Terms and Conditions

1. AGREEMENT TO TERMS

These Terms and Conditions ("Terms") constitute a legally binding agreement between you, whether personally or on behalf of an entity ("Customer," "you," or "your"), and CompRatio LLC, a Texas limited liability company ("CompRatio," "Company," "we," "us," or "our"), concerning your access to and use of the What It Pays™ platform, including any related websites, applications, tools, reports, and services (collectively, the "Platform").

By accessing or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy located at [Privacy Policy URL]. If you do not agree with any part of these Terms, you must immediately discontinue use of the Platform.

You represent and warrant that: (a) you are at least eighteen (18) years of age; (b) you have the legal capacity and authority to enter into these Terms; (c) if you are accepting these Terms on behalf of a company or other legal entity, you are authorized to bind that entity to these Terms; and (d) all information you provide in connection with your account is accurate, current, and complete.

2. PLATFORM DESCRIPTION AND PURPOSE

What It Pays™ is a compensation analytics and salary benchmarking platform designed to provide employers with salary benchmark data, compensation ratio analysis, pay equity insights, retention risk indicators, and compliance-oriented reporting tools.

What It Pays™ is a product and registered trademark of CompRatio LLC. The Platform operates under the What It Pays™ brand and all rights, title, and interest in the What It Pays™ name, mark, and associated branding are exclusively held by CompRatio LLC.

The Platform utilizes salary data sourced from the U.S. Bureau of Labor Statistics ("BLS") Occupational Employment and Wage Statistics ("OEWS") program, CompRatio's proprietary analysis and modeling, and aggregated anonymized data contributed by employers using the Platform.

BLS and OEWS data is published by the federal government on a periodic release schedule and is not real-time data. CompRatio does not control the timing, accuracy, or completeness of government-published data. Proprietary analysis and aggregated employer data are updated on an ongoing basis as the Platform grows.

The Platform is intended for use by employers and their authorized personnel for internal compensation decision-making, benchmarking, and compliance purposes. The Platform is not intended for use by any entity to provide compensation data, analytics, or reporting services to third-party entities.

3. NOT PROFESSIONAL ADVICE

The Platform and all data, reports, analyses, calculations, insights, and outputs provided through the Platform are for informational and reference purposes only. Nothing provided through the Platform constitutes legal advice, financial advice, human resources consulting, tax advice, or any other form of professional counsel.

CompRatio is not a law firm, financial advisory firm, accounting firm, or HR consulting firm. Use of the Platform does not create a professional-client relationship of any kind between CompRatio and the Customer.

All compensation decisions, employment actions, pay adjustments, hiring offers, compliance determinations, and any other actions taken by the Customer or its personnel based in whole or in part on Platform data or outputs are the sole responsibility of the Customer. CompRatio LLC, its officers, agents, employees, contractors, affiliates, and successors shall not be liable for any decisions, actions, or omissions made by the Customer or any third party based upon data, reports, or insights provided through the Platform.

Customers are strongly encouraged to consult qualified legal counsel, certified compensation professionals, and/or financial advisors before making material compensation or employment decisions.

4. ACCOUNTS AND ACCESS

4.1 Account Registration.

To access the Platform, you must create an account and provide accurate, complete, and current information. The individual who creates the account and executes payment ("Account Owner") is the primary point of contact and bears responsibility for all activity under the account, including the actions of any additional authorized users.

4.2 Account Security.

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must not share login credentials with any individual outside your organization. You must notify CompRatio immediately at support@whatitpays.com if you become aware of any unauthorized access to or use of your account.

4.3 Authorized Users.

Employer accounts may include multiple authorized users as permitted by the applicable subscription plan. The Account Owner is responsible for managing user access, ensuring each user complies with these Terms, and promptly removing access for any individual no longer authorized to use the Platform.

4.4 Account Accuracy.

You agree to keep all account information accurate and current. CompRatio reserves the right to suspend or terminate accounts that contain materially inaccurate information.

5. SUBSCRIPTION PLANS, PAYMENT, AND BILLING

5.1 Subscription Plans.

Access to the Platform is provided through paid subscription plans. Plan details, features, pricing, and employee count thresholds are as described at the time of purchase and are subject to change. CompRatio reserves the right to modify pricing, plan structures, and included features at any time. Changes to pricing will be communicated via email and will take effect at the next renewal cycle.

5.2 Payment Processing.

All payments are processed securely through Stripe, Inc. ("Stripe"). By subscribing to the Platform, you authorize CompRatio to charge your designated payment method through Stripe on a recurring basis in accordance with your selected plan and billing cycle. You agree to maintain a valid and active payment method on file at all times during your subscription.

