular warranty exclusions. In those jurisdictions, the exclusions apply only to the maximum extent permitted.

Nothing in this section reduces the refund rights in Section 4.

To the fullest extent permitted by law, Shield Analytics LLC and its members, managers, officers, employees, contractors, and agents will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to:

• the site;
• a Checkup result;
• a report;
• a purchase;
• use of a recommendation; or
• a third-party product or service.

To the fullest extent permitted by law, the total aggregate liability of Shield Analytics LLC for all claims arising from or relating to a particular product or transaction will not exceed the greater of:

1. $100; or
2. the amount paid directly to Avernic for the product or transaction giving rise to the claim.

For a claim involving only a free service, the liability cap is $100.

These limitations apply regardless of the legal theory asserted.

These limitations do not apply to:

• Avernic’s express refund obligations;
• fraud or fraudulent misrepresentation by Avernic;
• Avernic’s willful misconduct or gross negligence;
• death or bodily injury where liability cannot lawfully be limited; or
• another liability or statutory remedy that applicable law does not permit to be excluded or limited.

Some jurisdictions do not permit particular exclusions or limitations. In those jurisdictions, this section applies only to the maximum extent permitted by law.

You are responsible for information you knowingly submit about another person without lawful authority and for intentional unlawful use of the service.

To the extent permitted by law, you are responsible for direct losses or third-party claims finally determined by a court of competent jurisdiction to have been caused by that conduct.

You are not responsible for claims caused by Avernic’s own conduct, negligence, breach of these Terms, or violation of law.

Before filing a lawsuit, either party must provide written notice of the dispute and allow 30 calendar days for informal resolution.

A notice to Avernic must be sent to hello@avernicprivacy.com with the subject line “Dispute Notice.”

The notice must include enough information to:

• identify the relevant submission or transaction;
• describe the dispute; and
• state the requested resolution.

Avernic may send a dispute notice to the email address associated with the relevant submission or purchase.

The parties will make a good-faith effort to resolve the dispute individually during the 30-day period.

This requirement does not prevent:

• an eligible small-claims filing;
• a privacy request;
• a refund request; or
• a request for urgent relief needed to prevent imminent unauthorized access, misuse, infringement, or other irreparable harm.

This informal process does not extend or shorten an applicable filing deadline. A party is not required to wait for the 30-day period to end if doing so would cause a claim or requested remedy to expire.

These Terms are governed by the laws of the State of Tennessee, without regard to conflict-of-law principles, except that a consumer retains any nonwaivable protection provided by the law of the consumer’s state of residence.

An eligible individual claim may be brought in small-claims court:

• in Montgomery County, Tennessee; or
• in the county where the consumer resides.

Any other court proceeding arising from these Terms must be brought exclusively in:

• a state court located in Montgomery County, Tennessee; or
• the United States District Court for the Middle District of Tennessee,

except where applicable law permits or requires another forum.

The parties consent to personal jurisdiction in those courts to the extent permitted by law.

Avernic is not responsible for a delay or failure caused by circumstances beyond its reasonable control, including:

• major provider outages;
• utility or telecommunications failures;
• natural disasters;
• cyberattacks despite reasonable safeguards;
• governmental actions;
• public emergencies; or
• changes in law.

Avernic will make reasonable efforts to restore affected services.

This section does not eliminate a refund right for an undelivered paid product.

Assignment

You may not transfer these Terms or a personal-use report license without Avernic’s written consent.

Shield Analytics LLC may transfer these Terms in connection with a merger, reorganization, financing, sale of the Avernic business, or similar transaction, provided the successor assumes the applicable delivery, refund, privacy, and data-retention obligations.

Severability

If a provision is found invalid or unenforceable, it will be enforced to the maximum lawful extent, and the remaining provisions will remain effective.

No waiver

A failure or delay in enforcing a provision is not a waiver of that provision or another right.

Entire agreement

These Terms and the product-specific details accepted at checkout form the entire agreement concerning the relevant service and replace prior discussions or representations concerning that service.

The Privacy Policy separately describes Avernic’s data practices and is not displaced by this entire-agreement provision. Nothing in this provision limits Avernic’s obligations under applicable privacy, data-security, or consumer-protection law.

No agency or partnership

These Terms do not create an employment, partnership, joint venture, fiduciary, or agency relationship between you and Avernic.

No third-party beneficiaries

These Terms do not create enforceable rights for third parties except for persons expressly protected by Section 16.

Headings

Headings are provided for convenience and do not change the meaning of these Terms.

Survival

Sections that by their nature should continue will survive completion, refund, termination, deletion, or cessation of use.

These include provisions concerning:

• intellectual property;
• warranty disclaimers;
• liability;
• unauthorized submissions;
• disputes;
• governing law; and
• general contract interpretation.

Questions may be sent to hello@avernicprivacy.com.

Support remains available for:

• delivery failure;
• broken access;
• material Avernic errors handled under the refund policy;
• refunds;
• privacy-data correction and deletion requests;
• security reports; and
• service problems.

Security reports should use the subject line “Security Report.” Do not include live credentials, authentication secrets, or another person’s personal information in a security report. Nothing in these Terms authorizes security testing without prior written permission.