TERMS OF SERVICE

4 Main Street, Inc.

Effective Date: January 26, 2026

Terms URL: www.4mainstreet.ai/tos

1. ACCEPTANCE OF TERMS

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Customer," "you," or "your") and 4 Main Street, Inc. ("4 Main Street," "we," "us," or "our") governing your access to and use of our AI-powered business communication platform, including SMS, voice, web, and video services (collectively, the "Services").

By accessing or using our Services, you agree to be bound by these Terms. If you are entering into these Terms on behalf of a business or other legal entity, you represent that you have the authority to bind such entity to these Terms.

By creating an account or using the Services, you consent to enter into these Terms electronically and to receive notices and communications from us electronically. You agree that your electronic acceptance has the same legal effect as a physical signature.

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SERVICES.

2. DESCRIPTION OF SERVICES

2.1 Services Overview

4 Main Street provides AI-powered business-to-consumer communication tools designed for small businesses, including but not limited to:

  • AI SMS Services: Automated and AI-assisted text messaging for customer engagement, marketing, and support
  • AI Voice Services: Automated voice calling, interactive voice response (IVR), and AI-powered voice conversations
  • Web-based Communication Tools: Platform access for managing and monitoring communications
  • Video Communication Services: AI-enhanced video messaging and communication features
  • Analytics and Reporting: Performance metrics and insights for communication campaigns

We reserve the right to modify, suspend, or discontinue any aspect of the Services at any time with or without notice.

2.2 Beta Features

We may offer certain features designated as "beta," "preview," or "experimental." Beta features are provided as-is without warranty of any kind and may be modified, suspended, or discontinued at any time without notice. Beta features may contain bugs, errors, or inaccuracies and are not subject to any service level commitments. Your use of beta features is at your own risk, and we shall have no liability for any issues arising from beta features.

2.3 Free Trials

We may offer free trials of the Services. Free trials are subject to these Terms. At the end of the trial period, your account will automatically convert to a paid subscription at the then-current rate unless you cancel before the trial ends. We will notify you before the trial expires. Trial duration and applicable subscription plan will be specified at signup. We reserve the right to limit free trials to one per customer and to modify or discontinue free trial offers at any time.

3. ACCOUNT REGISTRATION AND SECURITY

3.1 Account Creation

To use the Services, you must create an account and provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

3.2 Account Eligibility

You must be at least 18 years old and have the legal capacity to enter into contracts. By creating an account, you represent and warrant that you meet these requirements.

3.3 Account Security

You agree to:

  • Immediately notify us of any unauthorized use of your account
  • Ensure that you log out from your account at the end of each session
  • Not share your account credentials with third parties
  • Accept responsibility for all activities conducted through your account

4. ACCEPTABLE USE POLICY

4.1 Permitted Use

You may use our Services only for lawful business purposes in compliance with these Terms and all applicable laws and regulations.

4.2 Prohibited Activities

You agree NOT to use the Services to:

General Prohibitions:

  • Violate any local, state, national, or international law or regulation
  • Infringe upon or misappropriate any intellectual property rights
  • Transmit any material that is defamatory, obscene, abusive, or harassing
  • Impersonate any person or entity or falsely state or misrepresent your affiliation
  • Engage in any fraudulent, deceptive, or misleading practices
  • Interfere with or disrupt the Services or servers or networks connected to the Services

Communication-Specific Prohibitions:

  • Send unsolicited commercial messages (spam) or engage in telemarketing without proper consent
  • Violate the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, or similar regulations
  • Send messages to numbers on the National Do Not Call Registry without proper exemption
  • Use the Services for robocalling or auto-dialing without required consent
  • Send messages containing malware, viruses, or harmful code
  • Engage in SMS or voice phishing (smishing/vishing)
  • Send excessive messages that could be considered harassment
  • Distribute content that promotes violence, illegal activities, or hate speech
  • Send messages on behalf of third parties without authorization
  • Use purchased, rented, or scraped contact lists without verified opt-in consent

