I. "Be Inspired" Disclaimer

“Be Inspired.” is a motivational expression intended solely to encourage creativity, curiosity, and personal growth. It is not a directive to engage in any specific activity, nor is it professional, legal, financial, medical, or mental‑health advice. Results will differ for every individual, and Barters Group makes no representations, warranties, or guarantees—express or implied—regarding any outcome that may arise from acting on feelings of inspiration.

By choosing to act (or refrain from acting) after encountering this slogan, you acknowledge that:

1. Personal Responsibility: You bear full responsibility for your own decisions and actions, including compliance with all applicable laws, regulations, and ethical standards.
   
   

2. No Liability: Barters Group, its subsidiaries, officers, employees, partners, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages, losses, or injuries that may result from reliance on, or interpretation of, the phrase “Be Inspired.”
   
   

3. No Professional Relationship: Use of this slogan does not create any client, customer, fiduciary, or professional relationship with Barters Group. If you require advice or guidance for your particular situation, consult a qualified professional.
   
   

4. No Endorsement of Third‑Party Conduct: Barters Group does not endorse, control, or assume responsibility for any third‑party content, actions, or communications that reference or are motivated by the slogan.
   
   

5. Jurisdictional Variance: Some jurisdictions restrict the exclusion of certain warranties or the limitation of certain liabilities; to the extent such laws apply, this disclaimer is intended to be interpreted as broadly as permitted under applicable law.
   
   

Barters Group reserves the right to modify or update this disclaimer at any time without prior notice.

II. "Do What You Love" Disclaimer

“Do what you love” is a motivational message intended to inspire personal exploration, creativity, and passion. It is not professional, legal, financial, medical, employment, or mental health advice, and should not be interpreted as a directive to make life-changing decisions without appropriate guidance.

By engaging with this phrase in any form, you acknowledge and agree to the following:

1. Personal Accountability: Any decisions or actions taken based on this message are made at your own discretion and risk. You are solely responsible for evaluating your circumstances, goals, and obligations.
   
   

2. No Guarantees or Warranties: Barters Group makes no promises or guarantees, express or implied, regarding the success, fulfillment, or outcomes of pursuing what you love. Results vary by individual and are influenced by many factors beyond our control.
   
   

3. Not a Substitute for Professional Advice: This phrase does not replace advice from qualified professionals such as career counselors, legal advisors, medical practitioners, or financial consultants. Always seek appropriate expertise when making significant personal or professional decisions.
   
   

4. No Liability: Barters Group, its affiliates, employees, and partners shall not be held liable for any actions, consequences, or interpretations that arise from the use or application of this slogan.
   
   

5. Inspirational Use Only: “Do what you love” is intended to uplift and encourage, not to serve as a basis for legal or contractual obligations.
   
   

Barters Group reserves the right to update or revise this disclaimer at any time without notice.

Barters Group Branding Fair Use Agreement

(For Partners, Clients, and Authorized Affiliates)

Owner: Barters Group LLC ("Barters Group", "we", "our", "us")

This Branding Fair Use Agreement (“Agreement”) outlines the terms and conditions under which authorized partners, clients, affiliates, and approved businesses (“You” or “Your”) may use the Barters Group name, logos, trademarks, and other brand assets (“Brand Assets”) as part of our umbrella marketing strategy.

By using any Barters Group Brand Assets, you agree to comply with this Agreement.

1. Purpose of Agreement

Barters Group grants limited, non-exclusive, and revocable rights for approved third parties to use its branding in accordance with:

• Co-marketing campaigns

• Authorized partnership announcements

• Platform-based service listings (e.g., Blulite, HotPay, Storilight)

• Print, web, or social materials that promote a verified connection with Barters Group

• Shared client engagement initiatives, business directories, or joint advertising
  
  

The goal is to maintain brand consistency and mutual visibility, while protecting the value and reputation of Barters Group's brand family.

2. What Brand Assets Are Covered

This Agreement applies to:

• The name Barters Group

• Approved logos, icons, and design marks

• Slogans, taglines, or campaign phrases (e.g., “Powered by Barters,” “Part of the Barters Group”)

• Brand-affiliated properties (e.g., Blulite, HotPay, Storilight, Hopsiti)

• Branded templates or co-branded marketing collateral provided by us
  
  

A full set of approved assets may be distributed upon signing a partnership or client agreement.

3. Permitted Uses

You may use Barters Group Brand Assets only in ways that:

• Accurately represent your authorized relationship with Barters Group

• Support co-branded campaigns, digital listings, or product integrations

• Acknowledge Barters Group as an umbrella brand or parent platform

• Are compliant with the brand guidelines (if issued)
  
  

Examples of acceptable use:

• “A Proud Partner of Barters Group” on your website

• Use of a Barters Group logo in a footer, flyer, or social post highlighting a joint initiative

• “Powered by Blulite” tag on business listings or vendor services provided through our network
  
  

4. Prohibited Uses

You may not:

• Misrepresent your level of partnership or affiliation

• Use Brand Assets in any way that suggests endorsement or ownership beyond agreed terms

• Modify, distort, or alter the appearance of logos or names

• Use branding in association with content that is illegal, hateful, misleading, defamatory, or harmful

• Sell, license, or redistribute Barters Group brand elements to third parties without approval
  
  

We reserve the right to review, limit, or revoke brand usage at any time.

