Terms of Service

# MarginWorks Terms of Service **Last updated: August 24, 2026** These Terms of Service ("Terms") govern your use of MarginWorks, a community platform operated by Wilk Industries LLC ("MarginWorks," "we," "us," or "our"). By accessing or using our services, you agree to these Terms. If you don't agree, don't use MarginWorks. **AI-Generated Disclaimer:** Portions of this document were drafted with the assistance of artificial intelligence tools. While we have reviewed this content for accuracy and completeness, it is not a substitute for legal advice. We recommend consulting a qualified attorney regarding your specific circumstances. --- ## 1. Acceptance of Terms By creating an account, joining our community, purchasing a subscription, or using any MarginWorks service, you confirm that you have read, understood, and agreed to be bound by these Terms and our Privacy Policy and Community Guidelines, which are incorporated herein by reference. If you are using MarginWorks on behalf of a business, you represent that you have authority to bind that entity to these Terms. ## 2. Eligibility You must be at least 18 years old and legally able to enter into contracts to use MarginWorks. By using our services, you represent and warrant that you meet these requirements. MarginWorks is intended for solopreneurs, freelancers, and small and medium business owners, but is open to anyone who follows our rules. ## 3. Description of Services MarginWorks is a community-first platform built around two simple rules: **be nice, and help others**. Our services include: - **Community access** — currently hosted in a Telegram group, with plans to migrate to a Skool community once we exceed 50 members. - **Member subscription ($29/month)** — includes full community access, member-only resources, and participation in discussions. - **Pro subscription ($99/month)** — includes everything in Member, plus advanced features, priority support, and enhanced access to tools and resources. - **AI Audit ($29, one-time)** — a one-time AI-powered audit of your business or profile, delivered as a written report. We may add, modify, or discontinue features at any time. We will provide reasonable notice before making material changes to paid services. ## 4. Accounts and Registration You must provide accurate and complete information when creating an account. You are responsible for safeguarding your password and for all activity under your account. Notify us immediately at legal@marginworks.io if you suspect unauthorized access. We may suspend or terminate accounts that violate these Terms or our Community Guidelines. ## 5. Subscriptions, Billing, and Payment ### 5.1 Billing Cycle - **Member ($29/month)** and **Pro ($99/month)** subscriptions renew automatically each month until canceled. - **AI Audit ($29)** is a one-time charge, billed at the time of order. ### 5.2 Payment Processing We use third-party payment processors (such as Stripe) to handle billing. We do not store your full credit card number on our servers. ### 5.3 Price Changes We may change our pricing with at least 30 days' notice. Existing subscribers will be charged the new rate at the next renewal after the notice period. You may cancel before the new rate takes effect. ### 5.4 Taxes You are responsible for any applicable taxes on your subscription. Where required by law, we may add applicable taxes to your charge. ## 6. Acceptable Use and Community Rules By using MarginWorks, you agree to follow our Community Guidelines, which are incorporated into these Terms. The core rules are simple: **be nice, and help others.** Specifically, you agree not to: 1. Harass, bully, threaten, or intimidate any member. 2. Post content that is hateful, discriminatory, or offensive. 3. Spam, self-promote excessively, or post irrelevant commercial content. 4. Share illegal content, pirated materials, or copyrighted content without authorization. 5. Impersonate another person or entity. 6. Use MarginWorks for any unlawful purpose. 7. Attempt to disrupt, hack, or compromise our systems or other users' accounts. 8. Scrape, download, or redistribute community content without permission. ## 7. User-Generated Content ### 7.1 Content Ownership You retain ownership of any content you post in the MarginWorks community (posts, messages, comments, resources, AI audit inputs, etc.). By posting, you grant MarginWorks a worldwide, non-exclusive, royalty-free, transferable license to host, display, reproduce, and distribute your content within our platform for the purpose of operating the community. ### 7.2 Content Responsibility You are solely responsible for the content you post. You represent and warrant that your content does not violate any law or infringe any third party's rights. MarginWorks is not liable for user-generated content. ### 7.3 Content Removal We reserve the right to remove any content that violates these Terms or our Community Guidelines, without notice. We may also remove content for any other reason at our discretion. ## 8. Content Moderation ### 8.1 Moderation Authority MarginWorks moderates community content to maintain a healthy, helpful environment. Moderation may be performed by Wilk Industries LLC staff, designated community moderators, or automated systems. ### 8.2 Moderation Actions We may take actions including but not limited to: warning users, removing content, muting or temporarily restricting access, or permanently banning users. Our decisions are at our discretion and are not subject to negotiation. ### 8.3 Reporting You can report violations by contacting us at legal@marginworks.io or by using the reporting tools available in our community platform. ## 9. Ban and Suspension Appeals ### 9.1 Appeals Process If your account is suspended or banned, you may appeal by emailing legal@marginworks.io with the subject line "Appeal" within 14 days of the action. Please include your username and a brief explanation. ### 9.2 Review Timeline We will review appeals within 7 business days. Our decision on appeal is final. Repeated appeals of the same decision may be disregarded. ### 9.3 No Refund on Ban If you are banned for a violation of these Terms or Community Guidelines, you are not entitled to a refund of any fees paid, as set out in our Refund Policy. ## 10. Intellectual Property ### 10.1 MarginWorks Materials All MarginWorks-branded content, templates, tools, guides, and platform