AI-Specific Prohibitions:

  • Attempt to manipulate, circumvent, or abuse the AI systems
  • Use the Services to generate or disseminate misleading AI-generated content
  • Extract, reverse engineer, or attempt to discover the underlying AI models
  • Use the Services in ways that could harm, deceive, or manipulate end consumers

4.3 Compliance with Communication Laws

You are solely responsible for ensuring compliance with:

  • Telephone Consumer Protection Act (TCPA)
  • CAN-SPAM Act
  • State and local telemarketing laws
  • Federal Trade Commission (FTC) regulations
  • Federal Communications Commission (FCC) rules
  • Any applicable industry-specific regulations

You must:

  • Obtain proper consent (express written consent where required) before sending messages
  • Maintain accurate records of consent for all recipients
  • Include clear opt-out mechanisms in all messages
  • Honor opt-out requests immediately (within 10 business days for email, immediately for SMS)
  • Identify yourself clearly in all communications
  • Include required disclosures in your messages

5. CUSTOMER DATA AND CONSENT MANAGEMENT

5.1 Customer Responsibilities

You are solely responsible for:

  • Obtaining all necessary consents from your end customers before using our Services to contact them
  • Maintaining accurate consent records and documentation
  • Ensuring your contact lists are current and properly opted-in
  • Managing opt-out requests and maintaining do-not-contact lists
  • Verifying that phone numbers and email addresses are valid and belong to the intended recipients

5.2 Data Accuracy

You represent and warrant that all contact information you provide or upload to the Services:

  • Was obtained lawfully and with proper consent
  • Is accurate and up-to-date
  • Does not include contacts who have opted out of receiving communications
  • Complies with all applicable privacy laws and regulations

5.3 Prohibited Data

You may not upload or transmit:

  • Contact information obtained through scraping, purchasing, or renting lists without verified consent
  • Personal information of minors (under 18 years) without proper parental consent
  • Protected health information (PHI)
  • Financial account information, social security numbers, or other sensitive personal data
  • Any data obtained through illegal or deceptive means

5.4 Consent Verification

We reserve the right to request documentation demonstrating your compliance with consent requirements, including records of opt-in consent for contacts in your account. You agree to provide such documentation within five (5) business days of our request. Failure to provide adequate documentation may result in suspension of your Services.

5.5 Franchise Disclosure

If you operate as a franchisee or licensee of a franchise system, you acknowledge and agree that we may share information related to your use of the Services with your franchisor, including but not limited to: account status, usage metrics, performance data, message volumes, response rates, customer reviews, and aggregated customer data. This sharing may occur pursuant to agreements between us and your franchisor, or as part of franchise-wide reporting and analytics. Your payment for the Services does not limit or restrict our ability to share data with your franchisor. Such data sharing is a condition of your use of the Services and may not be opted out of. You represent that your acceptance of these Terms does not violate your franchise agreement.

6. AI SERVICES AND LIMITATIONS

6.1 AI-Generated Content

Our AI Services generate automated responses and communications based on machine learning models. You acknowledge that:

  • AI-generated content may occasionally be inaccurate, inappropriate, or require human review
  • You are responsible for reviewing and approving AI-generated communications before deployment
  • We do not guarantee the accuracy, completeness, or appropriateness of AI-generated content
  • AI responses should be monitored and adjusted based on your specific business needs

6.2 Human Oversight

You agree to:

  • Maintain appropriate human oversight of AI-generated communications
  • Establish review processes for sensitive or high-stakes communications
  • Train your staff on proper use of AI communication tools
  • Monitor AI interactions for quality and compliance

6.3 AI Disclosure

When using our AI Services to communicate with consumers, you agree to:

  • Clearly disclose when communications are AI-generated or AI-assisted where required by law
  • For AI Voice Services, ensure that callers are informed at the beginning of each call that they are speaking with an AI system, not a human
  • Not misrepresent AI interactions as human communications if such misrepresentation could be material to the consumer
  • Comply with emerging AI disclosure regulations and guidelines

We may provide configurable disclosure messages within the Voice Services. You are responsible for enabling and maintaining appropriate disclosures based on applicable legal requirements.

