The Rutter Organization — www.rutterorganization.com

Effective Date: April 18, 2026

Last Updated: April 18, 2026

IMPORTANT NOTICE REGARDING ARBITRATION AND DISPUTE RESOLUTION

These Terms contain a binding arbitration provision and a waiver of jury trials and class actions. Please read Sections 14 and 15 carefully before using our Services. By using the Website or Services, You agree to resolve disputes through binding individual arbitration rather than in court.

These Terms of Use (“Terms” or “Agreement”) constitute a legally binding agreement between The Rutter Organization (“The Rutter Organization,” “We,” “Us,” or “Our”), the owner and operator of www.rutterorganization.com (“Website”), and you, the user (“You” or “Your”).

These Terms govern Your access to and use of the Website, including all applications, tools, online services, data, materials, and communications provided through the Website or any other channels operated by The Rutter Organization (collectively, the “Services”).

By accessing, browsing, or using the Services in any manner, You acknowledge that You have read, understood, and agree to be bound by these Terms, including our Privacy Policy, which is incorporated herein by reference. If You do not agree to these Terms in their entirety, You must discontinue use of the Website and Services immediately.

We reserve the right to modify, amend, or update these Terms at any time, in Our sole discretion. Any changes become effective immediately upon posting to the Website. Your continued use of the Services following the posting of revised Terms constitutes Your acceptance of such changes. We encourage You to review these Terms periodically.

The Services are intended for use by adults operating a business. You must be at least eighteen (18) years of age, or the age of legal majority in Your jurisdiction, whichever is greater, to access or use the Services.

By using the Services, You represent and warrant that You meet the foregoing eligibility requirements and that You have the full legal capacity and authority to enter into and be bound by this Agreement. If You are using the Services on behalf of a business or other legal entity, You further represent and warrant that You have the authority to bind that entity to these Terms.

Your privacy is important to Us. Our collection, use, storage, and protection of personal information is governed by Our Privacy Policy, which is available on the Website. The Privacy Policy describes the types of information We collect, how We use and share that information, and the choices available to You.

By accessing or using the Services, You consent to the data practices described in the Privacy Policy. We encourage You to review the Privacy Policy carefully before providing any personal information through the Website.

Certain areas of the Website may employ Secure Sockets Layer (SSL) technology or equivalent encryption protocols to protect data transmitted between Your browser and Our servers. While We implement commercially reasonable administrative, technical, and physical safeguards to protect Your information, no method of electronic transmission or storage is completely secure.

We cannot and do not guarantee absolute security of Your data. You acknowledge and accept this inherent risk when using the Services.

You are solely responsible for safeguarding Your login credentials, passwords, and personal information. You agree to take reasonable precautions to protect Your account, particularly when accessing the Services from shared, public, or unsecured devices. You must notify Us immediately if You become aware of any unauthorized access to or use of Your account.

All content available on or through the Website — including, without limitation, text, images, photographs, video, audio, data, graphics, logos, trademarks, service marks, trade names, software, and user interface design — is owned by or licensed to The Rutter Organization and is protected by applicable United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. All rights not expressly granted herein are reserved by The Rutter Organization.

You may not copy, reproduce, republish, upload, post, transmit, distribute, display, modify, sell, license, reverse engineer, decompile, disassemble, or create derivative works from any content available through the Services without the prior express written authorization of The Rutter Organization.

Your use of the Services is limited to personal, non-commercial purposes only. Sharing account credentials, login information, or Service content with third parties is strictly prohibited. Unauthorized use of any content or materials available through the Services may subject You to civil liability and criminal penalties under applicable law.

You agree to use the Website and Services only for lawful purposes and in full compliance with all applicable local, state, national, and international laws and regulations. You shall not:

• Use the Website or Services for any competitive purpose, or copy, redistribute, or commercially exploit any content without Our prior written consent;
• Use automated tools, including but not limited to bots, scrapers, spiders, crawlers, or data mining software, to access, index, or extract data from the Website without express written authorization;
• Attempt to access or obtain any materials, data, or information not intentionally made publicly available through the Website;
• Compromise, or attempt to compromise, the security, integrity, or availability of the Website, Our servers, or any connected systems or networks;
• Impersonate any person or entity, or falsely state or otherwise misrepresent Your identity or affiliation with any person or entity;
• Interfere with, disrupt, or impose an unreasonable burden on the operation of the Website or any connected networks or infrastructure; or
• Post, upload, transmit, or distribute any content that is unlawful, obscene, defamatory, libelous, threatening, harassing, abusive, or otherwise objectionable.

By submitting Your contact information through the Website, You expressly consent to receive communications from The Rutter Organization, including but not limited to telephone calls (which may be pre-recorded or made using automated dialing technology), text messages (SMS and MMS), and emails, at the telephone number(s) and email address(es) You provide.

