Terms of Service

1. Acceptance and Parties

These Terms of Service (the "Terms") form a binding agreement between you ("you", "your", or "Member" once admitted) and Lattot ("Lattot", "we", "us", "our"), the operator of lattot.com and the household-resilience service made available through it (the "Service").

By accessing, browsing, registering for, applying to, paying for, or otherwise using the Service, you agree to be bound by these Terms, the Privacy Policy and any policy expressly incorporated by reference. If you do not agree, do not use the Service.

Lattot is in the process of formal corporate registration. Upon completion, the trading entity, registered office and company number will be added to this section and to the Privacy Policy.

2. Definitions

• Service — the lattot.com website, the Readiness Assessment, the Field Brief, the Founding 100 cohort, the Members Portal, communications from us, and any related output, document, or framework we make available to you.
• Content — text, frameworks, protocols, audits, scenarios, checklists, templates, images, audio, video and any other material delivered through the Service.
• Member — a person admitted to a Lattot cohort (Founding 100 or subsequent) following acceptance of an application and payment of the applicable fee.
• Membership — the rights and access granted to a Member for the membership term.
• User Content — information, answers, files, communications and feedback you submit through the Service.
• Specialist Network — independent third-party professionals (lawyers, security consultants, insurers, accountants, medical or other specialists) referred or coordinated through Lattot.
• Force Majeure Event — as defined in Section 19.
• Applicable Law — the laws and regulations applicable to you and to us in respect of the Service.

3. Service Description

The Service includes, depending on what you have subscribed to or been admitted to:

• Educational content — articles, frameworks, the Field Brief, and the Readiness Assessment, available without charge.
• Founding 100 membership — a paid, by-application annual programme covering the Lattot five-layer protocol (continuity, mobility, physical resilience, digital resilience, governance), monthly office hours, a quarterly review, an onboarding audit, and access to a private member layer.
• Coordination of independent specialists — referral and coordination of independent third-party professionals through the Specialist Network. Those professionals are separate businesses with their own engagement terms.
• Communications — newsletters and member communications you opt in to.

Lattot reserves the right to add, modify, or discontinue features of the Service from time to time, subject to its refund and consumer-rights obligations under these Terms.

4. Eligibility

• You must be at least eighteen (18) years of age (or the higher age of majority in your jurisdiction) and have the legal capacity to enter into a contract.
• You must not be a resident of, or located in, any country subject to comprehensive sanctions by the United States, the European Union, the United Kingdom or the United Nations, or be on any restricted-party list.
• You must not be barred from receiving services under Applicable Law.
• The Service is designed for household principals — typically the adult decision-makers responsible for a household's continuity and resilience.

5. Accounts and Membership

5.1 Application

Membership in Founding 100 (and any successor cohort) is by application. We review applications at our reasonable discretion and may decline an application without giving detailed reasons, except where local law requires otherwise.

5.2 Account security

You are responsible for safeguarding any login credentials issued to you. You must promptly notify us at security@lattot.com of any unauthorised access. You are responsible for activity that occurs under your account unless and until you notify us of compromise.

5.3 Truthfulness

You agree that all information you submit (including identity, residence and financial-bracket information) is accurate. We rely on the truthfulness of your statements; material misrepresentation is grounds for termination without refund (subject to mandatory consumer protections).

5.4 Membership term

Unless stated otherwise, membership is offered for an annual term beginning on the membership start date. Renewal is by mutual agreement; we do not auto-renew without prior written notice and your express renewal step.

6. Fees, Payment and Taxes

• Current pricing is published on the Pricing page. The price applicable to your membership is the price stated in the offer letter you accepted.
• Fees are payable in the currency stated in your offer letter. We may use a third-party payment processor (e.g., Stripe, Wise, GoCardless) — payment card data is processed by the processor under PCI-DSS and never stored by Lattot.
• All fees are exclusive of value added tax (VAT), goods and services tax (GST), sales tax and other similar taxes, which will be added at the applicable rate where required by law and shown on your invoice.
• Where you are required to deduct withholding tax under Applicable Law, you must provide the relevant certificate; the net amount payable to Lattot must equal the agreed fee unless mandatory law provides otherwise.
• Late payment of any invoice past its due date accrues interest at the rate of two per cent (2%) per month or the maximum lawful rate, whichever is lower.

7. Refunds and Cancellation

Sixty-day pro-rata refund. If you decide Lattot is not for you within sixty (60) days of your membership start date, you may cancel for any reason and receive a pro-rata refund of fees paid for the unused portion of the year, net of:

• any irreversible third-party costs we have already incurred on your behalf (which we will itemise on request), and
• any non-refundable taxes already paid to government authorities (where we cannot recover them).

After the 60-day window, the annual fee is non-refundable except where Applicable Law requires otherwise.

