Discover ai marketing automation tools with Carpfish Creative. Enhance business efficiency with tailored AI solutions today! Transform your Business with Next-Generation AI B uilt for Real Results If we were able to give you, the business owner, 8 hours back each week of the most valuable thing..... Your time. That's a full workday to choose between your business, your family, and your hobbies. That's what our core belief in AI technology is, not replacing humans, but unlocking their potential. We use the most advanced AI tools available today—combining real-world business intelligence with cutting-edge machine learning. Our partnership with PerplexityAI ensures that every solution integrates the latest in conversational search, reasoning, and AI optimization. From cannabis businesses to enterprise organizations, we help you innovate faster, operate smarter, and grow sustainably through intelligent technology. Intelligent Document Creation Accelerate productivity with intelligent document automation. From detailed business proposals and reports to compliance filings, training manuals, and cannabis regulatory submissions—we streamline structured writing and content generation using powerful, context-trained AI systems that understand your industry language. Data research and project guidance, assisting with document creation, and creating internal and virtual company handbooks in minutes. Customized AI for customer service needs by providing specific instructions, uploading relevant documents, and setting the desired conversational tone for your customer base. The GPT then interacts to evaluate and adjust its responses. Our marketing bots then target the best utilization for your specific brand niche to advertise on each of the major social platforms (best times, type of format, etc.) Custom GPT Development We create custom GPTs tailored to specific industries and business needs—from state-regulated markets like Minnesota Cannabis to advanced corporate compliance systems. Whether you need a conversational assistant, internal workflow automation tool, or highly specialized knowledge model, our team designs AI that aligns perfectly with your vision and brand voice. Have Needs? We should Talk > From looking to get into the cannabis industry, to A-Z sourcing for your project needs (including project management) we got you covered. Request Assistance

Discover expert procurement services for businesses and vendors, emphasizing the contract negotiation process twice. Hardware & Software Procurement Procuring hardware and software for businesses is a strategic endeavor that aims to secure the essential technological resources required to streamline operations, boost productivity, and fulfill organizational objectives. This comprehensive process encompasses critical steps and considerations, including assessing specific needs, evaluating various options, and negotiating favorable terms. Our experienced brokers, alongside our talented creative network, are equipped to navigate each phase with expertise and efficiency, ensuring your business receives the best solutions tailored to its unique challenges. We do procurement for BOTH businesses and vendors. Hardware Procurement Hardware procurement focuses on acquiring physical devices essential for business operations: Needs Assessment: Identify current and future hardware requirements based on employee roles, software usage, and data storage needs. Supplier Selection: Research and shortlist vendors who can meet technical requirements and offer cost-effective solutions. Contract Negotiation: Establish beneficial relationships with suppliers, covering pricing, specifications, and delivery timelines. Examples of hardware components we broker include: Servers and storage systems, networking equipment Point of Sale and onsite ATMs Peripheral devices (printers, scanners) Security systems Digital Signage Need Gear for Your Events? We Got You... Software Procurement Software procurement involves acquiring digital tools and applications: Requirements Gathering: Engage stakeholders to understand specific software needs across departments. Vendor Evaluation: Research potential vendors, considering factors like functionality, compatibility, and support. RFP Process: Create and manage Requests for Proposals (RFPs) to find suitable vendors. Contract Negotiation: Negotiate terms, including pricing, service level agreements, and performance metrics. Goto Equipment Procurement Procurement. Done Right. Have Needs? We should Talk > From looking to get into the cannabis industry, to A-Z sourcing for your project needs (including project management) we got you covered. Request Assistance

Merchant Processing & Bill Pay. Let us show you how to lower your bill by up to 92% on your monthly credit card fees! Offer Your Customers the Option to Choose How They Pay & Save HUGE! Yes, you have the option to pass on some or all of your merchant fees to your customers, creating a new revenue stream for your business. We Can Handle High Risk Business Offer Customers the Option of Cash or Card Businesses are starting to offer different prices for items based on whether customers pay with cash or a card. You can adjust the fee to fit your business needs. Customers will be informed about the charge and can choose to pay with cash or use a debit card, which may have no fee if they prefer. This way, you can retain more of your sales revenue that would have previously gone toward processing charges. Unsure if this program is suitable for your business? Consider the following questions: Do most of your customers use non-cash payment methods? Are your margins suffering due to high payment processing costs? Are you looking for a straightforward solution to improve your margins? Do you want your pricing to be fair to all customers? Do you want to shield yourself and other small business owners from the rising costs of accepting non-cash payments? We provide you with what you need such as free signage explaining the program to your customers. free Edge Cash Discounting software free equipment options. What Edge cash discounting eliminates no monthly or annual costs no statement fee no batch header fee no PCI compliance fee no contract commitment Equipment The Edge Cash Discounting program works on many POS solutions to meet your business needs, and we even offer free POS equipment if needed. Retail Solutions > Convivence Stores, Alcohol/Tobacco, Clothing & Apparel, etc. Hospitality Solutions > Food Trucks, Restaurants, Fine Dining, Quick Server Bars, Breweries, etc. Service Industry > Contractors, Beauty & Fitness, Healthcare, etc. Big Business > Government & Utilities, Omni-Channel Franchises, Enterprise Solutions Specialty & High Risk > CBD/Hemp, Telemedicine, Online Pharmacy, Gaming, Collections and more. Payment Services for Virtually All Industries.. No matter if you're selling in person, online, or while on the move, our dependable, comprehensive payment solutions are here to support you! We simplify the payment process for businesses and their customers, all while maintaining exceptional security and PCI compliance. Allow us to handle the details so you can concentrate on what you excel at! Multiple Gateway Options Available

