Effective Date: September 3, 2025

Introduction

These Member Terms & Conditions (“Terms”) establish the legal framework, rights, protections, and obligations governing your use of, access to, registration for, purchase of, and participation in any customer product, program, website, membership, event, service, or platform provided by SavingsHighway.com LLC (“Company”) and all related brands, DBAs, and affiliated sites controlled by the Company.

These Terms are applicable only to customers/members—not to representatives (“Reps”) or compensation plan participants, who are bound by a separate Representative Agreement.

This includes, but is not limited to: SavingsHighwayGlobal.com, MyMillionaireMastery.com, PaylessForYourBills.com, BEB360.com, the Savings Highway Store, and any additional or future domains/platforms directly operated or authorized by Company.

By registering, purchasing products, enrolling in programs, or using any such website or service (other than as a representative), you agree to abide by these Terms.

Read these Terms thoroughly—updates will be posted and/or communicated by Company. Continued use of any covered Company site or service constitutes ongoing acceptance.

All content and materials provided by the Company are for informational and educational purposes only and do not constitute legal, financial, investment, medical, or other professional advice. Members should consult their own qualified advisors prior to acting on any information provided by the Company.

IMPORTANT: By agreeing to these Terms, you waive the right to participate in any class or representative action against the Company. All disputes will be resolved individually by binding arbitration. See Section 15 for details.

Quick Reference Summary—Key Member Rights and Responsibilities

Easy Cancellation: Cancel store service subscriptions anytime via your member back office or, for memberships such as gold, platinum or titanium, by emailing us as described below.

No Hidden Charges: All membership fees, renewal terms, and refund policies are clearly disclosed in these Terms before purchase.

No Class Actions: Any disputes must be resolved individually by binding arbitration (see Section 15).

Please read the full terms below. If anything is unclear, contact support@savingshighway.com before proceeding.

SECTION 1: AGREEMENT, ACCEPTANCE, SCOPE, AND MODIFICATION

1.1 Acceptance of Terms and Binding Effect

1.1.1 By accessing, visiting, using, purchasing, enrolling in, registering for, or otherwise interacting with any Company website, product, application, membership, service, or event as a customer/member, the user (“Member,” “Customer,” “Participant,” “Visitor,” or “You”) expressly acknowledges and agrees to be fully bound by these Terms.

1.1.2 Acceptance is further deemed to occur upon checking any “I agree” box during registration, purchase, sign-in, or continued use of Company services.

1.1.3 If you do not agree, you must immediately discontinue all use and request account cancellation per Company procedure.

1.2 Scope of Application; Covered Domains and Platforms

1.2.1 These Terms govern all customer/member activities—including purchases, registrations, content interaction, participation, communication, or service consumption—on all current and future Company DBAs, brands, platforms, and affiliated domains, as referenced above.

1.2.2 These Terms supersede all prior member/customer agreements unless specifically amended in writing and acknowledged by an authorized Company executive.

1.3 Modification, Amendment, and Updates

1.3.1 Company reserves the exclusive right, at its sole discretion, to amend, update, expand, restate, or replace any part of these Terms at any time, with or without prior notice.

1.3.2 Updates or amended Terms take effect immediately upon: (a) Posting of the revised document to the primary Company website; (b) Any notice by email, member portal, or other electronic means.

1.3.3 Continued use after such notice or posting constitutes binding acceptance of all amendments.

1.3.4 Where required by law, changes apply only prospectively.

1.3.5 The Company reserves the right to change membership pricing, benefits, platforms, features, or available services at any time, with or without notice, subject to applicable refund or cancellation rights as described herein.

1.4 Notice of Amendments and Maintaining Contact Information

1.4.1 Company may notify you of amendments by any reasonable method, including website banners, popup alerts, email, portal messages, or SMS.

1.4.2 It is your responsibility to keep current, valid contact information on file; Company is not liable for non-receipt due to outdated or incorrect information.

1.4.3 The Company is committed to making its websites and services accessible to individuals with disabilities. Members seeking reasonable accommodations should contact support@savingshighway.com for assistance.

1.5 Severability and Survival

1.5.1 If any part of this Section is found unlawful or unenforceable, all unaffected provisions remain in full effect.

1.5.2 Sections relating to amendments, scope, and dispute resolution survive any expiration or termination of membership.

SECTION 2: ELIGIBILITY, AGE, RESIDENCY, AND EXCLUSION LIST

2.1 Age Requirements and Legal Capacity

Participation in any Company program, membership, event, purchase, or service is restricted to natural persons who are at least eighteen (18) years of age, or the legal age of majority in their jurisdiction, whichever is higher. No minor (person under the age of majority per applicable law) may register, purchase, enroll, or participate in any Company program or service. Any such registration or engagement by a minor is void and unenforceable. All member accounts must be established and maintained by individuals with full legal capacity to contract. Guardianship or proxy accounts are not permitted.