To cancel, send a clear written statement to hello@lattot.com. We will acknowledge within five (5) business days and refund within fourteen (14) days of cancellation taking effect, using the same payment method.

8. EU / UK / Quebec Cooling-Off Right (Where Applicable)

If you are a consumer resident in the EU or UK, you have an unconditional statutory right to withdraw from the contract within fourteen (14) days of the contract date, without giving any reason (Consumer Rights Directive 2011/83/EU; UK Consumer Contracts Regulations 2013).

If you are a consumer in Quebec, you have an analogous statutory right under the Quebec Consumer Protection Act, applying for ten (10) days from the contract date or the longer statutory period where applicable.

To exercise the cooling-off right, send a clear written statement to hello@lattot.com. We will reimburse all payments received from you within fourteen (14) days of being informed.

If, with your express prior consent, the Service has begun to be performed during the cooling-off period, you may be required to pay a pro-rata amount for the part of the Service performed up to the point of withdrawal.

9. Acceptable Use

You agree not to:

• copy, redistribute, publish or commercially exploit Content outside your own household;
• resell, sublicense, white-label or rebrand the Service;
• scrape, crawl, mirror or systematically extract Content using automated means;
• reverse-engineer or attempt to derive source from the Service;
• use the Service for unlawful, fraudulent or harmful purposes;
• interfere with or disrupt the Service or any other user's enjoyment of it;
• impersonate another person, advisor, member or specialist;
• upload malware or use the Service to transmit malicious code;
• use the Service in a manner that could expose Lattot to regulatory liability — including offering regulated financial, legal, medical or security advice in our name without authorisation;
• use the Service in any way that violates export-control, sanctions or anti-bribery laws.

10. User Content and Licence to Lattot

You retain all ownership in the User Content you submit. By submitting User Content (answers, applications, household information, audit responses, feedback) you grant Lattot a worldwide, royalty-free, non-exclusive, sub-licensable licence to use, host, copy, transmit, store and adapt that Content solely for the purposes of operating, securing and improving the Service for you and for the limited purposes set out in the Privacy Policy.

We will not use your User Content for marketing, public case studies, or third-party publications without your specific prior consent. Where we publish anonymised member cases (e.g., Lattot Cases), we follow a documented 3-stage anonymisation procedure and obtain your written consent before publication.

You represent and warrant that you have the right to grant this licence and that your User Content does not infringe any third party's rights.

11. Lattot Intellectual Property and Licence to You

The Service — including the Lattot name, mark, logo, the five-layer protocol design, the Readiness Assessment, the Founding 100 framework, the Field Brief content, and all related documentation — is and remains the property of Lattot and its licensors, protected by copyright, trademark, trade-secret and other intellectual-property laws.

Subject to your compliance with these Terms and payment of any applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Service and the Content for your own household's personal, non-commercial planning purposes only. You may share Content within your household but not externally.

Nothing in these Terms transfers ownership of any intellectual-property right to you. All rights not expressly granted are reserved.

12. Confidentiality

Each party may receive non-public information from the other in connection with the Service. The receiving party agrees:

• to use the information only for the purposes of the Service;
• to protect it with the same degree of care it uses for its own confidential information (and at least reasonable care);
• not to disclose it to any third party except (i) employees, contractors, or professional advisors who need to know and are bound by confidentiality, or (ii) where required by law, court order or regulator.

Member household information shared with Lattot is treated as confidential of the highest order. Lattot personnel sign individual confidentiality undertakings. Confidentiality obligations survive termination indefinitely for trade secrets and for five (5) years for other confidential information.

13. Third-Party Services and Specialist Network

The Service references and coordinates with independent third-party professionals through the Specialist Network and may link to third-party websites. Those professionals and websites are independent of Lattot; they have their own engagement terms, fees, professional indemnity and licensing.

Lattot is not a party to any contract you enter with a Specialist, does not earn referral commissions from Specialists in our network (we are paid by you, not by them), and is not responsible for the acts, omissions or advice of any Specialist. Where we recommend a Specialist, the recommendation is based on our reasonable judgment but is not a warranty of fitness or outcome.

14. Disclaimers — "AS IS"

To the maximum extent permitted by law, the Service, the Content, and all output of Lattot are provided "AS IS" and "AS AVAILABLE", without warranty of any kind, whether express, implied, statutory or otherwise.

We expressly disclaim all warranties, including implied warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, quiet enjoyment, system integration and freedom from harmful components — to the maximum extent permitted by Applicable Law.

We do not warrant that the Service will be uninterrupted, error-free, or secure against all threats. We do not warrant that any plan, protocol, or framework will prevent harm, loss, injury, or death — preparedness reduces risk but does not eliminate it.

Nothing in this Section limits or excludes warranties or liabilities that cannot be limited or excluded under your local consumer law (see Section 23).