Carpfish Creative helps small/medium businesses with everyday solutions. From finding your business tax credits, payment processing, Point of Sale, customer loyalty, marketing and a whole lot more! Carpfishcreative.com Terms of Use Last Revised: November 24, 2025 Welcome to carpfishcreative.com’s Terms of Use! We are truly excited to have you aboard. Thank you for choosing to use our services. Below we have listed important legal terms that apply to anyone who visits our website or uses our services. These terms are necessary in order to protect both you and us and to make our services possible and more enjoyable for everyone. Carpfish Creative LLC offers a wide range of services and features and part of the terms below may not be relevant to the specific services you use. We understand that legal terms can be exhausting to read, and we’ve tried to make the experience more pleasant. If you have suggestions on how we can improve them, you are welcome to contact us . 1. Introduction 1.1. Our Purpose Our services offer our Users (as defined below) the ability to easily create a beautiful and highly functional online presence, manage and promote businesses, content, and ideas, and have an overall great experience doing so – even without being tech-savvy or a design guru. As detailed below, we offer our users numerous tools and features for creating, publishing, and use of stunning websites, online e-commerce platforms, newsletters, galleries, media players, mobile apps, and other online and mobile applications, tools, and services. The online, and mobile websites, functionalities, and platforms created by Users are collectively referred to herein as “User Platform(s)”. 1.2. Legal Agreement These carpfishcreative.com Terms of Use (“Terms of Use”), together with such additional terms which specifically apply to some of our services and features as presented on the carpfishcreative.com website(s) (“Carpfish Creative LLC Website”, and collectively – the “Carpfish Creative LLC Terms”), set forth the entire terms and conditions applicable to each visitor or user (“User” or “you”) of the Carpfish Creative LLC Website, the Carpfish Creative LLC mobile application (the “Carpfish Creative LLC App”) and/or any other services, applications and features offered by us with respect thereto, except where we explicitly state otherwise (all services offered through the Carpfish Creative LLC Website or the Carpfish Creative LLC App, collectively – the “Carpfish Creative LLC Services” or “Services”). For the avoidance of doubt, Carpfish Creative LLC Services (as defined in these Terms of Use) do not include services, applications, features, or components that were built, developed, connected or offered by a Carpfish Creative LLC User, even if presented on the Carpfish Creative LLC Website or the Carpfish Creative LLC App. The Carpfish Creative LLC Terms constitute a binding and enforceable legal contract between Carpfish Creative LLC and its affiliated companies and subsidiaries worldwide (“Carpfish Creative LLC”, “us” or “we”) and you in relation to the use of any Carpfish Creative LLC Services - so please read them carefully. You may visit and/or use the Carpfish Creative LLC Services and/or the Carpfish Creative LLC App only if you fully agree to the Carpfish Creative LLC Terms, and by using and/or registering to any of the Carpfish Creative LLC Services, you signify and affirm your informed consent to these Terms of Use and any other Carpfish Creative LLC Terms applicable to your use of any Carpfish Creative LLC Services. If you do not read, or fully understand or if you do not agree to the Carpfish Creative LLC Terms, you must immediately leave the Carpfish Creative LLC Website and avoid or discontinue all use of the Carpfish Creative LLC Services or Carpfish Creative LLC App. By using our Services, you also acknowledge that you have read our Privacy Policy available at our Privacy Policy . 1.3. User Account In order to access and use the Carpfish Creative LLC Services, you must first register and create an account with Carpfish Creative LLC (“User Account”). Creation of a User Account or purchase of Paid Services (as defined in Section 5 below), can be done either directly on the Carpfish Creative LLC Website or through an unrelated third-party authorized to sell Carpfish Creative LLC subscriptions to User Accounts and other Paid Services (a “Reseller”) under a separate agreement with Carpfish Creative LLC (a “Reseller Agreement”). If you register to Carpfish Creative LLC Services or purchase Paid Services via a Reseller (referred to herein as a “Reseller User”) please note the following: These Terms of Use are applicable in addition to any arrangement by and between you and the Reseller, and they govern your use of the Carpfish Creative LLC Services. As between you and Carpfish Creative LLC, per your relationship with Carpfish Creative LLC and unless otherwise specifically indicated in these Terms of Use, these Terms of Use supersede any arrangement between you and the Reseller about your use of the Carpfish Creative LLC Services and/or activities in your User Account (or the User Account to which you are added). Certain services, applications, and features of the Carpfish Creative LLC Services may not be available to you or may only be available to you through the Reseller platform. 1.4 Access to Accounts, Roles, and Permissions You may invite others to your User Account and your User Platforms and assign them certain roles and permissions to perform certain activities within your User Account and User Platforms. A person granted permission to perform activities on a User Account that such person does not own is referred to herein as a “Contributor”. If anyone other than yourself (including Contributors) accesses your User Account and/or any of your User Platforms’ settings, they may also (and if done by a Contributors, depending on the roles and permissions you assign them), perform actions available to you (unless as specifically stated otherwise on the Carpfish Creative LLC Services), make changes to your User Platform(s) and User Account, and accept any legal terms available therein, make various representations and warranties and more – and all such activities will be deemed to have occurred on your behalf and in your name as the owner of the User Account, whether or not specifically authorized by you. Therefore, we strongly encourage you to (i) keep the log-in credentials of your User Account confidential, and (ii) allow access to your User Account, only to people you trust - as you will be solely and fully responsible for all activities that occur under your User Account and/or User Platforms (including for any representations, warranties, and undertakings made therein and including by any Contributor), and for any damages, expenses or losses that may result from such activities. You must provide accurate and complete information when registering your User Account and using Carpfish Creative LLC Services. We strongly encourage you to provide your own (or your company’s, as applicable) contact and billing details, including your valid e-mail address, as we may use it to identify and determine the actual owner of the User Account and/or User Content (as defined below) submitted to us. If you are a Contributor, you are required to register and create a User Account of your own to access the User Account under which you are a Contributor. Therefore, these Terms of Use apply to Contributors as well. If you are a Reseller User, then depending on the agreement between you and the Reseller, such Reseller may be the owner of the User Platform, and you may be invited by the Reseller as a Contributor to such User Platform. If you are invited as a Contributor to a User Platform or if you are a Reseller User, you acknowledge that the owner of such User Platform and /or