Terms of Use

1. Acceptance of Terms

By accessing or using navgemai.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site. These Terms are entered into between you and iClosings, LLC dba NavGemAI.com ("NavGemAI.com," "we," "us," or "our").

2. Use of the Site

You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of others. You may not:

• Use the Site in any way that violates applicable laws or regulations
• Transmit unsolicited commercial communications
• Attempt to gain unauthorized access to any part of the Site or its related systems
• Reproduce, distribute, or create derivative works from Site content without our express written permission
• Use automated tools to scrape, crawl, or extract data from the Site

3. Intellectual Property

All content on this Site — including text, graphics, logos, and the "NavGemAI.com" name and brand — is the property of iClosings, LLC or its licensors and is protected by applicable intellectual property laws. The names, logos, and trademarks of third-party AI providers referenced on this Site (including OpenAI, Anthropic, Google, Microsoft, Meta, Mistral, and Amazon) remain the property of their respective owners. NavGemAI.com is an independent advisory and services firm and is not affiliated with, endorsed by, or a reseller of any of these providers.

4. Informational Content Only

The content on this Site is provided for general informational purposes only. Nothing on this Site constitutes legal, financial, regulatory, or professional advice. You should not act or refrain from acting on the basis of any content on this Site without seeking appropriate professional advice specific to your circumstances.

5. No Warranties

The Site is provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

6. Limitation of Liability

To the fullest extent permitted by law, iClosings, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Site, even if we have been advised of the possibility of such damages. Our total liability for any claim arising from your use of the Site shall not exceed one hundred US dollars ($100).

7. Third-Party Links

The Site may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

8. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States and the state in which iClosings, LLC is registered, without regard to conflict of law principles.

9. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Site with a revised "Last updated" date. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.

10. Contact

For questions about these Terms, contact us at: hello@navgemai.com
iClosings, LLC dba NavGemAI.com