Terms of Use

These Terms of Use govern your access to and use of the Locke Direct website, questionnaires, document-preparation tools, downloadable documents, and related services collectively referred to as the “Service.”

Locke Direct is operated by Locke Development LLC, a Tennessee limited liability company. References in these Terms to “Locke Direct,” “we,” “us,” or “our” refer to Locke Development LLC when acting as the operator of the Service.

By accessing the Service, creating an account, or purchasing a product, you agree to these Terms. Please read them before using Locke Direct.

1. About Locke Direct

Locke Direct provides guided document-preparation tools for individuals and businesses.

Locke Direct is not a law firm. It does not act as your lawyer, provide legal advice or representation, form an attorney-client relationship, or determine whether a document is legally sufficient for your particular circumstances or jurisdiction.

The Service uses questionnaires, document templates, clause libraries, and the information you provide to generate documents. Completed documents are intended to be reviewed by qualified legal counsel of your choice before you rely on, sign, file, deliver, or otherwise use them.

2. Eligibility and authority

You must be at least 18 years old and legally capable of entering into a binding agreement to use the Service.

When using Locke Direct for a business, organization, estate, trust, or another person, you represent that you have authority to provide the information entered and to act on behalf of that person or entity.

3. Your responsibilities

You are responsible for:

• Providing accurate, current, and complete information.
• Reviewing every answer, selection, and generated document for accuracy.
• Confirming that names, dates, addresses, amounts, legal descriptions, and other material terms are correct.
• Obtaining legal, tax, financial, or other professional advice when appropriate.
• Determining and completing any required signing, witnessing, notarization, filing, recording, delivery, or registration steps.
• Using the Service and generated documents only for lawful purposes.

Locke Direct cannot verify every fact you enter or determine whether information you omit may affect your legal rights.

4. Document preparation and jurisdictional limitations

Laws, filing requirements, execution formalities, and accepted document language vary by state, locality, agency, court, and transaction.

Unless a product expressly states otherwise, Locke Direct does not represent that a document has been approved by any court, government agency, bar association, financial institution, recording office, or other third party.

A document identified for use in a particular state may still require modification based on your circumstances, local rules, later changes in law, or the requirements of the person or institution receiving it.

5. Purchases and payment

Locke Direct products are sold as one-time purchases unless the checkout page expressly states otherwise. No recurring subscription is required for a one-time product.

The applicable price, included files, product level, and material purchase terms will be displayed before checkout. Prices may change, but a later price change will not alter the price of a completed purchase.

Payments are handled through a third-party payment processor. Locke Direct does not directly receive or store complete payment-card information.

You are responsible for applicable taxes, government charges, recording fees, filing fees, notarization costs, or third-party expenses unless the checkout page expressly states that they are included.

6. Delivery and access

Purchased documents may be delivered through your Locke Direct workspace, by download, by email, or through another method shown during checkout.

You are responsible for downloading and retaining copies of your completed files. Access periods, revision terms, and included file formats vary by product and are disclosed before purchase. Self-guided forms include 1 revision. Customized, advanced, and complete-package purchases include unlimited revisions for 30 days after purchase. After that window, the last generated files remain available to download; new revisions are not. Existing purchases keep the revision terms that were in effect when they were paid.

Locke Direct does not guarantee that a third party will accept a generated document.

7. Cancellations and refunds

Refund eligibility is governed by the Locke Direct Refund Policy presented at or before checkout.

Because a document may be generated or made available immediately after purchase, refund eligibility may differ depending on whether document preparation has begun, files have been generated, or files have been downloaded.

Nothing in these Terms limits any refund, cancellation, or consumer right that cannot legally be waived.

8. License to use completed documents

After payment, Locke Direct grants you a limited, nonexclusive license to use, copy, edit, sign, share, file, and retain the completed document for the personal, business, transaction, or matter for which it was purchased.

You may provide the completed document to lawyers, advisers, counterparties, courts, government offices, financial institutions, and other persons involved in that matter.

You may not:

• Resell or commercially redistribute Locke Direct templates or generated documents as blank forms.
• Represent Locke Direct content as a document library you created.
• Use Locke Direct content to operate or train a competing document-generation service.
• Remove proprietary notices from materials that are not part of the completed customer document.
• Systematically copy, scrape, extract, or reproduce Locke Direct questionnaires, clause libraries, workflows, or platform content.

9. Your information and generated content

You retain ownership of the factual information and original content you enter into the Service.

You authorize Locke Direct to process that information as reasonably necessary to operate the Service, generate your documents, provide customer support, prevent misuse, and comply with applicable law.

The collection and handling of personal information are further described in the Locke Direct Privacy Policy.

10. Locke Direct intellectual property

The Locke Direct name, branding, software, interface, questionnaires, workflow design, clause libraries, templates, explanatory content, and website materials are owned by Locke Development LLC or its licensors and are protected by applicable intellectual-property laws.

Purchasing a product does not transfer ownership of the Locke Direct platform, underlying templates, software, questionnaires, or clause libraries.

Your right to use the completed document is governed by Section 8.

11. Electronic communications

By using the Service, you agree that Locke Direct may provide transactional communications electronically, including purchase confirmations, account notices, document-delivery messages, policy updates, and service-related notices.

