Effective Date:June 9, 2026
Last Updated: June 9, 2026
 

Welcome to www.summitaico.com (the “Site”), operated by Angelissa McArthur, a sole proprietor doing business as Summit AI Consulting, “Summit AI,” “we,” “our,” or “us.”
 

By accessing or using the Site, creating an account, submitting a form, downloading a resource, purchasing a product or service, accessing a gated link, using an assessment, or otherwise engaging with our content or services, you agree to these Terms of Use and our Privacy Policy. If you do not agree, do not use the Site or purchase our products or services.
 

Welcome to www.summitaico.com (the “Site”), operated by Angelissa McArthur, a sole proprietor doing business as Summit AI Consulting, “Summit AI,” “we,” “our,” or “us.”

By accessing or using the Site, creating an account, submitting a form, downloading a resource, purchasing a product or service, accessing a gated link, using an assessment, taking a quiz, using an app, or otherwise engaging with our content or services, you agree to these Terms of Use and our Privacy Policy. If you do not agree, do not use the Site or purchase our products or services.
 

1. Scope of Terms

These Terms apply to website use, digital products, downloadable resources, ebooks, gated resources, app access, assessments, scans, reports, quizzes, workshops, consulting services, and related purchases unless a separate signed agreement states otherwise.
 

If you enter into a separate signed agreement with Summit AI Consulting, that agreement controls for the services covered by that agreement to the extent of any conflict.
 

2. Changes to Site and Terms

We may update, modify, suspend, replace, or discontinue any part of the Site, any product or service (including apps, quizzes, and assessments), or these Terms at any time in our sole discretion, unless otherwise required by law or stated in a signed agreement.
 

We may revise these Terms by posting an updated version on this page with a new effective date. Your continued use of the Site or our products and services after the updated Terms are posted means you accept the updated Terms.
 

3. Informational Use Only

The content on this Site is provided for informational, educational, marketing, and business purposes only.
 

Website content, downloads, reports, assessments, workbooks, templates, app outputs, quiz results, blog posts, visuals, frameworks, and related materials are not legal, financial, tax, medical, or other regulated professional advice.

Some products on our Site, including automated app reports and quizzes, are fully automated and are not reviewed by a person before you receive them. These products are not personalized professional advice.
 

Nothing on this Site creates a client relationship, advisory relationship, fiduciary relationship, or professional relationship unless expressly confirmed in a separate signed agreement.
 

4. Access and License

You may view and use Site content for your own personal or internal business purposes. Unless we give written permission, you may not copy, reproduce, distribute, sell, modify, publicly display, scrape, republish, teach from, package, train AI on, or commercially exploit our content.
 

A purchase gives you a limited, non-exclusive, non-transferable, revocable license to use the purchased material for your own personal or internal business purposes only. It does not transfer ownership of our content, frameworks, design, methodology, intellectual property, or brand assets.
 

5. Products and Services

We may offer digital products, gated resources, ebooks, assessments, reports, scans, app access, quizzes, workshops, consulting services, and related products through the Site.
 

Offer descriptions, prices, access terms, delivery timing, and included materials are stated on the relevant offer page, checkout page, proposal, invoice, or signed agreement. We may change, pause, remove, rename, or discontinue any offer at any time, subject to any existing signed agreement.
 

6. AI-Assisted Outputs

Some reports, diagnostics, assessments, app outputs, quiz results, and other deliverables may use AI-assisted tools, automation, templates, analytics, or business logic.
 

AI-assisted outputs may contain errors, omissions, outdated information, incomplete reasoning, or unsupported assumptions. We do not guarantee that any AI-assisted output will be accurate, complete, original, compliant, or appropriate for every use case.
 

You are responsible for reviewing any output before relying on it, publishing it, implementing it, or using it to make business decisions.
 

We do not guarantee any specific business result, including leads, sales, revenue, rankings, traffic, conversions, customer acquisition, or funding.
 

7. Fully Automated Products (No Human Review)

Some products on our Site are fully automated and do not include human review of your specific input or output before you receive the result. These include:

• Automated app reports that generate based on your input

• Quizzes and assessments that return instant results based on your answers

For these products:

• There is no human review of your specific input or output before you receive the result.

• Results are generated based on the information you provide and the logic built into the tool.

• If your input is incomplete, inaccurate, unclear, outdated, or misleading, the resulting output may also be incomplete, inaccurate, unclear, outdated, or misleading.