the Reseller (ii) shall have full access to any information (including personal information) that is stored by you or on your behalf on such User Platform; and (ii) shall have all the rights and functionalities awarded to a User Account owner, in connection with such User Platform. You can also create an account and purchase services also via a third-party authorized to sell Carpfish Creative LLC (Reseller). If you register to Carpfish Creative LLC or purchase services via a Reseller you agree and accept these Carpfish Creative LLC terms of use (in addition to any arrangement between you and the Reseller), so that in you relationship with Carpfish Creative LLC these terms will overcome any other terms, and that some Carpfish Creative LLC services and features may not be available to you or be available to you only through the Reseller platform. You can invite others (Contributors) to perform activities on your User Account by assigning them certain roles and permissions. If you are invited to be a Contributor on another user’s Platform, you need to create a User Account of your own before you access the other User Platform. If you are a Reseller User, the Reseller may be the owner of the User Platform and have access to information on such User Platform. The Reseller will also have all rights and functionalities awarded to a User Account owner. You may be invited by the Reseller as a Contributor to such User Platform. 1. 5 Account Ownership For each User Platform, Carpfish Creative LLC will consider the owner of such User Platform to be the person or entity whose email address is listed in Carpfish Creative LLC’s records as the owner of the User Account under which the User Platform was created. In case of a dispute on User Account ownership, we reserve the right to determine ownership of a User Account based on our reasonable judgment, whether or not an independent investigation has been conducted by us. However, if we cannot make such a determination (as we may deem in our sole discretion), we reserve the right to avoid doing so and/or suspend a User Account until the parties disputing such ownership resolve, without Carpfish Creative LLC having any liability to you or to any other party. We may request documentation (e.g., government-issued ID, a business license) that may assist us in determining ownership. If you created your User Account directly on the Carpfish Creative LLC Website (and not via a Reseller), we may consider the principles set forth below to determine ownership. If you are invited as a Contributor to a User Platform or if you are a Reseller User, you acknowledge that the owner of such User Platform and /or the Reseller (ii) shall have full access to any information (including personal information) that is stored by you or on your behalf on such User Platform; and (ii) shall have all the rights and functionalities awarded to a User Account owner, in connection with such User Platform. Carpfish Creative LLC will consider the person or entity who has access to the e-mail address (listed in Carpfish Creative LLC’s records for a User Account under which such User Platform or User Content was created) as the owner of a User Account, User Platform, and/or User Content created and/or uploaded to the relevant Carpfish Creative LLC Service. If any Paid Services were purchased via a User Account, Carpfish Creative LLC may consider the owner of such User Account and/or the relevant User Platform and/or User Content created thereunder, as the person or entity whose billing details were used to purchase such Paid Services (“Billing Information”). Notwithstanding the foregoing, when applicable, if a User Platform was connected to an external domain name (either imported or purchased as part of certain Paid Services, as defined below), and such domain’s registration information is publicly available via the WHOIS database provided on the www.whois.net website or on Carpfish Creative LLC’s database, Carpfish Creative LLC may consider the owner of such User Platform as the person or entity registered as the registrant of such domain thereunder. If an individual and an organization are both registered as the registrant or the registrant organization of such a domain, Carpfish Creative LLC will consider the organization as the actual owner of the domain. In the event the Billing Information indicates one person as the owner of the User Platform and the domain registration indicates a different owner, Carpfish Creative LLC shall consider the person registered as the owner of the domain connected to the Carpfish Creative LLC Account as the owner of the User Platform. Notwithstanding the foregoing, Carpfish Creative LLC shall have the right to determine the ownership of User Content and/or a User Website as it chooses, including by ignoring the indications set forth above, in the event Carpfish Creative LLC deems, at its sole discretion, that the situation justifies such determination, all based upon the factual situation as determined by the sole discretion of Carpfish Creative LLC. If you are a Reseller User, the ownership of the respective User Account may be determined by Carpfish Creative LLC pursuant to the terms of the Reseller Agreement. 2. Your Obligations 2.1. You represent and warrant that: you are at least thirteen (13) years of age, or sixteen (16) years of age if you are an individual within the European Union (EU), or of the legal age of majority in your jurisdiction, and possess the legal authority, right and freedom to enter into the Carpfish Creative LLC Terms and to form a binding agreement, for yourself or on behalf of the person or entity committed by you to the Carpfish Creative LLC Terms; you are not ordinarily resident of, and will not use or distribute the Carpfish Creative LLC Services or Carpfish Creative LLC App in, any country or region subject to U.S. comprehensive country or regional embargos. You further confirm that you are not included on any sanctions list, including without limitation, the U.S. Specially Designated Nationals and Blocked Persons List, maintained by the U.S. (“SDN List”), or any other applicable sanctions list maintained by the EU, the UK or other, and that you are not owned 50 percent or more, directly or indirectly in the aggregate, by a Sanctioned Party and are not otherwise controlled by such a party (“Sanctioned Party”). You further confirm that you will not use or distribute the Carpfish Creative LLC Services or the Carpfish Creative LLC App directly or indirectly to or for the benefit of a Sanctioned Party. You agree to indemnify Carpfish Creative LLC against any losses, including without limitation, monetary penalties and legal fees, that Carpfish Creative LLC may suffer should you violate any of the foregoing confirmations regarding your non-sanctioned status. your country of residence and/or your company’s country of incorporation is the same as the country specified in the contact and/or billing address you provide us; you understand that Carpfish Creative LLC does not provide any legal advice or any recommendation with respect to any laws or requirements applicable to your use or any of your End Users, or your compliance therewith; And specifically regarding your User Content: you confirm you own all rights in and to any content uploaded, developed or provided by you, or imported, connected, copied or uploaded by Carpfish Creative LLC Services for you, to your User Platform (“User Content”), including any designs, images, animations, videos, audio