features are the property of Wilk Industries LLC and are protected by intellectual property laws. You may not copy, redistribute, or create derivative works from our materials without our written permission. ### 10.2 Trademarks "MarginWorks," the MarginWorks logo, and related marks are trademarks of Wilk Industries LLC. You may not use our marks without our prior written consent. ### 10.3 License to Use We grant you a limited, non-exclusive, non-transferable license to use MarginWorks materials for your personal or business use while your subscription is active. This license terminates when your subscription ends. ## 11. DMCA / Copyright Infringement ### 11.1 DMCA Contact If you believe content on MarginWorks infringes your copyright, you may submit a Digital Millennium Copyright Act (DMCA) takedown notice to our designated copyright agent: **DMCA Agent, Wilk Industries LLC** Email: legal@marginworks.io ### 11.2 Notice Requirements Your DMCA notice must include: (1) identification of the copyrighted work, (2) identification of the allegedly infringing material, (3) your contact information, (4) a statement that you have a good-faith belief the use is unauthorized, (5) a statement under penalty of perjury that you are authorized to act on behalf of the copyright owner, and (6) your physical or electronic signature. ### 11.3 Counter-Notification If your content is removed due to a DMCA notice and you believe it was removed in error, you may submit a counter-notification to legal@marginworks.io. We will forward it to the complaining party and may restore the content within 10-14 business days unless we receive notice of legal action. ## 12. Disclaimers ### 12.1 No Warranty MarginWorks is provided "as is" and "as available" without warranties of any kind, whether express or implied. We do not warrant that the service will be uninterrupted, error-free, or secure. ### 12.2 No Professional Advice Content on MarginWorks, including community posts and AI Audit reports, is for informational and educational purposes only. It is not legal, financial, tax, or professional advice. The AI Audit is generated using artificial intelligence and may contain errors or omissions. You should not rely on it as your sole source of information for business decisions. ### 12.3 AI-Generated Content The AI Audit is produced using AI tools and may reflect inaccuracies. We review reports for quality but cannot guarantee completeness or accuracy. You are responsible for verifying any information before acting on it. ## 13. Limitation of Liability To the maximum extent permitted by law, Wilk Industries LLC and its affiliates, officers, employees, and contractors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, arising from your use of MarginWorks. **Our total liability for any claim arising from these Terms or your use of MarginWorks shall not exceed the total amount you paid us in the 12 months preceding the event giving rise to the claim.** ## 14. Indemnification You agree to indemnify and hold harmless Wilk Industries LLC and its affiliates from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from: (1) your content, (2) your violation of these Terms, (3) your violation of any law or third-party rights, or (4) your use of MarginWorks. ## 15. Termination ### 15.1 Termination by You You may cancel your subscription at any time. Cancellation takes effect at the end of your current billing cycle. You will retain access until then. ### 15.2 Termination by Us We may suspend or terminate your account or these Terms at any time, with or without cause, and with or without notice. If we terminate for cause (violation of Terms or Community Guidelines), no refund will be provided. If we terminate without cause, we will provide a prorated refund of your current subscription. ### 15.3 Effect of Termination Upon termination, your right to use MarginWorks ends. Your community posts may remain on the platform unless you request removal in writing. All provisions that by their nature should survive termination (intellectual property, disclaimers, limitation of liability, indemnification) shall remain in effect. ## 16. Governing Law and Dispute Resolution ### 16.1 Governing Law These Terms are governed by the laws of the State of New York and applicable United States federal law, without regard to conflict of law principles. ### 16.2 Informal Resolution Before filing any claim, you agree to first contact us at legal@marginworks.io and attempt to resolve the dispute informally for at least 30 days. ### 16.3 Binding Arbitration Any unresolved dispute will be resolved through binding arbitration in New York, New York, under the rules of the American Arbitration Association. You and Wilk Industries LLC each waive the right to a jury trial or to participate in a class action. ### 16.4 Small Claims Court You may bring a dispute in small claims court in your jurisdiction if it qualifies, notwithstanding the arbitration clause above. ## 17. Changes to These Terms We may update these Terms at any time. We will post the updated version with a new "Last updated" date and notify active subscribers by email of material changes at least 30 days before they take effect. Continued use after changes take effect constitutes acceptance. ## 18. Privacy Your use of MarginWorks is also governed by our Privacy Policy, available at marginworks.io/privacy, which describes how we collect, use, and protect your data. ## 19. General Provisions ### 19.1 Entire Agreement These Terms, along with our Privacy Policy, Refund Policy, and Community Guidelines, constitute the entire agreement between you and Wilk Industries LLC regarding MarginWorks. ### 19.2 Severability If any provision is found unenforceable, the remaining provisions shall remain in full force. ### 19.3 Waiver Our failure to enforce any provision shall not be a waiver of our right to enforce it later. ### 19.4 Assignment You may not assign these Terms without our written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets. ### 19.5 Force Majeure We are not liable for delays or failures caused by events beyond our reasonable control. ## 20. Contact If you have questions about these Terms, contact us at: **Wilk Industries LLC** Email: legal@marginworks.io Website: marginworks.io --- *These Terms were last updated on August 24, 2026. Portions of this document were drafted with AI assistance and reviewed by Wilk Industries LLC.*