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SLDocs

Terms of Service

Effective: July 1, 2026 · Last updated: July 1, 2026

1. Who We Are; Agreement to These Terms

These Terms of Service (“Terms”) are a binding agreement between you and Fiji Systems LLC, a Texas limited liability company doing business as SLDocs (“SLDocs,” “we,” “us”), with its notice address at 7160 Preston Road, Ste 100, Plano, TX 75024 (Collin County).

SLDocs provides an encrypted online vault for estate-planning and end-of-life documents (the “Service”). By creating an account, clicking “I agree,” or using the Service, you accept these Terms, our Privacy Policy, our Consumer Health Data Privacy Policy, and our Acceptable Use Policy, each of which is incorporated by reference.

Separate acknowledgments. Certain provisions of these Terms require your separate, individually recorded acknowledgment (checkbox) at the point in the product where they apply. Those provisions are identified in these Terms with the marker “[Separate Acknowledgment Required].” Your separate acknowledgment is recorded with a timestamp, the version and verbatim text of the statement you acknowledged, and the IP address from which you acknowledged it.

SLDocs is not a law firm. The Service is a document-storage technology product. SLDocs does not provide legal advice, does not prepare estate-planning documents, and no attorney-client relationship is formed with SLDocs. If your account was provisioned through a law firm, your attorney-client relationship (if any) is with that firm, not with SLDocs.

2. Eligibility; U.S.-Only Service

The Service is offered only to residents of the United States and to entities organized under U.S. law. At signup you must attest to U.S. residency (or U.S. organization). You must be at least 18 years old and able to form a binding contract. You may designate a recipient (for example, an executor or next of kin) who lives outside the United States; the Service is not directed to persons outside the U.S., and any non-U.S. recipient data we process is incidental to your designation.

SLDocs may require reasonable verification of eligibility and may suspend or close accounts that misrepresent eligibility. Identity-verification spot-checks: SLDocs reserves the right to request reasonable re-verification of your identity or residency at any time where we have a good-faith reason (for example, suspected account compromise or fraud), and to limit account functions pending completion.

3. The Service; Plans and Tiers

3.1 Consumer (B2C) plans — billed monthly or annually

PlanAnnual priceMonthly priceKey limits
Free$0—Up to 6 documents; 1 recipient; 1.5 MB per file
Personal$69/year$6.99/monthUp to 20 documents; 5 MB per file
Family Premium$129/year$12.99/monthUp to 250 documents; up to 6 vaults; up to 5 additional family members

Paid plans are offered on a monthly or annual basis; annual is the default and costs less than twelve monthly payments (for example, Personal at $69/year versus $83.88 in monthly payments). You choose your billing interval when you subscribe and may switch between monthly and annual at any time in your account settings (see §4 and §5 for how a mid-term switch is handled). Recurring add-ons follow the billing interval of your base plan.

Free requires no credit cardand we will not convert a Free account to paid without your action. Free accounts are subject to the engagement requirement in §9.4; the Free tier’s commitments are described in §9.4 and the document-safety commitments published at /free-tier-pledge.

Family Premium membership. Additional family members you invite receive access through your subscription— their membership is part of, and depends on, your Family Premium plan. Their participation depends on your plan’s status, as follows:

Removing a member, downgrading, cancelling, your plan ending, or transferring ownership does not deletea member’s own uploaded documents. If you remove a member while your plan is active, that member converts to an independent Free account on the same terms as above.

3.2 Firm-channel accounts

If a law firm (“Firm”) provisioned or sponsors your vault, additional terms in §14 apply. Where the Firm participates in our Turnkey program, you subscribe directly with SLDocs at $96/year, billed by SLDocs, even if the vault carries the Firm’s branding. Legal and compliance documents (these Terms, the Privacy Policy, and related notices) are always SLDocs documents and are never replaced by Firm branding.

