Terms of Service

These Terms of Service ("Terms") govern your access to and use of services provided by Crave Digital, Inc., a Delaware corporation, doing business as Filed Studios ("Filed Studios," "we," "us," or "our"). By purchasing services, booking a call, or otherwise using our website at filedstudios.com (the "Site"), you ("Client" or "you") agree to these Terms.

If you do not agree, do not purchase services or use the Site.

1. Services

Filed Studios provides business formation and compliance services to self-employed individuals and small business operators, including:

• Limited Liability Company (LLC) formation and state filing
• Federal Employer Identification Number (EIN) registration
• Operating agreement drafting
• Registered agent service (first year included via licensed third-party provider)
• Federal and state ownership-disclosure filings, where currently required by applicable law
• Banking-ready documentation package
• Strategy and onboarding calls
• Referrals to independent third-party providers (CPAs, financial planners, banks, mortgage lenders) as appropriate

The specific scope of services delivered is described on the Site at the time of purchase and confirmed in writing in your intake confirmation.

2. Eligibility

To purchase services, you must be:

• At least 18 years of age
• A resident of the United States with the legal capacity to form a business entity
• Providing accurate, current, and complete information during intake

We reserve the right to refuse service, in our sole discretion, for any lawful reason.

3. Fees and Payment

The setup fee for our flagship service is $1,497 USD, charged one time at the point of purchase via Stripe. Payment is processed by Stripe and is subject to Stripe's terms. Your card statement will read "CRAVE DIGITAL* FILEDSTU" — Crave Digital, Inc. is the parent operating entity.

State filing fees, federal fees, and any third-party charges (e.g., expedited filing, additional state registrations) are not included unless explicitly stated and are passed through at cost or as separately invoiced.

4. Refund Policy

Our refund policy is as follows:

• Before state filing has been initiated: Full refund of the service fee on request.
• After state filing has been initiated: State and government filing fees are non-refundable. The remaining service fee may be refunded, in whole or in part, at our reasonable discretion based on the work already performed.
• After delivery of documents: No refund. The service has been rendered.

Refund requests should be sent to hello@filedstudios.com. We respond within 5 business days.

5. Client Responsibilities

You agree to:

• Provide accurate, complete, and lawful information during intake
• Respond to our reasonable requests for information in a timely manner (delays may extend filing timelines)
• Comply with all applicable federal, state, and local laws in operating the entity we form for you
• File required ongoing reports (annual reports, state compliance filings, ownership-disclosure updates where required, tax returns) yourself or via your own service providers after the formation services are delivered, unless you have separately engaged us for ongoing compliance

6. Third-Party Services

Filed Studios uses and refers Clients to independent third-party providers, including but not limited to: Northwest Registered Agent (state filings and registered agent), Stripe (payment processing), Google (calendar booking and email), and various banks, CPAs, and mortgage lenders.

We are not affiliated with these providers except as commercially noted, and we are not responsible for their acts, omissions, fees, or service quality. Your relationship with each third-party provider is governed by that provider's own terms.

7. Not Legal, Tax, or Financial Advice

Filed Studios is not a law firm, accounting firm, or financial advisory firm. Our principals are not your attorneys, accountants, or fiduciary financial advisors. Nothing on the Site, in our communications, or in our service deliverables constitutes legal advice, tax advice, accounting advice, or personalized financial planning.

We provide business formation and compliance services, not advice. For legal, tax, accounting, or financial planning advice specific to your situation, consult a licensed attorney, CPA, or registered financial planner. We can refer you to such professionals at your request.

Information about mortgage lending on the Site reflects the personal professional background of our founder, Kelvin Craver (NMLS #2009272), a licensed Mortgage Loan Officer in California. It is informational only and does not constitute a loan offer, pre-approval, or solicitation. Mortgage services, when provided, are provided through a separately licensed entity under that entity's own disclosures and agreements.

8. Intellectual Property

All content on the Site — including text, graphics, logos, the "Filed Studios" name and mark, and software — is owned by or licensed to Crave Digital, Inc. and is protected by United States and international copyright, trademark, and other intellectual property laws.

You receive no license to our intellectual property by purchasing services, except a limited license to use deliverables we provide you (operating agreements, formation documents, etc.) for your own business purposes.

9. Limitation of Liability

To the maximum extent permitted by law:

• The Site and our services are provided "as is" and "as available" without warranties of any kind, express or implied.
• We are not liable for indirect, incidental, special, consequential, or punitive damages, including but not limited to lost profits, lost data, loss of goodwill, or business interruption.
• Our total aggregate liability arising out of or relating to these Terms or our services is limited to the amount you actually paid to us in the twelve (12) months preceding the claim.

Some jurisdictions do not allow the exclusion or limitation of certain damages; in such jurisdictions, our liability is limited to the greatest extent permitted by law.

10. Indemnification

You agree to defend, indemnify, and hold harmless Crave Digital, Inc., its affiliates, officers, directors, employees, and agents from any claims, damages, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from: (a) your breach of these Terms; (b) your violation of any law or third-party right; (c) the operation of any business entity we form for you; or (d) information you provided that was inaccurate, incomplete, or misleading.

11. Term and Termination

These Terms apply from the moment you purchase services or use the Site and continue until terminated. We may suspend or terminate your access to the Site or future services at any time, with or without cause, with or without notice. Sections of these Terms that by their nature should survive termination (including 7–14) survive termination.

12. Dispute Resolution; Arbitration; Class Action Waiver

12.1 Informal Resolution First

Before bringing a formal proceeding, you agree to first attempt to resolve any dispute informally by emailing hello@filedstudios.com with a written description of the dispute and your contact information. We will attempt to resolve the dispute within 60 days of receipt.

12.2 Binding Individual Arbitration

If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or our services (a "Dispute") will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will be conducted in English, in the State of Delaware, or remotely by mutual agreement.

The arbitrator's decision is final and binding. Judgment on the award may be entered in any court of competent jurisdiction.

12.3 Small Claims Carveout

Either party may bring an individual claim in small-claims court for any dispute within the jurisdiction of that court (generally, claims under $10,000), provided the claim remains individual and is not consolidated with any other party's claim.

12.4 Class Action Waiver

You and we both waive the right to bring or participate in any class action, collective action, or representative proceeding. Disputes must be brought individually. The arbitrator may not consolidate more than one person's claims or preside over any form of representative or class proceeding.

12.5 Opt-Out

You may opt out of the arbitration agreement in Section 12.2 by sending written notice to hello@filedstudios.com within 30 days of first agreeing to these Terms. The notice must include your name, address, and a clear statement that you opt out of arbitration.

13. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws provisions. Subject to Section 12, any judicial proceeding must be brought in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of those courts.

14. Changes to These Terms

We may modify these Terms at any time. Material changes will be communicated by updating the "Last updated" date above and, where appropriate, by notice to the email address you provided. Your continued use of the Site or services after changes constitutes acceptance of the modified Terms.

15. Miscellaneous

These Terms are the entire agreement between you and us regarding our services and supersede all prior agreements. If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms; we may assign them to a successor entity in connection with a merger, acquisition, or sale of assets.

16. Contact

Questions about these Terms? Email hello@filedstudios.com.

Crave Digital, Inc.
DBA Filed Studios
Delaware corporation
hello@filedstudios.com