files, fonts, logos, code, algorithms, SPIs, APIs, databases, illustrations, compositions, artworks, interfaces, usernames, information you provide for the purpose of creating a subdomain name, text, literary works and any other materials (“Content”), or otherwise have (and will continue to have) the full power, title, licenses, consents and authority, in and to the User Content, as necessary to legally access to, import, copy, use, connect, develop, publish, transfer or license such User Content, by you and us or any of our affiliates; you have (and will maintain) the full power, title, licenses, consents and authority to allow Carpfish Creative LLC Services or Carpfish Creative LLC App to access any websites, web pages, and/or other online services, for the purpose of importing, exporting, copying, displaying, uploading, publishing, transmitting and/or otherwise using your User Content. the User Content is (and will continue to be) true, current, accurate, non-harmful, non-infringing upon any third party rights, and in no way unlawful for you to upload, import, export, copy, possess, post, publish, transmit, display or otherwise use, in the country in which you or your User Platform’s visitors and users (“End Users”) reside, or for Carpfish Creative LLC and/or your End Users to access, import, export, copy, upload, publish, post, store, use or possess in connection with the Carpfish Creative LLC Services; you have obtained all consents and permissions required under all applicable laws, regarding the processing, storing, collection, posting, transmission and publication of any personal information and/or image or likeness of any person, entity or property which is part of the User Content, and you will adhere to all laws applicable thereto. 2.2. You undertake and agree to: fully comply with all applicable laws and any other contractual terms which govern your use of the Carpfish Creative LLC Services (and any related interaction or transaction), including those specific laws applicable to you or your End Users in any of your geographical locations; be solely responsible and liable with respect to any of the uses of the Carpfish Creative LLC Services which occur under your User Account and/or User Platform(s), and for any of your User Content (including for any consequences of accessing, storing, collecting, importing, exporting, uploading, copying, using or publishing such User Content on or with respect to the Carpfish Creative LLC Services); regularly and independently save and back up any of your User Content and the information that is being processed by you regarding your User Platform, including with respect to End Users, User Products, and any applications, features, services, and/or Third Party Services used, connected, presented or developed by you; receive from time to time promotional messages and materials from Carpfish Creative LLC or its partners, by mail, e-mail or any other contact form you may provide us with (including your phone number for calls or text messages). If you wish not to receive such promotional materials or notices, please notify us at any time. allow Carpfish Creative LLC to use in perpetuity, worldwide and free of charge, any version of your User Platform (or any part thereof) for any of Carpfish Creative LLC’s marketing and promotional activities, online and/or offline, and modify it as reasonably required for such purposes, and you waive any claims against Carpfish Creative LLC or anyone on its behalf relating to any past, present or future moral rights, artists’ rights, or any other similar rights worldwide that you may have in or to your User Platform with respect to such limited permitted uses; Carpfish Creative LLC’s sole discretion as to the means, manner, and method for performing the Carpfish Creative LLC Services, including those regarding the hosting, transmission, publication, and/or display of any User Platforms and/or Content (including the inclusion and presentation of any advertisements or other commercial content with respect thereto). Carpfish Creative LLC shall have the right to offer the Carpfish Creative LLC Services in alternative price plans and impose different restrictions for the upload, storage, download and use of the Carpfish Creative LLC Services in each price plan, including, without limitation, restrictions on network traffic and bandwidth, size and/or length of Content, quality and/or format of Content, sources of Content, the volume of download time, number of subscribers to your Content, the volume of storage, etc. You will be responsible for your actions and for the actions of anyone who accesses your user account or user platform settings. You shall regularly save backups of your content. You agree that our partners may send you promotional messages and content. You can easily opt out of receiving promotional messages by contacting us. You allow us to use your website for our promotional activities and to determine the manner in which the services will be performed. \You agree that Carpfish Creative LLC has the right to impose and change price plans for its Services. Additionally, Carpfish Creative LLC may impose restrictions depending on your specific usage of the Service. 2.3. You agree and undertake not to: copy, modify, create derivative works of, download, adapt, reverse engineer, emulate, migrate to another service, translate, compile, decompile or disassemble the Carpfish Creative LLC Website, the Carpfish Creative LLC Services (or any part thereof), any Content offered by Carpfish Creative LLC or Third Party Services for use and display within User Platforms (“Licensed Content”) and/or any part thereof in any way, or publicly display, perform, transmit or distribute any of the foregoing without Carpfish Creative LLC’s prior written and specific consent and/or as expressly permitted under the Carpfish Creative LLC Terms; submit, transmit or display any User Content, or use Licensed Content in a context, which may be deemed as defamatory, libelous, obscene, harassing, threatening, incendiary, abusive, racist, offensive, deceptive or fraudulent, encouraging criminal or harmful conduct, or which otherwise violates the rights of Carpfish Creative LLC or any third party (including any intellectual property rights, privacy rights, contractual or fiduciary rights), or otherwise shows any person, entity or brand in a bad or disparaging light, without their prior explicit approval; use any illegal action to collect login data and/or passwords for other websites, third parties, software or services; phish, collect, upload, or otherwise make available credit card information or other forms of financial data used for collecting payments, unless done in accordance with any applicable law, including, with the PCI DSS standard when applicable; upload, insert, collect or otherwise make available within the Carpfish Creative LLC Website or the Carpfish Creative LLC Services (or any part thereof), any malicious, unlawful, defamatory or obscene Content; publish and/or make any use of the Carpfish Creative LLC Services or Licensed Content on any website, media, network or system other than those provided by Carpfish Creative LLC, and/or frame, “deep link”, “page scrape”, mirror and/or create a browser or border environment around any of the Carpfish Creative LLC Services, Licensed Content and/or User Platform (or any part thereof), except as expressly permitted by Carpfish Creative LLC, in advance and in writing; use any “robot”, “spider” or other automatic device, program, script, algorithm, or methodology, or