15. Limitation of Liability

To the maximum extent permitted by law:

• Lattot is not liable for any indirect, incidental, consequential, special, exemplary, or punitive damages — including loss of profit, revenue, business, data, opportunity, goodwill, or anticipated savings — arising out of or in connection with the Service, even if Lattot has been advised of the possibility of such damages.
• Lattot's aggregate liability to you for any claim arising under or in connection with these Terms or the Service is limited to the greater of: (a) the fees you have paid to Lattot in the twelve (12) months preceding the event giving rise to the claim; or (b) one thousand US dollars (USD 1,000).
• The above limitations apply regardless of the legal theory (contract, tort, statute, equity, strict liability or otherwise).

Mandatory carve-outs. Nothing in these Terms limits or excludes liability for: (i) death or personal injury caused by Lattot's negligence; (ii) fraud or fraudulent misrepresentation; (iii) any liability that cannot be limited or excluded under Applicable Law (including non-waivable consumer rights — Section 23).

16. Indemnification

You agree to indemnify, defend and hold Lattot, its directors, officers, employees, contractors and partners harmless from any claim, loss, damage, liability, cost and expense (including reasonable legal fees) arising from: (a) your breach of these Terms; (b) your violation of any law or third-party right; (c) any User Content you submit; or (d) your misuse of the Service.

This obligation does not apply where prohibited by Applicable Law (for example, where a consumer-protection statute does not allow indemnification of a business by a consumer).

17. Term and Termination

These Terms apply for the duration of your use of the Service and any Membership term, and survive termination as set out in Section 29.

You may terminate Membership at any time on written notice; the refund rules in Sections 7 and 8 apply.

Lattot may terminate or suspend your access immediately, with notice where reasonably possible, if:

• you materially breach these Terms and the breach is not cured within fourteen (14) days of notice (where curable);
• you violate Section 9 (Acceptable Use);
• you provide materially false information in your application;
• continued provision of the Service to you would expose Lattot to legal, regulatory or reputational risk;
• required by court order or regulator;
• you become subject to sanctions or a restricted-party listing.

On termination, your right to access the Service ends. Sections that by their nature should survive (IP, confidentiality, disclaimers, liability, indemnification, dispute resolution, governing law) survive.

18. Suspension

We may suspend access without prior notice where reasonably necessary to address: (a) a security incident; (b) suspected fraud, abuse or unlawful activity; (c) a court or regulator order; or (d) a serious operational issue. We will restore access promptly once the cause is resolved. Suspension does not, by itself, extend or shorten your Membership term, but we will pro-rata the term if suspension exceeds fourteen (14) days through no fault of yours.

19. Force Majeure

Neither party is liable for any failure or delay in performance caused by events beyond its reasonable control, including: natural disasters, earthquakes, floods, fires, severe weather, pandemics or public-health emergencies, war, armed conflict, terrorism, civil unrest, government action, embargoes, sanctions, telecommunications or power outages, internet failures, cyber attacks, and labour disputes (each a "Force Majeure Event"). The affected party must promptly notify the other and use reasonable efforts to mitigate. Payment obligations already incurred are not excused.

20. Governing Law

These Terms and any dispute arising out of or in connection with them are governed by the laws of the jurisdiction in which Lattot is formally incorporated. Pending completion of incorporation (Section 1), the laws of England and Wales apply on an interim basis, without prejudice to your mandatory rights under your local consumer law (Section 23).

Upon completion of corporate registration, this Section will be amended to reflect the law of the seat of incorporation, and existing Members will be notified at least thirty (30) days in advance.

21. Dispute Resolution and Arbitration

Step 1 — Informal resolution. Before formal proceedings, the parties agree to attempt resolution in good faith for thirty (30) days through written communication directed to hello@lattot.com with the subject "Notice of Dispute".

Step 2 — Mediation. If unresolved, the parties agree to attempt mediation under the rules of a recognised mediator (e.g., CEDR for UK/EU, AAA for US, SIAC for Asia) before commencing arbitration or court proceedings, unless prohibited by Applicable Law.

Step 3 — Binding arbitration. If mediation fails, any remaining dispute is finally resolved by binding arbitration under the rules of the London Court of International Arbitration (LCIA), or such other recognised arbitral institution as the parties agree, in English, by a single arbitrator, seated in London. Judgment may be entered in any court of competent jurisdiction.

Consumer carve-out. Nothing in this Section requires a consumer to arbitrate where mandatory consumer law in the consumer's place of residence provides a non-waivable right to access local courts or a public consumer-protection forum. EU/UK/Quebec/Australian/Brazilian/Indian consumers retain that right notwithstanding any wording here.

Injunctive relief. Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect intellectual property, confidential information, or to enforce arbitration awards.

