TERMS OF USE

Last Updated: October 9, 2026

These Terms of Use (this "Agreement") govern your access to and use of the materials, content, and services provided on keslercpareview.com, the web application at app.keslercpareview.com, and our mobile applications for iOS and Android (collectively, the "Site" or "Service") by KESLER CPA REVIEW, a division of Anything Online, LLC ("Anything Online," "Kesler CPA Review," "we," "us," or "our").

1. Acceptance of Agreement

By subscribing to or using our Service, you (whether as an individual or on behalf of an entity) acknowledge that you have read, understood, and agree to be bound by this Agreement. This Agreement, along with our Privacy Policy, our Refund & Cancellation Policy, and any other written agreements you may have entered into with us regarding the Service, constitutes the entire understanding between you and Anything Online with respect to the subject matter hereof.

2. Personal Use Only

The Site and its content are intended solely for your personal, noncommercial use. You are granted a limited, non-transferable, non-exclusive, revocable license to view materials and to use expressly authorized downloads, printing features, and printed materials only for your own personal exam preparation. You agree not to reproduce, distribute, or create derivative works from any content—including any licensed materials—except as expressly permitted under this Agreement. Availability of a printing or screenshot function on your device does not itself authorize copying restricted content.

3. Licensed Content and Proprietary Materials

Certain materials on the Site, including a collection of practice questions and study materials, incorporate licensed content from McGraw Hill related to the AICPA's CPA exam, as well as copyrighted materials from SOC reports published by the AICPA and questions directly licensed from the AICPA. This licensed content is © 2016 McGraw Hill Education and © 2025 AICPA (and/or its licensors) and remains their exclusive property.

You agree that you will not copy, print, or otherwise reproduce any such licensed content outside the Site except through downloads, printing features, or printed materials we expressly authorize. In addition, you may not use any portion of this content to train, develop, or enhance external artificial intelligence or machine learning systems, or for any other purpose not explicitly permitted by this Agreement. Authorized use of Ask Kes within the Service is permitted.

4. Restrictions on Use and Reproduction

You shall not:

• Resell, redistribute, broadcast, or otherwise transfer any materials from the Site
• Use any material in a searchable, machine-readable database or file except via authorized access
• Print, copy, or reproduce content (including through screenshots, screen recording, or similar technologies) beyond the limited personal use license granted herein
• Share your account credentials with any other person or allow multiple people to use a single account
• Utilize any part of the Site's content—including licensed questions or study materials—to develop, train, or improve external artificial intelligence, machine learning systems, or other automated systems; authorized use of Ask Kes within the Service is permitted
• Reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying structure of any software provided on the Site
• Create competing products or services using our content, methodology, or materials
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices

Any unauthorized use of the content may result in immediate termination of your access without refund and legal action, including claims for damages and injunctive relief, subject to any rights that cannot lawfully be waived.

5. Age Requirements

The Site is intended for adults 18 years or older. Users under 13 are not permitted to use the Site. By using the Site, you confirm that you meet the applicable age requirements and, if under 18, that you are using the Site under the supervision of a parent or legal guardian who has agreed to these terms.

6. Educational Purpose and Content Disclaimers

6.1 Educational Purpose Only

The Service is designed solely as an educational tool to help you prepare for the Uniform CPA Examination. The content provided is for exam preparation purposes only and is NOT intended to be, and should NOT be construed as:

• Professional accounting advice
• Professional auditing advice
• Tax advice or tax preparation guidance
• Legal advice
• Financial planning or investment advice
• Guidance for actual professional practice
• A substitute for professional judgment in any real-world situation

6.2 No Guarantee of Accuracy

WE DO NOT GUARANTEE THE ACCURACY, COMPLETENESS, OR CURRENTNESS OF ANY CONTENT ON THE SERVICE.