5. Ownership & Intellectual Property

All Barters Group Brand Assets remain the sole and exclusive property of Barters Group LLC. Nothing in this Agreement shall be construed as transferring ownership or granting any license other than what is specifically stated.

You agree not to:

• Register or claim rights to any Barters Group trademarks or domains

• Create confusingly similar branding

• Challenge the validity of Barters Group trademarks
  
  

6. Term & Termination

This Agreement is effective upon first use of Brand Assets and remains in force until:

• Termination of your partnership or client agreement

• Revocation by Barters Group at our sole discretion

• Violation of brand usage guidelines
  
  

Upon termination, you must immediately discontinue all use of Barters Group brand materials and remove them from public-facing materials and platforms.

7. Brand Updates

Barters Group may periodically update brand guidelines or revise logo designs, formats, and usage terms. You agree to promptly update your materials to reflect any such changes.

8. Limitation of Liability

Barters Group shall not be liable for any indirect, incidental, or consequential damages arising from your use of our branding under this Agreement. You assume full responsibility for how our branding is represented in your materials.

9. Acceptance

By using Barters Group Brand Assets in any media or promotional material, you agree to this Fair Use Agreement and affirm that:

• You have read and understood the terms

• You are authorized to act on behalf of your business/entity

• You will comply with current and future brand guidelines

Blulite Privacy Policy

Blulite, a service provided by Barters Group LLC ("we", "us", or "our"), respects your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit or use any Blulite websites, mobile applications, platforms, or services (collectively, the “Platform”).

Please read this policy carefully. By accessing or using the Platform, you agree to the collection and use of your information in accordance with this Privacy Policy.

1. Information We Collect

We may collect personal information in the following ways:

a. Information You Provide Directly

• Name

• Email address

• Phone number

• Company name and details

• Billing and payment information

• Account login credentials

• Communications and feedback
  
  

b. Information Collected Automatically

• IP address

• Device and browser type

• Location data (based on IP or mobile settings)

• Usage data (pages visited, clicks, time spent)

• Cookies and similar technologies
  
  

c. Information from Third Parties

We may receive data from trusted partners, affiliates, service providers, or public sources to enhance your user experience.

2. How We Use Your Information

We use your data to:

• Provide and manage the Blulite platform and services

• Process payments and subscriptions

• Personalize your experience

• Communicate with you (service notices, updates, marketing)

• Analyze usage to improve our services

• Ensure legal and regulatory compliance

• Detect, prevent, and address fraud or abuse
  
  

3. Sharing Your Information

We do not sell your personal information. We may share it only with:

• Service providers (e.g., hosting, payment processors, analytics)

• Business affiliates and partners (with consent or contractual obligation)

• Legal and regulatory authorities (when required)

• Successors in the event of a merger, acquisition, or asset sale
  
  

All third parties are required to handle your data in accordance with this policy and applicable privacy laws.

4. Data Retention

We retain your information only as long as necessary to fulfill the purposes outlined above or to comply with legal obligations. You may request deletion of your data at any time (subject to contractual or legal restrictions).

5. Your Privacy Rights

Depending on your jurisdiction, you may have the right to:

• Access your personal data

• Correct or update inaccurate data

• Request deletion of your information

• Object to or restrict processing

• Withdraw consent for marketing communications

• Data portability (under GDPR)

To exercise these rights, please email us at hello@bartersgroup.com or use your account settings if applicable.

6. Cookies and Tracking

We use cookies and tracking technologies to improve site functionality and understand user behavior. You can manage your cookie preferences through your browser settings or via our cookie consent banner.

7. Security

We take data security seriously and use industry-standard measures such as encryption, firewalls, and secure access controls. However, no digital system is 100% secure, and we cannot guarantee absolute protection.

8. Children’s Privacy

Blulite is not intended for children under the age of 13 (or 16 where applicable under GDPR). We do not knowingly collect personal data from children. If you believe a child has submitted information to us, please contact us for immediate removal.

9. Third-Party Links

Our Platform may contain links to third-party sites. We are not responsible for their privacy practices. Please review their privacy policies separately.

10. Changes to This Policy

We may update this Privacy Policy periodically. All changes will be posted here with an updated effective date. Your continued use of Blulite after changes signifies acceptance.

Blulite – Location Terms of Agreement 

This Location Terms of Agreement ("Agreement") governs how Blulite, a service of Barters Group LLC ("we," "our," or "us"), collects, uses, and protects your location data when you access or use any of our websites, mobile apps, or services (collectively, the “Platform”) that utilize location-based features.

