LEGAL

Terms of Service

Last updated: February 2026 · Effective: February 16, 2026

Please read these Terms carefully. By accessing or using incorporator, you agree to be bound by these Terms of Service. incorporator is an informational comparison platform — not a law firm, tax advisor, or financial institution. Nothing on this platform constitutes professional advice. Consult qualified professionals before making incorporation decisions.

1. Definitions and Interpretation

In these Terms of Service ("Terms"), the following definitions apply unless the context requires otherwise:

"Platform" means the incorporator website, application programming interfaces, and all associated services accessible at incorporator.io and its subdomains. "User," "you," or "your" refers to any individual or entity that accesses, browses, or uses the Platform, whether registered or unregistered. "We," "us," "our," or "incorporator" refers to the operators of the Platform. "Content" means all text, data, graphics, images, software, jurisdiction data, ratings, scores, AI-generated recommendations, user reviews, and other materials available on or through the Platform. "CSP" means a corporate service provider, formation agent, registered agent, or similar entity listed on the Platform. "Subscription" means a paid access tier (Professional, Premium, or Enterprise) that unlocks additional Platform features. "AI Advisor" means the algorithmic recommendation engine that generates jurisdiction suggestions based on user inputs and Platform data.

Headings are for convenience only and do not affect interpretation. References to statutes include amendments and successor legislation. The singular includes the plural and vice versa. "Including" means "including without limitation."

2. Acceptance and Eligibility

By accessing or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you are accessing the Platform on behalf of a legal entity, you represent and warrant that you have the authority to bind that entity to these Terms, and "you" shall refer to such entity.

You must be at least 18 years of age, or the age of legal majority in your jurisdiction, whichever is greater, to use the Platform. By using the Platform, you represent and warrant that you meet this eligibility requirement. If you do not agree to these Terms, you must immediately discontinue use of the Platform.

These Terms constitute a legally binding agreement between you and incorporator. They govern your access to and use of the Platform to the exclusion of any other terms that you may seek to impose or incorporate, whether by way of purchase order, confirmation of order, specification, or otherwise.

3. Nature of Services — Informational Platform Only

incorporator operates as a comparison and intelligence platform that aggregates, organizes, and presents publicly available data regarding international business formation jurisdictions and corporate service providers. The Platform is designed to assist users in conducting preliminary research and is expressly not a substitute for professional advice.

The Platform does not provide, and nothing on the Platform shall be construed as constituting, legal advice, tax advice, financial advice, investment advice, immigration advice, or any other form of professional counsel. No attorney-client, advisor-client, fiduciary, or professional-client relationship is created between you and incorporator, its operators, employees, contributors, or affiliates by virtue of your use of the Platform.

The jurisdiction data, trust scores, ratings, formation cost estimates, and other metrics presented on the Platform represent our best effort to compile and organize publicly available information. These data points involve inherent subjectivity, are subject to interpretation, and may not reflect the most current legal or regulatory developments in any given jurisdiction. Users acknowledge that incorporation law, tax policy, and regulatory frameworks are complex, jurisdiction-specific, and subject to frequent change, and that reasonable professionals may disagree on the interpretation or significance of any given data point.

4. AI Advisor — Limitations and Appropriate Use

The AI Advisor is an algorithmic tool that generates jurisdiction recommendations based on a combination of user-provided inputs, Platform data, and machine learning models. The AI Advisor is designed to narrow the field of potential jurisdictions for further professional evaluation — it is not designed to, and does not, provide definitive guidance.

You acknowledge and agree that: (a) AI-generated recommendations are probabilistic outputs based on available data and may contain errors, omissions, or biases inherent in the underlying data or model; (b) the AI Advisor does not have access to your complete personal, financial, legal, or tax circumstances and cannot account for factors not disclosed in your inputs; (c) the AI Advisor does not consider bilateral or multilateral tax treaties specific to your situation, pending legislation, enforcement practices, judicial interpretations, or administrative guidance that may materially affect the suitability of any jurisdiction; (d) AI recommendations may become outdated as laws change, and the Platform does not guarantee real-time updates to its recommendation engine; and (e) you bear sole responsibility for any decisions made in reliance on AI-generated recommendations.