While we strive to provide accurate and up-to-date study materials, you acknowledge and agree that:

• Errors may exist. Despite our best efforts, our content may contain errors, inaccuracies, omissions, or outdated information. We disclaim all liability for any such errors.
• Standards change frequently. Accounting standards (GAAP, IFRS), auditing standards (GAAS, PCAOB), tax laws (IRC, Treasury Regulations), and government accounting standards (GASB, FASAB) are subject to frequent changes, updates, and new interpretations. Our content may not reflect the most recent changes.
• Exam content evolves. The AICPA periodically updates the CPA Exam Blueprints, question formats, content specifications, and testing procedures. Our materials may not immediately reflect all changes to the exam.
• Third-party content limitations. Some content is licensed from third parties, including McGraw Hill and the AICPA. We do not control this content and cannot guarantee its accuracy or currentness.
• Explanations are simplified. For educational purposes, complex topics may be simplified or generalized in ways that do not capture every exception, nuance, or real-world application.
• Regional variations exist. Tax laws and certain regulations vary by jurisdiction. Our content generally focuses on federal requirements and may not address state, local, or international variations.

6.3 No Guarantee of Exam Success; Separate Conditional Benefit

Any statistics, pass rates, score improvements, or testimonials displayed on the Site are provided for informational purposes only and do not constitute a guarantee or warranty of any kind. Individual results vary significantly.

The Max Pass Guarantee in Section 13.10 is a specific, conditional retake-support benefit, not a promise of a passing result. This section does not limit that benefit or the separate refund rights described in our Refund & Cancellation Policy.

6.4 Your Responsibility to Verify

You are solely responsible for:

• Verifying any information against authoritative sources before relying on it
• Staying informed about changes to exam content, format, and requirements
• Consulting the official CPA Exam Blueprints and AICPA guidance
• Seeking professional advice for any real-world application of concepts
• Determining the suitability of our materials for your individual learning needs

6.5 Limitation on Reliance

YOU EXPRESSLY AGREE THAT YOUR USE OF THE SERVICE AND RELIANCE ON ANY CONTENT IS AT YOUR SOLE RISK. We shall not be liable for any decisions you make, actions you take, or outcomes you experience based on the content provided through the Service, whether related to the CPA Exam or otherwise. This limitation does not reduce any refund due under our Refund & Cancellation Policy or any payment expressly due under the Max Pass Guarantee.

7. Accessibility

KESLER CPA REVIEW is committed to ensuring that our Site is accessible to all users, including those with disabilities. We strive to follow recognized accessibility standards (such as the Web Content Accessibility Guidelines [WCAG] 2.1 Level AA) and are continually working to improve the accessibility of our content and services.

If you experience any difficulties accessing any part of the Site or require accommodations, please contact us at support@keslercpareview.com. We will make every effort to provide you with the necessary assistance.

8. Ownership and Intellectual Property

All content on the Site—including text, graphics, logos, images, software, study methodologies, question explanations, and other materials—is owned by or licensed to Anything Online or its content providers and is protected by United States and international copyright, trademark, and other intellectual property laws.

Except as expressly provided in this Agreement, no rights to such materials are granted to you. The licensed McGraw Hill content, including the AICPA practice questions, is subject to its own copyright and license restrictions.

"Kesler CPA Review," the Kesler CPA Review logo, and related marks are trademarks of Anything Online, LLC. You may not use these marks without our prior written permission.

9. User Content and Conduct

Any content you upload, submit, or create using the Site ("User Content"), including but not limited to custom flashcards, notes, highlights, support tickets, feedback, and community posts, must not:

• Infringe upon the intellectual property rights of any third party
• Contain unlawful, defamatory, obscene, or offensive material
• Contain malware, viruses, or harmful code
• Violate any applicable law or regulation
• Impersonate any person or entity

By submitting User Content, you grant us a worldwide, irrevocable, perpetual, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, and distribute such content solely in connection with providing and improving the Site's services.

You retain ownership of your User Content, but you acknowledge that we may retain backup copies and that certain User Content may not be recoverable after account deletion.

