2924 CAL. CIV. CODE § 2924 · FORECLOSURE INTELLIGENCE Back to 2924
TERMS & CONDITIONS

Terms and Conditions

Effective Date: May 29, 2026

Welcome to 2924 (the "Site"). These Terms and Conditions (these "Terms") constitute a legally binding agreement between you ("you" or "User") and Balance Origins, LLC, a limited liability company organized under the laws of Delaware ("Company," "we," "us," or "our"), governing your access to and use of the Site, including any content, functionality, products, and services offered on or through the2924.com.

Please read these Terms carefully before using the Site. By accessing or using the Site or clicking "I Agree" or a similar button, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Site.

Article 1 Definitions

Article 2 Acceptance and Modifications

Acceptance of Terms. By accessing or using the Site, you represent and warrant that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations. Your continued use of the Site constitutes ongoing acceptance of these Terms, as modified from time to time.

Modifications to Terms. We reserve the right, in our sole discretion, to modify, amend, or update these Terms at any time. We will provide notice of material changes by posting the revised Terms on the Site with a new "Effective Date" or by sending notice to the email address associated with your Account (if applicable). Your continued use of the Site following the posting of revised Terms constitutes your acceptance of such changes. If you do not agree to the modified Terms, you must discontinue use of the Site immediately.

Modifications to Site and Services. We reserve the right to modify, suspend, or discontinue the Site or any Services, in whole or in part, at any time and without prior notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Site or Services.

Article 3 Eligibility

Age and Capacity. You must be at least 18 years of age to use the Site. By using the Site, you represent and warrant that you meet the age requirement and have the legal capacity to enter into these Terms. If you are using the Site on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

Prohibited Users. You may not use the Site if you have been previously banned or suspended from the Site or if you are located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, or if you are listed on any U.S. Government list of prohibited or restricted parties.

Article 4 Acceptable Use and Prohibited Conduct

License to Use Site. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Site for your personal or internal business use.

Prohibited Uses. You agree not to use the Site for any unlawful purpose or in any way that violates these Terms. Prohibited uses include, but are not limited to:

Article 5 Purchases, Payment, and Subscriptions

Product and Service Descriptions. We attempt to describe products and Services offered on the Site as accurately as possible. However, we do not warrant that product descriptions, pricing, or other Content on the Site is accurate, complete, reliable, current, or error-free. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time without prior notice.

Pricing and Payment. All prices are stated in U.S. dollars unless otherwise indicated and are subject to change without notice. You agree to pay all fees and charges associated with your purchase at the prices in effect when such charges are incurred. Payment must be made by an accepted payment method. You represent and warrant that you have the legal right to use any payment method provided.

Taxes. You are responsible for all applicable federal, state, local, and international taxes, duties, and fees (including sales, use, and value-added taxes) associated with your purchase, except for taxes based on our net income.

Order Acceptance. We reserve the right to refuse or cancel any order for any reason, including product or Service availability, errors in pricing or product information, suspected fraud, or violation of these Terms. If your order is cancelled after your payment method has been charged, we will issue a refund.

Subscriptions and Automatic Renewals.

Refund Policy. All sales are final and non-refundable, except where a refund is required by applicable law. Refunds, if any, will be issued to the original payment method within fourteen (14) business days.

Article 6 Intellectual Property Rights

Ownership of Site Content. The Site and all Content, features, and functionality (including but not limited to text, graphics, logos, icons, images, audio clips, video clips, data compilations, software, and the design, selection, and arrangement thereof) are owned by Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other Intellectual Property Rights laws.

Limited License. These Terms grant you a limited license to access and use the Site and Content solely for your personal or internal business use. You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any Content without our prior written consent, except as follows:

Trademarks. 2924, the 2924 wordmark, and all related names, logos, product and service names, designs, and slogans are trademarks of Company or its affiliates or licensors. You may not use such marks without our prior written permission. All other names, logos, product and service names, designs, and slogans on the Site are the trademarks of their respective owners.

Reservation of Rights. All rights not expressly granted to you in these Terms are reserved by Company and its licensors.

Article 7 Reserved

This Article is intentionally reserved.

Article 8 Digital Millennium Copyright Act (DMCA)

DMCA Compliance. We respect the Intellectual Property Rights of others and expect users of the Site to do the same. In accordance with the Digital Millennium Copyright Act of 1998 (17 U.S.C. § 512) (the "DMCA"), we will respond to notices of alleged copyright infringement that comply with the DMCA and other applicable laws.