any similar or equivalent manual process, to access, acquire, copy, or monitor any portion of the Carpfish Creative LLC Services (or its data and/or Content), or in any way reproduce or circumvent the navigational structure or presentation of any of the Carpfish Creative LLC Services to obtain or attempt to obtain any materials, documents, services or information through any means not purposely made available through the Carpfish Creative LLC Services; act in a manner which might be perceived as damaging to Carpfish Creative LLC’s reputation and goodwill or which may bring Carpfish Creative LLC into disrepute or harm; purchase search engine or other pay-per-click keywords (such as Google AdWords), or domain names that use Carpfish Creative LLC or Carpfish Creative LLC Marks and/or variations and misspellings thereof; impersonate any person or entity or provide false information on the Carpfish Creative LLC Services and/or User Platform, whether directly or indirectly, or otherwise perform any manipulation to disguise your identity or the origin of any message or transmittal you send to Carpfish Creative LLC and/or any End Users; falsely state or otherwise misrepresent your affiliation with any person or entity, or falsely express or imply that Carpfish Creative LLC or any third party endorses you, your User Platform, your business, your User Products, or any statement you make; reverse look-up, trace, or seek to trace another User of Carpfish Creative LLC Services, or otherwise interfere with or violate any other User’s right to privacy or other rights, or harvest or collect personally identifiable information about visitors or users of the Carpfish Creative LLC Services and/or User Platform without their express and informed consent; disable, circumvent, bypass or otherwise avoid any measures used to prevent or restrict access to the Carpfish Creative LLC Services, User Platform, the account of another User(s), or any other systems or networks connected to the Carpfish Creative LLC Services, by hacking, password mining, or other illegitimate or prohibited means; probe, scan, or test the vulnerability of the Carpfish Creative LLC Services or any network connected to the Carpfish Creative LLC Services; upload to the Carpfish Creative LLC Services and/or User Platform or otherwise use them to design, develop, distribute and/or otherwise transmit or execute, any virus, worm, Trojan Horse, time bomb, web bug, spyware, malware, or any other computer code, file, or program that may or is intended to damage or hijack the operation of any hardware, software, or telecommunications equipment, or any other actually or potentially harmful, disruptive, or invasive code or component; take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Carpfish Creative LLC Services or Carpfish Creative LLC’s systems or networks connected to the Carpfish Creative LLC Services, or otherwise interfere with or disrupt the operation of any of the Carpfish Creative LLC Services, or the servers or networks that host them or make them available, or disobey any requirements, procedures, policies, or regulations of such servers or networks; use any of the Carpfish Creative LLC Services and/or User Platform in connection with any form of spam, unsolicited mail, fraud, scam, phishing, “chain letters”, “pyramid schemes” or similar conduct, or otherwise engage in unethical marketing or advertising; utilize any of the Carpfish Creative LLC Services or Carpfish Creative LLC Systems for storage and/or video streaming purposes (whether for main streaming purposes or not). For example, creating and operating websites whose purpose is video streaming or main purpose is file storage. Including indirect utilization, through integration or connection with third-party platforms or services; access to Carpfish Creative LLC Services, User Accounts, Licensed Content and/or User Content, through any means or technology (e.g., scraping and crawling), other than our publicly supported interfaces. sell, license, or exploit for any commercial purposes any use of or access to the Licensed Content and/or Carpfish Creative LLC Services, except as expressly permitted by the Carpfish Creative LLC Terms; remove or alter any copyright notices, watermarks, restrictions and signs indicating proprietary rights of any of our licensors, including copyright mark [©], Creative Commons [(cc)] indicators, or trademarks [® or ™] contained in or accompanying the Carpfish Creative LLC Services and/or Licensed Content; or violate, attempt to violate, or otherwise fail to comply with any of the Carpfish Creative LLC Terms or any laws or requirements applicable to your use of the Carpfish Creative LLC Services. access or use the Services for benchmarking or similar competitive analysis purposes or in order to build a competitive product or service. You acknowledge and agree that your failure to abide by any of the foregoing or any misrepresentation made by you herein may result in the immediate termination of your User Account and/or any Services provided to you, with or without further notice to you, and without any refund of amounts paid on account of any such Services. 3. Content and Ownership 3.1. Your Intellectual Property As between Carpfish Creative LLC and you, you shall own all intellectual property pertaining to your User Content and to any other materials created, developed, or connected to Carpfish Creative LLC Services by you, including any designs, images, animations, videos, audio files, fonts, logos, illustrations, compositions, artworks, code, algorithms, SPIs, APIs, databases, interfaces, text and literary works. Carpfish Creative LLC does not claim ownership rights on your User Content or the content you connected to the Carpfish Creative LLC Services. You know and agree that in order to provide the Services to you and to maintain and improve the Services (the “Purpose”) we will need to access, upload and/or copy your User Content to our platform, including cloud services and CDN’s, to make display adjustments, to train our software tools, to duplicate for backup and perform any other technical actions and/or uses required to perform our services, as we deem fit. You hereby grant us a non-exclusive, transferable, sub-licensable, royalty-free, and worldwide license to use your User Content for the Purpose. 3.2. Carpfish Creative LLC’s Intellectual Property All rights, title and interest in and to the Carpfish Creative LLC Services, including any and all copyrightable materials or any other content thereof which is or may be subject to any intellectual property rights under any applicable law (including any artwork, graphics, images, website templates and widgets, literary work, source and object code, computer code (including html), applications, audio, music, video and other media, designs, animations, interfaces, documentation, derivatives and versions thereof, the “look and feel” of the Carpfish Creative LLC Services, methods, products, algorithms, data, interactive features and objects, advertising and acquisition tools and methods, inventions, trade secrets, logos, domains, customized URLs, trademarks, service marks, trade names and other proprietary identifiers, whether or not registered and/or capable of being registered (collectively, “Intellectual Property”), and any derivations thereof, are owned by and/or licensed to Carpfish Creative LLC. Subject to your full compliance with the Carpfish Creative LLC Terms and timely payment of all applicable Fees, Carpfish Creative LLC hereby grants