Last Updated: October 20, 2025
These Terms of Service (“Terms”) constitute a binding agreement between you and HIBIST LLC (“HIBIST LLC”, “we”, “us”, or “our”) governing your access to and use of our platform and services, known as Anchor Pact (the “Service”). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
You must be at least 18 years old (or the age of majority in your jurisdiction) and have the legal capacity to enter into agreements to use the Service. You represent that your use complies with applicable laws and that you are not barred from using the Service under any law or sanction list.
To promote trust and safety, we may request information and signals for identity verification and fraud prevention and may use third‑party providers. You consent to our processing of such information consistent with our Privacy Policy.
Anchor Pact is a third-party platform that facilitates trust and provides proof of a transaction record. HIBIST LLC is not a party to any transaction, agreement, or dispute between users.
We provide tools for parties to document in‑person transactions, which may include recordings, negotiations, and digital signatures that form a final agreement between users . As a critical security measure to verify physical presence, you agree to the 'cross-device' signature process, wherein the Seller must provide their signature on the Buyer's device, and the Buyer must provide their signature on the Seller's device. You agree to facilitate this exchange for the sole purpose of capturing signatures within the Service.
We do not guarantee item quality, legality, user behavior, or the successful completion of any transaction. If something goes wrong with a transaction, the parties must resolve the problem directly with each other. HIBIST LLC is not liable for any issues arising from the physical exchange of devices, the transaction itself, or any disputes between users.
You retain ownership of content you submit and grant HIBIST LLC a non‑exclusive, worldwide, royalty‑free license to host, store, process, transmit, and display such content as necessary to operate and improve the Service, enforce these Terms, and comply with law. You represent you have rights to submit the content you provide.
The Service, including software, designs, and trademarks, is owned by or licensed to HIBIST LLC and protected by intellectual property laws. Except for the limited rights expressly granted, no license is granted to you.
The Service may integrate with third‑party services (e.g., payment and identity verification). Those services are governed by their own terms and policies. We are not responsible for third‑party services.
Our processing of personal information is described in our Privacy Policy. By using the Service, you acknowledge that you have read and understand the Privacy Policy.
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, HIBIST LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON‑INFRINGEMENT.
WE MAKE NO PROMISES OR GUARANTEES ABOUT THE SERVICE. We do not guarantee uninterrupted or error‑free operation, that content will be accurate or reliable, or that the Service will meet your requirements. Your use of the Service is at your own sole risk.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, HIBIST LLC WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ALL CLAIMS IN ANY 12‑MONTH PERIOD WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO HIBIST LLC FOR THE SERVICE GIVING RISE TO THE CLAIM DURING THAT PERIOD, OR (B) USD $100. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
You agree to defend, indemnify, and hold harmless HIBIST LLC and our affiliates, officers, employees, and agents from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from your use of the Service or violation of these Terms or applicable law.
We may suspend or terminate access to the Service at any time for any reason, including violations of these Terms. Upon termination, the rights and licenses granted to you will cease. Sections that by their nature should survive termination will survive (e.g., IP, disclaimers, limitations of liability, indemnity).
Transactions between users are governed by the laws of the U.S. state and county where the in-person exchange or completion of payment occurs. For any disputes arising solely from use of the Anchor Pact platform itself, these Terms are governed by the laws of the State of Iowa, USA, with exclusive venue in the city and county of Cedar Rapids, Iowa.
We may modify the Service or these Terms from time to time. If we make material changes, we will update the “Last Updated” date and, where appropriate, provide additional notice. Continued use of the Service after changes become effective constitutes acceptance of the changes.
By using the Service, you consent to receive communications related to your use (e.g., transactional emails). You may manage marketing preferences through available settings or as described in those communications.
Questions about these Terms? Contact us via the Contact page and include “Terms of Service” in your message.