2.2 Residency and Geographic Restrictions

Registration, participation, or use of Company services is strictly prohibited for individuals or entities located in, ordinarily resident in, or accessing content from countries, regions, or territories subject to U.S. government sanction, embargo, or applicable trade restriction. The Company reserves sole discretion to update and enforce the exclusion list as necessitated by changes in law, policy, or government directive, with or without prior notice. Participation must comply with the laws and regulations of both the United States and the member’s local jurisdiction.

2.3 Identity Verification and Prohibited Registrations

The Company may require submission of lawful government-issued identification, verification documents, and/or other proof of identity at any time during registration, account maintenance, contest entry, or support interaction. Any attempt to register using false, fraudulent, duplicate, or third-party credentials is strictly prohibited and may result in account termination and loss of access to all membership rights. The Company reserves the right to conduct periodic audits of member accounts for compliance and authenticity.

2.4 Exclusion Authority and Termination Rights

The Company may, at its sole discretion, suspend, freeze, or permanently terminate any membership or account found to be in violation of these eligibility or residency requirements, or whose activity endangers legal or regulatory compliance for the Company or its services.

SECTION 3: ACCOUNT REGISTRATION, VERIFICATION, AND DATA PROTECTION

3.1 Registration Process and Account Credentials

To access, use, or participate in any Company program, product, membership, or platform, members must fully complete the official registration process, provide accurate and current personal information, and establish a secure account (“Account”). Each Account must be tied to a unique, valid email address and, if requested, lawful government-issued identification. Members are solely responsible for safeguarding login credentials and preventing unauthorized access to their account. Company disclaims responsibility for loss or theft of credentials not resulting from Company’s own negligence.

3.2 Identity and Information Verification

Company reserves the right to require submission of additional documents (such as government ID, proof of address, or equivalent verification evidence) prior to account activation or contest qualification. Refusal or failure to provide requested information may result in account suspension, service denial, or permanent termination at Company’s discretion. Members warrant that all information supplied is true, accurate, complete, and not misleading or fraudulent.

3.3 Data Collection, Storage, and Retention

Company collects and retains personal, financial, and verification data solely for legitimate business, compliance, regulatory, and member support purposes. Sensitive data—including government IDs and Social Security numbers—is stored using industry-standard security protocols and measures as further outlined in the Company Privacy Policy. Stored information is subject to strict access controls, staff confidentiality agreements, and regular security reviews; unauthorized personnel may not access sensitive member information.

3.4 Member Data Rights: Access, Correction, Deletion

Members may access, review, and update their personal data via the secure member portal or by written request to Company support. Members may request deletion of their personal information; all such requests will be processed as required by law, subject to Company’s own obligations for tax, fraud investigation, audit, or regulatory retention requirements. Company retains personal data for the minimum period reasonably necessary by law, agreement, or business need; requests for deletion or correction will be honored to the maximum lawful extent.

3.5 Data Breach Protocol and Notification

In the event of any breach, unauthorized access, or compromise of member data, Company will notify affected members as soon as reasonably possible and as required by law. Notices will describe the incident, information impacted, actions taken by Company, recommendations for member self-protection, and Company contact information. Company will fully cooperate with regulatory authorities in any required notifications.

3.6 Account Termination, Suspension, and Recovery

Company may suspend or terminate member accounts for violations of these Terms, submission of fraudulent data, failure to provide verification, regulatory mandates, or failure to maintain current, valid account information. Recovery of terminated accounts is at Company discretion and may require full re-verification or payment of administrative fees.

3.6 Account Termination, Suspension, and Recovery

Company may suspend or terminate member accounts for violations of these Terms, submission of fraudulent data, failure to provide verification, regulatory mandates, or failure to maintain current, valid account information. Recovery of terminated accounts is at Company discretion and may require full re-verification or payment of administrative fees.

SECTION 4: MEMBERSHIP PAYMENT, AUTO-RENEWALS, REFUNDS, AND CHARGEBACKS

4.1 Payment Requirements and Billing Procedures

All memberships, products, upgrades, services, and benefit activations require advance payment via approved Company payment methods. Only successfully completed payments entitle a member to access, services, or benefits. Members must maintain current, valid payment information. Company may suspend or terminate any service if payment is declined, delayed, or reversed. You may cancel your subscription or membership by the same method used to sign up (e.g., if you enrolled online, you may cancel online). Where required by law, you will receive a renewal notice prior to any recurring annual membership charge. In compliance with FTC rules, the Company may offer you a single customer retention or savings option when you choose to cancel. If you decline or do not wish to hear about such offers, your cancellation will be processed promptly with no further attempts to retain or delay your request.