Notice of Infringement. If you believe that your copyrighted work has been copied in a way that constitutes copyright infringement and is accessible on the Site, please notify our designated DMCA agent in writing with the following information:

DMCA Designated Agent. Notices of claimed infringement should be sent to:

DMCA Agent
Balance Origins, LLC
PO Box 17064
Beverly Hills, CA 90209
Email: hello@the2924.com

Counter-Notice. If you believe that material was removed or access to it was disabled by mistake or misidentification, you may file a counter-notice with our DMCA agent containing the information required by the DMCA (17 U.S.C. § 512(g)(3)).

Repeat Infringers. We reserve the right to terminate the access of users who are repeat infringers.

Article 9 Third-Party Links and Content

Third-Party Links. The Site may contain links to third-party websites, applications, or services that are not owned or controlled by Company. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such third-party content, goods, or services available on or through any such websites or services.

No Endorsement. The inclusion of any link does not imply endorsement by Company of the linked website or service. You access third-party websites and services at your own risk and subject to their terms and conditions and privacy policies.

Article 10 Disclaimers of Warranties

AS-IS Basis. THE SITE AND ALL CONTENT, SERVICES, AND PRODUCTS AVAILABLE ON OR THROUGH THE SITE ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

Disclaimer of Warranties. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. COMPANY DOES NOT WARRANT THAT:

No Professional Advice. THE SITE AND CONTENT ARE FOR INFORMATIONAL PURPOSES ONLY AND DO NOT CONSTITUTE PROFESSIONAL ADVICE (INCLUDING LEGAL, FINANCIAL, MEDICAL, OR OTHER PROFESSIONAL ADVICE). YOU SHOULD CONSULT WITH APPROPRIATE PROFESSIONALS BEFORE TAKING ANY ACTION BASED ON INFORMATION ON THE SITE.

California Consumers. CALIFORNIA CIVIL CODE SECTION 1542 PROVIDES: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY." YOU HEREBY WAIVE ANY RIGHTS YOU MAY HAVE UNDER CALIFORNIA CIVIL CODE SECTION 1542, AS WELL AS UNDER ANY OTHER STATUTES OR COMMON LAW PRINCIPLES OF SIMILAR EFFECT.

Article 11 Limitation of Liability

Exclusion of Damages. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL COMPANY, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SITE OR SERVICES, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Cap on Liability. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, COMPANY'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SITE OR SERVICES SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU HAVE PAID TO COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) ONE HUNDRED DOLLARS ($100).

Basis of the Bargain. THE LIMITATIONS SET FORTH IN THIS ARTICLE 11 REFLECT THE ALLOCATION OF RISK BETWEEN THE PARTIES AND ARE A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND COMPANY. THE SITE AND SERVICES WOULD NOT BE PROVIDED WITHOUT SUCH LIMITATIONS.

Exceptions. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH JURISDICTIONS, COMPANY'S LIABILITY WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

Article 12 Indemnification

You agree to indemnify, defend, and hold harmless Balance Origins, LLC, its affiliates, subsidiaries, officers, directors, employees, agents, licensors, service providers, and contractors (collectively, the "Indemnified Parties") from and against any and all claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys' fees), and judgments arising out of or relating to:

  1. Your access to or use of the Website;
  2. Your violation of these Terms or any applicable law or regulation;
  3. Your violation of any third-party right, including without limitation any intellectual property right, publicity right, confidentiality right, property right, or privacy right;
  4. Any dispute or issue between you and any third party; or
  5. Your breach of any representation or warranty contained in these Terms.

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses. You agree not to settle any such claim without our prior written consent. This indemnification obligation will survive the termination or expiration of these Terms and your use of the Website.

Article 13 Termination and Suspension

13.1 Termination by You

You may terminate your account and cease using the Website at any time by contacting us at hello@the2924.com. If you have a paid subscription, termination of your account does not entitle you to a refund, and your subscription will continue until the end of the then-current billing period unless you cancel in accordance with Article 5.

13.2 Termination or Suspension by Us

We reserve the right, in our sole discretion, to suspend or terminate your access to the Website and your account, with or without notice, for any reason or no reason, including without limitation if:

  1. You breach or violate any provision of these Terms;
  2. We are required to do so by law or legal process;
  3. Your use of the Website creates risk of harm or liability to us, other users, or third parties;
  4. We cease offering the Website or any portion thereof;
  5. Your account has been inactive for an extended period; or
  6. We determine, in our sole discretion, that your continued access poses a security or reputational risk.