10. Account Registration and Security

When registering for an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the confidentiality of your account credentials
• Not share your account with any other person
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized access or security breach

We reserve the right to suspend or terminate accounts that violate these terms, including accounts that appear to be shared among multiple users.

11. Account Deletion

You may delete your account at any time by following the instructions in your account settings or by contacting us at support@keslercpareview.com. Upon account deletion:

• Your personal information will be deleted in accordance with our Privacy Policy
• Your study progress, custom content, and User Content will be permanently deleted
• Any active subscription should be cancelled before deletion; we are not responsible for charges incurred after account deletion if you fail to cancel
• Deletion is permanent and cannot be undone

If you have unused Print Credit, an outstanding print order, or a pending refund or Max Pass Guarantee claim, contact support before deleting your account so we can explain the effect on access to those records and any outstanding request. Account deletion does not itself request a refund or redeem Print Credit.

12. Modifications to the Service

We reserve the right to modify, update, suspend, or discontinue the Site or any portion thereof, including content, features, or functionality, subject to applicable law and the advance-notice obligations described in Section 13 for changes to subscription terms.

We may add, remove, or update content as our CPA Exam preparation materials evolve. If a change affects the price, billing frequency, or materially changes the included features of an active subscription, we will provide the advance written notice described in Section 13.8.

We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service except as otherwise required by applicable law or expressly stated in this Agreement. If we discontinue the Service entirely, we will provide reasonable notice and, where applicable, prorated refunds for prepaid subscription periods.

13. Payment, Membership Benefits, Refunds, and Cancellations

13.1 Payment Processing

By purchasing a subscription or product from Kesler CPA Review, you agree to pay the fees disclosed at the time of purchase. All prices and benefit amounts are in United States Dollars unless otherwise specified.

Payment processing is handled through our third-party payment providers. We do not store your complete payment card information on our servers.

A one-time membership purchase, including Max, does not automatically renew. If you finance your purchase through Klarna, Afterpay, PayPal, or another provider, your repayments are governed by that provider's agreement. Requesting a Kesler refund does not itself cancel your financing agreement. Approved refunds are processed through the applicable payment provider under its terms.

13.2 Subscription Renewals and Section Access

If you purchase a monthly or weekly subscription rather than a one-time access option, your subscription will automatically renew unless you cancel it.

CPA review memberships provide full access to one active CPA Exam section at a time. You may request to change your active section up to two (2) times every 30 days. Contact support if you need help switching.

13.3 30-Day Money-Back Guarantee

First-time Kesler CPA Review customers may request a refund of their first membership payment within thirty (30) days of that payment, subject to the included Print Credit deduction in our Refund & Cancellation Policy. Returning customers and subsequent recurring payments do not receive a new 30-day guarantee.

There are no study-progress, course-completion, usage, score, or other performance requirements for this 30-day guarantee. The preparation requirements for the separate Max Pass Guarantee do not apply to this refund.

Email support@keslercpareview.com within the 30-day period with your account email, order information, and reason for requesting the refund. Your reason does not determine eligibility.

When our printing partner accepts your order, any included Print Credit used from the membership being refunded reduces your eligible membership refund. Separately purchased Print Credit does not reduce that refund. The Refund & Cancellation Policy explains the calculation, pending orders, cancellations, and previous refunds.

A refund under this guarantee ends the access and benefits included with that membership, cancels its recurring payments, and removes its unused included Print Credit. Separately purchased benefits and credit from other purchases or unrelated promotions remain subject to their own terms. A confirmed partial or full Max membership refund also ends its included unlimited Ask Kes access and Pass Guarantee coverage.

13.4 Subscription Cancellation

You may cancel your subscription at any time using any of the following methods:

• Online: Log in at https://app.keslercpareview.com/profile and select "Manage Account."
• Email: Send a cancellation request to support@keslercpareview.com.
• Contact Form: Submit a request through our Contact Form.

