Terms of Service

Last updated: May 31, 2026
Effective date: May 31, 2026
Owner: DevelopingRiches Inc., a California C corporation, doing business as OrangePandaDigital (“OrangePandaDigital”, “OPD”, “we”, “us”, or “our”).

These Terms of Service (“Terms”) form a binding contract between you and DevelopingRiches Inc. and govern your access to and use of every product, site, and service operated by us under the OrangePandaDigital umbrella and the wider King James Empire (“KJE”) family. By creating an account, purchasing any Service, clicking “I agree,” signing a checkout consent box, or otherwise using the Services, you accept these Terms. If you do not agree, do not use the Services.

1. Products Covered

These Terms apply to all of the following Services, and all charges arising from them appear on customer bank and card statements with the descriptor ORANGEPANDADIGITAL.COM regardless of which product was purchased:

ReviewBombz — Google review monitoring and reputation protection.
KJWidgetz — Embeddable website widgets and conversion tools.
DemoBoosterz — Conversion-focused demo and trial overlays.
DemoEnginez — Demo orchestration and lead-routing engine.
SiteEnginez — Site-build automation and managed hosting workflows.
VoiceDropz — Ringless voicemail and pre-recorded outreach delivery.
IASY (“I Am Solving You”) — AI-assisted self-service support product.
InkHaus Studios — Creative and content production services.
FinanceIQ — Consumer and small-business finance education and tools.
KJ Loan Modz — Loan modification information and outreach services.
UnhideLocal — Local-business visibility and listing repair.
KJ Command Deck — Operations dashboard for qualifying customers.

Individual Services may publish supplemental terms (a “Product Addendum”) that govern features unique to that Service. A Product Addendum is incorporated by reference into these Terms; if any conflict arises between these Terms and a Product Addendum, the Product Addendum controls for the Service it covers.

2. Eligibility and Accounts

You must be at least eighteen (18) years old and able to form a binding contract to use the Services. You must provide accurate, current, and complete information at signup and keep that information current. You are responsible for safeguarding your account credentials and for all activity that occurs under your account. Notify us immediately at support@orangepandadigital.com if you suspect unauthorized use.

If you use the Services on behalf of an organization, you represent that you are authorized to bind that organization and “you” refers to both you individually and that organization.

3. Plans, Pricing, and the Statement Descriptor

Pricing for each Service is published at the applicable product checkout. Tiers, included features, included quotas, overage rates, and renewal cadence are disclosed at the time of purchase and may be changed prospectively on notice. See each product checkout for current pricing.

All charges for any Service operated by DevelopingRiches Inc. appear on your bank or card statement as ORANGEPANDADIGITAL.COM. If you do not recognize a charge labeled ORANGEPANDADIGITAL.COM, email billing@orangepandadigital.com before initiating a chargeback so we can identify the underlying product and resolve the question.

4. Billing, Auto-Renewal, and Taxes

Recurring Services renew automatically at the end of each billing period using the payment method on file until you cancel. By purchasing a recurring Service, you authorize us to charge that payment method on the renewal date for the then-current price disclosed at checkout. You will receive a renewal-reminder email before each renewal where required by law (including California’s automatic-renewal law where applicable). You may cancel auto-renewal at any time from your account dashboard or by emailing billing@orangepandadigital.com. Cancellation stops future renewals and takes effect at the end of the then-current paid period.

Prices are exclusive of applicable taxes. Where Stripe Tax or another tax engine determines that sales tax, VAT, GST, or similar tax applies, that tax is added to the displayed price at checkout. You are responsible for any taxes other than those based on our net income.

If a payment fails, we may suspend or terminate the affected Service after a reasonable cure window and we may charge a late-payment fee where permitted by law.

5. Refunds

Each Service publishes its own refund policy at checkout. The default umbrella position, which applies unless a Product Addendum or checkout disclosure says otherwise, is a thirty (30) day money-back window on the first paid period of a first-purchase Service, computed from the date of the initial charge. Refunds for renewal periods, overage charges, professional-services engagements, fully-consumed credits, and pay-per-use items are not granted by default. We may decline a refund where we determine in good faith that the request is fraudulent, abusive, or based on misrepresentation.