3.3 Add-ons (paid tiers only; not available on Free)

Recurring add-ons are billed on the same interval (monthly or annual) as your base plan. A recurring add-on may be cancelled at the end of its current billing period, independently of your base plan; cancellation stops future charges and is not a refund of the current period (see §5).

3.4 Changes to the Service

We may improve or modify the Service. We will not materially reduce the core storage and access functions of your paid plan during a paid term without notice and the choice to cancel effective at term end.

4. Fees, Billing, Taxes

Fees are billed in advance through our payment processor (Stripe). Prices are stated exclusive of taxes; where required, we collect applicable sales/use tax. You choose a monthly or annual billing interval for your plan, and you authorize recurring charges on that interval (for B2B, monthly/quarterly per your order) until you cancel. Annual subscribers do not receive a separate renewal reminder for each monthly period; monthly subscribers, because they are billed each month, do not receive the advance annual-renewal reminder. You are responsible for keeping payment information current.

Price changes at renewal. We may change the price of a paid plan or add-on. A price change takes effect only at your first renewal that occurs more than 30 days after the date we send you notice of the change — so if your renewal falls within 30 days of the notice, that renewal is still billed at the prior price, and the new price applies at the following renewal. A price change never affects your current paid term. If you do not want to renew at the new price, you may cancel before your renewal; cancellation is not a refund of your current term, which continues until it expires. Free tier: the Free tier carries no recurring charge. Consistent with the commitments published at /free-tier-pledge, if we change the Free tier we will give existing Free users clear advance notice, we will not delete the documents you have uploaded, and you can export them at any time. We do not promise that the Free tier or any account remains free indefinitely.

5. Refunds

Core rule: no mid-term refunds. If you cancel a consumer subscription, your plan runs to the end of the paid period and does not renew; no partial-period refund is owed.

Switching billing interval. You may switch between monthly and annual billing at any time, effective immediately. If you switch from annual to monthly mid-term, the unused portion of your prepaid year is converted to account credit applied to your future charges — it is not refunded in cash and it is not forfeited; your upcoming monthly charges are reduced (and may be $0) until that credit is used up. If you switch from monthly to annual, the annual charge applies at the time of the switch, less credit for the unused portion of the current month. This credit mechanism is how we honor the no-cash-refund rule above while preserving the value you prepaid.

Exceptions and mechanics:

6. Your Content; License; Our IP

You retain all rights in documents and data you store (“Your Content”). You grant SLDocs a limited, non-exclusive license to host, encrypt, transmit, scan for malware, back up, and display Your Content solely to provide the Service, enforce these Terms, and comply with law. We claim no ownership of Your Content. The Service, software, and SLDocs branding are owned by SLDocs and its licensors. Feedback you give us may be used without restriction or compensation.

Third-party information in Your Content. Your Content may include personal information about other people (recipients, trusted contacts, medical proxies, executors, family members, and people named in your documents). You represent and warrant that you have the right and authority to provide that information and to authorize SLDocs to process it as described in these Terms and our Privacy Policy.

7. Security Architecture; What We Do and Do Not Promise

Each document is encrypted with AES-256-GCM under a per-document key, which is wrapped by per-tenant/per-user keys in U.S.-region Google Cloud KMS (envelope encryption). Document bytes are stored as ciphertext, and the wrapping keys are held in U.S.-region KMS; while encrypted bytes may rest on globally distributed storage infrastructure, they are not readable without the U.S.-held keys. Plaintext exists only transiently in memory during authorized decryption.

What this means — SLDocs is not “zero-knowledge” and not end-to-end encrypted. SLDocs holds the keys needed to decrypt your documents and can decrypt them to provide the Service. This is what makes features like assisted account recovery, executor access, medical break-glass, malware scanning, and authorized support possible — none of which would be available in a true zero-knowledge system. We do not read or analyze your documents’ contents in the ordinary course, and access is limited as described below, but you should understand that SLDocs has the technical ability to decrypt your data and is not architected so that only you can ever read it.