4.2 Auto-Renewal and Subscription Continuity

Memberships and subscription services are automatically renewed at expiration unless canceled according to Company protocol. Advance notice of auto-renewal will be provided in the member portal or by email. Store services purchased may be canceled at any time by using the cancellation option in the order section of the member back office. For membership subscriptions (including Gold, Platinum, or Titanium), members must email support@savingshighway.com with their name, username, phone number, and reason for cancellation, at least five (5) business days prior to the next scheduled payment to avoid being billed for the next month. For California residents: Where required by law, the Company will provide an annual renewal notice before any recurring annual subscription charges. You may cancel your subscription or membership by the same method used to sign up (e.g., if you enrolled online, you may cancel online). Cancellation requests must be submitted via the official cancellation process at least the specified number of days prior to the renewal date to avoid further charges. The required notice period (e.g., 3 days) will be defined in the member portal or published policies.

4.3 Refund Policy and Limitations

Refunds are available only for the initial, first-time monthly membership payment if requested within seven (7) calendar days of account activation, unless a longer period is required under applicable law. No refunds will be given for recurring charges, upgrades, digital products, or benefit activations except as required by law. Once outside the refund or statutory cooling-off period, all sales are final and non-refundable.

4.4 Chargeback Policy and Dispute Resolution

Members agree to contact Company and attempt good-faith resolution of any billing dispute before pursuing a chargeback with their financial institution. Unjustified, unauthorized, or fraudulent chargebacks are a breach of these Terms and may lead to account termination and recovery actions for any resultant losses. Chargebacks for valid, authorized services already delivered may result in permanent loss of access to the Company platform or benefits.

4.5 Dispute Procedure for Payments and Billing

For payment-related disputes, members must contact Company support and submit all pertinent details and documentation within thirty (30) days of the transaction or billing event. The Company will investigate and, at its sole discretion, may issue credits, refunds, reversals, or corrections only in cases of proven error, fraud, or unfulfilled obligation.

4.6 Statutory Cooling-Off and Consumer Protection Compliance

Where U.S. federal, state, or international law grants greater refund rights, cancellation periods, or consumer protections, the longer or more protective policy will apply. The Company complies in full with all legally mandated cancellation, refund, and billing rules, but does not offer remedies beyond what is required by applicable law.

SECTION 5: SPONSORSHIP, REFERRAL, MEMBER CONDUCT, AND ASSIGNMENT

5.1 Sponsorship and Relationship Assignment

All sponsoring or referral relationships established at registration or by Company assignment are considered permanent and binding except in rare cases of abuse, fraud, regulatory intervention, or material breach of these Terms. The Company may, at its discretion, investigate and act on verified cases of abuse or violation of law or policy, including reassignment or termination of affected relationships.

5.2 Referral and Recruitment Conduct

Members may only refer or invite real, lawful, eligible individuals to join as members. The creation or referral of fake, duplicate, inactive, or fraudulent accounts is strictly prohibited. Any attempt to manipulate activities, contests, incentives, or reward systems by artificial inflation of referrals or dummy enrollments is prohibited and may result in disqualification and termination of accounts, as well as potential legal action.

5.3 Reassignment and Forfeiture Rights

In the event of confirmed sponsor or referral abuse (including but not limited to fraud, manipulation, or policy circumvention), the Company reserves the right to immediately reassign affected relationships, terminate member eligibility, and audit related accounts. All Company decisions regarding the investigation and correction of such matters are final and not subject to appeal.

5.4 Member Conduct Standards

All participants must conduct themselves in a lawful, ethical, honest, and respectful manner while engaging in Company programs, forums, events, services, or communications. Prohibited conduct includes, but is not limited to: harassment, abuse, discrimination, defamatory language, fraud, deception, misleading claims, misrepresentation of Company programs, or violation of any applicable law or standard.

5.5 Audit, Investigation, and Correction Authority

The Company reserves the right to audit, investigate, and correct any account, referral, or activity suspected of violating these Terms, with or without prior notice to the member. Members must cooperate fully with any Company audit or inquiry. Failure to cooperate with investigation procedures may result in immediate account termination and loss of all rights and access, as well as possible legal recourse.