Your use of fully automated products, including app reports and quizzes, is at your own risk. To the maximum extent permitted by law, Summit AI Consulting is not liable for errors, omissions, outcomes, or business decisions resulting from these products.
 

8. Buyer Readiness Scan and Limited Access

Unless otherwise stated on the offer page, access to the Buyer Readiness Scan or similar gated materials may be provided through a time-limited or single-use link.
 

You are responsible for using access links within the stated access period. Failure to open a link, download a file, or review a report during the access period does not create a refund right.
 

If a verified technical issue caused by us prevents access, we may, in our discretion, resend the link, replace access, or resend the report.
 

9. Payments and Billing

Prices may be listed on the Site, checkout page, proposal, invoice, or signed agreement and may change at any time for future purchases.
 

You are responsible for providing accurate billing and contact information. We are not responsible for failed delivery, delayed access, missed reports, or missed download windows caused by incorrect email addresses, spam filtering, payment failure, user delay, or inaccurate checkout information.
 

You are responsible for any taxes, fees, or charges that apply to your purchase unless otherwise stated.

If a payment is declined, reversed, disputed, charged back, returned, or suspected of fraud, we may suspend access, withhold deliverables, pause services, revoke licenses, cancel access links, or pursue payment recovery to the extent permitted by law.
 

10. Refund Policy

All sales are final unless a refund is required by law, expressly stated on the relevant offer page, or provided in a signed agreement.
 

We do not provide refunds for digital products, gated resources, ebooks, downloads, assessments, diagnostics, scans, app access, quizzes, reports, workshops, templates, consulting deposits, consulting services, setup fees, project fees, or service payments because you changed your mind, did not use the product, missed a workshop, failed to download the material, or expected different results.
 

No refunds will be issued because you did not find a report, scan, diagnostic, quiz result, or recommendation useful, or because you experienced business results different from what you hoped, or because a fully automated product’s output was not what you expected.
 

If a duplicate purchase, payment error, or verified technical failure occurs, we may review the situation case by case and provide a refund, credit, replacement, or resend in our discretion unless a different remedy is required by law.
 

11. User Submissions

You are responsible for all information, content, documents, data, examples, files, prompts, responses, and messages you submit through the Site or in connection with our services.
 

For automated app reports, quizzes, assessments, and similar tools, you are responsible for the accuracy, completeness, and appropriateness of the information you submit. We may rely on the information you provide, but we are not responsible for errors or poor results caused by inaccurate, incomplete, outdated, or misleading submissions.
 

By submitting information, you represent that it is accurate, complete, current, and not misleading to the best of your knowledge; that you have the right to submit it; and that you are not submitting material in violation of any law, contract, privacy right, confidentiality obligation, or intellectual property right.
 

We may refuse, remove, ignore, delete, or decline to process submissions that appear unlawful, harmful, infringing, inappropriate, or inconsistent with these Terms.
 

12. Data and Privacy

You should not submit confidential, proprietary, private, or regulated third-party information unless we have expressly agreed in writing that it is necessary and appropriate safeguards are in place.
 

This Site and our services may process personal information in accordance with our Privacy Policy. If you are a Maryland resident or otherwise covered by applicable privacy law, you may have rights regarding access, correction, deletion, portability, and certain opt-outs, as described in our Privacy Policy and applicable law.
 

13. Permission to Use Submitted Materials

You grant us permission to use information and materials you submit to provide services, generate reports, deliver products, respond to inquiries, improve offerings, document workflows, conduct quality review, and operate our business.

This permission includes use through tools, platforms, contractors, advisors, AI-assisted systems, automation tools, storage systems, and service providers reasonably needed to perform the requested work.
 

We may use anonymized or de-identified learnings, patterns, examples, or insights for service improvement, training, marketing, education, or business development, so long as we do not intentionally disclose identifiable confidential client information without permission.
 

14. Intellectual Property

All Site content, product content, reports, ebooks, downloads, templates, visuals, copy, frameworks, methodologies, designs, graphics, branding, strategy materials, app outputs, quiz results, and related materials are owned by Summit AI Consulting or licensed to us unless otherwise stated.
 

You may not use our name, logo, trade dress, branding, frameworks, content, or materials in a way that suggests endorsement, affiliation, authorship, partnership, or ownership without written permission.
 

Unauthorized use of our intellectual property may result in termination of access and legal remedies available under law.
 