Authorized support access is owner-gated. Our support staff cannot unilaterally decrypt or view your documents. Support access to your content occurs only when you initiate or authorize it, is scoped to what is needed, is time-boxed, and is recorded — you can see a record of any such access. We do not self-initiate access to your documents for support purposes.

We do not promise that the Service is invulnerable. You are responsible for safeguarding your credentials and the contact channels (email, phone) you register, which the Service uses for security codes and notices. You are also responsible for maintaining your authentication factors and for storing any recovery codes we issue outside your vault — do not store your only means of access inside the vault it protects. If you lose your password and your authentication factors, assisted account recovery (§15) is the only path by which access can be restored, and it is a paid, identity-verified process; SLDocs cannot otherwise bypass authentication to return access to you.

Not everything is encrypted at rest. Your document contents, and (for direct consumer accounts) your document filenames, version notes, vault-entry labels, and the “relationship” you record for a recipient, are encrypted at rest. Certain non-sensitive account information and the contact details you enter for recipients and trusted contacts (name, email, phone, mailing address) are stored without field-level encryption. Please keep that in mind when deciding what to enter in those fields.

8. Acceptable Use; Restricted Use — Protected Health Information

You must comply with the Acceptable Use Policy. In addition:

Restricted use — Protected Health Information. The Service is a consumer document-storage product. You may not use the Service to create, receive, maintain, or transmit Protected Health Information (as defined under HIPAA, 45 C.F.R. § 160.103) on behalf of, or as a Business Associate or subcontractor of, a HIPAA Covered Entity or Business Associate, unless SLDocs has signed a separate Business Associate Agreement with you authorizing that use. Storing your own health-related documents for your own purposes is permitted and does not require a Business Associate Agreement.

9. Account Lifecycle, Retention, and the Free-Tier Engagement Rule

9.1 Paid-account lapse

If a paid term expires without renewal, you have a 10-day grace period, after which the account becomes LAPSED: access is suspended, your data is retained indefinitely, your plan type is preserved, and you may reactivate at any time.

9.2 Archival

At 90 days after lapse, the account is ARCHIVED and documents in excess of Free-tier limits are archived. Clients offboarded from a Firm’s program receive an extended 180-day archive window. When your Firm’s program ends, documents your Firm placed in your vault are transferred to you: they are re-encrypted under your own personal key and become your documents — downloadable by you, reachable through your own recipient, executor, and emergency-access flows, and no longer visible to or deletable by the former Firm.

9.3 Reactivation fee

Reactivating an archived consumer account costs: (standard annual fee × months lapsed ÷ 12) + $250, calculated month-by-month with a 1-month minimum, in addition to the new subscription term. Continuity through lapse and archival: your recipient designations, pending access requests, and access grants are not suspended by lapse or archival — they remain in place throughout. While your account is archived, a recipient with a live grant can access only your still-active documents (documents archived under §9.2 are not served through any grant); on reactivation, restored documents become visible through existing grants again automatically.

9.4 Free-tier engagement requirement

Free accounts must sign in at least once every 36 months. If you do not, the account soft-locks: access is suspended, but your documents and recipient designations are preserved indefinitely. We send notices approximately 30 days and 7 days before the threshold, and a further notice when the soft-lock takes effect. Reactivation is by emailed link and is free. Recipient-initiated activity does not count as your sign-in. Paid accounts have an optional courtesy engagement nudge (default 24 months; configurable 12/24/36/off) with no consequence for ignoring it.

Free tier commitments. The commitments published at /free-tier-pledge are incorporated into these Terms by reference for the accounts they cover. As currently stated, those commitments are document-safety commitments rather than a promise of perpetual free service: (1) we do not delete your documents if you lapse, stop paying, or walk away — uploaded documents remain encrypted and restorable on reactivation, and we delete only at your request; (2) you can always export your documents — self-serve export at any time, plus a documented export path with meaningful notice if SLDocs winds down; and (3) no silent changes to the Free tier — we give advance notice of any change. None of these promises that the Free tier, or any account, remains free indefinitely.

