Terms of Use

Version 1.0

Effective Date: September 4, 2026

Last Updated: September 4, 2026

These Website Terms of Use (“Terms”) govern your access to and use of the Legacy Baby Registry™ website, platform, applications, content, tools, calculators, resources, and other services made available by Universolutions Inc., a Florida corporation (“Universolutions,” “Legacy Baby Registry,” “LBR,” “we,” “us,” or “our”).

Our current notice address is:

Universolutions Inc.

151 Lakeview Dr. #206

Weston, FL 33326

United States

Email: support@legacybabyregistry.com

By accessing or using the LBR website or services, you agree to these Terms. If you create an account, Registry, Affiliate account, Agent account, or use another service governed by additional terms, those additional agreements also apply.

LBR accounts are intended for adults age 18 or older.

Children may not create LBR accounts.

An adult may provide appropriate information concerning a child in connection with a Registry or family-planning feature, subject to these Terms, the Client & Family Terms, our Privacy Policy, and applicable law.

You represent that information you provide is accurate and that you have the legal authority or appropriate permission to provide it.

Certain LBR services are governed by additional agreements, disclosures, standards, or schedules.

These may include:

• Client & Family Terms;
• Registry Gift Disclosure & Acknowledgment;
• Affiliate Agreement;
• Legacy Baby Registry Agent Agreement;
• Partner Referral Compensation Schedule;
• Individual Compensation Addendum;
• Insurance Producer Compensation Agreement;
• Brand & Marketing Standards; and
• Agent Product & Carrier Standards.

If a specific agreement conflicts with these Website Terms concerning a service governed by that specific agreement, the more specific agreement controls for that subject.

LBR provides educational, organizational, planning, Registry, referral, and technology services.

Unless expressly stated otherwise in a separate written professional engagement, LBR does not provide legal, tax, accounting, investment, securities, financial-planning, medical, or insurance advice.

Information provided through LBR is general educational information and is not a substitute for advice from an appropriately licensed or qualified professional who understands your individual circumstances.

You remain responsible for decisions you make based on information available through the platform.

LBR may provide educational resources including the Family Legacy Blueprint, calculators, assessments, worksheets, planning guides, financial-foundation tools, protection-needs tools, guardian-planning resources, Registry ideas, and similar materials.

These resources may use assumptions, user-provided information, estimates, mathematical models, or generalized educational principles.

Results are illustrations or educational estimates only.

LBR does not guarantee that:

• a calculator result is appropriate for your particular situation;
• a planning recommendation is legally sufficient;
• any projected financial result will occur;
• a particular insurance product will be available or approved;
• any professional will agree with an educational result; or
• use of the resources will produce a particular legal, financial, insurance, tax, or investment outcome.

LBR may provide general educational information about life insurance, savings, financial protection, family financial foundations, retirement, legacy planning, and related topics.

Insurance products and availability vary by state, insurer, underwriting requirements, licensing, appointment, and individual circumstances.

Any insurance recommendation, application, illustration, suitability determination, sale, or professional advice must be provided by the properly licensed professional responsible for that activity.

LBR participation does not guarantee insurance eligibility, approval, pricing, underwriting classification, benefit amount, or policy performance.

LBR may help users request contact with licensed insurance agents, attorneys, financial professionals, tax professionals, or other independent providers.

These introductions may be referred to as Service Requests.

Unless expressly stated otherwise, professionals connected through LBR are independent from Universolutions and are individually responsible for:

• their professional advice;
• licensing;
• credentials;
• suitability or best-interest obligations;
• recommendations;
• professional services;
• regulatory compliance; and
• agreements directly entered into with the user.

LBR does not guarantee that a professional will accept a Service Request, contact a user within a particular period, recommend a particular solution, or produce a particular result.

Universolutions, LBR, its owners, Affiliates, Agents, or related businesses may receive lawful economic benefits arising from activity connected with the platform.

Depending on the relationship, these may include:

• membership revenue;
• subscription fees;
• referral compensation;
• affiliate compensation;
• advertising or promotional compensation;
• professional referral fees where lawful; or
• insurance compensation paid directly to properly licensed and appointed insurance producers where permitted by law and carrier rules.