6. Communications and Consent

This Section 6 separates the categories of communications you may receive from us and the legal bases under which we send them. We treat transactional communications, marketing communications, and AI-call communications as separate categories with separate consent records, consistent with TCPA, FCC AI-call rules, and the Federal Communications Commission’s prior-express-written-consent (“PEWC”) framework.

6.1 Transactional Communications

By creating an account or purchasing a Service, you consent to receive transactional communications by email, SMS, and where reasonable by voice. Transactional communications include account confirmations, receipts, security alerts, password resets, billing reminders, renewal notices, service-status notifications, scan results, monthly reports, support replies, and similar non-marketing messages necessary to deliver the Service. You cannot opt out of transactional communications while you have an active Service, because they are necessary to provide what you paid for. If you do not want to receive any transactional communications, close the account.

6.2 Marketing Communications — PEWC

We will not send you marketing calls, marketing SMS, ringless voicemail, or pre-recorded marketing voice messages without your separate, granular, prior express written consent (“PEWC”). PEWC is collected via a clear, unchecked checkbox or equivalent affirmative act, with the disclosure that “I agree to receive marketing calls and texts from OrangePandaDigital and the KJE family of products using automated systems and AI voice technology, and I understand that consent is not a condition of purchase. Message and data rates may apply. Reply STOP to opt out.” We record the exact disclosure text, timestamp, IP address, page URL, and checkbox state at the moment you give PEWC. Marketing consent is revocable at any time by replying STOP, by emailing privacy@orangepandadigital.com, or by toggling the marketing-consent control in your account dashboard. Revocation is processed in real time across the empire-wide KJLE DNC suppression list.

6.3 AI Voice Agent and AI-Call Consent

We disclose at the start of every AI voice call (including AVA-powered calls) that you are speaking with an artificial-intelligence voice agent. For AI-generated voice calls subject to FCC rules, we obtain the consents required by those rules and honor revocation in real time. By using AVA-enabled interfaces (whether you call us or accept an AVA call), you consent to AVA’s use of AI to interpret and respond to your communications, and you consent to call recording for quality, training, model evaluation, compliance, and dispute resolution where two-party consent is required.

7. Acceptable Use

You agree not to use the Services to:

Violate any applicable law, regulation, or third-party right;
Send unsolicited marketing or “spam” through any channel;
Send communications to recipients who have not provided lawful consent;
Bypass, disable, or interfere with security or compliance features (including KJLE DNC suppression);
Reverse engineer, scrape, or interfere with the Services beyond what is permitted by law;
Impersonate any person or entity or misrepresent your affiliation;
Upload or transmit malware or other harmful code;
Harass, threaten, or harm any person;
Engage in fraud, money laundering, or financing of illegal activity;
Use the Services in any industry or for any use case prohibited by our payment, telephony, or AI-model providers (including but not limited to certain firearm, adult, gambling, and high-risk financial-services use cases).

8. What We Do NOT Do

To set clear product expectations, the following are not features of any Service we operate, and any third party who tells you otherwise is misrepresenting our products:

ReviewBombz does not write, post, buy, sell, solicit, or remove Google reviews. We monitor what is already publicly published and notify the business owner. We do not perform “review removal” services and we do not generate, broker, or coordinate fake reviews.
VoiceDropz does not deliver marketing voice or SMS to recipients who have not provided lawful consent under TCPA. We do not “blast” purchased lists. We do not bypass STOP responses.
IASY does not provide medical diagnosis, mental-health crisis intervention, or licensed legal, tax, or financial advice. IASY is a triage and self-service support tool that may route a user to a human or a licensed professional when appropriate. If you are experiencing a mental-health crisis, dial 988 in the United States.
FinanceIQ does not provide individualized investment advice and is not a registered investment adviser. Content is educational only.
KJ Loan Modz does not guarantee any modification, forbearance, foreclosure outcome, or credit-score change. Outcomes depend on lender decisioning that we do not control. We do not collect advance fees in violation of MARS Rule (Regulation O).
InkHaus Studios does not claim intellectual-property rights you grant elsewhere; deliverable IP assignment is described in the engagement statement of work.
SiteEnginez and KJWidgetz do not guarantee SEO ranking, traffic levels, or conversion-rate outcomes. Performance depends on factors beyond our control.
DemoBoosterz and DemoEnginez do not generate or send deceptive demo or trial confirmations to consumers; all overlays are clearly identified as demo or simulation content.
UnhideLocal does not guarantee Google or other directory reinstatement; we provide tooling and best-effort remediation only.
KJ Command Deck is an internal operations layer; it is not a consumer-facing product and is provided only to qualifying business customers under separate access terms.
We do not provide legal advice, accounting advice, or tax advice through any Service.