Maximum retention reservation. Notwithstanding our indefinite-preservation commitments, SLDocs reserves the right (but does not promise) to delete stored files, data, and accounts that have remained inactive for an extraordinary period — on the order of 100 years — after providing advance notice to the contacts we have on file. This reservation applies to all accounts, including Free accounts (it concerns extraordinary-duration inactivity and does not affect the Free Tier Pledge’s commitment that the Free tier remains free). This is a reservation of right, not a commitment to retain for any particular period or to delete at exactly 100 years; we may act sooner or later, and other provisions of these Terms and our policies continue to govern earlier deletion (for example, deletion you request, or backup rotation).

Deletion is permanent. When you delete a document or your account, the deletion is irreversible — we cannot recover deleted documents or data for you afterward, and deletion propagates to backups as described in our Consumer Health Data Privacy Policy. A limited set of records is retained after deletion only as described in that Policy and our Privacy Policy (for example, anonymized consent records, financial/transaction records, and the deletion audit record).

9.5 Downgrade to Free — acknowledgment [Separate Acknowledgment Required]

Downgrading to Free requires you to acknowledge that a Free account requires sign-in at least every 36 months or it soft-locks (§9.4). Downgrading also removes recipient designations beyond one and cancels any active Wellness Check and Recipient Notification add-ons; the product walks you through those steps before the downgrade completes.

9.6 Transition rate (firm offboarding)

If your Firm leaves SLDocs, your account converts to a direct account; you choose your own plan from that point. If you choose the Family plan, your first direct renewal is offered at $108/year (versus the standard $129) for one renewal only, then standard pricing applies; the Personal plan remains its standard $69/year. The transition rate is forfeited immediately if you schedule a downgrade to Free during the transition period, even before the renewal occurs. Reactivation after a lapse uses standard pricing.

9.7 Notifications we send

We send service notifications by email, and by text message only where you (or your recipient) have separately opted in; SMS supplements email and honors STOP at all times. The cadences below describe what we currently send; we may adjust the timing or channel of non-essential notices for operational reasons, but the lifecycle protections in §§9.2–9.4 (lapse, archival, and Free-tier soft-lock notices) remain as stated. Current cadences:

Essential service communications — security codes, password resets, billing and lapse notices, account recovery, deletion, and executor-process notices — are part of operating your account and cannot be opted out of while you hold an account. Notices we send to third parties you designate (recipients, trusted contacts, medical proxies) honor opt-out and suppression lists. We send no marketing messages.

9.8 Text Messaging (SMS) Program Terms

If you provide a mobile number and opt in, Fiji Systems LLC (doing business as SLDocs) sends account and security text messages — sign-in (two-factor) codes, document-access codes, and account notifications. This is a transactional program; we do not send marketing or promotional texts.

10. Cancellation and Termination

You may cancel anytime; §5 governs refunds. We may suspend or terminate accounts for material breach (including AUP violations), nonpayment, eligibility misrepresentation, fraud, or legal compulsion, with notice where practicable. Sections that by their nature survive (including §§5–7, 13, 15–16, 18–25) survive termination.

11. Recipients and Access Grants

“Trusted Contact” means a person you designate to be notified during the escalation process described in §11.2. A Trusted Contact is notify-only: they receive a notification at a defined point in the access-escalation timeline but cannot themselves grant, approve, revoke, or receive access to your documents. (Contrast “recipient,” who is a person you designate to receive access to specific documents under §11.1.)

11.1 Designation

Keeping designations current. Because your recipients, Trusted Contacts, and medical proxies control who can reach your documents, SLDocs may ask you to re-confirm these designations after a significant change to your account or household (for example, when a family member leaves or is removed, or when you return to the Service after a period of dormancy such as a soft-lock recovery or reactivation). This re-confirmation is a one-time step before normal use resumes. We also send a periodic reminder (about once a year) asking you to review whether your designations are still correct. Keeping your designations and the contact details for each designee current is your responsibility (§16).

