CS Audit — Terms of Service

Version 1.0 · Effective March 3, 2026

1. Service Description

1.1 What CS Audit Does

CS Audit is an administrative compliance audit tool. It cross-references child support agency records, court orders, payment histories, and enforcement actions against published state guidelines, federal regulations, and statutory requirements. The Service generates Fact-Based Specialty Reports ("Audit Reports") that identify:

• Calculation errors in support obligations
• Inconsistencies between court orders and enforcement actions
• Guideline deviations without documented justification
• Procedural compliance issues with state and federal requirements
• Payment processing and distribution discrepancies

1.2 What CS Audit Does NOT Do

CS Audit does not:

• Provide legal advice, legal representation, or legal strategy
• Report on, profile, or evaluate other individuals — including the other parent in a case
• Draft court filings, motions, or legal documents
• Recommend specific legal actions
• Interpret law or predict case outcomes
• Replace the need for a licensed attorney
• Guarantee any particular legal or financial result

1.3 Audit Reports

Every Audit Report generated by CS Audit carries the following header:

"This document is a Fact-Based Specialty Report prepared under 15 U.S.C. § 1681a(f). It audits the accuracy of data furnished by child support enforcement agencies and is not a substitute for legal advice."

Audit Reports are intended for review by the account holder and their licensed attorney. You may share Audit Reports with your attorney, the court, or the child support agency at your discretion.

2. FCRA Compliance

2.1 Specialty Consumer Reporting Agency

CS Audit operates as a Specialty Consumer Reporting Agency under the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.). Audit Reports constitute "consumer reports" as defined in 15 U.S.C. § 1681a(d), limited to the specific purpose of auditing the accuracy of child support agency records.

2.2 Your FCRA Rights

Under the FCRA, you have the right to:

• Access all information in your file
• Dispute inaccurate information
• Request correction or deletion of inaccurate data
• Know who has accessed your report
• Consent before reports are provided to third parties
• Sue for damages if your FCRA rights are violated (15 U.S.C. § 1681n and § 1681o)

2.3 Permissible Purpose

Audit Reports are generated solely at the request of the consumer (you) for the purpose of reviewing the accuracy of your own child support records. We do not furnish Audit Reports to employers, landlords, creditors, or any third party without your explicit written authorization.

2.4 Dispute Resolution

If you believe any information in an Audit Report is inaccurate, you may file a dispute by contacting us at support@adamnlynn.com. We will investigate the dispute within 30 days as required by 15 U.S.C. § 1681i.

3. Accounts & Eligibility

3.1 Age Requirement

You must be at least 18 years old to use CS Audit. We do not knowingly collect, process, or store data about children under 13 (COPPA compliance) or minors under 18.

3.2 Account Creation

To use CS Audit, you must create an account with accurate and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.

3.3 One Case Per Account

Each CS Audit account corresponds to one child support case. If you have multiple cases, you may create separate accounts for each. You may only audit cases in which you are a named party (obligor or obligee).

3.4 Account Termination

You may delete your account at any time. Upon deletion, we will destroy your encrypted data within 30 days unless retention is required by law. We may suspend or terminate your account if you violate these Terms.

4. Data & Privacy

4.1 What We Collect

CS Audit processes the following categories of data that you provide:

• Court orders and modifications
• Payment histories and ledgers from child support agencies
• Enforcement actions (wage garnishment orders, license suspension notices, contempt filings)
• Income documentation (for guideline recalculation verification)
• Agency correspondence

4.2 Encryption

All documents uploaded to CS Audit are encrypted using AES-256-GCM with per-company encryption keys. Documents are encrypted before storage and can only be decrypted by your account. We cannot access the content of your uploaded documents.

4.3 No Reporting on Other Individuals

CS Audit does not collect, store, or report information about the other parent, their finances, their behavior, or their personal life. Audit Reports focus exclusively on agency records, agency procedures, and agency compliance with published guidelines.

4.4 Data Retention

Your data is retained for the duration of your active account. Upon account deletion, all encrypted documents and audit data are permanently destroyed within 30 days. Anonymized, aggregated statistical data (e.g., error rates by state) may be retained indefinitely.