We strongly recommend that you treat AI Advisor outputs as a starting point for professional consultation, not as a final recommendation. Engaging qualified legal, tax, and financial advisors who are licensed in the relevant jurisdictions is essential before making any incorporation, restructuring, or relocation decision.

5. User Accounts and Security

Certain Platform features require registration. When you create an account, you agree to provide accurate, current, and complete information and to update such information to keep it accurate, current, and complete. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account, whether or not authorized by you.

You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We shall not be liable for any loss or damage arising from your failure to comply with this section. We reserve the right to suspend or terminate accounts that we reasonably believe have been compromised, are being used in violation of these Terms, or are being used for fraudulent or illegal purposes.

Account sharing is prohibited. Each account is licensed for use by a single individual or, in the case of enterprise accounts, by the number of authorized users specified in the applicable subscription agreement.

6. Subscription Plans, Payments, and Refunds

The Platform offers free and paid subscription tiers. Paid subscriptions unlock additional features including advanced jurisdiction filters, expanded comparison capabilities, premium AI Advisor access, and priority support. Subscription fees are as published on the Platform at the time of purchase and are billed in advance on a monthly or annual basis, as selected by you.

Payments processed via cryptocurrency are facilitated by third-party payment processors and are subject to the terms and conditions of those processors. Due to the irreversible nature of blockchain transactions, cryptocurrency payments are non-refundable except where required by applicable consumer protection law. For fiat currency payments, refund requests must be submitted within 14 days of the initial subscription purchase, provided that you have not materially used the paid features during that period.

We reserve the right to modify subscription pricing upon 30 days' prior written notice. Price changes will not affect the current billing period of existing subscribers. If you do not agree to a price change, your sole remedy is to cancel your subscription before the new pricing takes effect. Failure to cancel constitutes acceptance of the revised pricing.

Free tier users acknowledge that free access may be modified, limited, or discontinued at any time without notice. We are under no obligation to maintain any particular level of free access.

7. Corporate Service Provider Listings and Marketplace

The Platform lists third-party CSPs for informational and comparison purposes. The inclusion of any CSP on the Platform does not constitute an endorsement, recommendation, guarantee, or warranty of that CSP's services, qualifications, regulatory compliance, financial stability, or fitness for any particular purpose.

You acknowledge and agree that: (a) any engagement with a CSP is a separate contractual relationship solely between you and that CSP, and incorporator is not a party to, and bears no responsibility for, such engagement; (b) CSP pricing, service descriptions, and availability displayed on the Platform are provided by the CSPs themselves or compiled from publicly available sources, and may not reflect current offerings; (c) user reviews and ratings reflect individual experiences and opinions, are not independently verified by incorporator unless explicitly stated, and may not be representative of overall service quality; (d) the Platform may receive referral fees, commissions, or other compensation from CSPs, which may influence listing placement but does not affect the underlying data or user-generated ratings; and (e) incorporator does not verify the professional licenses, insurance coverage, regulatory standing, or beneficial ownership of listed CSPs unless explicitly indicated through our verification program.

CSPs that claim or manage their profiles on the Platform are bound by separate Partner Terms. The existence of a claimed profile does not imply that incorporator has conducted due diligence on that CSP beyond the scope of our standard verification procedures.

8. User-Generated Content

When you submit reviews, ratings, corrections, reports, or other content ("User Content") to the Platform, you grant incorporator a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, sublicensable license to use, reproduce, modify, adapt, publish, translate, distribute, and display such User Content in connection with the Platform and our business operations, including marketing and promotional activities.

You represent and warrant that: (a) you own or have the necessary rights to submit the User Content; (b) the User Content does not infringe any third-party intellectual property, privacy, or other rights; (c) the User Content is truthful and based on your genuine experience; (d) you have no undisclosed financial relationship with or interest in any CSP about which you submit a review; and (e) the User Content does not contain defamatory, obscene, threatening, or otherwise unlawful material.

We reserve the right, but are not obligated, to monitor, moderate, edit, or remove any User Content at our sole discretion. We may remove content that we reasonably believe violates these Terms, our community guidelines, or applicable law, or that may expose us or third parties to legal liability. Removal of User Content does not constitute an admission that the content was unlawful or that we have any obligation to monitor content.