6.4 Call Recording

Our Voice Services record, transcribe, and analyze calls for quality assurance, service improvement, AI training, and compliance purposes. You acknowledge and consent to such recording of calls made through the Services.

Our Voice Services include an automated disclosure at the beginning of each call notifying consumers that the call may be recorded. You may not disable this disclosure.

Notwithstanding the automated disclosure, you remain responsible for ensuring compliance with all applicable federal and state recording consent laws based on the jurisdictions in which you operate. You shall indemnify and hold harmless 4 Main Street from any claims, damages, or penalties arising from any recording consent issues related to your use of the Voice Services.

7. USAGE LIMITS AND FAIR USE

7.1 Service Limits

Your use of the Services is subject to usage limits based on your subscription plan, including:

  • Number of SMS messages per month
  • Number of voice minutes per month
  • Number of contacts or phone numbers
  • API call limits
  • Storage limits

7.2 Fair Use Policy

We reserve the right to enforce fair use policies to prevent abuse. Excessive or abusive use may result in:

  • Temporary throttling or suspension of Services
  • Additional charges for usage exceeding plan limits
  • Termination of your account for repeated violations

7.3 High-Volume Use

If you anticipate high-volume usage beyond standard limits, you must contact us in advance to arrange appropriate service levels and prevent service disruption.

8. FEES AND PAYMENT

8.1 Subscription Fees

You agree to pay all fees associated with your selected subscription plan. Fees are billed in advance on a monthly or annual basis as specified in your plan. Subscriptions automatically renew for successive periods of the same duration unless you cancel before the renewal date. You may cancel auto-renewal at any time through your account settings or by contacting us. We will send a reminder notice before each renewal period.

8.2 Usage-Based Charges

Additional charges may apply for:

  • Usage exceeding your plan limits
  • Premium features or add-on services
  • SMS and voice carrier fees
  • International messaging or calling

8.3 Payment Terms

  • All fees are non-refundable unless otherwise specified
  • Payment is due immediately upon invoicing
  • We may suspend Services for non-payment after 10 days' notice
  • You authorize us to charge your payment method on file for all applicable fees
  • You are responsible for all taxes associated with your use of the Services

8.4 Price Changes

We reserve the right to modify our pricing with 30 days' advance notice. For annual subscriptions, price changes will take effect at your next renewal date. Continued use of the Services after the notice period constitutes acceptance of the new pricing.

9. INTELLECTUAL PROPERTY

9.1 Our IP Rights

The Services, including all software, algorithms, AI models, designs, text, graphics, interfaces, and other content, are owned by 4 Main Street and protected by copyright, trademark, patent, and other intellectual property laws. You receive a limited, non-exclusive, non-transferable license to use the Services in accordance with these Terms.

9.2 Customer Content

You retain all rights to the content you create or upload to the Services ("Customer Content"). By using the Services, you grant us a worldwide, non-exclusive, royalty-free license to use, store, process, and transmit Customer Content to: (a) provide the Services; (b) improve, develop, and train our AI models and Services; and (c) generate aggregated, anonymized, or derived data as described below.

9.3 Feedback

If you provide feedback, suggestions, or ideas about the Services, you grant us the right to use such feedback without compensation or attribution.

9.4 Restrictions

You may not:

  • Copy, modify, or create derivative works of the Services
  • Reverse engineer, decompile, or disassemble any aspect of the Services
  • Rent, lease, sell, or sublicense access to the Services
  • Remove or obscure any proprietary notices

9.5 Aggregated and Derived Data

We may generate aggregated, anonymized, or derived data from Customer Content and your use of the Services ("Derived Data"). Derived Data does not identify you, your customers, or any individual. As between the parties, we own all right, title, and interest in Derived Data, including any AI models, algorithms, or improvements developed using Derived Data. We may use Derived Data for any lawful business purpose, including improving our Services, developing new products, and creating industry benchmarks.