4.5 Children's Data

CS Audit processes parent-to-agency interactions and administrative records. If uploaded documents contain information about minors, that information is encrypted and accessible only to the account holder and their designated attorney. We do not extract, index, or process data about minors.

5. Subscription & Payment

5.1 Pricing

CS Audit offers the following subscription tiers:

• Standard: $9/month — Full audit engine, court-ready reports, document upload, state guideline analysis
• Pay What You Can: $1–$9/month — Same features as Standard, available for those experiencing financial hardship
• Attorney Portal: $149/month — Multi-client management, bulk audit processing, case notes, direct report sharing

5.2 Billing

Subscriptions are billed monthly. You may cancel at any time. Cancellation takes effect at the end of the current billing period. No prorated refunds for partial months.

5.3 Price Changes

We may change pricing with 30 days' notice. Price changes do not apply to the current billing period.

6. Unauthorized Practice of Law (UPL) Disclaimer

CS Audit is a data audit tool, not a legal service. The Service does not engage in the practice of law as defined by any state bar association. Specifically:

• Audit Reports identify factual discrepancies in agency records — they do not advise you on what to do about those discrepancies
• Guideline recalculation comparisons show how your state's published formula would apply to documented income — they do not constitute a legal opinion on what your obligation should be
• Enforcement compliance checks compare agency actions to statutory requirements — they do not constitute legal judgment about the legality of those actions

If you believe you need legal advice or representation, consult a licensed attorney in your jurisdiction.

7. Intellectual Property

7.1 Our IP

CS Audit, Coen 1™, and all related branding, software, audit methodologies, and report templates are the intellectual property of Adam & Lynn Incorporated. You may not copy, modify, reverse-engineer, or create derivative works based on the Service.

7.2 Your Data

You retain ownership of all documents and data you upload to CS Audit. By uploading data, you grant us a limited license to process that data solely for the purpose of generating your Audit Reports.

8. Limitation of Liability

8.1 No Guarantee of Results

CS Audit does not guarantee any legal, financial, or administrative outcome. Audit Reports are informational tools that identify potential issues in agency records. Whether and how to act on those findings is your decision, ideally made with the guidance of a licensed attorney.

8.2 Maximum Liability

To the maximum extent permitted by law, the Company's total liability for any claim arising from your use of CS Audit is limited to the amount you have paid for the Service in the 12 months preceding the claim.

8.3 No Consequential Damages

The Company is not liable for any indirect, incidental, special, consequential, or punitive damages, including loss of income, loss of custody rights, or adverse court outcomes, arising from your use of the Service.

8.4 Indemnification

You agree to indemnify, defend, and hold harmless Adam & Lynn Incorporated, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with: (a) your use of the Service; (b) your violation of these Terms; (c) your misuse of Audit Reports, including any use that constitutes the unauthorized practice of law; or (d) any third-party claim arising from your sharing of Audit Reports.

9. Dispute Resolution

9.1 Informal Resolution

Before filing a formal dispute, you agree to contact us at support@adamnlynn.com and attempt to resolve the dispute informally for at least 30 days.

9.2 Binding Arbitration

If informal resolution fails, any dispute arising from these Terms or the Service will be resolved through binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. Arbitration will take place in Delaware or remotely at your election.

9.3 Arbitration Opt-Out

You may opt out of binding arbitration within 30 days of first agreeing to these Terms by sending written notice to support@adamnlynn.com with the subject line "Arbitration Opt-Out."

9.4 Class Action Waiver

You agree that any dispute resolution will be conducted on an individual basis and not as a class, consolidated, or representative action.

10. General Provisions

10.1 Governing Law

These Terms are governed by the laws of the State of Delaware without regard to conflict of law principles.

10.2 Amendments

We may update these Terms at any time. We will notify you of material changes via email or in-app notification at least 30 days before the changes take effect. Continued use of the Service after the effective date of updated Terms constitutes acceptance.

10.3 Severability

If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect.

10.4 Entire Agreement

These Terms, together with the general Adam & Lynn Incorporated Terms of Service and the CS Audit Privacy Policy, constitute the entire agreement between you and the Company regarding the CS Audit Service.

10.5 Contact

Adam & Lynn Incorporated
131 Continental Dr, Suite 305
Newark, Delaware 19713

Email: support@adamnlynn.com