A financial relationship does not eliminate the independent legal or professional duties of a licensed professional.

Where a separate disclosure is required, it will be provided.

LBR allows adults to create and interact with family Registries and Registry Goals.

Registry information is provided by users.

LBR does not independently guarantee the truth, accuracy, completeness, identity, family relationship, financial need, stated intended use, or circumstances represented by a Registry.

LBR may investigate suspicious activity, request verification, restrict access, suspend a Registry, or remove content where appropriate.

Additional rules governing Registry Owners and families appear in the Client & Family Terms.

A Registry Goal generally identifies the family’s stated intended use for a gift or contribution.

Unless expressly stated otherwise through a separate legally enforceable arrangement, a gift made to a family or designated recipient is generally a personal gift and not a trust, escrow deposit, restricted charitable contribution, or LBR-administered fund.

LBR does not guarantee how a family ultimately uses a gift.

Givers may be required to acknowledge the Registry Gift Disclosure & Acknowledgment before continuing to an external payment or Registry destination.

LBR may allow a family to provide or connect links to third-party services, including payment applications, crowdfunding platforms, Registry services, financial institutions, retailers, or similar destinations.

At present, LBR may facilitate access to third-party destinations but generally does not take possession or custody of family Registry gifts.

Unless expressly stated for a future payment service:

LBR is not acting as:

• a bank;
• an escrow company;
• a trustee;
• a custodian;
• a charitable organization;
• a financial institution; or
• a money transmitter with respect to a family gift sent through an independent provider.

Third-party services have their own terms, privacy policies, fees, dispute procedures, refund rules, eligibility criteria, security measures, and availability.

LBR is not responsible for the independent acts, omissions, outages, policies, or decisions of those providers.

LBR may introduce integrated payment functionality in the future. Any such service may be governed by additional disclosures or terms.

You are responsible for maintaining the confidentiality and security of your account credentials.

You agree to promptly notify LBR if you reasonably believe:

• your account has been accessed without authorization;
• credentials have been compromised;
• account information has been altered without permission; or
• another security issue affects your account.

You may not access another user’s account without authorization or attempt to defeat LBR’s authentication, authorization, verification, security, rate-limiting, or fraud-prevention controls.

You may not use LBR to:

• commit fraud;
• impersonate another person;
• materially misrepresent a family, Registry, identity, need, or relationship;
• conduct money laundering or unlawful financial activity;
• solicit funds for illegal purposes;
• engage in deceptive fundraising;
• violate the rights of another person;
• introduce malicious code;
• scrape or harvest non-public information without authorization;
• circumvent platform security;
• interfere with platform operation;
• harass or threaten another user;
• infringe intellectual-property rights;
• use stolen or unauthorized payment information;
• promote prohibited goods or services; or
• engage in activity that violates applicable law.

LBR may investigate suspected violations and may cooperate with payment providers, financial institutions, insurers, professional regulators, law enforcement, courts, or other appropriate authorities when legally permitted or required.

LBR may use reasonable verification and fraud-prevention measures, including account, email, telephone, payment-ownership, identity, behavioral, technical, or other verification methods.

Some verification measures may be performed by third parties.

A verification result or optional verification designation reduces certain risks but does not guarantee that a user, Registry, identity, family story, need, transaction, or intended use is genuine or risk-free.

LBR may deny, withdraw, or modify a verification designation when appropriate.

The LBR platform and materials made available through it may include software, designs, text, graphics, trademarks, service marks, logos, workflows, educational frameworks, assessments, calculators, worksheets, videos, templates, Registry systems, QR campaigns, marketing materials, Family Legacy Blueprint materials, Legacy Generation System™ materials, and other content.

Such materials are owned by or licensed to Universolutions Inc. or the applicable rights holder.

Except as expressly authorized, you may not:

• reproduce;
• republish;
• sell;
• sublicense;
• distribute;
• scrape;
• reverse engineer;
• create unauthorized derivative commercial works from; or
• remove proprietary notices from

protected LBR materials.

Nothing in these Terms transfers ownership of LBR intellectual property to you.

You retain any ownership rights you otherwise possess in content you submit.