13.3 Effect of Termination

Upon termination or suspension of your account or access:

  1. Your right to use the Website will immediately cease;
  2. We may delete your account and any information associated with your account, and we will have no obligation to retain, provide access to, or return any such information;
  3. All provisions of these Terms that by their nature should survive termination will survive, including without limitation ownership provisions, warranty disclaimers, indemnification obligations, limitations of liability, dispute resolution provisions, and this Section 13.3; and
  4. You will remain liable for all obligations incurred prior to termination, including any outstanding fees or charges.

Termination of your access to the Website does not relieve you of any obligations to pay any outstanding fees or charges owed to us.

Article 14 Dispute Resolution and Arbitration

14.1 Governing Law

These Terms and any dispute arising out of or relating to these Terms or the Website will be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded.

14.2 Arbitration Agreement

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

(a) Agreement to Arbitrate. You and Balance Origins, LLC agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Website, or your use of the Website (collectively, "Disputes") will be settled by binding arbitration, except that either party may bring a claim in small claims court if the claim qualifies. You and we agree that arbitration will be conducted on an individual basis and not as a class, consolidated, or representative action.

(b) Arbitration Procedures. The arbitration will be administered by the American Arbitration Association (AAA) in accordance with its applicable rules and procedures then in effect. The arbitration will be conducted in Los Angeles, California, or at another mutually agreed location, or by telephone or video conference if both parties agree. The arbitrator's award will be binding and may be entered as a judgment in any court of competent jurisdiction.

(c) Costs and Fees. Each party will bear its own costs and attorneys' fees unless the arbitrator awards fees to the prevailing party as permitted by applicable law.

(d) Class Action Waiver. YOU AND BALANCE ORIGINS, LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. Unless both you and we agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a class, consolidated, or representative proceeding.

(e) Opt-Out Right. You may opt out of this arbitration agreement by sending written notice to Balance Origins, LLC at PO Box 17064, Beverly Hills, CA 90209 within thirty (30) days of first accepting these Terms. Your notice must include your name, address, email address, and a clear statement that you wish to opt out of this arbitration agreement. If you opt out, all other terms of these Terms will continue to apply, but neither you nor we will be required to arbitrate Disputes.

(f) Exceptions. Notwithstanding the foregoing, either party may bring a claim in court for injunctive or other equitable relief to protect intellectual property rights or confidential information.

(g) Severability. If any portion of this arbitration agreement is found to be invalid or unenforceable, the remaining portions will remain in full force and effect, except that if the class action waiver is found invalid or unenforceable, the entire arbitration agreement (but not the remainder of these Terms) will be null and void.

Note for California Consumers: California law may provide you with certain rights and remedies, including the right to seek relief in court. This arbitration provision may limit those rights. You may wish to consult with an attorney regarding your rights before agreeing to these Terms.

14.3 Jurisdiction and Venue

For any claim or proceeding that is not subject to arbitration, including small claims actions, claims for injunctive or equitable relief, claims brought after a valid opt-out under Section 14.2(e), or any matter in which the arbitration agreement is held unenforceable, you agree that such action will be brought exclusively in the state or federal courts located in Los Angeles County, California, and you irrevocably consent to the personal jurisdiction and venue of such courts. You waive any objection to the jurisdiction or venue of such courts on the grounds of inconvenient forum or otherwise.

14.4 Limitation on Time to File Claims

To the extent permitted by law, any claim or cause of action arising out of or relating to the Website or these Terms must be filed within one (1) year after the claim or cause of action arose, or such claim or cause of action will be forever barred, regardless of any statute or law to the contrary.

14.5 Waiver of Jury Trial

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND BALANCE ORIGINS, LLC WAIVE ANY RIGHT TO A JURY TRIAL IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE WEBSITE.

Article 15 International Users

The Website is controlled and operated from the United States. We make no representation that the Website or any content, materials, features, or services available through the Website are appropriate or available for use in other locations. Access to the Website from territories where its contents or use is illegal or restricted is prohibited.

If you access the Website from outside the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. You agree that you will not use or export any content, materials, or services from the Website in violation of U.S. export laws and regulations or the laws of the jurisdiction in which you are located.

By using the Website, you represent and warrant that:

  1. You are not located in a country that is subject to a U.S. government embargo or that has been designated by the U.S. government as a "terrorist supporting" country;
  2. You are not listed on any U.S. government list of prohibited or restricted parties; and
  3. You will comply with all applicable local, state, national, and international laws and regulations in connection with your use of the Website.

Article 16 Privacy and Data Protection

16.1 Privacy Policy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference and is available at the2924.com/privacy. The Privacy Policy describes how we collect, use, store, share, and protect your personal information. By using the Website, you acknowledge that you have read and understood our Privacy Policy and consent to the collection, use, and disclosure of your information as described therein.