Ordinary cancellation takes effect at the end of your current billing period. You will retain membership access through the period you have already paid for. No further recurring charges will be made after cancellation is processed. Cancellation does not itself issue a refund.

To avoid being charged for the next billing cycle, please submit your cancellation request at least three (3) business days before your next scheduled payment date. Your billing date is available at https://app.keslercpareview.com/profile.

You will receive an email confirmation within one (1) business day after your cancellation is processed. If you do not receive a confirmation, contact support@keslercpareview.com.

If you cancel, you may re-subscribe later, subject to current pricing and availability. Re-subscribing does not give you another first-time customer refund guarantee or Monthly Print Credit reward. Cancellation removes unused Monthly reward credit as explained in Section 13.7, even though membership access continues through your paid billing period.

13.5 Subscription Pauses

Active subscription memberships may be paused for either 30 days or 60 days.

During an approved pause period, subscription billing is suspended and your study progress and account data are preserved. You may request a pause through your account settings or by contacting support@keslercpareview.com.

A pause temporarily suspends the membership. It is not the same as cancellation. If you want to stop future recurring charges rather than temporarily suspend your membership, you must cancel the subscription.

Pausing removes unused Monthly reward credit under Section 13.7; resuming does not restore it. Separately purchased credit and credit from other purchases or unrelated promotions are not removed because of the pause.

13.6 Unlimited Course Access and NTS Renewal

For security and anti-piracy measures, one-time Unlimited Access memberships, including Complete/Unlimited and Max, deactivate after 12 months. If you still have an active Notice to Schedule (NTS), email a screenshot to support@keslercpareview.com. After reviewing your request, we may renew CPA course access for another 12 months at no additional charge so you can continue using your materials until you pass.

Course access, unlimited Ask Kes, and Pass Guarantee coverage are separate benefits. Renewing course access with an NTS does not extend Max's original 12-month unlimited Ask Kes period or Pass Guarantee coverage, give you additional guarantee payments, or add Print Credit. Monthly memberships remain subject to their subscription terms.

13.7 Print Credit and Printed Materials

Print Credit is a balance in your Kesler account, measured in U.S. dollars, that you can use for eligible printed textbooks and Study Notes. It cannot be redeemed for cash. The amount included with your membership depends on the offer you purchased.

• Current Max offer: Includes $720 in Print Credit.
• Eligible Unlimited offer: Includes $60 in Print Credit when you purchase.
• Eligible new-customer Monthly offer: You earn a one-time $60 Print Credit reward after your third consecutive successful payment: your signup payment and two renewal payments. Time alone does not earn the reward. Existing customers do not become eligible by restarting a subscription or making another renewal payment. Canceling, pausing, receiving a refund, or otherwise interrupting your payments removes unused Monthly reward credit. Restarting or making a late payment does not restore that credit or earn another reward.

At current member redemption prices, printed Study Notes use $60 per section and textbooks use $120 per section. For example, $720 covers four textbooks and four Study Notes at those prices. Credit represents dollar value rather than a permanently fixed number of books. Review the current item, edition, credit price, destination availability, shipping and tax terms, and delivery estimate before confirming a redemption.

Buying a membership or additional credit does not automatically order or ship materials. You must choose the materials, confirm your shipping details, and redeem sufficient credit. Purchasing additional credit does not reserve a title, edition, price, or delivery date.

When you order materials, we use available credit included with Max first, followed by other membership credit, other promotional or goodwill credit, and then separately purchased credit. Before you confirm, the order review shows which credit will be used and how the order affects your eligible membership refund.

Separately purchased Print Credit is nonrefundable and not redeemable for cash, subject to rights required by law. A membership refund removes unused credit included with that membership. It does not remove separately purchased credit or credit from other purchases or unrelated promotions. You can still use that remaining credit and view your order history through your account, even without active course access. Purchasing additional credit at member prices requires an eligible active paid membership.