By enabling location services or using features of the Blulite platform that require or access location data, you acknowledge and agree to the following terms:

1. Collection of Location Data

We may collect location data through:

• Your device’s GPS, Wi-Fi, Bluetooth, or cellular signal;

• IP address-derived location;

• Inputted location data (e.g., business or event listings you submit);

• Third-party integrations (e.g., maps, ad networks, APIs).
  
  

Location tracking may occur in the background or foreground depending on your device settings and app permissions.

2. Use of Location Data

We use location data to:

• Deliver localized content, services, and ads;

• Recommend nearby events, businesses, or opportunities;

• Personalize your Blulite experience based on your region;

• Enable features such as geo-tagging, check-ins, or location-based search;

• Monitor and analyze user activity for performance and improvement;

• Comply with legal or safety obligations.
  
  

3. Sharing of Location Data

Blulite may share your location data under the following circumstances:

• With service providers (e.g., mapping APIs, analytics platforms) solely for operational purposes;

• With your consent, when using features like business location sharing or events;

• With partners or affiliates for joint marketing campaigns (if explicitly opted in);

• When required by law, regulation, or legal process.

We do not sell your location data.

4. Your Choices and Controls

You can manage how your location is shared in the following ways:

• Device Settings: You may enable/disable location permissions at any time through your mobile device or browser.

• In-App Controls: We may provide app-specific settings to limit when or how location data is collected or used.

• Opt-Out: Some location-based features may be disabled if you withdraw permission.
  
  

Note: Disabling location services may limit your access to certain features of the Platform.

5. Data Retention

We retain your location data only for as long as needed to fulfill the purposes outlined in this Agreement or as required by law. Anonymized or aggregated data may be retained longer for analytics or business insights.

6. Security

We implement reasonable and industry-standard safeguards to protect location data from unauthorized access, misuse, or disclosure. However, no system is 100% secure.

7. Changes to This Agreement

We reserve the right to modify this Location Terms of Agreement at any time. Material changes will be communicated through the Platform, and your continued use of location-based services will signify acceptance.

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Blulite Data Collection & Use Terms of Agreement 

This Data Collection & Use Agreement (“Agreement”) outlines how Blulite, a service of Barters Group LLC ("we," "our," or "us"), collects, uses, processes, stores, and shares data in connection with the Blulite platform (“Platform”).

By accessing or using Blulite, you (“you,” “your,” or “user”) agree to the data collection and use practices described below, in compliance with applicable data privacy laws including, but not limited to, the California Consumer Privacy Act (CCPA) and General Data Protection Regulation (GDPR).

1. Types of Data We Collect

We may collect the following categories of data:

a. Personal Identifiable Information (PII)

• Name, email, phone number, mailing/billing address

• Business or organizational affiliations

• Usernames, passwords, and account credentials
  
  

b. Business and Marketing Data

• Business listings, service descriptions, and contact details

• Marketing preferences and responses to Blulite campaigns

• Reviews, content contributions, and engagement metrics
  
  

c. Device and Technical Data

• IP address, browser type, device identifiers

• Operating system, mobile network, and access times

• Cookies, analytics tags, and usage logs
  
  

d. Location Data

• GPS, Wi-Fi, and IP-based location data

• Check-in data or location-verified services
  (See separate Location Terms for details)
  
  

e. Behavioral and Engagement Data

• Platform navigation patterns and interaction logs

• Time spent on services, click behavior, and search activity

• Conversion tracking and campaign performance
  
  

2. How We Use the Data

We collect and use your data to:

• Deliver and manage Blulite products, services, and features

• Improve user experience and personalize content

• Facilitate marketing and customer engagement

• Verify user identity and prevent fraud or abuse

• Analyze trends, generate insights, and enhance performance

• Comply with legal, contractual, or regulatory obligations
  
  

3. Data Sharing & Disclosure

We do not sell your personal data. We may share data with:

• Service providers (e.g., analytics, cloud hosting, payment processors)

• Business partners (for joint promotions or opt-in integrations)

• Law enforcement or legal authorities (when required by law)

• Corporate affiliates or successors in the event of merger or acquisition
  
  

All data sharing is done under strict confidentiality, security, and legal compliance agreements.

4. Data Security

We implement technical and organizational measures to protect your data, including:

• Encryption of sensitive information

• Secure access controls and firewalls

• Regular audits and breach monitoring systems
  
  

However, no system is 100% secure, and we cannot guarantee absolute protection.

5. Your Rights and Controls

Depending on your jurisdiction, you may have rights to:

• Access, correct, or delete your personal data

• Restrict or object to processing

• Withdraw consent at any time

• Export or transfer your data (data portability)

• Opt out of certain data uses (e.g., marketing)
  
  

You may exercise these rights by contacting hello@bartersgroup.com or using in-app tools where available.

6. Data Retention

We retain data only for as long as necessary to:

• Fulfill the purposes outlined in this agreement

• Comply with legal or contractual obligations

• Enforce our Terms of Service or resolve disputes
  
  

Non-personal or anonymized data may be retained indefinitely for statistical analysis and business intelligence.