9. Intellectual Property

All Content on the Platform, including but not limited to the compilation of jurisdiction data, the structure and organization of the database, proprietary scoring methodologies, trust score algorithms, AI models, software, user interface design, trademarks, logos, and documentation, is the property of incorporator or its licensors and is protected by applicable intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for your personal or internal business purposes in accordance with these Terms. You may not: (a) reproduce, distribute, publicly display, or create derivative works from Platform Content except as expressly permitted; (b) scrape, crawl, or use automated means to extract data from the Platform without our prior written consent; (c) reverse engineer, decompile, or disassemble any Platform software; (d) use Platform data to build a competing product or service; or (e) remove, alter, or obscure any proprietary notices on the Platform.

The compilation of jurisdiction data on the Platform constitutes a protectable database under applicable law. While individual data points may be publicly available, the selection, arrangement, scoring methodology, and presentation of such data represent substantial investment and creative effort by incorporator.

10. Data Accuracy and Currency

We endeavor to maintain accurate and current jurisdiction data, but we do not warrant the accuracy, completeness, reliability, or timeliness of any information on the Platform. Jurisdiction data is compiled from multiple sources including government registries, regulatory publications, international organization reports, and third-party contributions. Data may be outdated, incomplete, or subject to differing interpretations.

You acknowledge that: (a) tax rates, formation costs, regulatory requirements, and other jurisdiction-specific data are subject to change without notice as governments amend laws and regulations; (b) there may be a material delay between when changes take effect in a jurisdiction and when they are reflected on the Platform; (c) certain data points, including trust scores, banking ease ratings, and privacy indices, involve subjective assessment and represent our analytical judgment rather than objective fact; (d) the Platform covers over 230 jurisdictions and 100 data points per jurisdiction, and errors or omissions are statistically inevitable despite our quality control efforts; and (e) you bear sole responsibility for independently verifying any data before relying on it for business decisions.

We welcome user-submitted corrections through our correction reporting system. Submitted corrections are reviewed but not guaranteed to be implemented. The decision to update any data point rests solely with incorporator.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, INCORPORATOR, ITS OPERATORS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, AND AFFILIATES (COLLECTIVELY, THE "INCORPORATOR PARTIES") SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, BUSINESS OPPORTUNITIES, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH: (A) YOUR USE OF OR INABILITY TO USE THE PLATFORM; (B) ANY DECISIONS MADE OR ACTIONS TAKEN IN RELIANCE ON INFORMATION OBTAINED THROUGH THE PLATFORM; (C) ANY ENGAGEMENT WITH THIRD-PARTY CSPS LISTED ON THE PLATFORM; (D) ANY ERRORS, OMISSIONS, OR INACCURACIES IN JURISDICTION DATA, AI RECOMMENDATIONS, OR OTHER PLATFORM CONTENT; (E) ANY UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA OR ACCOUNT; OR (F) ANY OTHER MATTER RELATING TO THE PLATFORM.

THE AGGREGATE LIABILITY OF THE INCORPORATOR PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE GREATER OF: (I) THE TOTAL AMOUNT PAID BY YOU TO INCORPORATOR IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (II) ONE HUNDRED US DOLLARS (USD $100).

THIS LIMITATION APPLIES REGARDLESS OF THE LEGAL THEORY UNDER WHICH DAMAGES ARE SOUGHT, INCLUDING NEGLIGENCE, BREACH OF CONTRACT, BREACH OF WARRANTY, STRICT LIABILITY, OR ANY OTHER THEORY, AND REGARDLESS OF WHETHER THE INCORPORATOR PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, the liability of the incorporator Parties shall be limited to the fullest extent permitted by applicable law.

12. Indemnification

You agree to indemnify, defend, and hold harmless the incorporator Parties from and against any and all claims, demands, actions, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or relating to: (a) your use of the Platform; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) your User Content; (e) your engagement with any CSP; or (f) your infringement of any third-party rights.

This indemnification obligation survives the termination of your account and these Terms. We reserve the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification by you, in which event you agree to cooperate with our defense of such claim.