Printed materials are produced to order. Included credit used for an order reduces your eligible membership refund when our printing partner accepts that order. A confirmed eligible cancellation before production can remove the deduction. Textbooks purchased directly for cash have separate terms because those orders are processed immediately. See the Refund & Cancellation Policy for cancellations, refunds, and help with damaged or incorrect items.

13.8 Subscription Changes and Advance Notice

Kesler CPA Review will provide at least seven (7) days' advance written notice, sent to the email address associated with your account, before changes to your subscription terms take effect, including price increases, changes to billing frequency, or material modifications to included subscription features.

You may cancel your subscription before the changes take effect using any of the cancellation methods described above. If applicable law requires a longer notice period or additional disclosures, we will follow the applicable legal requirements.

13.9 Ask Kes Usage and Unlimited Personal Study

Ask Kes is an AI-powered exam-preparation tool for technical explanations and study coaching. Its responses may be incomplete or incorrect and remain subject to the educational disclaimers in Section 6. Ask Kes access does not unlock CPA course content that your membership otherwise does not include.

Trial Access

Trial access includes five (5) lifetime questions per user. Starting a new conversation, changing sections, or returning to a trial does not reset that allowance.

Standard Paid Allowance

Eligible paid CPA members who do not have unlimited Ask Kes access receive 3,000 usage units per calendar month. A technical question uses 10 units; a study-coaching question uses 1 unit. You can ask up to 300 technical questions, 3,000 coaching questions, or a combination within that allowance.

The following shared rolling limits also apply:

Technical and coaching questions share these limits across all conversations and CPA sections; each column is an example, not an additional allowance. Your monthly allowance resets at midnight UTC on the first day of each calendar month, regardless of your billing date. Unused units do not roll over. The shorter limits count your use during the preceding 5 minutes, 1 hour, or 24 hours, so you can ask more questions as earlier questions fall outside those periods. Starting another conversation, switching sections, or changing plans does not reset your usage.

Unlimited Ask Kes with Max or Accounting Copilot

Max includes unlimited Ask Kes for the first twelve (12) calendar months from your original Max purchase, calculated in U.S. Eastern Time, including daylight saving time, while your qualifying membership remains valid. During that period, the standard monthly and shorter usage allowances above do not apply.

Renewing CPA course access with an NTS, changing sections, or purchasing Max again does not restart that 12-month period. When it ends, you receive the standard allowance if you still have eligible paid CPA access, unless you have unlimited access through Accounting Copilot.

A separately paid Accounting Copilot subscription provides unlimited Ask Kes while both that subscription and your required paid CPA access remain valid. A confirmed Max membership refund, including a partial refund, ends the unlimited Ask Kes access included with Max. It does not cancel a separately valid paid Copilot subscription.

Fair Use and Service Protections

Unlimited access is for one person's personal exam study. Account sharing, automated requests, scraping, bulk extraction of content, and bypassing usage or access controls are prohibited. You may have only one question being processed at a time across all tabs and devices, and may submit no more than ten separate requests in any 60-second period. Response times vary.

You must remain signed in and meet the access requirements for your plan. We may temporarily limit use to protect account security, prevent misuse, or maintain service availability. Errors or service interruptions may occur. Your account shows your applicable allowance and the end date of Max's included unlimited period, where applicable.

13.10 Conditional Max Pass Guarantee

The Max Pass Guarantee provides $250 toward a retake after an approved first qualifying failure in a covered CPA Exam section. It is separate from the 30-day money-back guarantee, is not a refund of your membership price, and does not promise any particular exam result.

Eligible Membership and Benefit Limits

This benefit is included with an eligible direct Max purchase. Monthly and Unlimited/Complete memberships do not include it, and customers who previously purchased a paid Monthly or Unlimited/Complete membership do not gain Pass Guarantee eligibility by later purchasing Max. Free-trial study may qualify as described below. Receiving Print Credit alone does not create guarantee coverage.

You may receive one $250 benefit per distinct CPA Exam section, for up to four distinct sections and $1,000 total. Different discipline sections count as different sections and each uses one of the four available benefits. A second failure in a section does not create another benefit for that section.