9. Intellectual Property

We retain all right, title, and interest in and to the Services, including software, designs, logos, trademarks, documentation, and content we publish. You retain ownership of content you upload, configure, or submit to the Services (“Customer Content”). You grant us a worldwide, royalty-free, non-exclusive license to host, store, process, and display Customer Content to the extent necessary to operate the Services for you. You represent that you have all rights necessary to grant this license.

10. Customer Data and Privacy

Our handling of personal information is described in the Privacy Policy, which is incorporated into these Terms by reference. You are responsible for ensuring that you have a lawful basis (including TCPA-compliant consent) for any contact data you upload or instruct us to contact on your behalf.

11. Third-Party Services and Beneficiaries

The Services rely on third parties including Stripe, Twilio, Anthropic, Outscraper, Resend, Cloudflare, Supabase, Railway, Render, Vercel, and others. You are bound by the terms of those third parties to the extent applicable to your use of features that depend on them. Stripe is a third-party beneficiary of the payment-related provisions of these Terms to the extent required by Stripe’s Connected Account Agreement and similar terms. There are no other third-party beneficiaries.

12. Suspension and Termination

We may suspend or terminate your access to any Service at any time, with or without notice, if we determine in good faith that you have violated these Terms, that continued provision of the Service would expose us or our vendors to legal, regulatory, or reputational risk, or that the payment method on file has failed to clear. We will give reasonable notice where practicable. You may terminate by closing your account from the dashboard or by emailing billing@orangepandadigital.com. Termination does not entitle you to a refund except as expressly stated in Section 5 or a Product Addendum.

13. Disclaimer of Warranties; Limitation of Liability

The Services are provided “as is” and “as available,” without warranty of any kind. To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted, error-free, secure, or free from harmful components.

To the maximum extent permitted by law, our aggregate liability arising out of or relating to the Services, regardless of the theory of liability, will not exceed the greater of (i) the amounts you paid to us for the affected Service in the twelve (12) months immediately preceding the event giving rise to the claim, or (ii) one hundred U.S. dollars (USD 100). We are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost revenue, lost data, or business interruption. The limitations in this Section apply to the maximum extent permitted by law and do not limit any liability that cannot be limited or excluded under applicable law.

14. Dispute Resolution; Arbitration; Class-Action Waiver

14.1 Informal Resolution

Before initiating arbitration, you agree to attempt to resolve any dispute informally by sending written notice to legal@orangepandadigital.com describing the dispute and the relief sought. We will attempt in good faith to resolve the dispute within sixty (60) days of receiving notice.

14.2 Binding Arbitration

Except as stated in Sections 14.4 and 14.5, any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. The arbitration will be conducted by a single arbitrator and will take place in the county of your residence or, at your election, by remote videoconference. Judgment on the award may be entered in any court of competent jurisdiction.

14.3 Class-Action and Jury-Trial Waiver

You and we each waive any right to a jury trial and to participate in a class action, class arbitration, private attorney general action, or other representative proceeding. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of representative or class proceeding, except as provided in Section 14.5 below.

14.4 Carve-Outs

Either party may bring an individual claim in small-claims court for any dispute within the jurisdictional limits of that court. Either party may seek injunctive or equitable relief in court to protect intellectual-property rights, trade secrets, or confidential information.

14.5 McGill Public-Injunctive-Relief Carve-Out

Nothing in these Terms waives a California consumer’s right to seek public injunctive relief under California law. Consistent with McGill v. Citibank, N.A., 2 Cal. 5th 945 (2017), a California consumer may seek public injunctive relief in a court of competent jurisdiction notwithstanding the arbitration agreement in Section 14.2. If a court determines that public injunctive relief must be heard in court, only that claim will proceed in court; all other claims will remain subject to arbitration.