7. Third-Party Integrations

Blulite may integrate with third-party platforms (e.g., social networks, payment gateways). We are not responsible for the data practices of these third parties. Please review their privacy policies separately before connecting your accounts.

8. Changes to This Agreement

We reserve the right to update or modify this Data Agreement at any time. All changes will be posted with an updated effective date. Continued use of the Platform after such changes constitutes acceptance of the revised terms.

Blulite Terms of Service: Web Sources & Third-Party Content

These Terms of Service apply to the use of third-party content, web sources, APIs, and embedded media on the Blulite platform, a service of Barters Group LLC ("we", "our", or "us"). They outline your responsibilities, rights, and limitations when engaging with external links, services, or data featured or integrated into the Blulite ecosystem (“Web Sources”).

By accessing or using the Blulite platform, you agree to all terms herein.

1. Use of Third-Party Web Sources

Blulite may feature or link to third-party:

• Websites and directories

• Social media content

• News articles and public information

• Business data and listings

• Interactive tools (e.g., maps, reviews, check-ins)

• APIs and external widgets
  
  

These integrations are provided strictly for informational, navigational, or service-related purposes.

2. No Endorsement or Affiliation

Unless explicitly stated, Blulite is not affiliated with, endorsed by, or officially partnered with any third-party whose content is linked or embedded. We do not validate the accuracy, legality, or reliability of third-party information and are not responsible for any outcomes resulting from your use of such resources.

3. Fair Use Notice

Some content made available via Blulite (e.g., business names, public data, article snippets, or logos) may be protected by copyright or trademark law. Such materials may appear for purposes of:

• Commentary or critique

• Educational or informational use

• Public interest or review

• Transformative digital utility (e.g., indexing, search)
  
  

Blulite believes its use of such content qualifies as “fair use” under applicable U.S. and international copyright laws. If you believe your intellectual property has been used improperly, see the DMCA section below.

4. DMCA Notice & Takedown Policy

Blulite respects the intellectual property rights of others. If you are a rights holder and believe that your copyrighted material has been used in a way that constitutes infringement, please submit a formal DMCA takedown notice including the following:

• Your full legal name and contact information

• A description of the copyrighted work

• The exact URL or location of the infringing material on Blulite

• A statement that you have a good faith belief the use is unauthorized

• A statement made under penalty of perjury

• Your physical or electronic signature
  
  

Send your DMCA request to:
Email: dmca@bartersgroup.com
Address:  8401 Mayland Dr STE V, Richmond, VA 23294
Subject Line: DMCA Takedown Request

Upon receipt, we will review the complaint and may remove the content or contact the content provider for clarification.

5. API Use Terms

Blulite integrates data and services from various public and private Application Programming Interfaces (APIs) (e.g., Google Maps, Yelp, Eventbrite, OpenAI, etc.). By using Blulite, you agree to the following:

• Your use of third-party data through Blulite must comply with the original provider’s terms of service and usage limits.

• Blulite makes no warranty regarding data accuracy, freshness, or completeness derived via APIs.

• Blulite may cache or temporarily store external API data for performance, but does not guarantee uptime or access if the API source becomes unavailable.

• Abuse, reverse-engineering, or overuse of any integrated API may result in service restrictions or account suspension.
  
  

6. Data Accuracy and Disclaimers

Information sourced externally may change without notice. While Blulite strives to maintain a high-quality experience, we make no guarantees of:

• Real-time accuracy

• Legal compliance of external sources

• Security or malware protections on linked websites
  
  

You are solely responsible for reviewing the terms and safety practices of any third-party platform you access.

7. Limitation of Liability

To the fullest extent permitted by law, Blulite and Barters Group LLC shall not be liable for:

• Any damages or losses caused by reliance on third-party content

• Inaccurate, outdated, or misleading external data

• Service interruptions due to third-party platform outages

• Intellectual property disputes relating to third-party assets
  
  

8. Modifications

Blulite reserves the right to update, modify, or discontinue access to third-party content and web integrations at any time, for any reason, without liability. These terms may also be updated periodically. Continued use of the platform after any updates constitutes acceptance of the revised terms.

Blulite Contact Information Terms of Agreement 

This Contact Information Terms of Agreement (“Agreement”) outlines how Blulite, a service of Barters Group LLC ("we," "our," or "us"), handles the collection, use, and protection of contact information provided or imported by users (“you,” “your,” or “User”) into the Blulite platform (the “Platform”).

By submitting, importing, or interacting with contacts through the Platform, you agree to the terms below.