A failure before joining Max does not, by itself, disqualify you. The benefit applies to your first qualifying failure in that section while covered by Max.

Coverage Period

You must take the covered exam within your original twelve (12) calendar months of Max membership, before the anniversary date. Coverage dates and study periods use U.S. Eastern Time, including daylight saving time. For example, if you join on October 6, 2026, you must take the covered exam before October 6, 2027. An exam on the anniversary date is outside coverage.

You may reschedule an exam and update the actual exam date in your Kesler study plan; the study windows will follow that date. Rescheduling, repurchasing, or NTS-based course reactivation does not restart or extend coverage or replenish benefits already used. A score received after coverage ends may still support a claim if the exam occurred during coverage and the claim is submitted on time.

Preparation Requirements

For each exam section you want covered, you must:

1. Complete all modules of the Kesler CPA Mentorship course.
2. Create a Kesler study plan and save your actual exam date.
3. Answer at least 750 distinct practice MCQs for that section within the eligible study-history period described below.
4. Answer at least 300 distinct practice MCQs in the final 30 calendar days, including exam day.
5. Achieve at least 70% accuracy across the counted practice answers in that 30-day window.
6. Complete at least one mock exam for that section with at least 70% overall accuracy, including task-based simulations, in the final 14 calendar days, including exam day.

All requirements must be met by the end of the exam day saved in your study plan. The 30-day period includes that day and the preceding 29 calendar days; the 14-day period includes that day and the preceding 13 calendar days. Activity throughout exam day counts. Your Big Day Ready progress may change until that day ends; completing the tracker does not automatically approve a claim.

How Study Activity Counts

• Section-specific activity: Counts and scores from different CPA sections are not combined.
• Distinct questions: Each distinct practice question counts once toward the 750-question requirement. For the recent 30-day count and accuracy, each distinct question counts once using its first scored answer within that window. A question studied before the window may count when answered within it, but repeated answers inside the window do not add to the count or replace the first scored answer.
• Actual accuracy: Practice accuracy is calculated across counted answers, not by averaging quiz percentages. A result below 70% does not qualify through rounding.
• Mock exams: Mock questions do not count toward practice MCQ totals or practice accuracy. The mock requirement uses overall accuracy, including simulations.
• Eligible history: Question and mock activity must be recorded in Kesler and may include activity from up to 30 calendar days before joining Max, including trial study, through the applicable exam-day cutoff. Older question activity and study from other providers cannot substitute for these tracked requirements. A previously completed Kesler mentorship course does not need to be repeated solely because it predates this question-history window.
• Resets: Resetting study categories does not create extra distinct-question credit or erase original answer history used to evaluate eligibility.

Submitting a Claim

Email support@keslercpareview.com within thirty (30) days of receiving your failed exam score. Include:

• Your Kesler account email
• The exam section and actual exam date
• A screenshot of your official failed score
• Your Notice to Schedule (NTS) for that exam

We review your documents, coverage dates, recorded preparation activity, and prior benefits to determine eligibility. Each approved claim provides $250 toward the retake. Submitting documents or seeing a completed tracker indicator does not automatically approve a claim.

Refunds, Chargebacks, and Financing

A confirmed refund or chargeback of the qualifying Max membership, including a partial membership refund, ends Pass Guarantee eligibility, including pending claims and benefits not yet paid. Purchasing again or reversing a dispute does not automatically restore coverage or reset benefit limits. A refund of separately purchased Print Credit does not count as a Max membership refund.

Financing your purchase through Klarna, Afterpay, PayPal, or another provider does not create a new guarantee period. Overdue Klarna installments do not, by themselves, affect Pass Guarantee coverage. Your repayment obligations remain governed by your financing agreement.