You acknowledge and agree that these communications may be delivered using automated technology, and that such communications may be sent even if Your telephone number is listed on any state or federal Do Not Call registry.

Standard message and data rates may apply, as determined by Your wireless carrier. Consent to receive communications is not a condition of purchasing any goods or services from The Rutter Organization. You may opt out of receiving communications at any time by following the instructions provided in the communication or by contacting Us directly.

The Rutter Organization respects the intellectual property rights of others and expects users of the Services to do the same. If You believe that copyrighted material has been used on or through the Website in a manner that constitutes copyright infringement, You may submit a written notification to Our Designated Agent. Your notice must include the following:

1. A physical or electronic signature of the person authorized to act on behalf of the owner of the copyright interest;
2. A description of the copyrighted work that You claim has been infringed;
3. A description of the location on the Website where the allegedly infringing material is located, with sufficient detail to enable Us to find it;
4. Your contact information, including address, telephone number, and email address;
5. A statement by You that You have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
6. A statement by You, made under penalty of perjury, that the information in Your notice is accurate and that You are the copyright owner or are authorized to act on behalf of the copyright owner.

Counter-notifications may be submitted pursuant to 17 U.S.C. § 512(g)(2)–(3). A valid counter-notification must include:

1. Identification of the material that has been removed or to which access has been disabled, and the location where the material appeared before it was removed or disabled;
2. Your name, address, telephone number, and email address, and a statement that You consent to the jurisdiction of the federal court in the district where Your address is located (or, if Your address is outside the United States, any judicial district in which The Rutter Organization may be found);
3. A statement, under penalty of perjury, that You have a good-faith belief that the material was removed or disabled as a result of mistake or misidentification; and
4. Your physical or electronic signature.

Please be advised that You may be held liable for damages, including attorneys’ fees, if You materially misrepresent that content on the Website is infringing or that it was removed or disabled by mistake or misidentification.

The Website may contain hyperlinks to websites operated by third parties. These links are provided solely for Your convenience and informational purposes. The inclusion of any link does not imply endorsement, sponsorship, or affiliation by The Rutter Organization with the linked website or its operators.

We have no control over, and assume no responsibility for, the content, accuracy, privacy policies, or practices of any third-party websites. Your use of any linked third-party website is entirely at Your own risk, and We encourage You to review the terms and privacy policies of any website You visit.

Your use of the Website and Services is at Your sole risk. While We make reasonable efforts to ensure the accuracy and reliability of the content provided, We do not guarantee that any information on the Website is complete, current, or free from error.

ALL CONTENT, MATERIALS, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT ANY WARRANTY OR REPRESENTATION OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

THE RUTTER ORGANIZATION DOES NOT WARRANT THAT THE WEBSITE OR SERVICES WILL OPERATE WITHOUT INTERRUPTION, WILL BE ERROR-FREE, OR WILL BE FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM THE RUTTER ORGANIZATION OR THROUGH THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

IN NO EVENT SHALL THE RUTTER ORGANIZATION, ITS AFFILIATES, SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, BUSINESS, GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF (OR INABILITY TO USE) THE WEBSITE OR SERVICES, REGARDLESS OF THE THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF THE RUTTER ORGANIZATION HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF THE RUTTER ORGANIZATION FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL FEES ACTUALLY PAID BY YOU TO THE RUTTER ORGANIZATION DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00).

THE RUTTER ORGANIZATION DOES NOT GUARANTEE, WARRANT, OR ASSUME LIABILITY FOR ANY WORK PERFORMED BY ANY CONTRACTOR, VENDOR, OR THIRD PARTY REFERRED, RECOMMENDED, OR OTHERWISE CONNECTED THROUGH THE WEBSITE OR SERVICES. YOU HEREBY WAIVE AND RELEASE ALL CLAIMS AGAINST THE RUTTER ORGANIZATION ARISING FROM OR RELATED TO THIRD-PARTY REFERRALS.

THE LIMITATIONS SET FORTH IN THIS SECTION SHALL SURVIVE AND APPLY EVEN IF ANY LIMITED REMEDY SPECIFIED IN THESE TERMS IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE, AND SHALL INURE TO THE BENEFIT OF THE RUTTER ORGANIZATION AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS.

You agree to indemnify, defend, and hold harmless The Rutter Organization, its affiliates, subsidiaries, officers, directors, employees, agents, and licensors from and against any and all claims, demands, actions, damages, losses, costs, liabilities, and expenses (including reasonable attorneys’ fees and court costs) arising out of or related to:

(a)    Your breach of any term, condition, representation, or warranty contained in this Agreement;

(b)    Any content, materials, or information You submit, post, transmit, or otherwise make available through the Services; or

(c)    Your violation of any applicable law, regulation, or the rights of any third party.

