Terms & Conditions

1. Parties & definitions

These Terms are between you (“you,” “Client,” or “User”) and MEC Designs LLC (“MEC,” “we,” “us”), a Tennessee limited liability company serving clients from the Germantown / Memphis, Tennessee area and remotely.

“Services” means our website, content, Partner Agent chat, scheduling, consultations, research support, opportunity introductions (where offered), AI agent design/build work, and related professional services.

“Payment Provider” means third parties that process payments on our behalf, including cryptocurrency processors such as NOWPayments (FD Transfers LLC and affiliates) and any card/ACH/invoice processors we designate.

2. Eligibility

• You must be at least 18 years old and legally able to enter a binding contract.
• If you use the Services on behalf of an entity, you represent you have authority to bind that entity.
• You are responsible for compliance with laws in your jurisdiction, including those governing virtual assets, investments, and professional services.
• We may refuse service, cancel orders, or restrict access where legally required or where risk, sanctions, fraud, or policy concerns arise.

3. Services

MEC provides business and investment-related professional services that may include opportunity sourcing support, research frameworks, risk discussion, alternative investment education, capital-introduction facilitation (where applicable), and custom AI agent design/implementation for partners and clients.

Descriptions on the website (including package names and prices such as Discovery, AI Agent Design, or Build Deposit) are invitations to treat / offers subject to confirmation. A binding paid engagement for project work is formed when (a) we accept your order in writing or via confirmed payment reference, and (b) any statement of work or email scope we issue is agreed, if applicable.

We may modify website content and service packaging at any time. Material changes to an already-paid SOW require mutual written agreement (email sufficient).

4. No investment advice; qualified investors

• Any investment opportunities discussed are intended for qualified / accredited / otherwise eligible investors under applicable law, unless we expressly state otherwise in a formal offering document.
• Past performance (including “investments closed” figures) is not indicative of future results.
• You are solely responsible for independent due diligence and for consulting your own advisors before investing or transacting.
• MEC does not custody client investment funds on this website checkout flow; consultation and project fees are fees for services, not capital contributions to investment vehicles unless a separate written subscription agreement says otherwise.

5. Partner Agent & AI features

• The Partner Agent may use artificial intelligence and human follow-up. Responses can be incomplete or incorrect; verify critical facts before relying on them.
• Do not submit secrets you are not authorized to share (private keys, full card PANs, government ID images in chat unless we explicitly request a secure channel).
• Chat may create operational notifications (e.g., internal Discord/email alerts) when you book or request payment.
• We may retain chat transcripts as described in the Privacy Policy.

6. Orders, fees & packages

• Listed consultation packages (illustrative): Discovery consult, AI Agent Design session, and Build Deposit — amounts shown on site or quoted in chat/email control at the time of purchase.
• Fees are generally quoted in USD. If you pay in cryptocurrency, the Payment Provider converts or prices the invoice per its rate-lock and fee rules at checkout.
• You authorize us and our Payment Providers to process the payment method you select.
• You are responsible for any network fees, gas, Payment Provider fees, FX conversion, and taxes applicable to you. MEC prices are exclusive of taxes unless stated; we may collect tax where required.
• A payment reference (e.g., MEC-PAY-…) is for reconciliation and does not itself expand scope beyond the purchased package or agreed SOW.

7. Cryptocurrency payments (NOWPayments)

When you elect to pay with crypto:

• Checkout may be facilitated by NOWPayments (FD Transfers LLC) or a successor provider we designate. Their terms and privacy policy govern the payment rail itself.
• You must send the exact asset on the exact network to the deposit address shown for that invoice, within any time/rate window stated at checkout.
• Sending unsupported tokens, wrong networks, or incorrect amounts may result in delay, additional fees, or loss. Recovery, if possible, is handled under the Payment Provider’s rules and is not guaranteed by MEC.
• Payment is typically considered received when the Payment Provider confirms the required network confirmations / status to us.
• Blockchain transactions are generally irreversible. MEC cannot reverse an on-chain transfer once broadcast.
• You represent that you are the lawful owner of the paying wallet/funds and that the payment is not derived from unlawful activity.
• We and/or the Payment Provider may require identity verification (KYC/AML) before accepting, releasing, or refunding value, and may freeze or reject transactions suspected of fraud or sanctions exposure.
• NOWPayments documentation for merchants and users (as updated by them) includes obligations around accurate refund requests, prohibited jurisdictions, and customer data — you agree not to use payment flows to circumvent those rules.

Third-party policies (external): NOWPayments Terms · NOWPayments Privacy.

