Terms of Service

Effective Date: January 1, 2026

These Terms of Service (“Terms”) govern your access to and use of the websites and services operated by jchowlabs, LLC (“jchowlabs,” “Company,” “we,” “us,” or “our”), including:

• https://www.jchowlabs.com
• https://www.jchowlabs.chat
• Demonstration sites operated by jchowlabs, LLC

(collectively, the “Sites”), including all content, features, interactive content, voice concierge, and contact forms made available through the Sites.

By accessing or using the Sites, you agree to be bound by these Terms. If you do not agree, do not use the Sites.

1. About jchowlabs

jchowlabs, LLC is a California single-member limited liability company that operates two related business lines:

• jchowlabs.com – an AI and security advisory practice focused on helping businesses accelerate their AI adoption and improve their security posture.
• jchowlabs.chat – an AI voice concierge managed services provider focused on deploying and operating AI voice concierge services on small and mid-size business websites and telephony.

The Sites serve as an educational and demonstration platform that allows visitors to explore our services, review our work, and interact with illustrative voice and security experiences. Advisory and managed services engagements with jchowlabs are governed by separate written agreements and are not formed merely by using the Sites.

The content, interactive content, and voice concierge on the Sites are provided for educational and demonstration purposes only. They are not production systems, and no reliance should be placed on Site output for any operational, legal, or security decision.

Client production sites that we build or operate under a managed services engagement are not covered by these Terms. Those sites are governed by the client’s own terms of service and privacy policy, and our role on them is governed by the separate written agreement between jchowlabs and the client.

2. Eligibility

You must be at least 18 years of age to access or use the Sites.

By using the Sites, you represent and warrant that:

• You are at least 18 years old.
• You have the legal capacity to enter into a binding agreement.
• Your use of the Sites complies with all laws and regulations applicable in your jurisdiction.

We reserve the right to terminate access for any user we have reason to believe does not meet these requirements.

3. Scope of Services Available Through the Sites

A. Informational Content

The Sites provide articles, writeups, and advisory content related to AI, identity security, managed services, and technology. This content is provided for general informational and educational purposes only and does not constitute professional, legal, security, financial, or technical advice. Reading our content does not create an advisory, consulting, or professional relationship between you and jchowlabs.

B. Interactive Security and Identity Content

The jchowlabs.com site may, from time to time, host interactive content and labs that demonstrate identity, authentication, and security concepts. Any such content offered on our Sites is open and publicly accessible — no account or registration is required — and is designed to run entirely in your browser. Interactive content that uses your device’s camera processes all video and image data locally on your device. No image, video, or biometric data is transmitted to our servers or to any third-party biometric service, and no such data is stored. See our Privacy Policy for details.

Interactive content:

• Is experimental and educational in nature.
• May be modified, suspended, or discontinued at any time without notice.
• Is not intended to simulate or replace production security systems.
• Should not be used to process sensitive personal, financial, or confidential information.

If we introduce interactive content that requires server-side processing, we will update our Privacy Policy to reflect that, or the content will be offered in the context of a specific client engagement and governed by a separate engagement-specific notice rather than by these Terms.

C. Voice Concierge

The Sites include an optional AI-powered voice concierge that can answer questions about our services, help you navigate the Site, and demonstrate the kind of voice experience we build for managed services clients. The voice concierge on our Sites operates in demonstration mode: it does not complete real transactions or book real appointments, even on demonstration sites that resemble a business. Use of the voice concierge is opt-in and subject to your acceptance of our privacy notice and the in-widget recording notice presented by our voice provider.

The voice concierge is an automated tool and does not constitute professional advice of any kind. The voice concierge is not designed to handle medical, legal, financial, or other sensitive decisions, and you should not rely on it for those purposes.

D. Contact Forms

The Sites include contact forms that you can use to inquire about our advisory or managed services engagements. Submitting a contact form does not by itself create a professional relationship or bind either party to an engagement. Any resulting engagement will be governed by a separate written agreement.

4. Managed Services and Advisory Engagements

If you engage jchowlabs for advisory work or for managed services (for example, to build, deploy, or operate a website or voice concierge for your business), any such engagement will be governed by a separate written agreement — typically a Master Services Agreement, a Statement of Work, and, where personal information is processed on your behalf, a Data Processing Addendum. Those documents — not these Terms — govern the engagement, the scope of services, the allocation of privacy and security responsibilities, the handling of your data or your customers’ data, and the commercial and liability terms between us.

These Terms govern your use of the Sites themselves. Nothing in these Terms modifies, replaces, or supplements the terms of a separate engagement agreement between you and jchowlabs.