You grant Universolutions a nonexclusive, worldwide, royalty-free license to host, store, reproduce, format, display, transmit, and otherwise process that content as reasonably necessary to operate, secure, improve, administer, and provide the services you requested.

Public Registry content may be displayed to people who access the Registry.

Private information is handled according to our Privacy Policy and applicable platform permissions.

You represent that you have sufficient rights and permissions to submit the content you provide.

LBR may link to or integrate with websites, applications, professionals, financial providers, insurers, retailers, Registries, scheduling providers, or other third parties.

A link or integration does not constitute a guarantee or blanket endorsement of the third party.

We are not responsible for third-party availability, security, information, products, professional advice, contracts, conduct, or privacy practices.

Our collection and use of personal information are described in the LBR Privacy Policy.

Acceptance of these Website Terms or another LBR agreement does not by itself constitute consent to receive optional marketing communications.

LBR may send communications reasonably necessary to provide or administer a requested service, including:

• account notices;
• security and verification messages;
• Registry activity;
• billing notices;
• application status;
• Service Requests;
• scheduling communications;
• legal notices; and
• similar transactional or relationship communications.

Optional marketing communications are governed separately by your consent and communication preferences.

We strive to keep LBR available and secure, but the platform is provided subject to maintenance, updates, third-party dependencies, network availability, security events, force majeure, and technical limitations.

We do not guarantee uninterrupted or error-free operation.

We may change, suspend, discontinue, repair, update, or restrict features where reasonably necessary.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LBR AND ITS WEBSITE, PLATFORM, CONTENT, TOOLS, CALCULATORS, REGISTRY FEATURES, REFERRALS, AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

UNIVERSOLUTIONS DISCLAIMS WARRANTIES THAT MAY OTHERWISE ARISE BY LAW, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, TO THE EXTENT SUCH WARRANTIES MAY LAWFULLY BE DISCLAIMED.

LBR DOES NOT WARRANT OR GUARANTEE:

• A PARTICULAR NUMBER OR AMOUNT OF GIFTS;
• REGISTRY CONTRIBUTIONS;
• PROFESSIONAL APPOINTMENTS;
• INSURANCE APPROVAL;
• FINANCIAL RESULTS;
• LEADS;
• PARTNER REVENUE;
• PROFESSIONAL OUTCOMES;
• TAX RESULTS;
• INVESTMENT RESULTS;
• ERROR-FREE OPERATION; OR
• CONTINUOUS PLATFORM AVAILABILITY.

Nothing in these Terms excludes a warranty or right that cannot lawfully be excluded.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, UNIVERSOLUTIONS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AND AUTHORIZED REPRESENTATIVES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, LOST OPPORTUNITY, LOSS OF GOODWILL, OR SIMILAR LOSSES ARISING FROM OR RELATED TO YOUR USE OF LBR.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNIVERSOLUTIONS’ TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE WEBSITE, PLATFORM, OR THESE TERMS WILL NOT EXCEED THE GREATER OF:

(A) $100; OR

(B) THE AMOUNTS YOU PAID DIRECTLY TO UNIVERSOLUTIONS DURING THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

A separate paid-service agreement may establish a different limitation for that service.

These limitations do not apply where applicable law prohibits the limitation or exclusion.

To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless Universolutions and its officers, directors, employees, and authorized representatives from third-party claims, damages, liabilities, judgments, penalties, costs, and reasonable attorneys’ fees arising from or relating to:

• your material violation of these Terms;
• content you submit;
• your unlawful use of the services;
• your fraud or material misrepresentation;
• your infringement or violation of another person’s rights; or
• your unauthorized use or disclosure of another person’s information.

This provision does not require you to indemnify a party for liability that applicable law prohibits that party from shifting to you.

LBR may restrict, suspend, or terminate access where reasonably necessary because of:

• fraud;
• security risk;
• unlawful activity;
• material breach of applicable agreements;
• payment failure for a paid service;
• regulatory concerns;
• abuse;
• harassment;
• intellectual-property violations;
• material misrepresentation;
• threats to users or platform operation; or
• other serious misuse.

Where appropriate, LBR may provide notice or an opportunity to resolve the issue.

Certain rights and obligations survive termination, including those involving accrued payment obligations, intellectual property, confidentiality, liability, indemnification, dispute resolution, and historical records.

