Diversified Universal LLC — Universal Framework
Universal Terms and Conditions Framework
The organization-wide terms structure covering agreement formation, account and billing provisions, liability, and general clauses.
- Effective date
- August 31, 2026
- Last updated
- August 31, 2026
- Structural reference
- Diversified Payday Terms and Conditions
1.Agreement
These Terms and Conditions form a binding agreement between Diversified Universal LLC and its companies and the person or entity accessing or using an offering. Diversified Universal LLC maintains a centralized Legal Center and Universal Framework applicable across its companies and their offerings, unless the applicable company or offering documentation expressly states otherwise, in which case the more specific document controls.
"You" and "your" refer to the person or entity that accesses or uses an offering, including any authorized individual acting on behalf of that entity. "Services" or "offering" means the applicable website, product, or service made available by Diversified Universal LLC or one of its companies. By creating an account, accepting these terms, or using an offering, you agree to be bound by them, and the individual accepting on behalf of an organization represents that they have authority to do so.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
2.United States Service
Our offerings are designed for use within the United States and in accordance with United States law. Unless the applicable company or offering documentation states otherwise, our offerings are not designed or offered for use outside the United States or for compliance with the laws of other jurisdictions. You are responsible for confirming that an offering is appropriate for use in each jurisdiction in which you operate before relying on it.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
3.Nature of the Services
Our offerings generally consist of websites, software, tools, content, and related support made available by Diversified Universal LLC or one of its companies. The specific features, functions, and limitations of an offering are described in the applicable company or offering documentation.
Unless expressly stated otherwise in that documentation, we are not acting as a bank, financial institution, money transmitter, fiduciary, lender, insurer, attorney, accountant, or other licensed professional advisor to you, and our offerings do not replace independent legal, financial, tax, or other professional advice.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
4.Customer Responsibilities
You are responsible for providing complete and accurate information, using an offering only for lawful and authorized purposes, reviewing outputs and information generated through an offering before relying on them, maintaining the confidentiality of your account credentials, complying with applicable law, and satisfying any obligations that fall outside the scope of the offering you use.
You are responsible for activity conducted through your account, except to the extent it results directly from our failure to apply commercially reasonable security measures. Additional responsibilities specific to an offering are set out in the applicable company or offering documentation.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
5.Account Eligibility
To create or maintain an account, you must be legally capable of entering into a binding contract, provide accurate registration information, use the offering only for authorized purposes, maintain a valid payment method where required, and cooperate with reasonable verification and security requests.
We may decline to open, or may restrict, an account where reasonably necessary for security, fraud prevention, legal compliance, protection of an offering, or enforcement of these terms.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
6.Authorized Users
If an offering permits multiple individuals to access an account, the account holder controls which individuals are authorized and the level of access granted to each. The account holder is responsible for inviting only authorized persons, assigning appropriate permissions, reviewing access periodically, safeguarding credentials, and promptly removing access that is no longer needed. Credentials issued to a specific individual should not be shared among multiple people unless the applicable offering documentation permits it.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
7.Subscriptions and Billing
Where an offering involves a paid subscription or fee, charges are billed through the payment method associated with your account and, unless cancelled or otherwise modified, may renew automatically. Pricing, included features, add-on charges, and billing intervals for a particular offering are set out in the applicable company or offering documentation or displayed at the time of purchase.
By providing a payment method, you authorize us and our payment processors to charge applicable fees, including recurring charges, one-time charges, and applicable taxes.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
8.Free Trial and No-Charge Plans
An offering may include a free trial period or a no-charge tier of service. The terms of any such trial or no-charge tier, including duration, feature limitations, and what happens if you take no action before the trial ends, are described in the applicable company or offering documentation. Unless that documentation states otherwise, a trial may convert automatically to a paid subscription if not cancelled before it ends.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
9.Plan Changes
You may be able to change the level or type of service associated with your account. Upgrades may take effect immediately and may result in an immediate or prorated charge; downgrades may be subject to timing restrictions. Changing your plan does not erase obligations, charges, or records created while a prior plan was in effect. The specific mechanics of plan changes for an offering are described in the applicable company or offering documentation.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
10.Cancellation and Read-Only Access
You may cancel a subscription or account in accordance with the applicable company or offering documentation. Cancellation ends active functionality but does not automatically delete your account records. Where reasonably feasible and consistent with applicable law, we intend to make historical account information available on a read-only basis for a reasonable period following cancellation, subject to security requirements, technical feasibility, and legal holds. You should maintain independent copies of any records you are legally required to keep.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
11.Refunds and Credits
Refunds, credits, and billing disputes are handled in accordance with the refund or billing policy applicable to the offering you use. Except where required by law or approved under that policy, fees are non-refundable. Fees imposed by third parties, such as payment processors or government agencies, are not fees charged by us and generally remain your responsibility.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
12.Acceptable Use
You must comply with our Acceptable Use Policy when accessing or using an offering. Without limiting that policy, an offering may not be used to violate law, facilitate fraud, misuse personal or financial information, introduce malicious code, circumvent security measures, access another person's information without authorization, misrepresent your identity or authority, infringe intellectual property rights, or harass or threaten others.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
13.Restricted Businesses and Activities
We may prohibit or restrict use of an offering by businesses or for activities that create unacceptable legal, financial, security, reputational, or operational risk, including illegal businesses, unlicensed regulated activity, fraudulent operations, unlawful gambling, illegal controlled-substance activity, and activity prohibited by a service provider on which an offering relies. The availability of a category or option within an offering does not mean that activity has been approved.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
14.Intellectual Property
We and our licensors retain all rights, title, and interest in our offerings, including software, designs, branding, documentation, templates, and related content, other than information you submit. You receive a limited, nonexclusive, nontransferable, revocable right to use an offering during your authorized period of access. No ownership rights are transferred to you.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