1. Definition of Contact Information

For the purposes of this Agreement, Contact Information may include:

• Names, emails, and phone numbers

• Company or organization names

• Job titles or roles

• Addresses (physical or billing)

• Social media or business profile links

• Notes or tags associated with the contact

• Communication history or interactions via the Platform
  
  

2. How Contact Information Is Collected

You may provide contact data to Blulite through:

• Manual input into forms or directories

• Importing contact lists from your CRM, email, or phonebook

• Business onboarding or registration

• User referrals, form submissions, or lead generation tools

• Integration with third-party services (e.g., Google, LinkedIn, Mailchimp)
  
  

3. User Responsibilities

You affirm that:

• You have legal rights and necessary consent to submit or manage the contacts you upload or enter

• All contact Information you provide is accurate, lawful, and not misleading

• You will not use Blulite to send spam or unsolicited communications in violation of privacy or anti-spam laws (such as CAN-SPAM, GDPR, or TCPA)

• You will update or delete contacts if requested by the data subject or if your lawful basis for contact expires
  
  

You are solely responsible for the contacts you manage and their compliance with applicable privacy and communications laws.

4. How We Use Contact Information

Blulite may use submitted Contact Information to:

• Help you organize, search, and manage your contacts

• Enable CRM, outreach, or campaign functions

• Allow tagging, segmentation, and filtering

• Provide analytics, insights, or automation services

• Deliver messages, updates, or appointment reminders on your behalf

• Support platform operations, diagnostics, and account management
  
  

We do not sell your contact lists. Data may be anonymized or aggregated for internal product development and analytics.

5. Contact Sharing & Visibility

Blulite will not disclose your private contacts to other users unless:

• You choose to publish or list your contacts or business publicly

• You participate in referral, directory, or collaborative marketing programs

• You provide explicit consent to share contacts across accounts or teams

• Required by law or to respond to legal claims
  
  

6. Data Security and Storage

We implement technical, organizational, and access-control measures to protect Contact Information against unauthorized access, misuse, or loss. These include:

• Encryption in transit and at rest

• Secure login and authentication procedures

• API key access limits for third-party integrations
  
  

Despite our safeguards, no system is completely secure, and you acknowledge that risks are inherent in internet-based platforms.

7. Data Retention and Deletion

We retain Contact Information only as long as necessary to support your use of the Platform, fulfill legal requirements, or support our legitimate interests. You may:

• Export or download your contacts at any time

• Request account or data deletion

• Permanently remove individual or group contacts from your dashboard
  
  

Deleted contacts will be removed from active use and eventually purged from backup systems, subject to applicable data-retention regulations.

8. Compliance with Privacy Laws

Blulite is committed to protecting personal data and complying with applicable privacy laws including:

• GDPR (EU/UK)

• CCPA (California)

• CAN-SPAM Act (U.S.)

• PIPEDA (Canada)

• TCPA (U.S. text/phone marketing)
  
  

You are responsible for ensuring that your use of contact data complies with these or any other local regulations where your contacts reside.

9. Changes to This Agreement

We may revise this Agreement from time to time. The updated version will be posted on the Platform and include an updated effective date. Continued use after updates constitutes your acceptance of the revised terms.

Blulite Terms of Agreement: Personal Information, Business Information, & Mailing Address 

This Terms of Agreement (“Agreement”) outlines how Blulite, a service of Barters Group LLC (“we,” “our,” or “us”), collects, uses, stores, and protects Personal Information, Business Information, and Mailing Addresses provided by users (“you” or “your”) through the Blulite platform (the “Platform”).

By submitting any of the information described below, you agree to the terms of this Agreement.

1. Definitions

a. Personal Information

Refers to any information that identifies you as an individual, including but not limited to:

• Full name

• Email address

• Phone number

• Date of birth

• Profile photo

• Login credentials

• Government-issued ID (if applicable for verification)
  
  

b. Business Information

Refers to data relating to a company, organization, or commercial entity, including:

• Business name and entity type

• Industry classification

• Business contact details (emails, phones)

• Employer Identification Number (EIN) or license numbers

• Service descriptions and operational details

• Business hours, categories, or directory data
  
  

c. Mailing Address

Includes physical addresses used for:

• Account verification

• Shipping, billing, or invoicing

• Business listing display

• Communication or legal notices
  
  

2. How We Collect This Information

We collect this information through:

• Account registration and profile setup

• Business listing creation

• Form submissions, surveys, or purchases

• Payment processing and billing

• Marketing campaigns and newsletters

• Voluntary updates or verification processes
  
  

3. How We Use Your Information

Blulite uses your information for the following purposes:

• To verify identity and establish user or business accounts

• To display accurate business listings and location data

• To enable communication between users and clients

• To deliver services, updates, and transactional communications

• To process payments and maintain billing records
  
  

• To meet legal or regulatory obligations
  
  

4. Accuracy & User Responsibility

You agree to:

• Provide accurate, current, and complete information at the time of submission

• Promptly update your information if it changes

• Not impersonate any person or entity or use false information
  
  

You are solely responsible for the accuracy of your submitted personal, business, and address data.

5. Data Visibility and Sharing

Blulite may display or share portions of your submitted information:

• To other users, clients, or businesses for engagement (e.g., via directories, reviews, bookings)

• To third-party service providers (e.g., payment processors, delivery platforms)

• To legal authorities when required by law or valid subpoena
  
  

We do not sell your personal or business data.