you, upon creating your User Account and for as long as Carpfish Creative LLC wishes to provide you with the Carpfish Creative LLC Services, a non-exclusive, non-transferable, non-sublicensable, fully revocable, limited license to use the Carpfish Creative LLC Services and Licensed Content, for the purpose of generating and displaying your User Platform to End Users and offering your User Products (as defined below) therein, solely as expressly permitted under the Carpfish Creative LLC Terms, and solely within the Carpfish Creative LLC Services. The Carpfish Creative LLC Terms do not convey any right or interest in or to Carpfish Creative LLC’s Intellectual Property (or any part thereof), except only for the limited license expressly granted above. Nothing in the Carpfish Creative LLC Terms constitutes an assignment or waiver of Carpfish Creative LLC’s Intellectual Property rights under any law. In addition to the above, certain fonts made available to you within the Carpfish Creative LLC Services, are licensed to Carpfish Creative LLC by a third party provider, and are therefore subject to additional license terms of such provider, which are summarized and available for your review at https://www.carpfishcreative.com/about/mono-terms-of-use . 3.3. Feedback and Suggestions If you provide us with any suggestions, comments or other feedback relating to the Carpfish Creative LLC Services (whether existing, suggested or contemplated), which is or may be subject to any Intellectual Property rights (“Feedback”), such Feedback shall be exclusively owned by Carpfish Creative LLC. By providing such Feedback to Carpfish Creative LLC, you acknowledge and agree that it may be used by Carpfish Creative LLC in order to: (i) further develop, customize and improve of the Carpfish Creative LLC Services, (ii) provide ongoing assistance and technical support, (iii) contact you with general or personalized Carpfish Creative LLC -related notices and/or interview requests based on your feedback or otherwise, (iv) facilitate, sponsor and offer certain promotions, and monitor performance, (v) to create aggregated statistical data and other aggregated and/or inferred information, which Carpfish Creative LLC may use to provide and improve its services, (vi) to enhance Carpfish Creative LLC data security and fraud prevention capabilities, and (vii) to comply with any applicable laws and regulations. In addition, you (1) represent and warrant that such Feedback is accurate, complete, and does not infringe on any third party rights; (2) irrevocably assign to Carpfish Creative LLC any right, title and interest you may have in such Feedback and (3) explicitly and irrevocably waive any and all claims relating to any past, present or future moral rights, artists’ rights, or any other similar rights worldwide in or to such Feedback. 4. Privacy Certain parts of the Carpfish Creative LLC Services (including certain Third Party Services available therein, as further explained in Section 8 below) require or involve the submission, collection and/or use of certain personally identifying or identifiable information. In particular and as a part of accessing or using the Carpfish Creative LLC Services, Carpfish Creative LLC and such Third Party Services may collect, access and use certain data pertaining to Users and End Users, including the activities or navigation undertaken by Users and End Users through the Carpfish Creative LLC Services and/or User Platforms. We encourage you to read our Privacy Policy and each such Third Party Services’ relevant policies on a regular basis, for a description of such data collection and use practices. 5. Service Fees 5.1. Paid Services The use of certain Carpfish Creative LLC Services may be subject to payment of particular fees, as determined by Carpfish Creative LLC in its sole discretion (“Paid Services” and “Fee(s)”, respectively). Important: if you are a Reseller User and your payment is made to the Reseller, then the provisions of subsections 5.1 (1), 5.1(4), 5.2, 5.3 (2), 5.4 (1) and 5.5 of this Section 5 with respect to such specific Paid Service may not apply to you and the payment and management of such Paid Service, shall be made directly with the Reseller according to the terms agreed upon between you and the Reseller. Carpfish Creative LLC will notify you of the Fees then in effect, you need to pay directly to Carpfish Creative LLC in relation to the Paid Services you decide to purchase from Carpfish Creative LLC. If you wish to receive or use the Paid Services, you are required to pay all applicable Fees in advance Carpfish Creative LLC reserves the right to change its Fees at any time in its sole discretion. Carpfish Creative LLC will send a notice regarding the change to you or your Reseller if such a change will affect your existing subscriptions you received a discount or other promotional offer, either from Carpfish Creative LLC or from a Reseller, Carpfish Creative LLC or the Reseller, respectively, shall have the right at the end of the applicable discounted period, to, automatically and without notice, renew your subscription to such Carpfish Creative LLC Service(s) at the full then-current applicable Fee. All Fees paid directly to Carpfish Creative LLC shall be deemed to be in U.S. Dollars, except as specifically stated otherwise in writing by Carpfish Creative LLC. To the extent permitted by law (and unless specified otherwise by Carpfish Creative LLC in writing), all Fees are exclusive of all taxes (including value-added tax, sales tax, goods and services tax, etc.), levies or duties imposed by taxing authorities (“Taxes”), and you shall be responsible for payment of all applicable Taxes relating to your use of the Carpfish Creative LLC Services, or to any payments or purchases made by you. If Carpfish Creative LLC is obligated to collect or pay Taxes for the Fees payable by you, and whether or not such Taxes were added and collected from you for previous transactions, such Taxes may be added to the payment of any outstanding Fees and will be reflected in the Invoice for such transaction. We recommend that you verify the existence of any additional fees you may be charged by third parties in connection with the purchase of Paid Services or in connection with the renewal thereof (such as international transaction fees, currency exchange fees, or fees due to banks or credit card companies). Carpfish Creative LLC is not responsible for any such additional fees or costs. If you purchase Paid Services directly from Carpfish Creative LLC, then as part of registering or submitting information to receive Paid Services, you also authorize Carpfish Creative LLC (either directly or through its affiliates, subsidiaries other third parties) to request and collect payment and service fees (or otherwise charge, refund or take any other billing actions) from our payment provider or your designated banking account, and to make any inquiries Carpfish Creative LLC or its affiliates may consider necessary to validate your designated payment account or financial information, in order to ensure prompt payment, including for the purpose of receiving updated payment details from your payment, credit card or banking account provider (e.g., updated expiry date or card number as may be provided to us by your credit card company). You must keep a credit card stored with Carpfish Creative LLC to pay for your Paid Services (“Stored Card”) that are purchased directly from Carpfish Creative LLC. You will be able to identify your Stored Card by its