15.Customer Data
As between you and us, you retain your rights in the information you submit to an offering. You grant us the limited rights necessary to host, process, copy, transmit, display, secure, back up, and support that information for the purpose of providing and protecting the offering, complying with law, and enforcing our agreements. You represent that you have lawful authority to provide and permit us to process the information you submit.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
16.De-Identified and Aggregated Information
We may create and use aggregated or de-identified information that cannot reasonably be linked to you or an identifiable individual, for purposes such as analytics, security, capacity planning, product improvement, benchmarking, and other business operations. We will not intentionally attempt to reidentify information maintained solely in de-identified form except to lawfully validate our de-identification controls.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
17.Third-Party Services
Our offerings may rely on, integrate with, or link to services provided by third parties, such as payment processors, hosting and infrastructure providers, authentication providers, and communication providers. Third-party services are governed by their own terms and policies, and we are not responsible for third-party systems, outages, decisions, or acts outside our reasonable control.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
18.Availability and Changes
We may maintain, update, modify, or discontinue features of an offering, correct errors, add or remove integrations, and suspend functions for security or compliance reasons. We do not guarantee uninterrupted or error-free availability of an offering. Where reasonably practical, we intend to provide advance notice of material planned changes.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
19.Beta, Preview, and Test Features
An offering may include beta, preview, demonstration, or test features that are incomplete, unavailable, inaccurate, or subject to change without notice. Such features are provided for evaluation purposes and should not be relied upon for production use unless we expressly state otherwise.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
20.Automated Processing
Our offerings may use software automation to process information, validate data, generate outputs, identify inconsistencies, and support security and fraud detection. Automation does not eliminate your responsibility to review and approve information, decisions, and outputs generated through an offering before relying on them.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
21.Confidentiality
Each party will use reasonable care to protect confidential, nonpublic information received from the other party and will use it only for authorized purposes. Confidentiality obligations do not apply to information that becomes public without breach, was already lawfully known, is independently developed, is lawfully received without restriction, or must be disclosed by law.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
22.Security
We maintain safeguards designed to protect information associated with an offering, but no internet-based service can guarantee absolute security. You must protect your credentials, maintain secure devices and networks, use only authorized users, review access permissions, and report suspected security incidents to us promptly.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
23.Suspension and Termination
We may suspend or terminate your access to an offering when reasonably necessary due to nonpayment, fraud, security risk, unauthorized access, violation of these terms or applicable law, provider restrictions, or threats to an offering or others. Where appropriate, we may provide notice and an opportunity to cure before taking such action; immediate action may be taken where delay could create harm or legal exposure.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
24.Disclaimers
To the maximum extent permitted by law, our offerings are provided "as is" and "as available," and we disclaim implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that an offering will be uninterrupted or error-free, that every output will be correct without your review, or that an offering will satisfy every legal requirement applicable to you. Nothing in these terms excludes warranties that cannot legally be excluded.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
25.Limitation of Liability
To the maximum extent permitted by law, Diversified Universal LLC and its companies will not be liable for indirect, incidental, special, exemplary, consequential, or punitive damages, or for lost profits, revenue, business, data, or goodwill, arising from or relating to an offering or these terms. Unless the applicable company or offering documentation states a different amount, our total aggregate liability will not exceed the amount you paid for the applicable offering during the six months preceding the event giving rise to the claim. This limitation does not apply where prohibited by law.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
26.Customer Indemnification
You will defend, indemnify, and hold harmless Diversified Universal LLC and its companies, and their owners, officers, employees, and agents, from third-party claims, losses, liabilities, penalties, costs, and reasonable legal fees arising from your use of an offering, the information you submit, your violation of law, your breach of these terms, or your infringement of third-party rights. This obligation does not apply to the extent a claim results directly from our willful misconduct or gross negligence.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
27.Governing Law and Venue
Unless the applicable company or offering documentation states otherwise, these terms are governed by the law of the State of Illinois and applicable United States federal law, without regard to conflict-of-law rules. Any court proceeding not subject to a separately agreed dispute-resolution process must be brought in a state or federal court with jurisdiction over the applicable venue identified in that documentation, and each party consents to that jurisdiction and venue.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
28.Notices
We may provide notices to you through an offering, email, our public websites, your account contact information, or other reasonable electronic methods. You are responsible for maintaining current contact information. Legal notices to us should be sent to CustomerService@DiversifiedUniversal.com or to the address identified in the applicable company or offering documentation.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
29.Changes to These Terms
We may revise these terms to reflect changes in law, our offerings, risk, technology, or business practices. When we make changes, we will update the effective date and, where appropriate, communicate material changes through an offering, our websites, or your account contact information. Continued use of an offering after a revision becomes effective constitutes acceptance of the revised terms where permitted by law.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
30.General Provisions
These terms and any incorporated policies constitute the agreement concerning an offering unless a separate written agreement expressly controls. If a provision is found unenforceable, it will be modified to the minimum extent necessary, and the remaining provisions will remain effective. Failure to enforce a provision is not a waiver. You may not assign these terms without our written consent, and we may assign them in connection with a reorganization, financing, sale, merger, or transfer of an offering. Headings are for convenience only, and electronic acceptance and records have the same effect as paper acceptance and records where permitted by law.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
31.Contact Information
Questions about these terms may be directed to Diversified Universal LLC at CustomerService@DiversifiedUniversal.com. Contact information specific to a company or offering may also be found in the applicable company or offering documentation.
[Company-Specific Terms Supplement]
[Offering-Specific Terms Supplement]
Revision History
| Version | Date | Summary |
|---|---|---|
| 1.0 | August 31, 2026 | Initial publication of the Universal Terms and Conditions Framework. |