5.3 Automated Billing.

Subscriptions renew automatically at the end of each billing cycle unless canceled prior to renewal. It is the Customer's responsibility to cancel before the renewal date to avoid being charged for the subsequent billing period.

5.4 Failed Payments and Grace Period.

If a scheduled payment fails, CompRatio will attempt to notify the Account Owner via email. A seven (7) day grace period will be provided to update payment information. If payment is not resolved within seven (7) days, the account will be suspended and placed in read-only mode with no access to new lookups, reports, or analytics. If payment remains unresolved for thirty (30) days following the original failed payment date, the account will be fully deactivated and subject to the data retention and deletion provisions in Section 8.

5.5 Refunds.

All fees are non-refundable except as required by applicable law or as expressly agreed in writing by CompRatio.

6. PERMITTED AND PROHIBITED USE

6.1 Permitted Use.

The Platform is licensed for use by the subscribing entity for its own internal compensation benchmarking, analytics, pay equity analysis, and compliance reporting purposes. Use is limited to the Customer's own workforce and operations.

6.2 Prohibited Conduct.

You agree that you will not, and will not permit any authorized user or third party to:

(a) Use the Platform to provide compensation data, analytics, benchmarking, or reporting services to any third-party entity, whether for compensation or otherwise;

(b) Scrape, crawl, spider, or use any automated means to extract data from the Platform without prior written consent from CompRatio;

(c) Resell, redistribute, sublicense, or commercially exploit any data, reports, analyses, or outputs obtained from the Platform;

(d) Use the Platform, its data, or its outputs to build, train, or improve any competing product or service;

(e) Share, transfer, or disclose login credentials to any individual outside the subscribing entity;

(f) Attempt to extract data in bulk through any method, whether manual or automated, beyond normal Platform use;

(g) Reverse engineer, decompile, disassemble, or attempt to derive the source code, algorithms, data models, or proprietary methodologies of the Platform;

(h) Send spam, unsolicited communications, or use the Platform for any purpose other than its intended compensation analytics functionality;

(i) Use the Platform in any manner that violates applicable local, state, national, or international law or regulation;

(j) Upload, transmit, or input any content that contains viruses, malware, trojan horses, ransomware, or any other malicious code or payload;

(k) Attempt SQL injection, cross-site scripting, input manipulation, or any form of code injection through any Platform input field, API endpoint, or interface;

(l) Attempt to bypass, circumvent, or test authentication mechanisms, row-level security policies, access controls, or any other security measure implemented on the Platform;

(m) Attempt to access, view, copy, or exfiltrate data belonging to any other customer or user of the Platform;

(n) Conduct or facilitate any denial-of-service attack, distributed denial-of-service attack, load-based attack, or any action intended to degrade, disrupt, or disable the Platform or its infrastructure;

(o) Access or attempt to access the Platform through any unauthorized API, automated bot, script, or agent without prior written authorization from CompRatio;

(p) Impersonate any person or entity, or falsely represent your affiliation with any person or entity.

6.3 Security Violation Consequences.

Any detected or suspected violation of Sections 6.2(j) through 6.2(p) will result in immediate account termination without refund. CompRatio reserves the right to refer any suspected criminal activity to appropriate law enforcement authorities and to pursue civil remedies to the fullest extent permitted by law.

6.4 Responsible Disclosure.

If you discover a security vulnerability in the Platform, you agree to report it privately and promptly to CompRatio at support@whatitpays.com and to refrain from exploiting, publicizing, or disclosing the vulnerability to any third party until CompRatio has had a reasonable opportunity to address it. CompRatio appreciates responsible disclosure and will work in good faith to address reported vulnerabilities.

7. INTELLECTUAL PROPERTY

7.1 CompRatio Intellectual Property.

The Platform, including but not limited to all software, code, algorithms, data models, proprietary analyses, user interfaces, designs, branding, trademarks, trade names, logos, reports, report templates, visualizations, and documentation, is and shall remain the exclusive intellectual property of CompRatio LLC. Nothing in these Terms transfers any ownership interest in any CompRatio intellectual property to the Customer.

7.2 Limited License.

Subject to your compliance with these Terms and payment of applicable fees, CompRatio grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform and its outputs solely for your internal business purposes as described in Section 6.1. This license does not include the right to sublicense, resell, or distribute any Platform outputs to third parties.

7.3 Customer Data Ownership.

As between CompRatio and the Customer, the Customer retains all ownership rights in the identifiable employee and compensation data it uploads or enters into the Platform ("Customer Data"). Customer Data does not include any anonymized or aggregated data derived from Customer Data.

