The agreement between you and EchoFrame. Plain English, like everything else we do.
Last updated: June 2026
These Terms of Service ("Terms") are a binding agreement between you ("you," "your," or "Client") and EchoFrame LLC, a Georgia limited liability company with its principal place of business in Columbus, Georgia ("EchoFrame," "we," "us," or "our"). They govern your use of our website and our services, including the Monthly Clarity Report, the Business Review, the Competitor Report, and any other product we provide (together, the "Services").
How you accept these Terms. You accept these Terms and our Privacy Policy by taking an affirmative action that shows your agreement — for example, by checking the box that references these Terms when you request a free sample, by checking the acceptance box at checkout when you purchase or subscribe, or by clicking a button labeled to indicate acceptance. If you do not agree, do not request a sample, purchase, subscribe, or otherwise use the Services. If you are accepting on behalf of a business, you represent that you are authorized to bind that business, and "you" includes that business.
We keep a record of your acceptance (including the date and the version of these Terms you agreed to). The version that applied when you accepted governs your purchase, except as described in Section 13 (Changes).
EchoFrame provides business intelligence and informational analysis to help you understand your own numbers and operations. We translate the financial information you give us into plain-English benchmarks, observations, and operational suggestions.
Any figures, benchmarks, projections, or recommendations in a report are estimates and general information based on the data you provide and on third-party benchmark sources. You are solely responsible for the business and financial decisions you make. Before acting on anything in a report, you should consult a qualified CPA, attorney, tax professional, or financial adviser as appropriate to your situation.
References on our website to "CFO-grade analysis," consultants, or similar phrases describe our style and rigor — they are not a claim that EchoFrame or any individual is acting as your CFO, accountant, or licensed adviser.
You are responsible for:
Some Services are sold as recurring subscriptions and others as one-time purchases. Prices are shown on our website at the time of purchase. Payments are processed by Stripe; by purchasing, you also agree to Stripe's terms.
Automatic renewal — please read. If you buy a subscription (for example, the Monthly Clarity Report at $150 per month), you authorize EchoFrame to charge your payment method on a recurring basis — monthly, in advance — until you cancel. Your subscription renews automatically each billing period at the then-current price, and your payment method will be charged automatically, with no further action by you, until you cancel. Before you subscribe we clearly disclose the price, the billing frequency, the automatic-renewal nature of the plan, and how to cancel, and you affirmatively consent to those terms at checkout.
Cancel any time, easily. You may cancel at any time as described in Section 6, including through self-service (no need to call or wait). Cancellation is effective at the end of the current paid period.
Price changes. If we change the recurring price, we will notify you by email at least fourteen (14) days before the new price takes effect. The new price applies only to billing periods after that notice, and you may cancel before it takes effect. If you do not cancel, the new price applies to your next renewal.
The free sample is always free. The sample report we prepare before you subscribe carries no payment, no card on file, and no obligation. You will never be charged for it.
The first-report guarantee. This is the guarantee stated on our website: if your first paid report does not identify at least one actionable item tied to a real dollar amount, you do not pay for that first report. To claim it, email us at the address below within thirty (30) days of receiving that report; we will not charge you, or will refund that one charge in full. We do not require you to justify the request — your good-faith claim that the report fell short is enough.
The guarantee applies once, to your first paid report. It does not, by itself, cancel an ongoing subscription; to stop future renewals, cancel as described in Section 6.
How to cancel. You can cancel a subscription at any time, by any of these methods, whichever is easiest for you:
We will confirm your cancellation by email. We will never require you to call, sit through a retention offer, or take any step harder than the step you took to subscribe.
When cancellation takes effect. Cancellation stops future renewals. It takes effect at the end of the current paid billing period — you keep access through the period you have already paid for, and you will not be charged again after that.
Refunds. Except for the first-report guarantee in Section 5, subscription fees and one-time fees are non-refundable once the corresponding report has been delivered, and we do not provide prorated refunds for partial billing periods. If you cancel before a report for the new period has been delivered, you will not be charged for that period. If you believe you were charged in error or were billed after cancelling, contact us and we will refund any incorrect charge. Nothing in this section limits any refund right you have under applicable consumer-protection law.
Our collection and use of your information is described in our Privacy Policy, which is part of these Terms. As explained there, we use a small set of trusted service providers — including Anthropic (AI processing), Stripe (payments), Resend (email), and Formspree (forms) — to operate the Services. By using the Services you consent to that processing.