15. Acceptable Use

You agree not to use the Site, forms, quizzes, assessments, app access, or products for unlawful, fraudulent, abusive, deceptive, or harmful purposes.
 

You agree not to attempt unauthorized access to any system, database, link, token, report, account, or resource; scrape, crawl, copy, extract, or reverse engineer the Site or app systems; bypass access limits, payment requirements, or time restrictions; share protected links or materials with unauthorized users; upload malware or harmful code; or use our materials to build a competing product, service, or AI tool.
 

16. Third-Party Tools

Our Site and services may use or link to third-party tools, platforms, websites, payment processors, AI tools, analytics tools, scheduling tools, storage platforms, or service providers.
 

We are not responsible for third-party websites, outages, policies, practices, security, content, errors, or service interruptions. Your use of third-party tools may be governed by their own terms and privacy policies.
 

17. Disclaimers

The Site, products, reports, scans, assessments, downloads, app access, quizzes, workshops, and content are provided “as is” and “as available.”
 

To the maximum extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, availability, and uninterrupted access.
 

We do not warrant that the Site, app access, reports, downloads, emails, payment systems, links, files, or third-party tools will be uninterrupted, error-free, secure, timely, or free from harmful components.
 

18. Limitation of Liability

To the maximum extent permitted by law, we will not be liable for indirect, incidental, consequential, special, exemplary, punitive, or lost-profit damages arising from or related to your use of the Site, products, reports, scans, assessments, app access, quizzes, downloads, workshops, consulting services, or third-party tools.
 

We are not liable for business losses, lost revenue, lost profits, lost opportunities, loss of goodwill, loss of data, reputational harm, or decisions made based on reports, recommendations, AI-assisted outputs, quiz results, or Site content.
 

To the maximum extent permitted by law, our total liability for any claim arising from or related to these Terms, the Site, or a purchase will not exceed the greater of $100 or the amount you paid to us for the product or service giving rise to the claim.
 

19. Indemnification

You agree to indemnify, defend, and hold harmless Summit AI Consulting, Angelissa McArthur, contractors, advisors, vendors, and service providers from and against claims, damages, losses, liabilities, costs, and expenses, including reasonable attorneys’ fees, arising from your use or misuse of the Site or services, your breach of these Terms, your violation of law or third-party rights, or information and materials you submit.
 

20. Suspension and Termination

We may suspend, restrict, or terminate your access if we believe you have violated these Terms, failed to pay, disputed or reversed payment, shared protected materials, submitted harmful content, or engaged in unlawful or abusive conduct.

Termination does not entitle you to a refund unless required by law or stated in a signed agreement.
 

21. Dispute Resolution

If a dispute arises, the parties agree to first attempt to resolve it through good-faith negotiation.
 

If the dispute is not resolved, the parties agree to participate in non-binding mediation before pursuing arbitration or litigation, unless emergency injunctive relief is needed to protect intellectual property, confidential information, access controls, or payment rights.
 

If mediation does not resolve the dispute, disputes shall be resolved by binding arbitration in Maryland under the rules of the American Arbitration Association, unless a separate signed agreement states otherwise or applicable law requires a different process.
 

Either party may bring an individual claim in small claims court if the claim qualifies and applicable law permits it.

Each party waives the right to a jury trial to the maximum extent permitted by law and agrees not to bring class, collective, consolidated, or representative claims to the maximum extent permitted by law.
 

22. Governing Law

These Terms are governed by the laws of the State of Maryland, without regard to conflict-of-law principles.
 

23. Miscellaneous

If any provision is found invalid, unlawful, or unenforceable, the remaining provisions remain in effect.

Our failure to enforce any provision does not waive our right to enforce it later.
 

You may not assign your rights or obligations under these Terms without written permission. We may assign our rights in connection with a merger, sale, reorganization, transfer of assets, or similar transaction.
 

We are not responsible for delays or failures caused by events beyond our reasonable control, including natural disasters, illness, labor disputes, internet outages, platform outages, cyberattacks, government actions, war, or third-party service failures.
 

24. Entire Agreement

These Terms, together with any referenced policies, offer terms, checkout terms, and our Privacy Policy, form the entire agreement between you and Summit AI Consulting for website use, digital products, downloads, app access, gated resources, assessments, quizzes, reports, workshops, and purchases not governed by a separate signed agreement.
 

24. Contact

For questions about these Terms, contact:

Angelissa McArthur
d/b/a Summit AI Consulting
info@summitaico.com
www.summitaico.com