7.4 License to Customer Data.

By uploading or entering data into the Platform, you grant CompRatio a non-exclusive, royalty-free, perpetual, irrevocable license to anonymize, aggregate, and use data derived from Customer Data for the purposes of platform improvement, benchmarking, analytics, reporting, research, and marketing materials. All such derived data will be fully anonymized such that no individual company, employee, or person is identifiable. This license survives termination of your account.

7.5 Feedback.

Any suggestions, ideas, feature requests, or feedback you provide to CompRatio regarding the Platform may be used by CompRatio without any obligation of compensation, attribution, or confidentiality.

8. DATA, PRIVACY, AND SECURITY

8.1 Data Security.

CompRatio implements commercially reasonable administrative, technical, and physical security measures to protect Customer Data, including encryption of sensitive compensation and personally identifiable data at rest and in transit, and row-level security policies that restrict data access to authorized users. CompRatio's security measures are described in further detail in our Privacy Policy at [Privacy Policy URL].

8.2 Data Anonymization and Aggregation.

CompRatio anonymizes and aggregates employer-contributed data to enhance Platform benchmarking, analytics, and reporting. Anonymized and aggregated data is processed such that no individual company, employee, or person can be identified. Anonymized and aggregated data is the property of CompRatio and is not subject to deletion requests.

8.3 Data Retention and Deletion.

Upon account termination, whether voluntary or involuntary, the Customer may request export of their identifiable Customer Data by submitting a written request to support@whatitpays.com within thirty (30) days of account termination. Upon receipt of a valid written request, CompRatio will provide a CSV export of the Customer's identifiable employee and compensation data within a commercially reasonable timeframe. Following the expiration of the thirty (30) day request window, or upon completion of a requested data export, CompRatio will permanently delete identifiable Customer Data on CompRatio's timeline and in accordance with CompRatio's internal data management procedures. Anonymized and aggregated data derived from Customer Data will not be deleted as it is no longer attributable to the Customer.

8.4 Third-Party Services.

The Platform utilizes third-party service providers including but not limited to Supabase (database and backend infrastructure), Stripe (payment processing), and Postmark (transactional email). Your use of the Platform is also subject to the terms and privacy policies of these third-party providers. CompRatio is not responsible for the acts or omissions of third-party service providers.

8.5 Privacy Policy.

Our collection, use, and protection of personal information is governed by our Privacy Policy at [Privacy Policy URL], which is incorporated into these Terms by reference.

9. EMAIL COMMUNICATIONS

By creating an account, you consent to receive transactional emails from CompRatio related to your account, billing, subscription status, Platform updates, maintenance notifications, and security alerts. You may also receive periodic product-related communications. You may opt out of non-essential communications at any time, but you may not opt out of transactional emails that are necessary for the operation and security of your account.

10. DISCLAIMER OF WARRANTIES

THE PLATFORM AND ALL DATA, REPORTS, ANALYSES, OUTPUTS, AND SERVICES PROVIDED THROUGH THE PLATFORM ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. COMPRATIO EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, RELIABILITY, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

COMPRATIO DOES NOT WARRANT THAT: (A) THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS; (B) ANY DATA OR OUTPUT PROVIDED THROUGH THE PLATFORM IS ACCURATE, COMPLETE, CURRENT, OR RELIABLE; (C) THE PLATFORM WILL MEET YOUR SPECIFIC REQUIREMENTS OR EXPECTATIONS; OR (D) ANY ERRORS IN THE PLATFORM WILL BE CORRECTED.

COMPRATIO PROVIDES THE PLATFORM ON A COMMERCIALLY REASONABLE EFFORTS BASIS AND DOES NOT GUARANTEE ANY SPECIFIC UPTIME PERCENTAGE OR AVAILABILITY. COMPRATIO WILL MAKE REASONABLE EFFORTS TO COMMUNICATE KNOWN OUTAGES AND SCHEDULED MAINTENANCE WINDOWS BUT SHALL NOT BE LIABLE FOR ANY DOWNTIME OR SERVICE INTERRUPTION.

BLS AND OEWS DATA IS PUBLISHED BY THE U.S. GOVERNMENT ON A PERIODIC SCHEDULE AND IS NOT REAL-TIME DATA. COMPRATIO DOES NOT GUARANTEE THE ACCURACY, TIMELINESS, OR COMPLETENESS OF GOVERNMENT-SOURCED DATA.