14. Prohibited Conduct

You agree not to use the Site for any unlawful purpose or in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party's use and enjoyment of the Site. Prohibited conduct includes, but is not limited to:

• Using bots, crawlers, scrapers, or other automated means to access the Site, except as permitted by public search engines
• Attempting to circumvent any security measures, access controls, or copy protection
• Accessing or attempting to access accounts or data belonging to other users
• Uploading or transmitting viruses, malware, or harmful code
• Engaging in any activity that disrupts or interferes with the Service
• Using the Service to send spam, phishing attempts, or unsolicited communications
• Impersonating any person or entity, including Kesler CPA Review staff
• Using the Service in violation of any applicable law or regulation

15. Disclaimer of Warranties

Nothing in this section reduces any refund due under our Refund & Cancellation Policy or any payment expressly due under the conditional Max Pass Guarantee.

16. Limitation of Liability

These exclusions and limits do not reduce any refund due under our Refund & Cancellation Policy or any payment expressly due under the Max Pass Guarantee. The guarantee's $1,000 benefit limit applies to that benefit and does not replace the general liability provisions above. Nothing in this Agreement limits rights that cannot lawfully be waived.

17. Indemnification

You agree to indemnify, defend, and hold harmless Anything Online, LLC, its affiliates, licensors (including McGraw Hill and the AICPA), and their respective officers, directors, employees, agents, and successors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your breach of this Agreement
• Your use of the Site or Service
• Your User Content
• Your violation of any law or the rights of any third party
• Any claim that your use of the Service caused damage to a third party

18. Dispute Resolution and Arbitration

18.1 Informal Resolution

Before initiating any formal dispute resolution, you agree to first contact us at support@keslercpareview.com and attempt to resolve the dispute informally for at least 30 days.

18.2 Binding Arbitration

If we cannot resolve the dispute informally, you and Anything Online agree that any dispute, claim, or controversy arising out of or relating to this Agreement or the Service shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Consumer Arbitration Rules.

The arbitration shall be conducted in Mecklenburg County, North Carolina, or at another mutually agreed location. The arbitrator's decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

18.3 Class Action Waiver

YOU AND ANYTHING ONLINE 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, CONSOLIDATED, OR REPRESENTATIVE ACTION. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding.

18.4 Exceptions

Notwithstanding the above, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights.

19. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of North Carolina, United States, without regard to its conflict of laws principles. To the extent that any lawsuit or court proceeding is permitted hereunder, you agree to submit to the exclusive personal jurisdiction of the state and federal courts located in Mecklenburg County, North Carolina.

20. Changes to Terms

We reserve the right to modify this Agreement from time to time. We will post the updated terms on the Site and update the "Last Updated" date when changes are made.

For changes to subscription terms, including price increases, changes to billing frequency, or material modifications to included subscription features, we will provide at least seven (7) days' advance written notice to the email address associated with your account before those changes take effect. If applicable law requires a longer notice period or additional disclosures, we will follow the applicable legal requirements.

Your continued use of the Service after an applicable change takes effect constitutes your acceptance of the updated Agreement. If you do not agree to the modified terms, you must stop using the Service and, if applicable, cancel your subscription before the change takes effect.

Your benefits and included Print Credit are based on the offer you purchased. Later offers do not automatically change those benefits. Any changes to your subscription terms remain subject to the notice obligations above.

21. Severability

If any provision of this Agreement is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such invalidity shall not affect the validity of the remaining provisions, which shall remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the parties' original intent.

22. Waiver

Our failure to enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision. Any waiver of any provision of this Agreement will be effective only if in writing and signed by us.

23. Assignment

You may not assign or transfer this Agreement or your rights hereunder without our prior written consent. We may assign this Agreement without restriction. This Agreement shall be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.

24. Entire Agreement

This Agreement, together with our Privacy Policy, our Refund & Cancellation Policy, and any other agreements expressly incorporated by reference, constitutes the entire agreement between you and Anything Online regarding your use of the Site and supersedes all prior and contemporaneous agreements, proposals, and communications, written or oral.

25. Contact Information

If you have any questions or concerns about these Terms of Use or the Service, please contact us at:

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