last four digits on your Account Settings Page. 5.2. Invoices If you are a Reseller User and you pay the Reseller and not directly to Carpfish Creative LLC, the following Section 5.2 does not apply to you. Carpfish Creative LLC and/or its affiliated companies will issue an invoice or credit memo for any payment of Fees or refund made to or by Carpfish Creative LLC (“Invoice”). Each Invoice will be issued in electronic form and based on the country stated in your billing address and will be made available to you via your User Account and/or by e-mail. For the purpose of issuing the Invoice, you may be required to furnish certain Personal Information (as such term is defined in the Privacy Policy) in order to comply with local laws. Please note that the Invoice presented in your User Account may be inadequate with your local law requirements, and in such case may be used for pro forma purposes only. 5.3. Subscription Auto-Renewals In order to ensure that you do not experience any interruption or loss of services, certain Paid Services include an automatic renewal option by default, according to which, unless you turn off the auto-renewal option is turned off by you or your Reseller, such Paid Services will automatically renew upon the end of the applicable subscription period, for a renewal period equal in time to the original subscription period (excluding extended periods) and, unless otherwise notified to you, (by Carpfish Creative LLC or your Reseller), at the same price (subject to applicable Taxes changes and excluding any discount or other promotional offer provided for the first period) (“Renewing Paid Services”). For example, if the original subscription period for a Service is one month, each of its renewal periods (where applicable) will be for one month. Accordingly, where applicable and as for Fees paid directly to Carpfish Creative LLC, Carpfish Creative LLC will attempt to automatically charge you the applicable Fees using the Stored Card, within up to two (2) weeks before such renewal period commences. In the event of failure to collect the Fees owed by you, we may in our sole discretion (but shall not be obligated to) retry to collect at a later time, and/or suspend or cancel your User Account, without further notice. If your Renewing Paid Service is subject to a yearly or multiple-year subscription period, Carpfish Creative LLC will endeavor to provide you a notice prior to the renewal of such Paid Service at least thirty (30) days in advance of the renewal date. By entering into these Terms of Use and by purchasing a Renewing Paid Service, you acknowledge and agree that the Renewing Paid Service shall automatically renew in accordance with the above terms. You (or the Reseller from which you purchase the Paid Services) may turn off the auto-renewal option for Renewing Paid Services at any time via your User Account or by visiting Carpfish Creative LLC Help Center . Certain domains are subject to a different renewal policy as detailed at Web.com Reseller Domain Name Registration Agreement and Tucows Reseller Domain Name Registration Agreement , as applicable. Notwithstanding anything to the contrary in the foregoing, you are, and shall be, solely responsible to verify and ensure the successful renewal of the Carpfish Creative LLC Services you use (whether or not such Carpfish Creative LLC Services are subject to automatic subscription renewals). Accordingly, you shall be solely responsible with respect to any discontinuation of any Carpfish Creative LLC Services previously purchased by you, including due to a cancellation, failure to charge the applicable recurring Fees, or due to any Carpfish Creative LLC Services not being subject to automatic subscription renewals. You acknowledge and agree that you shall not have any claims against Carpfish Creative LLC in relation to the discontinuation of any Carpfish Creative LLC Services or Third Party Services, for whatever . 5.4. Money-Back Guarantee If you are a Reseller User, and you pay the Reseller and not directly to Carpfish Creative LLC, Section 5.4 does not apply to you. If you are not happy with your initial purchase of a Premium Plan, you may provide notice of cancellation for any reason within fourteen (14) days of having first ordered or activated such Premium Plan (the “Refund” and “Refund Period”). The Refund is applicable only to the initial purchase of a Premium Plan which is an upgrade of a free website. The Refund is not applicable to any additional purchases, upgrades, modifications or renewals of Carpfish Creative LLC Services. If you reside in a jurisdiction that requires a longer Refund Period, we will accommodate such requirements in accordance with all applicable laws. If Carpfish Creative LLC receives such notice within the Refund Period, Carpfish Creative LLC will refund to you the amount Carpfish Creative LLC charged you for such Carpfish Creative LLC Services, in the currency you were originally charged in, and cancel the services accordingly. Please note that the Refund amount may be different than the amount you were charged due to currency changes and third-party fees. Carpfish Creative LLC will not be responsible for any differences caused by a change of currency exchange rates or fees you were charged by third parties. After the Refund Period, the Fees paid by you will be non-refundable and non-cancellable. In addition, if we find that a notice of cancellation has been given by a User in bad faith or in an illegitimate attempt to avoid payment for services actually received, we reserve our right to still charge the User for any Carpfish Creative LLC Services actually received, as permitted by the applicable law. Please note: Certain services purchased on or through the Carpfish Creative LLC Services may be non-refundable altogether. These include Third Party Services such as domains, business tools and applications. The terms of each purchased service or application are indicated on the Carpfish Creative LLC Website and/or as part of or during the process of purchasing such services or applications. It is your responsibility to verify the ability to cancel a service prior to its purchase. Carpfish Creative LLC will not refund any amounts paid for non-refundable Paid Services, applications or Third Party Services. We are happy to offer a 14-day money-back guarantee for our monthly or annual paid services when first purchased. This may be extended according to the law. If you are a Reseller User and pay the Reseller, this Section does not apply to you. Please carefully check the terms of each service before buying, since some services are non-refundable. 