SECTION 6: MEMBERSHIP AND ACCOUNT TERMINATION, WITHDRAWAL, AND POST-TERMINATION OBLIGATIONS

6.1 Voluntary Termination, Cancellation, and Withdrawal by Member

Members may terminate their membership or account at any time by following the official cancellation process through the secure member portal or by written request to Company support. Termination by the member is effective upon completion of the Company’s cancellation procedure and confirmation sent to the member’s email address on file. No refunds will be provided for unused membership time, previous payments, or partial service periods except as required by law or as outlined in the refund policy section.

6.2 Involuntary Termination and Expulsion by Company

Company retains the sole right to suspend, restrict, or terminate any membership or user account for reasons including (but not limited to): Violation or suspected violation of these Terms or incorporated policies, nonpayment or unresolved billing issues, submission of false, incomplete, or fraudulent information, harassment, abuse, fraud, unethical conduct, or violation of law, regulatory or compliance requirements, inactivity or failure to maintain accurate contact/payment information, conduct endangering Company, its members, staff, networks, or reputation. Company may take such action with immediate effect and without prior notice. All rights to access, benefits, or participation cease upon termination.

6.3 Notice and Appeal Process for Involuntary Termination

Company will notify the affected member of involuntary termination via email, including the reason for the action. Members may appeal in writing within fourteen (14) days by submitting supporting documentation. Appeals will be reviewed, and the Company’s final decision will be communicated to the member. The Company reserves the right to uphold, amend, or reverse the termination at its sole discretion.

6.4 Post-Termination Obligations and Effects

Upon termination, all rights and access to Company services, products, member areas, contests, and communications are immediately and permanently revoked. Outstanding obligations for payment, data return, or Company property remain enforceable after termination. The Company may retain member data as required by law, contract, or investigation needs and will delete such data pursuant to the data rights and retention protocols outlined elsewhere in these Terms.

6.5 No Service Guarantee, Reservation of Ultimate Discretion

Company reserves the right to refuse service, access, or participation to any person or entity for any reason or no reason, as permitted by law. Membership privileges are nontransferable and do not entitle any person to continued participation. The Company’s determination in all membership and termination matters is final and binding.

SECTION 7: MARKETING, INCOME CLAIMS, TESTIMONIALS, AND COMPLIANCE

7.1 Prohibition of Income, Earnings, and Lifestyle Claims

No member may make, publish, or share statements, images, testimonials, endorsements, or representations—directly or indirectly—about income, earnings, bonuses, profits, or lifestyle results that may arise from Company membership or participation. This prohibition applies to written statements, videos, live presentations, social media posts, texts, emails, images, and all similar formats. Use of “lifestyle” imagery (e.g., luxury cars, private jets, expensive homes, vacations, branded merchandise) is not permitted to suggest or imply financial success unless accompanied by the required Company compliance disclaimer and not used alongside any recruitment language.

7.2 No Recruitment or Inducement Based on Financial Outcomes

Members may not recruit, solicit, enroll, or attempt to persuade others to join based on an expectation, promise, or suggestion of financial gain, commissions, or potential income. All promotion and invitation of Company offerings must focus on product/service value, features, and educational or tangible benefits. Reference to potential earnings is only allowed where expressly mandated by law (for example, the display of a standardized, Company-approved average earnings chart for compliance reasons).

7.3 FTC, CAN-SPAM, TCPA, and Regulatory Compliance

All marketing, advertising, and communications (including email, SMS, and phone) must comply with: Federal Trade Commission (FTC) guidelines for truthfulness and fair marketing, The CAN-SPAM Act (email marketing), including proper sender identification and opt-out requirements, The Telephone Consumer Protection Act (TCPA) for text/phone communications, including consent requirements and opt-out messaging, Any other applicable local, national, or international marketing and advertising rules.

7.4 Marketing Materials and Approval Protocol

Only Company-preapproved and reviewed promotional, training, or recruitment materials may be used in any public or private marketing, advertising, or presentations. Members may not use the Company’s marks, logos, trade names, or branding—nor publish any website, domain, or social page bearing such branding—without prior written Company approval. The Company may demand immediate removal or correction of any non-compliant or misleading material.

7.5 Testimonial and Endorsement Controls

No member may provide or solicit testimonials relating to earnings, payouts, or income, or imply endorsement or typical “success stories” regarding compensation unless expressly authorized by the Company’s compliance team. Service or product testimonials about general satisfaction or value are allowed as long as they make no mention of financial results, compensation, or similar claims.

7.6 Required Disclaimers for Aspirational/Luxury Imagery

Any use of luxury, aspirational, or high-value imagery for mindset or education must display this clear, prominent disclaimer: “Images of cars, homes, travel, and luxury items shown are for educational and aspirational purposes only. They do not represent, guarantee, or imply any specific earnings, income, or outcomes from Company product, membership, or program participation.” No such imagery may appear alongside recruitment language or income-related stories.