23.1 Informal Resolution

Before initiating mediation or arbitration, the party asserting a dispute must provide written notice describing the nature of the dispute and the relief requested.

The parties will then attempt in good faith to resolve the matter informally for 30 days after receipt of the notice.

Notice to LBR should be sent to:

support@legacybabyregistry.com

and, where appropriate, to the current notice address identified in these Terms.

23.2 Mediation

If the dispute is not resolved during the 30-day informal-resolution period, the parties agree to first attempt to resolve the dispute through good-faith mediation before commencing arbitration, unless emergency equitable relief is reasonably necessary.

The mediation will occur in Broward County, Florida, or remotely if mutually agreed.

23.3 Individual Binding Arbitration

If mediation does not resolve the dispute, any remaining claim or controversy arising out of or relating to these Terms or the use of LBR will be resolved by individual binding arbitration, except for matters that applicable law does not permit to be arbitrated.

The arbitration agreement will be interpreted consistently with applicable federal arbitration law and the Revised Florida Arbitration Code where applicable.

The arbitration will take place in Broward County, Florida, unless the parties agree to conduct it remotely or applicable law requires another location.

A court of competent jurisdiction may determine whether an arbitration agreement exists or whether a particular dispute is subject to arbitration where the law assigns that decision to the court.

23.4 Individual Proceedings; Class-Action Waiver

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DISPUTES MUST BE BROUGHT ON AN INDIVIDUAL BASIS.

NEITHER PARTY MAY BRING OR PARTICIPATE IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION AGAINST THE OTHER TO THE EXTENT SUCH WAIVER IS ENFORCEABLE UNDER APPLICABLE LAW.

If a particular portion of this waiver is determined unenforceable, that determination will be handled according to applicable law without unnecessarily invalidating the remainder of the dispute-resolution provisions.

23.5 Court Relief

Nothing in this section prevents either party from seeking temporary or emergency injunctive relief from a court of competent jurisdiction when necessary to protect account security, confidential information, intellectual-property rights, or prevent imminent unlawful conduct.

Except to the extent federal law or another mandatory law applies, these Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules.

For matters properly proceeding in court rather than arbitration, the parties consent to jurisdiction and venue in the appropriate state or federal courts serving Broward County, Florida, except where applicable law requires otherwise.

You agree that transactions and agreements with LBR may be conducted electronically.

Your affirmative electronic action—such as checking an agreement box, selecting an acceptance control, electronically signing, or otherwise clearly indicating agreement—may constitute your electronic signature and acceptance.

LBR may retain evidence including:

• the applicable agreement version;
• acceptance timestamp;
• account identifier;
• session or request information;
• IP address where appropriate;
• browser or user-agent information; and
• an immutable or auditable acceptance record.

LBR may update these Terms.

A new version will identify its effective date.

For material changes affecting an existing contractual relationship, LBR may provide notice and may require affirmative re-acceptance where appropriate.

Nonmaterial administrative changes, formatting changes, typographical corrections, or updated contact information may not require re-acceptance.

Historical versions and acceptance records may be retained.

Universolutions is not responsible for delay or failure caused by events reasonably beyond its control, including natural disasters, severe weather, war, terrorism, civil disturbances, government action, labor disputes, widespread telecommunications failure, internet failure, cloud-provider outages, payment-network failures, cyberattacks despite reasonable safeguards, or similar events.

If a provision of these Terms is held unenforceable, the remaining provisions will remain effective to the maximum extent permitted by law, unless the unenforceable provision is so essential that enforcement of the remainder would fundamentally alter the parties’ agreement.

Failure to enforce a provision on one occasion does not waive the right to enforce that provision or another provision later.

You may not assign your rights or obligations under these Terms without Universolutions’ written consent where assignment would materially affect the relationship.

Universolutions may assign these Terms in connection with a merger, reorganization, financing, sale of substantially all relevant assets, or transfer of the LBR business, subject to applicable law.

These Terms, together with applicable additional LBR agreements and policies, constitute the agreement governing the subjects addressed by them.

Questions about these Terms may be sent to:

Universolutions Inc.

151 Lakeview Dr. #206

Weston, FL 33326

United States

support@legacybabyregistry.com