When you designate a recipient, you choose how they receive access:

11.2 UPON_REQUEST mechanics

When an UPON_REQUEST recipient submits a request, you may grant permanent access, grant temporary access, or deny. If you do not respond within your pre-selected response window (14 to 180 days, set by you), the system automatically grants temporary 30-day access. During the window we send escalating notices (at approximately 10%, 33%, 67%, and 90% of the window) and notify your Trusted Contact at 50%. After an auto-grant, you have a 24-hour revocation buffer before access opens; the 30 days of access run from the end of that buffer. Access links expire after 7 days and require a one-time code sent to the contact details you recorded for that recipient. The response window runs by calendar and does not pause if your subscription lapses or your vault is archived — escalating notices continue to your email on file, and if the window expires without your response, the auto-grant proceeds (subject to the 24-hour revocation buffer) even while your account is lapsed. Keeping your contact information current is your responsibility (§16). By enabling an UPON_REQUEST recipient, you acknowledge the auto-grant default, that the window is not paused by account status, and confirm your selected window.

You can revoke a recipient’s access at any time — including a grant that is already live (whether you granted it or it auto-granted). Revocation is immediate and forward-looking: every outstanding access link stops working at once, but documents the recipient already downloaded cannot be recalled.

12. Medical Break-Glass (Paid Tiers Only)

You may pre-name one medical proxy(a recipient with both email and phone on file) and curate an “Emergency Medical Set” of specific documents. Your proxy can trigger immediate access to that set only — never your whole vault — gated by one-time codes on both channels, auto-expiring in 72 hours, with a prominent alert to you and a one-click revoke. Every document the proxy opens is audit-logged.

13. Executor Access (Post-Mortem)

Executor access is a fallback when the account owner has died and no designated recipient is available. The requesting executor must provide: (a) a death certificate; (b) the executor’s government-issued ID; and (c) proof of legal authority, which may be any of: an attorney letter, a notarized affidavit, Letters Testamentary, a court order, or a filed small-estate affidavit. Letters Testamentary are deliberately not a hard prerequisite, because the will is often stored inside the vault.

Requests are adjudicated by SLDocs’s dedicated Attorney Reviewer role (not general support staff), matching the deceased against stored identity fields. Granted access is read-only for 30 days, extendable to 90 days total at no extra fee.

Fee: $295 flat, payable by the estate. The fee is refunded if the request is denied, or if the request is withdrawn before access is granted; once access is granted, the fee is earned and non-refundable. To withdraw a pending request, contact us (or the reviewing attorney handling the request) and we will withdraw it and refund the fee if access has not yet been granted. Multiple requests within 90 days of the first are covered by one fee; a second fee may apply after 90 days. We will not increase the fee on a request that is already open — the fee that applies is the one in effect when the request was submitted — and we will disclose any future change to the fee at least 30 days before it takes effect. The fee is waived entirely during any announced wind-down (§17).

Questions or concerns. If you have any questions or concerns about an executor-access request at any stage — including if you wish to withdraw a pending request — email us at legal@sldocs.com. We are reachable by email throughout the process, and withdrawing a pending request (with a refund where access has not yet been granted) is handled this way.

Post-mortem release. By filing a request, the requesting executor or personal representative, on behalf of the estate, releases SLDocs and its personnel from any claim arising out of a good-faith decision to grant or deny access made in accordance with the process described in this section, including reliance on submitted proof of authority that later proves inaccurate or forged. This release covers good-faith, process-compliant access decisions only; it does not release SLDocs from liability for its own gross negligence or willful misconduct.

No arbiter of estate or family disputes. (a) SLDocs does not adjudicate competing claims to a vault or its contents (for example, rival executors or family disputes over access) and is not responsible for resolving them. (b) Where SLDocs receives competing or conflicting access claims, or is on notice of a bona fide dispute, it may, in its discretion, withhold or suspend access pending resolution among the parties or a court order — this is permissive, not an obligation. (c) SLDocs may comply with a court order or valid legal process regarding access without liability to any party.