16.2 Cookie Policy

We use cookies and similar tracking technologies on the Website. Our use of cookies and your rights regarding cookies are described in our Privacy Policy.

California law requires us to provide you with certain information about how we collect, use, and share your personal information and to provide you with the right to opt out of the sale or sharing of your personal information. We do not sell or share your personal information. For more information, please see our Privacy Policy.

If you are located in the European Union, the United Kingdom, or the European Economic Area, additional privacy rights and protections may apply to you under the General Data Protection Regulation (GDPR) and related laws. Please see our Privacy Policy for more information.

16.3 Your Responsibilities

You are responsible for maintaining the confidentiality of any login credentials, account information, or personal information associated with your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

Article 17 Changes to These Terms

We reserve the right, in our sole discretion, to modify, update, or replace these Terms at any time. If we make material changes to these Terms, we will notify you by:

  1. Posting the updated Terms on the Website with a new "Effective Date" at the top of this document;
  2. Sending notice to the email address associated with your account (if applicable); and/or
  3. Displaying a prominent notice on the Website.

Material changes will take effect thirty (30) days after we post or send notice of the changes, unless otherwise required by law. Non-material changes will take effect immediately upon posting.

Your continued use of the Website after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Website and, if applicable, terminate your account in accordance with Article 13. It is your responsibility to review these Terms periodically for changes.

Article 18 General Provisions

18.1 Entire Agreement

These Terms, together with our Privacy Policy and any other policies or agreements expressly incorporated by reference, constitute the entire agreement between you and Balance Origins, LLC regarding your use of the Website and supersede all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral, regarding the subject matter hereof.

18.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions will remain in full force and effect. The invalid, illegal, or unenforceable provision will be deemed modified to the extent necessary to make it valid, legal, and enforceable while preserving its intent to the greatest extent possible. If such modification is not possible, the provision will be severed from these Terms.

18.3 Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. No waiver by us of any term or condition of these Terms will be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any waiver must be in writing and signed by an authorized representative of Balance Origins, LLC.

18.4 Assignment

You may not assign, transfer, or delegate these Terms or your rights and obligations hereunder, in whole or in part, whether voluntarily or by operation of law, without our prior written consent. Any attempted assignment, transfer, or delegation without such consent will be null and void. We may freely assign, transfer, or delegate these Terms and our rights and obligations hereunder, in whole or in part, without notice to you, including in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets. These Terms will be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.

18.5 Force Majeure

We will not be liable for any delay or failure to perform our obligations under these Terms due to causes beyond our reasonable control, including without limitation acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, epidemics, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

18.6 No Third-Party Beneficiaries

These Terms are for the sole benefit of you and Balance Origins, LLC and do not create any third-party beneficiary rights in any other person or entity, except that the Indemnified Parties described in Article 12 are intended third-party beneficiaries of the indemnification provisions.

18.7 Headings

The headings and captions used in these Terms are for convenience only and will not affect the interpretation of these Terms.

18.8 Interpretation

As used in these Terms, "including" means "including but not limited to." The words "herein," "hereof," and "hereunder" refer to these Terms as a whole and not to any particular section or provision.

18.9 Relationship of the Parties

You and Balance Origins, LLC are independent contractors. These Terms do not create any agency, partnership, joint venture, employment, or franchise relationship between you and us. You have no authority to bind us or to make any representation or commitment on our behalf.

18.10 Notice

We may provide notices to you via email to the address associated with your account, by posting notice on the Website, or by other legally permissible means. Notices will be deemed given twenty-four (24) hours after email is sent, unless we receive notice that the email address is invalid or the email was not delivered. Notices posted on the Website will be deemed given upon posting. You may provide notice to us at the contact information set forth in Article 19 below. Notices to us will be deemed given when actually received by us.

18.11 Language

These Terms are prepared and executed in the English language. If these Terms are translated into any other language, the English language version will control and prevail in the event of any conflict or inconsistency.

Article 19 Contact Information

If you have any questions, comments, or concerns about these Terms or the Website, or if you need to provide notice to us under these Terms, please contact us at:

Balance Origins, LLC
PO Box 17064
Beverly Hills, CA 90209
Email: hello@the2924.com

For copyright infringement claims under the DMCA, please use the contact information provided in Article 8.

Acknowledgment

BY CLICKING "I ACCEPT," "I AGREE," OR A SIMILAR BUTTON, BY CHECKING A BOX INDICATING YOUR ACCEPTANCE, OR BY ACCESSING OR USING THE WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF USE. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT ACCESS OR USE THE WEBSITE.

← Back to 2924