22. Class-Action Waiver (Where Lawful)

Where permitted by Applicable Law, you and Lattot agree that disputes will be resolved on an individual basis only and not as a class, collective, consolidated or representative action.

This waiver does not apply where it would be invalid or unenforceable under Applicable Law — including in jurisdictions whose consumer-protection laws prohibit class-action waivers (e.g., many EU member states, the UK in defined circumstances, Quebec, parts of Australia, and certain US states). In those jurisdictions, you retain your statutory rights in full.

23. Mandatory Consumer Rights

If Applicable Law gives you, as a consumer, rights that cannot be excluded or limited by contract — including under:

• EU Consumer Rights Directive 2011/83/EU, Unfair Terms Directive 93/13/EEC, Digital Content Directive 2019/770;
• UK Consumer Rights Act 2015, UK Consumer Contracts Regulations 2013;
• California consumer-protection statutes;
• Quebec Consumer Protection Act / Loi sur la protection du consommateur;
• Brazilian Consumer Defence Code (CDC, Law 8.078/1990);
• Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010);
• Singapore Consumer Protection (Fair Trading) Act 2003 (CPFTA);
• Japan Consumer Contract Act;
• UAE Federal Law on Consumer Protection No. 15 of 2020;
• Saudi Arabia consumer-protection provisions of the Commerce Ministry;
• India Consumer Protection Act 2019;
• South African Consumer Protection Act 68 of 2008;
• Nigeria Federal Competition and Consumer Protection Act 2018;
• or any equivalent law in your jurisdiction,

then those rights apply to you in addition to (and prevail over) anything to the contrary in these Terms. Nothing in these Terms is intended to limit or exclude any non-waivable consumer right.

24. Jurisdiction-Specific Provisions

25. Export Controls and Sanctions

You agree to comply with all applicable export-control, re-export, and sanctions laws — including those of the United States (EAR / OFAC), the European Union, the United Kingdom, and the United Nations. You confirm you are not located in, and you will not access the Service from, any country subject to comprehensive sanctions, and that you are not on any restricted-party list (SDN, EU consolidated list, UK HMT, UN). If we discover that you are, we may suspend or terminate access without refund of any remaining fees, except where mandatory law provides otherwise.

26. Anti-Bribery and Anti-Money-Laundering

Each party will comply with all applicable anti-bribery and anti-corruption laws — including the US Foreign Corrupt Practices Act, the UK Bribery Act 2010, and the equivalent laws of the parties' jurisdictions. Neither party will offer or accept any improper benefit in connection with the Service. Lattot reserves the right to perform reasonable KYC/AML checks on Members and to decline or terminate Membership where checks reveal a credible risk of illicit-funds origin or sanctions exposure.

27. Notices

Notices to Lattot must be sent to hello@lattot.com with subject identifying the matter. Notices from us to you will be sent to the email address on your account. Legal notices may also be sent by physical mail once Lattot's registered office is published in Section 1. Notices are deemed received on the next business day after sending (email) or three (3) business days after posting (mail).

28. Assignment

You may not assign, sublicense or transfer your rights or obligations under these Terms without our prior written consent. Lattot may assign these Terms to a successor in interest in the context of a corporate transaction (merger, acquisition, restructuring, sale of substantially all assets) on notice to you and on terms no less favourable to you.

29. Severability and Survival

If any provision of these Terms is held invalid or unenforceable, the remainder remains in full force and effect. The invalid provision will be interpreted to give the closest lawful effect to the original intent. The following Sections survive termination: 7 (refunds), 10–12 (IP, confidentiality), 14–16 (disclaimers, liability, indemnification), 20–23 (governing law, disputes, consumer rights), 25–26 (export, anti-bribery), 27–32 (administrative).

30. Entire Agreement

These Terms, together with the Privacy Policy, the Cookie Policy, the Pricing page, any signed offer letter, and any document expressly incorporated by reference, constitute the entire agreement between you and Lattot regarding the Service and supersede all prior agreements, communications and representations.

31. Changes to These Terms

We may update these Terms from time to time. The current version is identified by date and version number at the top. For material changes we will give at least thirty (30) days' prior notice by email and by posting on the homepage. If you do not agree to the change, you may cancel and (if within the membership year) request a pro-rata refund under Section 7, even after the 60-day window has passed.

32. Contact

General	hello@lattot.com
Privacy / Data requests	privacy@lattot.com
Security incidents	security@lattot.com
Legal / Notice of Dispute	legal@lattot.com
Web	lattot.com/contact
Response window	48 business hours (standard) · 4 hours (member escalation channel)

If anything in these Terms is unclear, write to us. Where the wording can reasonably be improved, we will revise it and publish the new version.

© 2026 Lattot — All rights reserved · Terms of Service v2.0 · Issued 25 May 2026