14. Firm-Provisioned Accounts; Firm Document Uploads (Model C)

If a Firm sponsors your vault:

  1. The Firm cannot place documents in your vault without your explicit consent. Consent is captured by checkbox, recorded with timestamp, IP, and policy version. [Separate Acknowledgment Required — this is the client-side Model C consent.]
  2. You may revoke that consent at any time. Revocation is forward-looking only: documents the Firm already uploaded remain in your vault. While the Firm manages your vault, you can delete documents you uploaded yourself; documents the Firm uploaded are removed by the Firm. If your relationship with the Firm ends and your vault transitions to your sole control, those documents become yours and you can delete them.
  3. Every Firm-uploaded document carries a persistent “Added by [Firm] on [Date]” origin indicator, and you receive an email notification when the Firm uploads.
  4. The Firm is contractually required (under its agreement with SLDocs) to obtain appropriate consents and authorizations from you under its own professional-responsibility and privacy obligations before enrolling you or uploading on your behalf. SLDocs provides the platform; the Firm remains responsible for its attorney-client relationship with you.
  5. Your data belongs to you, not the Firm. If the Firm’s relationship with SLDocs ends, §9.2 (180-day window) and §9.6 (transition rate) protect you.
  6. “Powered by SLDocs” attribution appears in email footers for data-custody transparency even when your vault is white-labeled.

15. Account Recovery (Assisted Recovery); Allocation of Takeover Risk

If you lose access to your credentials and recovery factors, you may request assisted recovery, which restores account control on documentary proof of identity rather than possession of a login factor. The first assisted recovery in any rolling 36-month period is free; each additional is $75, charged only on completion (after identity verification), never at intake.

Risk acknowledgment. Assisted recovery and executor access (§13) both grant vault control based on documents, and documents can be forged. SLDocs adjudicates requests in good faith using the verification steps described, but does not guarantee the authenticity of submitted documents and is not liable for access granted where its published process was followed. As a mitigating control, any change of recovery email triggers a security notice to the prior on-file email so a wrongful recovery can be contested.

16. Health-Related Documents; Separate Consent

Storing your own health-related documents (for example, a healthcare directive or healthcare power of attorney) is permitted and expected. Before your first upload, we capture a separate, affirmative health-data consent (distinct from acceptance of these Terms), as described in the Consumer Health Data Privacy Policy. We do not sell or share consumer health data and we use it only to provide the Service.

17. Wind-Down Commitments

If SLDocs ceases operations, we commit to: (a) best-effort advance notice; (b) a 90-day data-export window with extended access for account holders, recipients with current grants, and active executors; (c) waiver of the executor fee during the announced wind-down; and (d) a 12-month roadmap commitment to publish an open-source decryption tool enabling you to decrypt SLDocs-format documents independently. These are promised customer benefits and survive termination of these Terms as to data stored at the time of the announcement.

18. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, SLDOCS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. SLDOCS DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT STORED DOCUMENTS WILL SATISFY ANY LEGAL FORMALITY (FOR EXAMPLE, REQUIREMENTS FOR VALID EXECUTION OF A WILL). CONSUMER SLA CREDITS DO NOT APPLY TO B2C PLANS. NOTHING IN THESE TERMS WAIVES ANY RIGHT OR REMEDY THAT CANNOT BE WAIVED UNDER APPLICABLE LAW, INCLUDING THE TEXAS DECEPTIVE TRADE PRACTICES–CONSUMER PROTECTION ACT (DTPA).

19. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (A) NEITHER PARTY IS LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOST PROFITS OR DATA (EXCEPT AS THE WIND-DOWN COMMITMENTS PROVIDE FOR DATA EXPORT); AND (B) SLDOCS’S AGGREGATE LIABILITY ARISING OUT OF THE SERVICE IS CAPPED AT THE GREATER OF (i) AMOUNTS YOU PAID SLDOCS IN THE 12 MONTHS BEFORE THE CLAIM AROSE AND (ii) $100. THE CAP IN CLAUSE (B) DOES NOT APPLY TO SLDOCS’S LIABILITY FOR (X) BREACH OF ITS WIND-DOWN COMMITMENTS (§17) OR ITS FREE-TIER DOCUMENT-SAFETY COMMITMENTS (§9.4), OR (Y) ITS OWN GROSS NEGLIGENCE OR WILLFUL MISCONDUCT. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED BY LAW.

20. Indemnification

You will indemnify SLDocs against third-party claims to the extent they arise from (a) Your Content — including your representation in §6 that you have the right to provide any third-party information in it — or (b) your violation of these Terms or of law, except to the extent the claim is caused by SLDocs’s own breach of these Terms, negligence, or willful misconduct. This is the only indemnity obligation for consumer accounts.

21. Changes to These Terms

We may update these Terms prospectively. For material changes we will give at least 30 days’ notice by email and in-product notice. When a new version takes effect, new users accept it at signup, and existing users are given a 30-day grace period — you keep full access and see a reminder to review and accept the updated Terms, and after the grace period a one-time acceptance is required to continue using the Service. Your acceptance of each version is recorded with the version and timestamp. Material changes to provisions that required a separate acknowledgment will require a fresh acknowledgment.

22. Notices

We send notices to your registered email; you send notices to legal@sldocs.com or Fiji Systems LLC dba SLDocs, 7160 Preston Road, Ste 100, Plano, TX 75024. Legal process should be served on our registered agent: Saraiya PLLC, 7160 Preston Road, Ste 100, Plano, TX 75024.

Please don't email sensitive personal or health information or documents — email isn't encrypted and may be stored outside the U.S. Use your in-product vault instead.

23. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws rules, and applicable federal law (including the Federal Arbitration Act for §24).

24. Dispute Resolution: Informal Resolution, Small Claims, Arbitration, Class Waiver [Separate Acknowledgment Required]

24.1 Informal resolution first

Before filing any claim, you and SLDocs agree to attempt informal resolution: send a written description of the dispute to legal@sldocs.com or 7160 Preston Road, Ste 100, Plano, TX 75024; the parties will confer in good faith for 60 days.

24.2 Small claims

Either party may bring an individual claim seeking $10,000 or less in small claims court — for disputes within Texas, the Justice Courts of Collin County, Texas, or, if you are a consumer, the small claims court of your county of residence.

24.3 Binding arbitration above the threshold

Any dispute not resolved informally and exceeding the small-claims threshold will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, seated in Collin County, Texas, except that for consumer claimants the hearing may proceed by videoconference or in the consumer’s home county where the rules so require. Texas law and the FAA govern. The arbitrator decides all issues except that a court decides the enforceability of the class waiver.

24.4 Class-action waiver

ALL CLAIMS MUST BE BROUGHT IN THE PARTIES’ INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OR PRESIDE OVER ANY FORM OF REPRESENTATIVE PROCEEDING. If this waiver is found unenforceable as to a particular claim, that claim (and only that claim) proceeds in court in Collin County, Texas.

24.5 Opt-out

You may opt out of this arbitration agreement (§§24.3–24.4) by sending written notice of your decision to opt out to legal@sldocs.com within 30 days after first accepting these Terms. Your notice must include your name and the email address associated with your account. If you opt out within this period, the arbitration agreement and class-action waiver do not apply to you; all other provisions of these Terms continue to apply. Opting out has no effect on any prior or separate arbitration agreement between you and us.

24.6 Exceptions

Either party may seek injunctive relief in court for IP infringement or unauthorized access to the Service.

25. Miscellaneous

Entire agreement (together with incorporated policies and, for Firms, the MSA); severability; no waiver by inaction; no assignment by you without consent (we may assign to a successor in a merger, acquisition, or asset sale, subject to §17 if the successor discontinues the Service); force majeure; headings are for convenience; the parties are independent contractors.