11. LIMITATION OF LIABILITY

11.1 Limitation.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL COMPRATIO LLC, ITS OFFICERS, AGENTS, EMPLOYEES, CONTRACTORS, AFFILIATES, OR SUCCESSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA, GOODWILL, BUSINESS OPPORTUNITY, OR ANY OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE PLATFORM, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE), EVEN IF COMPRATIO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11.2 Liability Cap.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, COMPRATIO'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE PLATFORM SHALL NOT EXCEED THE TOTAL AMOUNT OF FEES ACTUALLY PAID BY YOU TO COMPRATIO IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

11.3 Errors and Omissions.

CompRatio exercises commercially reasonable care in the development and maintenance of the Platform and its proprietary analyses. However, CompRatio does not guarantee that the Platform, its data, or its outputs are free from errors, omissions, or inaccuracies. The Customer acknowledges that compensation data and analytics involve inherent limitations and that the Platform is a decision-support tool, not a substitute for professional judgment. CompRatio shall not be liable for any errors or omissions in Platform data or outputs.

12. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless CompRatio LLC, its officers, agents, employees, contractors, affiliates, and successors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Platform; (b) any decisions, actions, or omissions taken by you or your authorized users based on Platform data or outputs; (c) your violation of these Terms; (d) your violation of any applicable law or regulation; (e) any unauthorized access to or use of the Platform facilitated by your failure to maintain account security; or (f) any claim by a third party arising from your use of Platform data or outputs.

13. DISPUTE RESOLUTION AND GOVERNING LAW

13.1 Governing Law.

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.

13.2 Mandatory Arbitration.

Any dispute, controversy, or claim arising out of or relating to these Terms or the Platform brought by the Customer shall be resolved exclusively through binding arbitration administered in accordance with the rules of the American Arbitration Association ("AAA"). Arbitration shall be conducted in the State of Texas. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. The Customer waives any right to participate in a class action, class arbitration, or any other representative proceeding.

13.3 Exceptions to Arbitration.

Notwithstanding Section 13.2, CompRatio reserves the right to seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property rights, enforce confidentiality obligations, or address any actual or threatened security violations. CompRatio further reserves the right to pursue civil action or criminal referral for any conduct involving unauthorized access, data theft, intellectual property infringement, fraud, or any other conduct that CompRatio reasonably believes constitutes a violation of applicable law.

13.4 Venue.

For any matters not subject to arbitration under Section 13.2, or for any proceedings initiated by CompRatio under Section 13.3, exclusive jurisdiction and venue shall lie in the state and federal courts located in the State of Texas, and you consent to the personal jurisdiction of such courts.

14. FORCE MAJEURE

CompRatio shall not be liable for any failure or delay in the performance of its obligations under these Terms to the extent such failure or delay results from circumstances beyond CompRatio's reasonable control, including but not limited to acts of God, natural disasters, fire, flood, pandemic, epidemic, war, terrorism, civil unrest, government actions or orders, power outages, internet service disruptions, failures of third-party service providers (including but not limited to Supabase, Stripe, cloud hosting providers, and BLS data availability), cyberattacks directed at CompRatio's infrastructure, and labor disputes.

15. MODIFICATIONS TO TERMS

CompRatio reserves the right to modify, update, or replace these Terms at any time. Changes will be communicated to the Account Owner via email to the address on file. Continued use of the Platform following notification of changes constitutes acceptance of the modified Terms. If you do not agree with any modification, your sole remedy is to discontinue use of the Platform and cancel your subscription.

16. TERMINATION

16.1 Termination by Customer.

You may cancel your subscription at any time by contacting support@whatitpays.com. Cancellation will take effect at the end of the current billing cycle. No refunds will be issued for partial billing periods.

16.2 Termination by CompRatio.

CompRatio reserves the right to suspend or terminate your account at any time, with or without cause, with or without notice. In cases of suspected Terms violations, security violations, or illegal activity, termination may be immediate and without refund. CompRatio will make reasonable efforts to provide notice and explanation where circumstances permit.

16.3 Effect of Termination.

Upon termination, your right to access the Platform ceases immediately. Sections 3, 7, 8, 10, 11, 12, 13, and 17 shall survive termination of these Terms.

17. GENERAL PROVISIONS

17.1 Entire Agreement.

These Terms, together with the Privacy Policy and any applicable subscription agreement, constitute the entire agreement between you and CompRatio regarding the Platform and supersede all prior agreements, representations, and understandings.

17.2 Severability.

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

17.3 Waiver.

CompRatio's failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.

17.4 Assignment.

You may not assign or transfer these Terms or your account without CompRatio's prior written consent. CompRatio may assign these Terms without restriction.

17.5 Contact.

For questions regarding these Terms, contact CompRatio LLC at support@whatitpays.com.

Questions about these terms? Contact us at support@whatitpays.com