8. Refunds & cancellations

• Consultation fees (time-boxed strategy/discovery/design sessions): generally non-refundable once the session is scheduled or delivered, except where required by law or where MEC cancels and cannot reschedule.
• Build deposits: applied to agreed project work. Unused deposit amounts may be refundable only if work has not started and we agree in writing; after kickoff, deposits are earned against time/scope as described in the SOW.
• Crypto refunds: if a refund is approved by MEC, it will be executed through the Payment Provider’s refund tools/process where available, often only to the original paying address or another address they approve. Refunds may incur network and processor fees and may differ in fiat value due to asset volatility. MEC is not responsible for value changes between payment and refund.
• Chargebacks or payment disputes initiated in bad faith may result in suspension of Services and recovery of fees, costs, and collection expenses.
• To request a refund review, email matt@catescapital.com with your payment reference within 14 days of payment (earlier if the issue is a failed/duplicate crypto send).

9. Your responsibilities

• Provide accurate contact and billing information.
• Ensure you have rights to any materials, brands, or data you give us for projects.
• Use deliverables in compliance with law and third-party terms (model providers, app stores, etc.).
• Maintain your own backups of critical business data.
• For investments: perform your own diligence; we do not guarantee outcomes.
• Comply with export, sanctions, and anti-money-laundering laws applicable to you.

10. Intellectual property

• Site content, branding, and pre-existing MEC materials remain MEC property.
• Upon full payment, you receive a license or ownership in project deliverables as stated in the applicable SOW. Unless otherwise agreed in writing: (a) you own final custom code/content created uniquely for you and paid in full; (b) MEC retains tools, frameworks, prompts, libraries, and know-how that are generic or pre-existing; (c) MEC may use anonymized learnings to improve services.
• You may not scrape the site, copy proprietary frameworks for resale, or reverse engineer the Partner Agent except as allowed by law.

11. Confidentiality

Non-public business information exchanged for a project will be handled with reasonable care and used only to perform the engagement, except information that is public, independently developed, or required to be disclosed by law. Mutual NDA terms in a signed SOW control if stricter.

12. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” MEC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT UNINTERRUPTED OR ERROR-FREE OPERATION, THAT AI OUTPUT IS ACCURATE, OR THAT ANY INVESTMENT OR BUSINESS OUTCOME WILL BE ACHIEVED.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MEC AND ITS MEMBERS, OFFICERS, CONTRACTORS, AND SUPPLIERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, EVEN IF ADVISED OF THE POSSIBILITY.

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO MEC FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM IN THE THREE (3) MONTHS BEFORE THE EVENT, OR (B) ONE HUNDRED U.S. DOLLARS (US $100).

Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted.

We are not liable for Payment Provider outages, blockchain failures, wallet user error, third-party AI model failures, or force-majeure events.

14. Indemnification

You will defend and indemnify MEC and its personnel against claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising from: (a) your misuse of the Services; (b) your content or instructions; (c) your violation of law or these Terms; (d) disputes with your own customers or counterparties; or (e) payment activity you initiate that violates Payment Provider rules or AML/sanctions law.

15. Prohibited uses

• Unlawful, fraudulent, or deceptive activity
• Infringement of IP or privacy rights
• Malware, scraping at scale, or interfering with site security
• Sanctions evasion, money laundering, or payments from prohibited jurisdictions as defined by us or our Payment Providers
• Using the Services to offer regulated financial services without required licenses
• Abusive, harassing, or spam conduct toward our team or systems

16. Third-party services

The Services may link to or integrate third parties (Cloudflare, AI model APIs, Discord, calendaring, NOWPayments, etc.). Their terms control their services. MEC is not responsible for third-party content, availability, or security beyond our reasonable vendor care.

17. Governing law & disputes

These Terms are governed by the laws of the State of Tennessee, excluding conflict-of-law rules. Except where prohibited, exclusive venue for disputes is state or federal courts located in Shelby County, Tennessee, and you consent to personal jurisdiction there.

Before filing a claim, you agree to try to resolve the dispute informally by emailing us and allowing 30 days to respond. Nothing prevents either party from seeking injunctive relief for IP or misuse of the Services.

18. Miscellaneous

• Entire agreement: These Terms + Privacy Policy + any signed SOW/order form are the entire agreement for the Services they cover.
• Severability: If a provision is unenforceable, the remainder stays in effect.
• No waiver: Failure to enforce a provision is not a waiver.
• Assignment: You may not assign without our consent; we may assign to an affiliate or successor.
• Updates: We may update these Terms by posting a new version with a new “Last updated” date. Continued use after changes (other than for already-paid fixed SOWs) constitutes acceptance where permitted by law.
• Relationship: Independent contractors; no partnership, joint venture, or employment created by website use alone.

19. Contact

MEC Designs LLC
Germantown / Memphis, Tennessee, USA
Email: matt@catescapital.com
Legal pages: Privacy · Disclosures