Terms and Conditions

---

Terms and Conditions

Effective Date: 2/25/2025

Welcome to Specialists.co, a website owned and operated by Stoke IQ Inc. ("Stoke IQ," "we," "us," or "our"). By accessing or using this website and any related platforms, services, and content (collectively, the "Website"), you agree to be bound by these Terms and Conditions (the "Agreement"). This Agreement also governs your use of any services, tools, or resources provided by Stoke IQ through the Website (collectively, the "Services").

If you do not agree to these Terms and Conditions, please do not use the Website or Services.

• "You" or "Your" refers to any person accessing or using the Website or Services, including those acting on behalf of others.
• "Stoke IQ," "us," or "we" refers to Stoke IQ Inc. and all of its affiliates and subsidiaries.
• "Providers" includes but is not limited to businesses, professionals, service providers, contractors, or any other entities offering products or services through the Website or partnered with Stoke IQ.

Stoke IQ reserves the right to change or modify this Agreement at any time. Any modifications will become effective immediately upon posting. Your continued use of the Website and Services after such modifications constitute your acceptance of the revised Agreement. It is your responsibility to review these Terms and Conditions regularly.

The Website and Services are intended for individuals who are at least 18 years of age and who access the internet from a physical location within the United States. By using this Website, you represent and warrant that you meet these eligibility requirements.

Our Privacy Policy, which explains how we collect, use, and protect your personal information, is incorporated by reference into this Agreement. By using the Website, you consent to our data practices as described in our Privacy Policy.

All content, trademarks, graphics, images, text, interfaces, and computer code on the Website (collectively, "Content") are owned or licensed by Stoke IQ and protected by applicable intellectual property laws. You agree not to copy, reproduce, modify, distribute, or create derivative works from any Content without our express written consent.

6.1 No Warranties THE WEBSITE AND SERVICES ARE PROVIDED "AS IS" WITHOUT ANY WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. STOKE IQ MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY CONTENT OR SERVICE OFFERED THROUGH THE WEBSITE.

6.2 Limitation of Liability UNDER NO CIRCUMSTANCES SHALL STOKE IQ BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF YOUR USE OF THE WEBSITE OR SERVICES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, STOKE IQ'S TOTAL LIABILITY FOR ANY CLAIM ARISING FROM OR RELATED TO THIS AGREEMENT, THE WEBSITE, OR THE SERVICES SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100). THIS LIMITATION APPLIES REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF STOKE IQ HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

You agree to indemnify and hold harmless Stoke IQ and its officers, directors, employees, agents, and affiliates from any claims, damages, losses, or expenses arising from your use of the Website, violation of this Agreement, or infringement of any third-party rights.

The Website may contain links to third-party websites. Stoke IQ does not endorse or control these third-party sites and is not responsible for their content, services, or privacy practices. Your use of third-party websites is at your own risk.

Stoke IQ is not responsible for any errors, delays, or failures in the transmission of information due to technical issues beyond our control.

10.1 Arbitration Agreement Any dispute between you and Stoke IQ shall be resolved exclusively through binding arbitration administered by the American Arbitration Association ("AAA"). You waive your right to a jury trial or participation in a class-action lawsuit.

10.2 Governing Law This Agreement is governed by the laws of the State of [Insert State], without regard to conflict of law principles.

• This Agreement constitutes the entire agreement between you and Stoke IQ regarding your use of the Website and Services.
• If any provision of this Agreement is deemed invalid or unenforceable, the remaining provisions shall remain in full force and effect.
• Your continued use of the Website signifies your understanding and acceptance of these Terms and Conditions.

Specialists.co is paid a marketing fee by Providers for services provided. Your use of the Websites and/or Specialists.co’s services constitutes your agreement with this compensation arrangement.