7.7 Violation Consequences and Enforcement

Breach of any section in this policy may result in immediate suspension, account freeze, or permanent removal from the Company’s programs and services. Violations may also result in the forfeiture of any pending or past awards, privileges, or recognitions from such activity, and may lead to legal action or notification of relevant regulatory authorities.

SECTION 8: DATA SHARING, VENDORS, THIRD-PARTY ACCESS, AND DATA PROTECTION

8.1 Data Sharing With Vendors, Service Providers, and Partners

Member data, including personal information, contact details, and payment information, may be shared with approved third-party vendors, service providers, partners, and benefit suppliers only as necessary for service delivery, fulfillment, or essential business operations. All such data sharing is strictly limited to U.S.-based parties. The Company does not transfer or sell sensitive personal or government ID information to any non-U.S. entity.

8.2 Internal Use and Prohibition on Third-Party Marketing

Member data is used exclusively for the Company’s internal business administration, communication, support, fulfillment, and with verified vendors required to activate benefits. The Company does not sell, rent, or exchange member data for commercial lead generation or third-party advertising. Data access is permitted only to vendors working directly with the Company for authorized services.

8.3 Third-Party Products and Support Disclaimer

For any products or services ordered directly through partner or third-party portals—including but not limited to travel, merchandise, or benefits providers—all inquiries, customer service, support requests, cancellations, or disputes must be directed to the provider from whom the product or service was purchased. SavingsHighway.com LLC does not provide direct support or issue refunds for third-party purchases; each vendor’s customer service, policies, and procedures apply. Members are responsible for contacting the appropriate vendor or partner for all matters related to such third-party transactions.

8.4 Vendor Obligations and Confidentiality

All vendors, service providers, and partners with access to member data must maintain strict confidentiality, use data solely for the Company’s purposes, and comply with all relevant privacy, security, and data protection laws (including GDPR, CCPA, HIPAA, and industry standards as applicable). Vendors are prohibited from using, storing, disclosing, or repurposing member data for their own marketing, analytics, resale, or unrelated business purposes.

8.5 Data Deletion, Retention, and Vendor Compliance

The Company requests vendors to delete or return all member data upon completion of service or termination of a business relationship. However, the Company cannot guarantee deletion or destruction of data outside its direct control. Members may request deletion of their data from Company systems. The Company will comply to the maximum extent lawful and practical; requests for deletion by vendors will be relayed on the member’s behalf.

8.6 Data Security Standards and Incident Protocols

The Company and its partners implement industry-standard technical and organizational security measures, such as encryption, secure access, data minimization, and confidentiality agreements, to safeguard member information. All data breaches, security incidents, or unauthorized access affecting member data must be reported immediately to the Company by vendors. The Company will then notify affected members as required by law and its own data breach protocols.

8.7 Right to Audit and Enforcement

The Company reserves the right to audit, investigate, and enforce compliance with all data protection requirements. Vendors in violation may be terminated immediately, with potential claims for damages or regulatory penalties.

8.8 Limitation of Liability for Third-Party Actions

The Company disclaims liability for any data breach, misuse, unauthorized disclosure, or legal violation by outside vendors beyond its direct control, but will act swiftly and reasonably to mitigate harm and prevent recurrence.

SECTION 9: CONTESTS, BONUSES, AND PRIZE PROGRAMS

9.1 Contest Definition, Eligibility, and Entry Standards

The Company may offer contests, promotions, bonuses, and prize programs (“Contests”) that award incentives, prizes, merchandise, travel, or recognition to eligible members who meet published activity thresholds or skill requirements. Only legal adults (18+ years old or the age of majority in their jurisdiction, whichever is higher) with active member accounts in good standing may participate or claim prizes; minors and ineligible persons are strictly prohibited.

9.2 Entry Criteria, Qualification Periods, and Activity Auditing

Contest entry and qualification require compliance with all contest-specific rules, eligibility standards, official activity periods, and (where applicable) consecutive months of active and paid membership or referred member retention, as stated in each contest. Fraudulent entries, artificial inflation, creation of fake/dummy accounts, premature cancellation of qualifying memberships, or any attempt to manipulate contest criteria is strictly prohibited and is grounds for disqualification and permanent contest ban. The Company reserves the exclusive right to audit all entries, activity logs, qualifying members, and referral records for compliance.