9.6 Publicity

You grant us the right to use your company name and logo on our website and marketing materials to identify you as a customer. You may revoke this right at any time by written notice to us.

10. PRIVACY AND DATA PROTECTION

10.1 Privacy Policy

Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you consent to our Privacy Policy.

10.2 Data Processing

We process data in accordance with applicable data protection laws, including:

  • General Data Protection Regulation (GDPR) where applicable
  • California Consumer Privacy Act (CCPA)
  • Other state and federal privacy regulations

10.3 Data Security

We implement reasonable security measures to protect your data. However, no system is completely secure, and we cannot guarantee absolute security.

10.4 Data Retention

We retain Customer Content and account information for as long as your account is active or as needed to provide Services. You may request deletion of your data upon account termination, subject to legal retention requirements.

11. THIRD-PARTY SERVICES

11.1 Carrier Services

Our SMS and voice Services rely on third-party telecommunications carriers. We are not responsible for:

  • Carrier delivery failures or delays
  • Carrier fees or charges
  • Changes to carrier policies or capabilities
  • Network outages or technical issues beyond our control

11.2 Integrations

The Services may integrate with third-party platforms and services. Your use of such integrations is subject to the third party's terms and policies. We are not responsible for third-party services or their availability.

11.3 SMS Carrier Compliance

SMS Services are sent through 4 Main Street's registered messaging campaigns and are subject to carrier requirements for A2P (Application-to-Person) messaging. You agree to:

  • Provide accurate customer contact information and valid consent records
  • Comply with carrier content policies and messaging guidelines
  • Not send content that violates carrier acceptable use policies
  • Promptly honor all opt-out requests

We reserve the right to suspend or terminate your SMS Services if your messaging practices result in carrier filtering, excessive opt-outs, spam complaints, or otherwise pose a risk to our platform's sender reputation or deliverability.

11.4 Third-Party Content

We are not responsible for any third-party content, websites, or services accessed through or linked from our Services.

12. WARRANTIES AND DISCLAIMERS

12.1 Service Disclaimer

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.

WE DO NOT WARRANT THAT:

  • The Services will be uninterrupted, timely, secure, or error-free
  • The results obtained from using the Services will be accurate or reliable
  • Any errors in the Services will be corrected
  • The Services will meet your specific requirements
  • AI-generated content will be accurate, appropriate, or effective for your purposes

12.2 No Guarantee of Delivery

We do not guarantee that messages sent through our Services will be delivered or delivered within any specific timeframe. Message delivery depends on factors beyond our control, including recipient carrier policies, device status, and network conditions.

12.3 Regulatory Compliance

WHILE WE PROVIDE TOOLS TO FACILITATE COMPLIANCE, YOU ARE SOLELY RESPONSIBLE FOR ENSURING YOUR USE OF THE SERVICES COMPLIES WITH ALL APPLICABLE LAWS AND REGULATIONS. WE DO NOT PROVIDE LEGAL ADVICE OR GUARANTEE REGULATORY COMPLIANCE.

13. LIMITATION OF LIABILITY

13.1 Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE AMOUNTS YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

13.2 Excluded Damages

IN NO EVENT SHALL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

  • Lost profits or revenue
  • Loss of business opportunities
  • Loss of data or information
  • Cost of substitute services
  • Damage to reputation
  • Regulatory fines or penalties
  • Claims by third parties

EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13.3 No Liability for Third Parties

We are not liable for any actions, claims, or damages arising from:

  • Your violation of these Terms or applicable laws
  • Your content or communications sent through the Services
  • Third-party services, carriers, or platforms
  • Unauthorized access to your account
  • Your failure to maintain proper consents or compliance

14. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless 4 Main Street, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

  • Your use or misuse of the Services
  • Your violation of these Terms
  • Your violation of any law or regulation, including TCPA, CAN-SPAM, GDPR, or CCPA
  • Your Customer Content or communications sent through the Services
  • Infringement of any intellectual property or other rights of any third party
  • Any disputes between you and your customers or end users
  • Any regulatory fines, penalties, or enforcement actions related to your use of the Services

We reserve the right to assume exclusive defense and control of any matter subject to indemnification, and you agree to cooperate with our defense of such claims.