This indemnification obligation shall survive the termination of this Agreement and Your use of the Services.

You shall not post, upload, transmit, distribute, or otherwise make available through the Website or Services any content that is pornographic, obscene, indecent, defamatory, libelous, threatening, harassing, abusive, hateful, or otherwise unlawful or objectionable.

While The Rutter Organization reserves the right to monitor, review, and remove content and transmissions made through the Services at its sole discretion, We assume no obligation to do so and shall have no liability for user-generated content or third-party submissions.

You and The Rutter Organization mutually agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or the relationship between You and The Rutter Organization (including the validity, enforceability, or scope of this arbitration provision) shall be resolved exclusively through final and binding arbitration before a single arbitrator, rather than in a court of law, except as expressly set forth in Section 14.3 below.

Arbitration shall be administered by the American Arbitration Association (“AAA”) in accordance with its Commercial Arbitration Rules then in effect. The arbitration shall take place in El Paso, Texas, or at another location mutually agreed upon by the parties. The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Notwithstanding the foregoing, either party may:

(a)    Bring a qualifying claim in small claims court in El Paso, Texas, or in the county within the United States where You reside or work, provided the claim falls within that court’s jurisdictional limits; or

(b)    Seek temporary or preliminary injunctive relief in a court of competent jurisdiction for unauthorized use of intellectual property or breach of confidentiality obligations, without first submitting to arbitration.

If the arbitration provision in this Section is found to be inapplicable or unenforceable with respect to any particular claim or dispute, You consent to the exclusive jurisdiction of the state and federal courts located in El Paso County, Texas, for the resolution of such claim or dispute.

JURY TRIAL WAIVER: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, EACH PARTY HEREBY IRREVOCABLY AND UNCONDITIONALLY WAIVES ANY AND ALL RIGHTS TO A TRIAL BY JURY IN ANY ACTION, PROCEEDING, OR COUNTERCLAIM ARISING OUT OF OR IN ANY WAY RELATED TO THIS AGREEMENT OR THE SERVICES.

CLASS ACTION WAIVER: ALL DISPUTES, CLAIMS, AND PROCEEDINGS MUST BE BROUGHT IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, CLASS MEMBER, OR PARTICIPANT IN ANY PURPORTED CLASS, CONSOLIDATED, MULTI-PARTY, OR REPRESENTATIVE ACTION OR PROCEEDING. YOU AGREE THAT CLASS ARBITRATIONS, CLASS ACTIONS, AND PRIVATE ATTORNEY GENERAL ACTIONS ARE NOT PERMITTED UNDER THIS AGREEMENT.

If this Section 15 is held to be unenforceable in whole or in part, the entire Binding Arbitration provision set forth in Section 14 shall be deemed void and of no further force or effect, and the parties shall resolve disputes in accordance with Section 16 below.

This Agreement shall be governed by, and construed and interpreted in accordance with, the laws of the State of Texas, without giving effect to any choice-of-law or conflict-of-law rules or provisions that would cause the application of the laws of any other jurisdiction.

Subject to the arbitration provisions set forth in Section 14, You hereby irrevocably consent to the exclusive personal jurisdiction and venue of the state and federal courts located in El Paso County, Texas, for any action or proceeding arising out of or related to this Agreement or the Services.

If You access the Website or use the Services from a location outside the United States, You do so at Your own initiative and are solely responsible for compliance with all applicable local, national, and international laws and regulations.

This Agreement, together with the Privacy Policy and any other policies or notices referenced herein, constitutes the entire agreement between You and The Rutter Organization with respect to the subject matter hereof and supersedes all prior or contemporaneous agreements, understandings, negotiations, and representations, whether written or oral.

No failure or delay by The Rutter Organization in exercising any right, power, or remedy under this Agreement shall operate as a waiver thereof, nor shall any single or partial exercise of any right preclude further exercise of that or any other right. Any waiver must be in writing and signed by an authorized representative of The Rutter Organization to be effective.

If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, severed from this Agreement. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force and effect.

You may not assign, transfer, or delegate this Agreement or any of Your rights or obligations hereunder without the prior written consent of The Rutter Organization. The Rutter Organization may freely assign this Agreement, in whole or in part, without Your consent in connection with a merger, acquisition, corporate reorganization, sale of assets, or transfer of substantially all of its voting securities. This Agreement shall be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.

If You have any questions, concerns, or inquiries regarding these Terms of Use, please contact Us at:

The Rutter Organization

Email: rutter1040@gmail.com

Website: www.rutterorganization.com

© 2026 The Rutter Organization. All rights reserved.