9.3 Selection, Awarding, and Notification of Winners

The published contest materials will define winner selection, judging, and award criteria, which will be final and binding. Winners will be notified via email or portal messaging. Prizes must be claimed within the time indicated in the contest rules or will be forfeited. Acceptance of contest prizes grants the Company the right to use the winner’s name, likeness, and contest result for company advertising and promotion unless prohibited by law.

9.4 Prize Description, Delivery, and Tax Responsibilities

Prizes, bonuses, and awards are described in each contest’s official rules, with retail value and terms supplied in advance. The Company reserves discretion to change, substitute, or revoke prizes before full delivery. All tax reporting requirements (such as IRS Form 1099 for prizes over $600 USD) and any applicable taxes or fees are the sole responsibility of prize recipients. Prizes are non-transferable, non-exchangeable, and can only be substituted for cash at the Company’s discretion.

9.5 Integrity Enforcement, Disqualification, Clawback, and Retroactivity

Any violation of contest rules, fraud, manipulation, premature cancellation, or breach of these Terms triggers: Immediate disqualification, permanent contest ban, and forfeiture of all prizes or rewards. The Company’s right to reclaim or recover the full value of improperly awarded prizes, even after initial delivery. Participants agree to return or reimburse improperly awarded prizes within thirty (30) days of notification and acknowledge that Company decisions are final and not subject to appeal.

9.6 No Gambling, Lottery, or Chance-Based Awards

Company contests are based on skill, activity, or performance—not chance, luck, or any form of gambling, sweepstakes, or lottery, in compliance with law and regulation.

SECTION 10: AFFILIATES, PARTNERS, CALL CENTERS, CLOSERS, AND EXTERNAL MARKETING RELATIONSHIPS

10.1 Scope and Definitions

The Company may engage external parties such as affiliates, partners, agencies, call centers, closers, or other marketing representatives to promote, market, or support its services, products, memberships, and events. These individuals or entities are not Company employees, but operate as independent contractors or vendors according to written agreements.

10.2 Application, Approval, and Oversight

All external representatives must apply and be approved through the Company's designated process, providing truthful disclosures as requested. The Company retains the sole right to accept, deny, suspend, revoke, or modify any external relationship at its discretion, with or without notice or stated reason. The Company may require background checks and ongoing review of all external partners for compliance and brand protection.

10.3 Duties, Conduct, and Brand Controls

All public-facing marketing, scripts, emails, presentations, and communications involving the Company’s offerings must be pre-approved and used solely for Company business purposes. No external party may bind the Company by contract, provide unauthorized guarantees, or represent authority beyond the scope of their engagement. Branding, use of intellectual property, and confidential information is strictly controlled and remains the exclusive property of the Company. No materials or data may be disclosed or repurposed outside the intended Company context.

10.4 Audit, Compliance, and Enforcement

The Company reserves the right to audit, investigate, and enforce compliance with all marketing and operational rules by any external party or partner at any time. Any violations may result in immediate termination of the relationship, legal action, notification to the public or relevant authorities, and claims for damages or corrective measures.

10.5 Relationship Status and Non-Exclusivity

All such relationships are non-exclusive and do not grant employment rights, benefits, or guarantees. Each party acts as an independent contractor and does not represent employee or franchise status with the Company.

SECTION 11: LIMITATION OF LIABILITY, INDEMNIFICATION, AND FORCE MAJEURE

11.1 Limitation of Liability

To the fullest extent permitted by law, the Company, its officers, employees, affiliates, contractors, agents, and partners are not liable to any member, user, or third party for any indirect, incidental, punitive, exemplary, consequential, or special damages (including loss of profits, data, use, or business interruption), regardless of the cause, arising from or related to: Access to, use of, or participation in any Company product, program, membership, event, service, or platform; Any Company contest, promotional event, or transaction; Data breaches, unauthorized access, service interruption, vendor or third-party misconduct, or loss of data. The total liability of the Company for any individual claim is limited to the amount paid by the member to the Company in the three (3) months preceding the claim.

11.2 No Guarantee, Warranty, or Service Level Agreement

The Company makes no guarantee, representation, or warranty—express or implied—regarding the accuracy, completeness, availability, or results of any product, service, platform, material, contest, or website. All Company services are rendered strictly “as is” and “as available.” No statement or endorsement—oral or written—may be regarded as a guarantee of any outcome.

11.3 Indemnification and Recovery of Damages

Members agree to indemnify, defend, and hold harmless the Company, its owners, affiliates, staff, and agents from losses, claims, damages, actions, penalties, or legal fees arising from: The member’s conduct or breach of these Terms; Violation of law, regulation, or policy by the member or anyone acting on their behalf; Any regulatory action or dispute resulting from member conduct or user-generated content. Members agree to reimburse the Company for any amounts expended to resolve actions arising from their breach or conduct.