6. Mailing Address Use

Mailing addresses may be used for:

• Account verification or fraud prevention

• Invoice and tax documentation

• Physical mailings (if opted in)

• Mapping, business verification, or geolocation

• Display on public listings (with your consent)
  
  

You may update or request redaction of your address at any time, subject to business listing guidelines or legal record-keeping obligations.

7. Data Protection and Security

We use industry-standard security protocols including:

• SSL encryption

• Secure data storage

• Access controls and monitoring

• Periodic audits
  
  

Despite these safeguards, no platform is entirely immune to risks. You use the Platform at your own risk and agree to take reasonable measures to secure your accounts and personal data.

8. Retention and Deletion

We retain information:

• As long as your account is active

• As required by law (e.g., for tax or business records)

• For historical or audit purposes (anonymized where possible)
  
  

You may request deletion or correction of your data by contacting privacy@bartersgroup.com.

9. Compliance with Privacy Laws

Blulite complies with applicable privacy regulations, including:

• GDPR (EU/UK)

• CCPA (California)

• CAN-SPAM (U.S.)

• PIPEDA (Canada)

• TCPA (for phone/text outreach)
  
  

You agree to use personal and business data in compliance with these laws and only for lawful purposes.

10. Changes to This Agreement

We reserve the right to revise this Agreement. Updates will be posted with a new effective date. Continued use of the Platform after such changes indicates your acceptance of the updated terms.

Blulite Terms of Agreement & Legal Disclaimer: ID Verification

 This ID Verification Terms of Agreement (“Agreement”) and Legal Disclaimer explain how Blulite, a service of Barters Group LLC (“we,” “our,” or “us”), collects, verifies, stores, and protects your identity information, including government-issued identification, business credentials, or other legal documents (“ID Information”).

By submitting any form of identification through the Blulite platform (“Platform”), you consent to the following terms.

1. Purpose of ID Verification

Blulite may require ID verification to:

• Confirm your identity as a user, business representative, or service provider

• Prevent fraud, misrepresentation, or duplicate accounts

• Comply with local, national, or international regulations (e.g., KYC, AML laws)

• Establish trust within the Blulite platform community

• Unlock certain features or services (e.g., payments, business listings, advertising)

• Respond to legal or contractual obligations
  
  

2. Types of ID Information Collected

Depending on the purpose and jurisdiction, we may request:

• Government-issued photo ID (e.g., driver’s license, passport, national ID)

• Business documentation (e.g., business license, tax certificate, EIN/SSN)

• Selfie or live image for facial matching

• Utility bills or address verification documents

• Professional certifications or occupational licenses
  
  

3. Legal Disclaimer

By participating in Blulite’s ID verification process, you acknowledge and agree that:

• Submission of ID does not guarantee platform access or approval—Blulite reserves the right to deny access for any reason.

• Verification may be conducted by third-party services (e.g., identity platforms, OCR vendors), and Blulite disclaims liability for any technical delays, data mismatches, or third-party processing errors.

• You submit ID information voluntarily and truthfully, and falsifying identification or using another person’s credentials is strictly prohibited and may result in termination of your account and legal consequences.

• The Platform may suspend or restrict services pending verification.
  
  

4. How ID Information is Used

Blulite uses submitted ID information only for legitimate, limited purposes, such as:

• Matching identity with registered account information

• Internal risk assessment and fraud prevention

• Legal compliance (tax reporting, anti-money laundering, etc.)

• Granting access to restricted services or business listings

• Customer support or dispute resolution
  
  

We do not share, sell, or publicly display ID documents.

5. Retention & Deletion of ID Data

Blulite retains ID information:

• Only as long as necessary to fulfill the verification or legal purpose

• In secure, encrypted storage environments

• In accordance with retention requirements under applicable law
  
  

You may request deletion of your ID information once verification is complete, unless legally prohibited.

6. Security Measures

We protect your ID information using:

• Encryption at rest and in transit

• Role-based access control

• Data minimization (only necessary data fields are stored)

• Use of reputable, compliant verification partners
  
  

Despite these safeguards, no system is immune from security risk. You agree that you understand these risks and accept them when submitting ID information.

7. Minors and Age Restrictions

Users under 18 (or applicable legal age in your jurisdiction) may only submit ID with parental or legal guardian consent. Blulite does not knowingly collect ID from minors without proper authorization.

8. Refusal or Failure to Verify

If you:

• Fail to complete the verification process,

• Submit invalid or unverifiable documentation, or

• Refuse verification when it is required,
  
  

Blulite reserves the right to restrict, suspend, or terminate your access to the platform or related services without liability.

9. Changes to This Agreement

We reserve the right to update this Agreement and related policies at any time. Revisions will be posted with a new effective date. Continued use of the platform after changes constitutes your acceptance of the updated terms.