15. TERM AND TERMINATION

15.1 Term

These Terms commence when you first access the Services and continue until terminated by either party.

15.2 Termination by You

You may terminate these Terms at any time by:

  • Canceling your subscription through your account settings
  • Providing written notice to us
  • Ceasing all use of the Services

Termination does not relieve you of any payment obligations for Services already rendered.

15.3 Termination by Us

We may suspend or terminate your access to the Services immediately, with or without notice, if:

  • You violate these Terms or our policies
  • Your account is inactive for an extended period
  • We are required to do so by law
  • We cease offering the Services
  • You fail to pay fees when due
  • Your use poses a security or legal risk

15.4 Survival

The following sections shall survive termination of these Terms: Section 9 (Intellectual Property), Section 10 (Privacy and Data Protection), Section 12 (Warranties and Disclaimers), Section 13 (Limitation of Liability), Section 14 (Indemnification), Section 16 (Dispute Resolution), and Section 18 (General Provisions).

15.5 Data Retrieval

You may export your data within 30 days of termination. After this period, we have no obligation to maintain or provide your data.

16. DISPUTE RESOLUTION

16.1 Informal Resolution

Before filing any formal claim, you agree to contact us at legal@4mainstreet.ai to attempt to resolve the dispute informally. We will attempt to resolve the dispute within 30 days.

16.2 Binding Arbitration

If we cannot resolve a dispute informally, any controversy or claim arising out of or relating to these Terms or the Services shall be settled by binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. The arbitration shall be conducted virtually or, if in-person proceedings are required, in Wilmington, Delaware, and judgment on the award may be entered in any court having jurisdiction.

16.3 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

16.4 Exceptions

Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.

16.5 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

16.6 Jury Trial Waiver

TO THE EXTENT PERMITTED BY APPLICABLE LAW, EACH PARTY WAIVES ANY RIGHT TO A JURY TRIAL IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES.

17. MODIFICATIONS TO TERMS

We reserve the right to modify these Terms at any time. We will provide notice of material changes by:

  • Posting the updated Terms at www.4mainstreet.ai/tos
  • Sending an email notification to your account email address
  • Displaying an in-app notification

Your continued use of the Services after the effective date of the modified Terms constitutes your acceptance of the changes. If you do not agree to the modified Terms, you must stop using the Services.

18. GENERAL PROVISIONS

18.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and 4 Main Street regarding the Services.

18.2 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

18.3 Waiver

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

18.4 Assignment

You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign these Terms without restriction. Any attempted assignment in violation of this section is void.

18.5 No Agency

Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and 4 Main Street.

18.6 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, network infrastructure failures, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

18.7 Export Compliance

You agree to comply with all applicable export and import laws and regulations. You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country.

18.8 Notices

All notices under these Terms must be in writing and sent to:

4 Main Street, Inc. Email: legal@4mainstreet.ai

Notices to you may be sent to the email address associated with your account.

18.9 Language

These Terms are written in English. Any translations are provided for convenience only. In the event of any conflict, the English version shall prevail.

18.10 No Third-Party Beneficiaries

These Terms are for the sole benefit of the parties and do not confer any rights or remedies upon any third party.

19. CONTACT INFORMATION

If you have questions about these Terms or the Services, please contact us at:

4 Main Street, Inc. Email: legal@4mainstreet.ai Website: www.4mainstreet.ai Support: support@4mainstreet.ai

BY USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.

Last Updated: January 26, 2026