11.4 Force Majeure

The Company is not liable for failure or delay in performing obligations due to force majeure, defined as events beyond the Company's reasonable control (including natural disasters, epidemics, war, government orders, strikes, supply chain interruptions, etc.). The Company will notify affected members when reasonably possible and will take action to mitigate the impact, resume performance, or terminate affected services if continuation is impossible or unlawful. No party may seek damages or penalties against the Company for service interruptions resulting from force majeure events.

SECTION 12: NOTICE, AMENDMENTS, AND CONTACT INFORMATION

12.1 Notice Requirements and Delivery Methods

All official notices, requests, consents, demands, claims, waivers, or other communications under these Terms must be provided in writing and delivered by one or more of the following methods: Email to the address on file or published Company contact email; Member portal secure messaging system (if available); Personal delivery; Certified or registered mail (return receipt requested, postage prepaid); Nationally recognized overnight courier. Notice sent by email is considered effective upon confirmation of transmission and receipt by the intended recipient. Notices by certified mail are deemed received three (3) business days after dispatch; by courier, one (1) business day after shipment; by portal, upon in-system confirmation.

12.2 Designated Contact Information

All official notices, support requests, cancellation communications, and other required correspondence must be sent to:

Company: SavingsHighway.com LLC

Email: support@savingshighway.com

Physical Address: [Insert current business mailing address here]

Updates to Company contact and notice addresses will be posted in the member portal or website footer. Members are responsible for promptly updating personal contact details to ensure proper receipt of communications.

12.3 Amendments and Updates

The Company reserves the right to amend, expand, supplement, restate, or update these Terms at any time, with or without prior notice, as outlined in Section 1. Amendments become effective immediately upon posting to the Company’s website, notice via member portal, or email notification. Continued use of Company services or platforms after the effective date of amendment signifies acceptance of the revised Terms.

12.4 Member Responsibility to Monitor Notices

Members are responsible for: Monitoring communication channels (email, portal announcements, website notices); Maintaining up-to-date emails and addresses on file; Reviewing posted announcements and amended documents. The Company is not liable for non-receipt due to outdated or incorrect member contact information.

SECTION 13: PRIVACY POLICY AND DATA RIGHTS

13.1 Privacy Policy Incorporation By Reference

The Company's Privacy Policy, as published on its primary website or linked in the footer of all domains, is expressly incorporated by reference into these Terms and governs all matters of personal data collection, storage, usage, processing, sharing, deletion, security, and breach notification. By enrolling in, participating in, or using any Company service, event, or platform, members affirm that they accept all data practices described in the Privacy Policy.

13.2 Disclosure and Transparency Requirements

The Company will provide clear information about how member data is collected, used, shared, and protected. Any use or transfer of data beyond the purposes described in the Privacy Policy requires extra notice and explicit user consent. Members will be informed about the specific types of personal, financial, and usage data collected (such as cookies, IP addresses, emails, payment information, government ID, and affiliate click data).

13.3 Member/Data Subject Rights

Members (or data subjects under applicable law) have the right to: Access, review, and correct their personal data; Request deletion or restriction of personal information, subject to legal and contractual retention requirements; Opt out of marketing communications, targeted advertising, affiliate tracking, or data sharing not required for service delivery; Receive notice, details, and assistance in the event of any data breach, unauthorized access, or privacy incident. The Company will respond to data rights requests as required by law (typically within 30 days under GDPR/CCPA) and maintain records of consent, withdrawals, and corrections.

13.4 Global and Multi-Jurisdictional Compliance

The Company complies with relevant U.S., Canadian, EU, Brazilian, and other data privacy laws (including CCPA, COPPA, CalOPPA, PIPEDA, GDPR, LGPD) as applicable by user location. All data processing agreements with affiliates, vendors, partners, and trackers incorporate required privacy, opt-out, security, and deletion protocols under the law.

13.5 Children’s Data and COPPA Compliance

The Company does not knowingly collect or process personal data from children under age 13 (or the age set under local law, such as COPPA/EU). If unauthorized child data is discovered, it will be deleted, and parents or legal guardians may request full review, correction, or removal of any child data held.

13.6 Cookie Notice, Affiliate Tracking, and Third-Party Disclosures

Members may be tracked via cookies, pixels, analytics, or affiliate platforms for compliance and performance monitoring. The Privacy Policy explains cookie types, opt-in/opt-out settings, and how to manage preferences on the Company's platforms.

