Legal

Terms of Service

Last updated September 17, 2026

These terms govern every engagement with No Excuses Operations, a service of Low Key Global Financial LLC (an Ohio limited liability company), referred to here as "we" or "us". By paying a deposit, subscribing to a platform, or otherwise engaging our services, you agree to them.

1. What we provide

We design, build, and deliver custom business software — operating systems, client portals, websites, and workflow automation — and we operate hosted software products available by subscription. The specific scope of a custom build is set out in a written agreement signed before work begins. Where a signed agreement and these terms differ, the signed agreement controls.

2. Custom builds: deposits and delivery

• Custom builds are quoted as a fixed total. 50% is due as a deposit before work starts; the remaining 50% is due when the platform is delivered and live.
• "Delivered" means the software is deployed, accessible at the agreed address, and the features in the signed scope are working.
• Delivery timelines are estimates. We will tell you promptly if a timeline changes and why.
• Work outside the signed scope is quoted separately before it begins.

3. Platform subscriptions

• Subscriptions (for example, the No Excuses Bag Manager) bill monthly in advance and renew automatically until cancelled.
• You may cancel at any time. Cancellation takes effect at the end of the current billing period and no further charges are made.
• We may change subscription pricing with at least 30 days' written notice.

4. Payment

We accept bank transfer (ACH) and major cards through Stripe. Bank transfers may take several business days to settle; a build begins once the deposit has settled. Card payments may carry a disclosed processing surcharge where permitted by law. Refunds are handled under our Refund Policy.

5. Your accounts and your data

Custom platforms are deployed on infrastructure accounts that belong to you wherever the engagement allows it, so you retain control of your own systems. You are responsible for information you and your clients enter into a platform, for keeping your credentials secure, and for having the legal right to any data you upload. Our handling of personal information is described in our Privacy Policy.

6. Ownership

On full payment, you own the custom configuration, content, and data of your build. We retain ownership of our underlying frameworks, tooling, and reusable components, and grant you a perpetual licence to use them as part of your delivered platform. Hosted subscription platforms remain our property; you receive a licence to use them for the duration of your subscription.

7. Acceptable use

You may not use our software to break the law, to infringe others' rights, to send unsolicited communications, or to attempt to access systems or data you are not authorised to access. We may suspend access to a hosted platform for a material breach after giving you notice.

8. Warranties and limits

We warrant that delivered software will perform materially as described in the signed scope for 30 days after delivery, and we will fix defects reported in that period at no charge. Beyond that, software is provided "as is". To the fullest extent permitted by law, our total liability for any claim is limited to the amount you paid us for the engagement giving rise to it, and we are not liable for indirect or consequential loss, including lost profits.

9. Governing law

These terms are governed by the laws of the State of Ohio, United States. Any dispute will be resolved in the state or federal courts located in Ohio.

10. Contact

Low Key Global Financial LLC · No Excuses Operations
Email: info@lowkeyentpr.com · Phone: (440) 597-5656