Terms of Service

1. Acceptance of these Terms

These Terms govern your use of MARGIN (the “Service”). By requesting, receiving, buying or using a change, you agree to these Terms. If you don't agree, don't use the Service.

If you act for a practice or other business, you confirm that you have authority to bind it to these Terms.

2. What the Service is

A “change” is one specific change to a practice's revenue, prices or costs, delivered in writing. Each one includes the change itself, an estimate of what it's worth, the steps to make it, and the evidence behind it. We build changes from public information (your website, your Google listing, your reviews, and nearby practices' public pages) using automated tools, including AI-assisted analysis, and a person reviews every change before it reaches you.

• First change. We may offer one change free. There's no charge and no obligation to buy anything else.
• The other changes. The remaining changes (up to four) are sold together for a single one-time price: $199, $499 or $999. The price depends on what the five are estimated to be worth to your practice in a year. You see the price before you pay.
• Delivery. We deliver paid changes by email within 24 hours of payment.
• Fewer than five. Every change must pass our quality bar. If fewer than five pass, the page you buy from says how many you are getting, and the price is reduced in proportion before you pay.
• Reports. At day 30 and day 60 after delivery we look again at public signals (your Google Maps rank, your reviews, whether Google's AI mentions your practice, and whether a change went live on your pages) and send you a report on what changed. We can't see your bookings or revenue; those results come from you if you choose to share them.

The Service doesn't include making changes for you, running your marketing, or legal, financial, accounting, tax or medical advice.

3. Estimates and your decisions

Dollar figures and counts in a change are estimates, based on the assumptions shown in it. They are not promises of results. Whether to make a change, and how, is your decision. You stay responsible for your practice's decisions, its pages, and its compliance with the rules of your profession.

Using the Service doesn't create a fiduciary, agency, partnership or employment relationship.

4. AI and third-party data

The Service uses automated systems and AI-assisted analysis, which can make errors or miss things. It relies on public and third-party sources such as search engines and business directories, which we don't control. We review changes before delivery, but we're not responsible for errors that come from those sources.

5. No warranties

To the maximum extent the law allows, the Service is provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness and availability. We don't guarantee any business outcome, including revenue, bookings, rankings, visibility, traffic or profit.

6. Limitation of liability

To the maximum extent the law allows, we aren't liable for indirect, incidental, special, consequential, exemplary or punitive damages, including lost profits, lost revenue, business interruption, lost data or harm to reputation. Our total liability for any claim is limited to the amount you paid for the changes the claim relates to. This applies whatever the legal theory, including contract, tort, negligence and strict liability.

7. Indemnification

You agree to indemnify and hold harmless Frail Blue Dot LLC and its members, managers, employees and contractors from claims, losses and expenses (including reasonable attorneys' fees) arising from:

• your use of the Service
• changes you make to your practice or its pages based on a change
• your breach of any law or regulation, including the rules of your profession
• your redistribution or publication of the changes

8. Payment and refunds

Paid changes are paid in advance, in US dollars, through Stripe. We don't see or store your full card number.

Refunds. If the changes you bought aren't worth it to you, email us within 30 days of delivery and we'll refund your payment. One refund per practice.

If a technical problem stops delivery, we'll re-deliver or refund you, your choice. Because refunds are available on request, you agree to ask us for one before starting a chargeback.

9. Your use of the changes

You may use the changes you receive, including the written wording, in your own practice: on your website, your listings and your other materials. Our methods, templates and the MARGIN brand stay the property of Frail Blue Dot LLC.

You may not resell or redistribute the changes, publish them as your own product, or use them to train AI systems.

10. Teaser pages and opting out

We may send a practice a private, unindexed page with a free change. Ask us at hello@hemingwayadvisory.com and we'll take it down and stop contacting you.

11. Governing law

These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict of law principles.

12. Binding arbitration; class action waiver

Any dispute arising from these Terms or the Service will be resolved by binding arbitration in Massachusetts under the rules of the American Arbitration Association, on an individual basis only. You waive any right to a jury trial and to take part in a class, collective or representative action. Judgment on the award may be entered in any court with jurisdiction.

13. Force majeure

We aren't liable for delay or failure caused by events beyond our reasonable control, including platform outages, API failures, internet disruptions, government action, cyberattacks or acts of God.

14. Severability, survival and entire agreement

If any part of these Terms is unenforceable, the rest stays in effect. The sections on liability, indemnification, your use of the changes, arbitration and governing law survive the end of these Terms. These Terms are the entire agreement between you and Frail Blue Dot LLC about the Service.

15. Contact

Questions about these Terms: hello@hemingwayadvisory.com or Frail Blue Dot LLC, 31 Marion St, Medford, MA 02155.