14.6 Arbitration Costs and Fees

For consumer disputes administered under the AAA Consumer Arbitration Rules, we will pay all AAA filing, administrative, and arbitrator fees that the rules require us to pay, and we will pay any portion of those fees that the rules allocate to you if your claim is for less than ten thousand U.S. dollars (USD 10,000), unless the arbitrator determines that your claim is frivolous. Each party otherwise bears its own attorneys’ fees, except where a statute or contractual provision authorizes fee-shifting and the arbitrator awards fees consistent with that provision. Nothing in this Section 14.6 waives any consumer right under California law to seek fee shifting where authorized by statute.

14.7 Severability and Survival

If any portion of this Section 14 is found unenforceable, the remaining provisions will continue in effect. The class-action and jury-trial waiver in Section 14.3 is non-severable: if it is found unenforceable as to a particular claim, that claim must proceed in court but the arbitration agreement otherwise remains in effect for all other claims.

15. Governing Law and Venue

These Terms are governed by the laws of the State of California, without regard to its conflicts-of-laws principles. Subject to Section 14, the exclusive venue for any action permitted to be brought in court is the state and federal courts located in the county where DevelopingRiches Inc. maintains its principal place of business in California, and both parties consent to the personal jurisdiction of those courts.

16. Force Majeure

Neither party is liable for any failure or delay in performance to the extent caused by events beyond its reasonable control, including acts of God, war, terrorism, civil unrest, labor disputes, internet outages, denial-of-service attacks, third-party-vendor outages, or governmental action.

16A. U.S. Export Controls and Sanctions

The Services are operated from the United States and are subject to U.S. export-control laws and regulations, including the Export Administration Regulations administered by the U.S. Department of Commerce and economic-sanctions programs administered by the U.S. Department of the Treasury’s Office of Foreign Assets Control (“OFAC”). You represent that you are not located in, organized under the laws of, or ordinarily resident in any jurisdiction subject to comprehensive U.S. sanctions, and that you are not a person identified on any U.S. government denied-party list. You agree not to use, export, re-export, or transfer the Services or any related technical data in violation of any applicable export-control or sanctions law.

16B. Government End Users

The Services and related documentation are “commercial items,” “commercial computer software,” and “commercial computer software documentation” as defined under the Federal Acquisition Regulation and Defense Federal Acquisition Regulation Supplement. Any use, modification, reproduction, release, performance, display, or disclosure of the Services or related documentation by or for the U.S. Government shall be governed solely by these Terms and is prohibited except to the extent expressly permitted by these Terms.

17. Assignment

You may not assign or transfer these Terms or any rights under them without our prior written consent. We may assign or transfer these Terms in connection with a merger, acquisition, financing, reorganization, or sale of assets.

18. Notices

We may give notice by email to the address on file, by in-product notification, or by posting on the applicable Service. You may give notice to us at legal@orangepandadigital.com.

19. Entire Agreement; Order of Precedence

These Terms, together with the Privacy Policy and any Product Addendum applicable to a Service you purchase, constitute the entire agreement between you and us regarding the Services and supersede all prior agreements. In case of conflict: (i) a fully executed enterprise master agreement controls over these Terms; (ii) a Product Addendum controls over these Terms with respect to the Service it covers; (iii) these Terms control over the Privacy Policy with respect to contractual obligations; (iv) the Privacy Policy controls with respect to how we handle personal information.

20. Changes to These Terms

We may update these Terms from time to time. For material changes that adversely affect your rights, we will provide at least thirty (30) days’ advance notice by email, by in-product notification, and by updating the “Last updated” date at the top of these Terms. Continued use of the Services after the effective date of a material change constitutes acceptance of the updated Terms.

21. Contact

DevelopingRiches Inc.
Attn: Legal
Email: legal@orangepandadigital.com
Billing: billing@orangepandadigital.com
Support: support@orangepandadigital.com
Privacy: privacy@orangepandadigital.com

These Terms of Service were last updated on May 31, 2026 and are effective as of May 31, 2026.