You are responsible for maintaining an accurate email address and the equipment and software needed to access electronic communications and downloaded files.

Marketing communications, where offered, will be handled separately from essential transactional messages.

12. Third-party services

The Service may rely on third parties for payment processing, electronic signatures, hosting, file conversion, email delivery, identity verification, or other functions.

Third-party services may be governed by their own terms and privacy policies. Locke Direct is not responsible for a third party’s independent acts, omissions, availability, or policies.

13. Prohibited uses

You may not use the Service to:

• Violate any law, regulation, court order, or third-party right.
• Create fraudulent, deceptive, misleading, or unlawful documents.
• Impersonate another person or misrepresent your identity or authority.
• Enter information you do not have the right to use.
• Circumvent required legal, filing, licensing, disclosure, or execution procedures.
• Introduce malicious code or interfere with the security or operation of the Service.
• Gain unauthorized access to accounts, systems, or information.
• Copy, scrape, reverse engineer, or exploit the Service except where applicable law expressly permits it.

14. Service availability and changes

Locke Direct is provided on an available basis. We do not guarantee that every product, feature, or part of the Service will always be available, uninterrupted, secure, or error-free.

We may maintain, correct, update, replace, suspend, or discontinue portions of the Service. Where reasonably practicable, notice will be provided before a change that materially affects an active paid product.

Discontinuing a feature does not eliminate rights you already received in properly downloaded documents.

15. Suspension and termination

Locke Direct may suspend or terminate access when we reasonably believe that:

• These Terms have been violated.
• The Service is being used unlawfully or fraudulently.
• An account presents a security risk.
• Payment has been reversed, disputed, or obtained without authorization.
• Suspension is necessary to comply with law or protect users, Locke Direct, or third parties.

Provisions concerning intellectual property, document-use restrictions, disclaimers, liability, and dispute resolution survive termination where applicable.

16. Disclaimer of warranties

To the fullest extent permitted by law, the Service and generated documents are provided “as is” and “as available.”

Locke Direct disclaims implied warranties of merchantability, fitness for a particular purpose, noninfringement, accuracy, and acceptance by any court, agency, institution, counterparty, or other third party.

Locke Direct does not warrant that:

• A generated document will achieve a particular legal, financial, tax, or business result.
• Every available clause is appropriate for your circumstances.
• The Service will identify every issue that a lawyer might identify.
• A document will remain current after laws or requirements change.
• The Service will operate without interruption or error.

These disclaimers do not limit warranties or consumer rights that cannot legally be excluded.

17. Limitation of liability

To the fullest extent permitted by law, Locke Development LLC and its members, employees, contractors, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or related to the Service or a generated document.

This includes, without limitation, lost profits, lost opportunities, lost data, filing rejection, transaction failure, business interruption, or claims arising from inaccurate or incomplete information provided by a user.

To the fullest extent permitted by law, Locke Development LLC’s aggregate liability arising from a particular purchased product will not exceed the amount paid for that product.

These limitations do not apply where liability cannot legally be limited or excluded.

18. Changes to these Terms

We may revise these Terms when the Service, our business practices, or applicable requirements change.

The updated Terms will be posted with a revised effective date. Material changes affecting existing users or active purchases will be communicated where reasonably required.

Changes will apply prospectively unless applicable law permits or requires otherwise.

19. Governing law and disputes

These Terms and disputes arising from or relating to the Service or a transaction with Locke Development LLC are governed by the laws of the State of Tennessee, without regard to conflict-of-law principles that would require application of another jurisdiction’s law. This choice of law does not deprive a consumer of protections that applicable law makes non-waivable.

Before initiating formal proceedings, customers are encouraged to contact Locke Direct at support@lockedirect.com and provide a reasonable opportunity to investigate and resolve the matter. Refund eligibility remains governed by the Locke Direct Refund Policy and applicable law.

Subject to applicable law requiring otherwise, an action properly brought in state court shall be brought in a court of competent jurisdiction located in Hamilton County, Tennessee.

If a claim independently satisfies the requirements for federal subject-matter jurisdiction, the parties consent to venue in the United States District Court for the Eastern District of Tennessee, in the division having proper venue and jurisdiction over the matter. Nothing in these Terms creates federal subject-matter jurisdiction where it would not otherwise exist.

Locke Direct is an internet-based service and transactions through the Service may involve interstate commerce. Nothing in these Terms eliminates rights or obligations imposed by applicable federal law or non-waivable state consumer-protection law.

20. General terms

If any provision of these Terms is held unenforceable, the remaining provisions will remain in effect.

A failure to enforce a provision is not a waiver of the right to enforce it later.

You may not assign your rights under these Terms without Locke Direct’s written consent. Locke Development LLC may assign these Terms as part of a merger, acquisition, reorganization, asset transfer, or similar business transaction.

These Terms, together with the Privacy Policy, Refund Policy, and any product-specific terms presented at checkout, constitute the complete agreement concerning your use of the Service.

21. Contact

Questions about these Terms may be sent to:

Locke Development LLC
Operator of Locke Direct
Hamilton County, Tennessee
Email: support@lockedirect.com

Effective August 20, 2026. Last reviewed July 28, 2026.