13. Regulatory Compliance and Prohibited Uses

You are solely responsible for ensuring that your use of the Platform and any information obtained through it complies with all applicable laws and regulations in your jurisdiction of residence, citizenship, and business operations. This includes, without limitation, compliance with anti-money laundering (AML) laws, counter-terrorism financing (CTF) regulations, know-your-customer (KYC) requirements, tax reporting obligations (including FATCA, CRS, and equivalent regimes), beneficial ownership disclosure requirements, and sanctions regulations.

incorporator does not facilitate, encourage, or condone tax evasion, money laundering, sanctions evasion, terrorist financing, or any other illegal activity. The Platform is designed exclusively to support legitimate business formation research and decision-making.

You agree not to use the Platform: (a) for any unlawful purpose or in furtherance of any illegal activity; (b) to evade taxes or circumvent regulatory requirements; (c) to launder money or conceal the proceeds of crime; (d) to violate any applicable sanctions, export controls, or trade restrictions; (e) to harass, abuse, or harm other users or CSPs; (f) to submit false, misleading, or defamatory reviews or content; (g) to interfere with or disrupt the Platform's infrastructure; or (h) to access or attempt to access accounts or data belonging to other users.

14. Termination and Suspension

We may suspend or terminate your access to the Platform immediately, without prior notice or liability, if we reasonably believe that: (a) you have breached any provision of these Terms; (b) your account is being used for fraudulent, illegal, or unauthorized purposes; (c) continued access poses a security risk to the Platform or other users; or (d) we are required to do so by law or regulatory order.

You may terminate your account at any time by contacting us or using the account deletion feature. Upon termination: (a) your right to access the Platform ceases immediately; (b) any outstanding subscription fees remain due and payable; (c) we may retain your data as required by applicable law or legitimate business purposes, subject to our Privacy Policy; and (d) provisions of these Terms that by their nature should survive termination shall survive, including but not limited to Sections 8 (User Content license), 9 (Intellectual Property), 11 (Limitation of Liability), 12 (Indemnification), and 15 (Governing Law).

Termination of your account does not entitle you to a refund of any prepaid subscription fees, except as required by applicable consumer protection law.

15. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. This choice of law applies regardless of your country of residence or the jurisdiction from which you access the Platform.

Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, shall first be submitted to good-faith negotiation between the parties for a period of thirty (30) days. If the dispute is not resolved through negotiation, it shall be finally resolved by binding arbitration administered under the rules of the London Court of International Arbitration (LCIA). The seat of arbitration shall be London, England. The language of the arbitration shall be English. The arbitral award shall be final and binding and may be enforced in any court of competent jurisdiction.

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights or confidential information.

16. Modifications to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email to registered users and/or by posting a prominent notice on the Platform at least fourteen (14) days before the changes take effect. Non-material changes, such as typographical corrections or clarifications, may be made without prior notice.

Your continued use of the Platform after the effective date of any modification constitutes your acceptance of the modified Terms. If you do not agree to the modified Terms, you must discontinue use of the Platform and, if applicable, cancel your subscription before the changes take effect.

We will maintain an archive of previous versions of these Terms, accessible upon request, so that you may review the terms that were in effect at any given time.

17. General Provisions

Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

Waiver: The failure of incorporator to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of incorporator.

Entire Agreement: These Terms, together with the Privacy Policy and any applicable subscription agreement, constitute the entire agreement between you and incorporator regarding the Platform and supersede all prior or contemporaneous agreements, representations, and understandings.

Assignment: You may not assign or transfer these Terms or any rights hereunder without our prior written consent. We may assign these Terms without restriction.

Force Majeure: We shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to acts of God, war, terrorism, pandemics, government actions, natural disasters, or internet service disruptions.

Notices: Notices to you may be sent to the email address associated with your account. Notices to us should be sent to [email protected].

No Third-Party Beneficiaries: These Terms do not create any third-party beneficiary rights, except that the incorporator Parties are intended third-party beneficiaries of the indemnification and limitation of liability provisions.

18. Contact Information

For questions, concerns, or notices regarding these Terms of Service, please contact:

incorporator Legal Department Email: [email protected]

For data protection inquiries, please contact: [email protected] For general support, please contact: [email protected]