5. Prohibited Conduct

By using the Sites, you agree that you will not:

General Prohibitions

• Use the Sites for any unlawful purpose or in violation of any applicable law or regulation.
• Impersonate any person or entity or misrepresent your affiliation with any person or entity.
• Submit any content that is harmful, threatening, abusive, defamatory, or otherwise objectionable, including through the contact form or voice concierge.
• Interfere with or disrupt the operation of the Sites or any connected infrastructure.
• Attempt to circumvent any security measure or spam protection on our contact forms or elsewhere on the Sites.

Interactive Content and Voice Concierge Prohibitions

• Attempt to gain unauthorized access to any account, system, or data.
• Attempt to probe, scan, exploit, or test the vulnerability of the Sites, interactive content, voice concierge, or any connected infrastructure without our express written authorization.
• Use automated scripts, bots, crawlers, or similar tools to access or interact with the Sites, interactive content, or voice concierge, except for well-behaved search engine crawlers operating consistent with our robots.txt.
• Use the voice concierge to attempt to extract confidential information, manipulate underlying models or prompts, bypass safety measures, or for any purpose other than ordinary interaction.
• Use the voice concierge to transmit harassing, abusive, or unlawful content.
• Use the interactive content or voice concierge for any commercial purpose, including reproducing their flows or architectures for deployment in a commercial product or service, without our express written consent.

Content and Intellectual Property Prohibitions

• Reproduce, republish, or redistribute original written content, articles, or advisory materials from the Sites without attribution and express written permission.
• Use the jchowlabs name, branding, or marks in any way that implies endorsement or affiliation without our written consent.

We reserve the right to determine, in our sole discretion, what constitutes a violation of these Terms.

6. Intellectual Property

All original written content, articles, advisory materials, and branding on the Sites — including the jchowlabs name, logo, and site identity — are the intellectual property of jchowlabs, LLC and are protected by applicable copyright and trademark law.

Interactive content and voice concierge implementations on the Sites incorporate common, publicly documented standards and architectures (including WebAuthn, FIDO2, and publicly available browser and voice APIs), and we make no proprietary claim over those underlying technologies or patterns.

You are granted a limited, non-exclusive, non-transferable license to access and use the Sites for their intended informational and demonstration purposes. This license does not include the right to reproduce, distribute, or create derivative works from the Sites’ original content without our express written permission.

DMCA / Copyright Complaints

We respect the intellectual property rights of others. If you believe content on the Sites infringes your copyright, please send a written notice to privacy@jchowlabs.com with the subject line “DMCA Notice” that includes:

• Identification of the copyrighted work you claim has been infringed;
• Identification of the material on the Sites that you claim is infringing, with enough detail for us to locate it (for example, a URL);
• Your contact information (name, address, telephone number, email);
• A statement that you have a good faith belief that the use of the material is not authorized by the copyright owner, its agent, or the law;
• A statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf;
• Your physical or electronic signature.

We will respond to properly submitted notices consistent with the Digital Millennium Copyright Act.

7. Disclaimer of Warranties

THE SITES, CONTENT, INTERACTIVE CONTENT, AND VOICE CONCIERGE ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, JCHOWLABS, LLC EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
• WARRANTIES THAT THE SITES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.
• WARRANTIES AS TO THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY CONTENT, INTERACTIVE CONTENT OUTPUT, OR VOICE CONCIERGE RESPONSE.

Interactive content and voice concierge implementations are experimental demonstrations. They are not certified security systems, and no output from any interactive feature or voice session should be interpreted as a security assessment, certification, or professional recommendation.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

JCHOWLABS, LLC, ITS MEMBERS, OFFICERS, CONTRACTORS, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES arising out of or related to your use of or inability to use the Sites, including but not limited to loss of data, unauthorized access to your data by third parties, or reliance on any content, interactive content output, or voice concierge response.

IN NO EVENT SHALL JCHOWLABS, LLC’S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SITES EXCEED THE GREATER OF (A) FIVE HUNDRED DOLLARS ($500) OR (B) THE AMOUNT YOU HAVE PAID TO JCHOWLABS, LLC IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, regardless of the form of action or the basis of the claim.

These limitations apply whether or not jchowlabs, LLC has been advised of the possibility of such damages, and to the maximum extent permitted by law. Some jurisdictions do not allow the exclusion or limitation of certain damages; in such jurisdictions, our liability shall be limited to the maximum extent permitted by law.

Nothing in this section limits our liability for fraud, willful misconduct, gross negligence, or any other liability that cannot be limited as a matter of applicable law.

This Section 8 governs only your use of the Sites. Liability arising out of a managed services or advisory engagement is separately governed by the written agreement entered into for that engagement and is not subject to the cap in this Section.