13.7 Updates and Amendments to Privacy Policy

The Company may update or amend its Privacy Policy at any time, with notification via website, member portal, or email. Continued use of Company services after an update is deemed acceptance of new policies as described in Section 1 and Section 12.

SECTION 14: INTERNATIONAL USERS AND CROSS-JURISDICTIONAL PROTECTIONS

14.1 Scope of Application

These Terms apply to all users, regardless of geographic location, nationality, or residence, who access, participate in, or transact with any Company website, program, platform, membership, event, or product.

14.2 Compliance With Local Laws and Regulations

International users are solely responsible for ensuring compliance with all laws, regulations, and licensing requirements in their specific jurisdiction, including those related to consumer protection, privacy, advertising, contests, payment, and marketing.

14.3 Limitation of Rights and No Expansion of Liability

Where non-U.S. or local law provides mandatory consumer, privacy, or user protections that cannot be waived (such as EU GDPR or UK law), those protections apply only as required by law. These Terms do not expand the rights, remedies, or liability of the Company beyond what is mandated by applicable law in the user's location.

14.4 Data Transfers, Storage, and Cross-Border Disclosures

Personal, payment, and activity data from international users may be transferred to, processed, stored, or analyzed in the United States or with U.S.-based vendors, in accordance with the Company’s Privacy Policy, worldwide privacy standards, and all local legal requirements.

14.5 International Dispute Resolution and Governing Law

All disputes or claims relating to these Terms, Company programs, or member relationships are governed exclusively by the laws of the United States and the State of Georgia, regardless of conflict-of-law principles, unless otherwise required by non-waivable local law.

14.6 Enforcement, Severability, and Invalidity

If any provision of these Terms conflicts with local law or is deemed invalid by a regulatory authority in a user's jurisdiction, all remaining provisions remain in force to the maximum extent permitted.

SECTION 15: DISPUTE RESOLUTION, BINDING ARBITRATION, AND CLASS ACTION WAIVER

15.1 Dispute Resolution—Mandatory Arbitration

Any dispute, claim, controversy, or cause of action (in contract, tort, statute, or otherwise) arising out of, relating to, or in connection with these Terms, any Company membership, agreement, policy, or relationship, including their validity or enforcement (“Dispute”), will be resolved exclusively and finally by binding arbitration administered by the American Arbitration Association (“AAA”) under its current Commercial Arbitration Rules. Arbitration proceedings will be held before a single neutral arbitrator in English, with venue in Atlanta, Georgia, USA, unless both parties agree to a different location in writing.

15.2 Arbitrator Authority, Governing Law, and Final Decision

The arbitrator has exclusive authority to resolve all Disputes, including interpretation and enforceability of this arbitration clause, and may grant any legal or equitable remedy a court could provide. The arbitrator’s decision will be final, binding, and enforceable in any court of competent jurisdiction, with no right of appeal except as prohibited by law.

15.3 Costs, Fees, and Confidentiality

Unless otherwise required by law, each party bears its own legal fees and arbitration costs; administrative/arbitrator fees are split equally unless the arbitrator rules otherwise. All arbitration filings, proceedings, evidence, and results are confidential and cannot be disclosed except as necessary for enforcement of the decision.

15.4 No Class or Representative Actions; Individual Claims Only

All Disputes must be arbitrated individually; no party can bring or participate in any class, representative, mass, or collective proceeding against the Company or its agents. Waiving class/collective/representative actions is a material condition of these Terms. If this waiver is unenforceable for a specific claim, arbitration cannot be compelled for that claim, but remains enforceable for others.

15.5 Exception—Injunctive or Small Claims Relief

The Company may seek preliminary or permanent injunctive relief in any court of competent jurisdiction to prevent or address misuse of intellectual property, trade secrets, confidential data, or other rights not compensable by money damages. Either party may bring qualifying small claims in Georgia small claims court if they proceed on an individual basis and are below the court’s jurisdictional monetary limit.

15.6 Notice of Dispute, Negotiation, and Good Faith Resolution

Prior to arbitration, the party seeking relief must provide written notice of the Dispute (including facts, evidence, and nature of claim) to the other party and allow thirty (30) business days for a good faith negotiation and informal resolution. Written notice must be sent to the addresses in Section 12.

15.7 Severability and Survival

If any provision of this section is declared invalid or unenforceable, the remainder of this Section 15 and all other unaffected Terms remain binding to the maximum lawful extent.

Notice: By accessing or using this website, registering for an account, or purchasing any membership or product, you acknowledge that you have read, understood, and agree to be fully bound by these Member Terms & Conditions and any incorporated policies. If you do not agree, please discontinue use of all Company websites and services immediately.