Blulite Terms of Agreement & Legal Disclaimer: Bank Information Collection 

This section outlines the terms under which Blulite, a service of Barters Group LLC (“we,” “our,” or “us”), collects, stores, and uses bank account and financial information (“Bank Information”) submitted by users or businesses (“you” or “your”) through the Blulite platform (“Platform”).

By providing your Bank Information, you agree to the terms and conditions described below.

1. Types of Bank Information Collected

Blulite may collect or process the following types of Bank Information:

• Bank account number and routing number

• Account holder’s legal name and mailing address

• Business name and EIN (if applicable)

• Payment method preferences (ACH, wire, debit)

• IBAN, SWIFT/BIC, or other international banking codes

• Account verification documents (e.g., voided checks, bank statements)
  
  

2. Purpose of Collection

Your Bank Information may be collected and used for:

• Facilitating direct deposit payments or withdrawals (e.g., for merchants or service providers)

• Subscription billing or invoicing

• Verifying business authenticity or financial identity

• Processing refunds or cancellations

• Enabling Blulite services involving HotPay, Blulite Pro, or third-party payment processors

• Complying with anti-fraud, anti-money laundering (AML), or know-your-customer (KYC) regulations
  
  

3. Legal Disclaimer

• You submit your Bank Information voluntarily and affirm that it is accurate and belongs to you or your authorized business entity.

• Blulite does not store sensitive banking credentials directly on its servers. Bank information is stored securely through vetted, PCI-DSS compliant third-party payment processors.

• Blulite is not liable for losses resulting from false information, third-party payment gateway failures, or unauthorized access that occurs due to negligence on your part (e.g., shared passwords, unsecured devices).

• Submission of Bank Information does not obligate Blulite to approve payouts, services, or account features. Additional verification may be required.
  
  

4. Storage & Security

We protect your Bank Information by:

• Encrypting all financial data during transmission

• Storing data with PCI-compliant payment processors and not directly on our core application database

• Limiting access to authorized personnel only

• Using tokenization where applicable (e.g., Stripe, Plaid, or banking APIs)
  
  

We partner only with processors that follow industry-standard best practices for financial data protection.

5. Sharing & Third-Party Disclosure

We may share your Bank Information only when:

• Required by law or a valid legal process (e.g., court order, audit, or regulatory inquiry)

• Necessary to complete financial transactions via payment processors or financial partners

• Authorized by you through opt-in services or features (e.g., linking accounts with third-party financial tools)
  
  

We do not sell or trade your banking data under any circumstances.

6. Consent & Withdrawal

You may withdraw your consent to use or store your Bank Information at any time by:

• Removing it via your account settings (where available)

• Submitting a written request to our Compliance Team
  
  

Please note: Withdrawal may limit access to payment services or require re-verification to reactivate features.

7. Retention & Deletion

Blulite retains your Bank Information:

• As long as your account is active or until the purpose for collection is fulfilled

• To the extent required for legal compliance, financial audits, or fraud prevention

• For historical record-keeping (in encrypted, limited-access environments)
  
  

Once retention obligations end, your Bank Information is deleted or anonymized in accordance with industry standards.

8. Compliance with Financial Regulations

Blulite complies with:

• PCI-DSS data security standards (via third-party processors)

• Bank Secrecy Act (BSA)

• AML/KYC regulations

• CCPA, GDPR, and other privacy legislation regarding financial data
  
  

We strive to ensure that our handling of financial information meets or exceeds legal and industry obligations.

9. Changes to This Agreement

Blulite may update this Agreement at any time. Changes will be posted with a new effective date. Your continued use of the Platform and payment features constitutes acceptance of the revised terms.

Blulite Intellectual Property & Copyright Terms of Agreement 

This Intellectual Property & Copyright Terms of Agreement (“Agreement”) outlines the rights, responsibilities, and legal protections related to content, trademarks, and other intellectual property used on or submitted to the Blulite platform (“Platform”), operated by Barters Group LLC (“we,” “us,” or “our”).

By accessing or using Blulite, you (“User” or “you”) agree to the following terms regarding ownership, licensing, usage, and protection of intellectual property.

1. Ownership of Platform Content

All content made available on the Blulite Platform — including but not limited to:

• Text, logos, graphics, UI/UX design, icons

• Software, code, and APIs

• Videos, images, and digital media

• Business processes, modules, and systems

• Brand identity elements (e.g., “Blulite", "Hopsiti", “HotPay”, “Storilight”, etc.)
  
  

— is the exclusive property of Barters Group LLC, its licensors, or content providers, and is protected by U.S. and international copyright, trademark, and intellectual property laws.

All rights not expressly granted are reserved.

2. User-Generated Content (UGC)

If you upload, publish, or submit any content to Blulite (e.g., business listings, reviews, media files, posts, or brand assets), you:

• Affirm that you own or have legal rights to use the content

• Grant Blulite a non-exclusive, worldwide, royalty-free license to host, display, distribute, and use the content as part of the Platform’s services and promotions

• Understand that Blulite may moderate, remove, or restrict content that violates platform policies, laws, or intellectual property rights
  
  

You retain ownership of your content but grant us limited rights to use it within the scope of the Blulite platform.