You own the underlying business data you send us. We own the EchoFrame name, logo, website, software, templates, and report formats. When we deliver a report to you, we grant you a non-exclusive license to use it for your own internal business purposes. Please don't resell, republish, or redistribute our reports or templates as your own product without our written permission.
The Services and all reports are provided "as is" and "as available," without warranties of any kind, whether express or implied. To the fullest extent permitted by law, EchoFrame disclaims all implied warranties, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that any report is error-free, that benchmarks are exact, or that acting on a report will produce any particular financial result.
To the fullest extent permitted by law, EchoFrame and its owners, members, and personnel will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost profits, lost revenue, lost savings, or business interruption, arising out of or relating to the Services or any report, even if we have been advised of the possibility of such damages.
In all cases, EchoFrame's total cumulative liability arising out of or relating to the Services or these Terms will not exceed the greater of (a) the total fees you actually paid to EchoFrame in the twelve (12) months immediately before the event giving rise to the claim, or (b) one hundred U.S. dollars ($100).
The limitations in this section do not apply to, and do not cap, liability arising from EchoFrame's gross negligence, willful misconduct, or fraud, from EchoFrame's breach of its data-security and confidentiality obligations in the Privacy Policy, or from any other liability that cannot be limited or excluded under applicable law.
Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you. Nothing in these Terms limits liability that cannot be limited by law.
You agree to indemnify and hold harmless EchoFrame and its owners, members, and personnel from any third-party claim, and from the resulting losses and reasonable costs (including reasonable attorneys' fees), to the extent the claim arises out of (a) the data you provide to us, including any confidential or third-party information in it, (b) decisions or actions you take based on a report, (c) your violation of these Terms, or (d) your violation of applicable law or the rights of a third party.
This obligation does not apply to, and you are not responsible for, any claim to the extent it arises from EchoFrame's own negligence, gross negligence, willful misconduct, or breach of these Terms. This section applies only to claims brought by third parties; it does not require you to pay EchoFrame's costs in a dispute between you and EchoFrame.
Step 1 — talk to us first. Let's try to solve any problem informally. Email us a short description of the dispute and give us 30 days to make it right before starting a formal proceeding. This step applies equally to both of us.
Step 2 — binding individual arbitration. If we can't resolve it, you and EchoFrame agree that any dispute arising out of or relating to the Services or these Terms will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect. The arbitration will take place in Columbus, Georgia, or — at your election — by telephone, video, or document-only hearing, or in the county where you live or do business. The Federal Arbitration Act governs this section. Payment of AAA filing, administrative, and arbitrator fees is governed by the AAA Consumer Arbitration Rules, which limit what a consumer pays; EchoFrame will pay any fees those rules require it to bear.
Class-action waiver. You and EchoFrame agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any class, collective, consolidated, or representative action. The arbitrator may not consolidate more than one person's claims. If this class-action waiver is found unenforceable as to a particular claim, that claim — and only that claim — will proceed in court, and the rest of this section still applies.
Who decides what. The arbitrator decides all issues, except that a court (not the arbitrator) decides any dispute about the scope or enforceability of the class-action waiver in the paragraph above.
Your right to opt out. You may opt out of this arbitration agreement (Step 2 and the class-action waiver) by emailing jacob.starling@echoframe.net with the subject line "Arbitration Opt-Out," your name, and the email on your account, within 30 days after you first accept these Terms. Opting out will not affect any other part of these Terms or your use of the Services.
This section is mutual and applies equally to both you and EchoFrame. It does not prevent either party from bringing a qualifying claim in small-claims court, or from seeking injunctive relief in court to protect intellectual property or confidential information. If any part of this section (other than the class-action waiver, addressed above) is found unenforceable, the rest stays in effect.
Governing law. These Terms are governed by the laws of the State of Georgia, without regard to its conflict-of-laws rules.
Changes. We may update these Terms from time to time. When we do, we will change the "Last updated" date above. For minor or non-material changes, posting the updated Terms is sufficient. For material changes — and for any change to the arbitration agreement, class-action waiver, or limitation of liability — we will give active subscribers at least fourteen (14) days' advance notice by email before the change takes effect. If you do not agree to a material change, you may reject it by cancelling before it takes effect, and the prior version will govern until your current paid period ends. For changes to the arbitration agreement, you may instead notify us in writing within 30 days that you reject the change, in which case the prior arbitration terms continue to apply. Your continued use of the Services after a change takes effect means you accept the updated Terms.
Entire agreement & severability. These Terms and the Privacy Policy are the entire agreement between you and EchoFrame regarding the Services. If any provision is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver of it.