9. Indemnification

You agree to indemnify, defend, and hold harmless jchowlabs, LLC and its members, officers, contractors, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to:

• Your use of the Sites, interactive content, or voice concierge.
• Your violation of these Terms.
• Your violation of any applicable law or regulation.
• Any content you submit through the contact form or voice concierge.

10. Access Termination and Suspension

We reserve the right to suspend or terminate your access to the Sites, interactive content, or voice concierge, with or without notice, if we reasonably believe you have:

• Violated these Terms.
• Engaged in conduct that poses a security risk to the Sites, infrastructure, or other users.
• Attempted unauthorized access to systems or data.
• Abused the voice concierge or contact forms.

Where practical and where doing so does not compromise security or the integrity of an investigation, we will attempt to notify you of a termination or suspension. We are not obligated to provide notice before acting when a security risk is present.

Termination of your access to the Sites does not affect any rights or obligations that arose before termination, including our data deletion obligations under the Privacy Policy or any separate written agreement.

11. Third-Party Services

The Sites integrate with third-party service providers including ElevenLabs (voice concierge processing), Twilio (telephone number provisioning and telephony services for phone-based voice agent deployments), Resend (contact form delivery), GitHub (static site hosting), and Cloudflare (content delivery, edge routing, and abuse prevention). Your interactions with these services may be subject to their own terms and privacy policies, in addition to our Privacy Policy.

We are not responsible for the practices, content, or availability of any third-party service. Links to third-party sites or services do not constitute our endorsement of those sites or services.

12. Accessibility

We are committed to making the Sites usable by the broadest possible audience, including individuals with disabilities. If you encounter an accessibility barrier on the Sites or need content provided in an alternative format, please contact privacy@jchowlabs.com and we will make reasonable efforts to address the issue or provide an accessible alternative.

13. Changes to These Terms

We may update these Terms periodically. Updates will be posted with a revised effective date.

For non-material changes, continued use of the Sites following the updated effective date constitutes your acceptance of the revised Terms.

For material changes — including changes to the limitation of liability, prohibited conduct, or dispute resolution provisions — we will provide reasonable advance notice. Where required by applicable law, we will seek fresh consent before material changes take effect.

14. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

A. Informal Resolution First

Before initiating any arbitration or legal proceeding, you agree to contact us at privacy@jchowlabs.com with a written description of your dispute and the relief you seek, and give us 30 days to attempt to resolve it informally. This requirement does not apply if you are seeking emergency injunctive relief. We agree to the same obligation before initiating any claim against you.

B. Binding Arbitration

If a dispute cannot be resolved informally, you and jchowlabs, LLC agree to resolve it through final and binding arbitration rather than in court, except as provided in Section 14C below.

Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, which are available at www.adr.org. The arbitration will be conducted in California, or by telephone or video at either party’s election. The arbitrator shall apply California law. Judgment on the arbitration award may be entered in any court of competent jurisdiction.

This arbitration agreement is mutual. jchowlabs, LLC also agrees to resolve disputes with you through arbitration rather than court, on the same terms.

For claims under $10,000, you may choose whether the arbitration proceeds by telephone, video, written submissions, or in person. For claims under $25,000, AAA’s Expedited Procedures apply.

Your share of arbitration fees will not exceed $200 for consumer claims under AAA’s Consumer Arbitration Rules. We will cover any remaining AAA administrative fees.

C. Small Claims Court Carve-Out

Either party may bring an individual claim in small claims court in California instead of arbitration, provided the claim qualifies for small claims court and remains an individual claim.

D. Class Action Waiver

YOU AND JCHOWLABS, LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING.

The arbitrator may not consolidate more than one person’s claims and may not preside over any class or representative proceeding. If this class action waiver is found unenforceable for any reason, the entire arbitration agreement in Section 14B shall be null and void, and the dispute shall be resolved in court under Section 14E.

E. Courts for Non-Arbitrable Claims

For any claim that is not subject to arbitration under these Terms — including disputes about the validity or scope of the arbitration agreement itself — you consent to the exclusive jurisdiction of the state and federal courts located in California.

15. Severability and Waiver

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

Our failure to enforce any provision of these Terms shall not constitute a waiver of our right to enforce that provision in the future.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and jchowlabs, LLC regarding your use of the Sites, and supersede any prior agreements or understandings on that subject. Any managed services or advisory engagement between you and jchowlabs is governed by a separate written agreement, which controls over these Terms with respect to the subject matter of that engagement.

17. Contact Information

jchowlabs, LLC
California, United States
Email: privacy@jchowlabs.com