3. Use of Blulite Intellectual Property

You may not:

• Copy, reproduce, modify, distribute, or create derivative works based on Blulite’s proprietary content

• Use Blulite trademarks, logos, or branding without prior written permission

• Reverse-engineer, decompile, or attempt to extract source code from Blulite’s platform or tools

• Imply partnership, endorsement, or affiliation with Blulite without consent
  
  

Unauthorized use of Blulite IP may result in account suspension, legal action, or both.

4. Trademark Notice

The names Blulite, Barters Group, HotPay, Storilight, and all associated logos, slogans, and platform features are trademarks or registered trademarks of Barters Group LLC in the United States and/or other jurisdictions.

All other names, logos, and marks are the property of their respective owners.

5. Copyright Infringement Policy (DMCA)

We respect the intellectual property rights of others and comply with the Digital Millennium Copyright Act (DMCA).

If you believe content on Blulite infringes on your copyright, submit a written notice to:

Email: dmca@bartersgroup.com
Subject Line: DMCA Takedown Request
Include:

• Your contact information

• A description of the copyrighted work

• The URL or location of the allegedly infringing material

• A statement of good faith belief

• A statement under penalty of perjury

• Your physical or electronic signature
  
  

Upon valid request, we will investigate and may remove or disable access to the content.

6. Reporting Unauthorized Use

To report unauthorized use of your content or Blulite trademarks, please contact:

Legal Team – Blulite / Barters Group LLC
Email: hello@bartersgroup.com
Address: 8401 Mayland Dr STE V, Richmond, VA 23294

7. Indemnity

You agree to indemnify and hold harmless Blulite and Barters Group LLC against any claim, demand, loss, or damages (including legal fees) arising out of:

• Content you upload that infringes on the rights of others

• Unauthorized use of platform content or trademarks

• Any breach of this Agreement
  
  

8. Changes to This Agreement

We reserve the right to modify this Agreement at any time. Updates will be posted with a new effective date. Continued use of the Platform after updates constitutes acceptance of the new terms.

Blulite Identity Theft Disclaimer and Terms of Agreement 

1. Purpose

This Identity Theft Disclaimer and Terms of Agreement (“Agreement”) outlines your rights, responsibilities, and Blulite’s position on issues related to identity theft, impersonation, or unauthorized use of personal or business information within the Blulite ecosystem.

By using the Blulite platform (“Platform”), you agree to the terms and conditions below.

2. Definition of Identity Theft

Identity theft includes, but is not limited to:

• Creating an account using another individual’s or entity’s personal, legal, or business information without authorization

• Using another person’s name, photo, government-issued ID, business license, or financial credentials fraudulently

• Posing as another person or business to access, alter, or defraud users or the platform

• Gaining unauthorized access to someone else’s Blulite account, data, or profile
  
  

Such activities are strictly prohibited and may result in immediate termination, criminal investigation, and civil liability.

3. User Responsibilities

As a user of Blulite, you agree to:

• Provide truthful, accurate, and verifiable information when creating and maintaining your account

• Never impersonate another individual, company, or brand

• Protect your account login credentials and notify Blulite immediately if you suspect unauthorized access

• Cooperate with any investigation related to identity theft or impersonation claims

• Use your real identity or the identity you are legally authorized to represent
  
  

You are solely responsible for any activity conducted through your account unless proven otherwise.

4. Blulite’s Rights and Actions

Blulite reserves the right to:

• Investigate all allegations or evidence of identity theft, impersonation, or unauthorized use of information

• Suspend, restrict, or terminate any account suspected of fraudulent activity

• Request verification documentation (e.g., government-issued ID, business license, EIN, utility bill) to confirm ownership of personal or business accounts

• Report suspected identity theft to law enforcement or regulatory authorities

• Take legal action, including civil litigation, against users who knowingly commit fraud or impersonation on the Platform
  
  

Blulite is not responsible for losses or damages incurred due to identity theft unless caused by its own negligence or breach of data security obligations.

5. Limitation of Liability

Blulite will make reasonable efforts to prevent identity theft, including the use of security protocols, verification tools, and user safeguards. However:

Blulite does not guarantee protection against all forms of impersonation or fraud and disclaims liability for identity theft unless directly resulting from our willful misconduct, negligence, or data breach.

You use the platform at your own risk and should take personal measures to secure your devices, passwords, and sensitive information.

6. Dispute Resolution

If you believe your identity has been used fraudulently on Blulite:

• Contact compliance@blulite.com with supporting documentation

• Provide proof of identity and/or business ownership

• Blulite will review the claim and respond within a reasonable timeframe

• Disputes may be escalated through mediation or legal action if needed
  
  

7. Governing Law

This Agreement is governed by and construed in accordance with the laws of the state in which Barters Group LLC is registered. Any disputes shall be resolved in a court of competent jurisdiction in that state unless otherwise required by law.