5.5. Chargebacks If at any time, we record a decline, chargeback or other rejection of a charge of any payable Fees due directly to Carpfish Creative LLC, on your Carpfish Creative LLC account (“Chargeback”), this will be considered as a breach of your payment obligations hereunder, and your use of the Carpfish Creative LLC Services may be automatically disabled or terminated. In the event a Chargeback is performed, your User Account may be blocked without the option to re-purchase or re-use it, and any data contained in such User Account, including any domains, applications and Third Party Services may be subject to cancellation and Capacity Loss (as defined in Section 6.3 below). Your use of the Carpfish Creative LLC Services will not resume until you re-subscribe for any such Carpfish Creative LLC Services, and pay any applicable Fees in full, including any fees and expenses incurred by Carpfish Creative LLC and/or any Third Party Services for each Chargeback received (including Fees for Carpfish Creative LLC Services provided prior to the Chargeback, handling and processing charges and fees incurred by the payment processor). If you have any questions or concerns regarding a payment made by you to Carpfish Creative LLC, we encourage you to first contact our Customer Support team before filing a Chargeback or reversal of payment, in order to prevent the Carpfish Creative LLC Services from being canceled and your User Account being blocked, and to avoid the filing of an unwarranted or erroneous Chargeback, which may result in your being liable for its applicable Fees, in addition to re-payment of all the Fees applicable to the Carpfish Creative LLC Services purchased (and charged-back) by you. We reserve our right to dispute any Chargeback received, including by providing the relevant credit card company or financial institution with any information and documentation proving that the User responsible for such Chargeback did in fact authorize the transaction and received or made use of the services rendered thereafter. 6. Cancellation 6.1. Cancellation by User You may discontinue to use and request to cancel your User Account and/or any Carpfish Creative LLC Services at any time, in accordance with the instructions available on the Carpfish Creative LLC Services. The effective date and time for such cancellation shall be the date and time on which you have completed the cancellation process on the Carpfish Creative LLC Services, and the effective date for cancellation of Paid Services shall be at the end of such Paid Services’ subscription period. Notwithstanding the aforesaid, any Paid Service (including Renewing Paid Services) purchased from a Reseller are subject to such cancellation terms as agreed between you and your Reseller. Notwithstanding anything to the contrary in the foregoing, with respect to subscriptions to Renewing Paid Services, such subscriptions will be discontinued only upon the expiration of the respective period for which you have already made payment. Please note that as the cancellation process may take a few days, in order to avoid the next automatic renewal and respective charge, the cancellation request should be made - if purchased directly from Carpfish Creative LLC, at least fourteen (14) days prior to the expiration of the then-current service period, and if purchased and paid for to, a Reseller - pursuant to the provisions of your agreement with the Reseller. For more information about canceling the Paid Services you purchased from Carpfish Creative LLC, please visit Carpfish Creative LLC Help Center . For information about canceling Paid Services you purchased from a Reseller, please contact your Reseller. 6.2. Cancellation by Carpfish Creative LLC Failure to comply with any of the Carpfish Creative LLC Terms and/or to pay any due Fee shall entitle Carpfish Creative LLC, among other things, to suspend (until full payment is made) or cancel your User Account and User Platform (or certain features thereof), as well as the provision of any related Carpfish Creative LLC Services (e.g., Paid Services) or Third Party Services to you. If you open a User Account via a Reseller or purchase Paid Services from a Reseller, then Carpfish Creative LLC is entitled to suspend, terminate or block access to your User Account and User Platform (or certain features thereof) as well as to the provisioning of any related Carpfish Creative LLC Services or Third Party Services to you, also if: (a) Carpfish Creative LLC is requested to do so by your Reseller; or if (b) Reseller fails to pay Carpfish Creative LLC any amounts due to Carpfish Creative LLC pursuant to the Reseller Agreement. You consent to these suspension and termination rights and acknowledge and agree that Carpfish Creative LLC shall have no liability to you of any kind with respect to any such suspension or termination. Your sole recourse with respect to any such suspension or termination shall be against the Reseller. 6.3. Loss of Data, Content and Capacity If your User Account or any Carpfish Creative LLC Services or Third Party Services related to your User Account are canceled (whether at your request or at Carpfish Creative LLC’s discretion), it may cause or result in the loss of certain content, features, or capacity of your User Account, including any User Content, End User data or other usage data retained therein, and including any domain name reservation or registration that was included in such Services (“Capacity Loss”). Carpfish Creative LLC shall not be liable in any way for such Capacity Loss, or for saving a backup of your User Account, User Content or End User data. Please also note that additional Fees may apply to re-activation of a User Account and/or any Carpfish Creative LLC Services following their cancellation, as determined by Carpfish Creative LLC in its sole discretion. Following the termination of your User Account or User Platform, Carpfish Creative LLC reserves the right to delete all data in the normal course of operation. Data cannot be recovered once your User Account or User Platform is terminated. 7. E-Commerce 7.1. General The Carpfish Creative LLC Services also include certain features which enable you to sell goods, content, media, event tickets and services through your User Platform (“User Products”, and collectively with Carpfish Creative LLC Services – “E-Commerce”). You are solely responsible for your User Products and E-Commerce related activities, and any promotions and related Content contained or referred to in your User Platform, and compliance with any laws applicable thereto. We are merely providing the platform for you to manage your online E-Commerce activities. We are not involved in your relationship and/or any transaction with any actual or potential buyer of your User Products. When someone purchases your User Products, the payments for such transactions will be processed through Carpfish Creative LLC Payments or through a third-party payment service provider (“Payment Provider(s)”). 7.2. Payment Providers You acknowledge and agree that Carpfish Creative LLC Payments (if available in your country) will be your default payment provider. The Carpfish Creative LLC Payments account shall be governed by the Carpfish Creative LLC Payments Terms of Service , which are hereby incorporated by reference. Please read these terms of use service prior to publishing your site and accepting payments. In addition, subject to territorial restrictions, you may accept payments with Apple Pay. By using Apple Pay, you accept and agree to the Apple Pay Platform Web Merchant Terms and Conditions. The processing of payments by other Payment Providers shall be governed by such Payment Provider’s terms of service. We are neither a party to nor are responsible in any way for your relationship with any such Payment Providers, or for the actions of any of these Payment Providers. 7.3. Events Depending on your plan, Carpfish Creative LLC may charge you service fees for event tickets sold through your site. You hereby agree to pay such fees, as required by Carpfish Creative LLC, and authorize Carpfish Creative LLC to instruct its payment processing partners or your Payment Provider, as applicable, to deduct such fees from your relevant transactions, or to otherwise collect such fees. 7.4. E-Commerce Acknowledgments and Warranties By using any of our E-Commerce features, you acknowledge, warrant and agree that: you are solely and fully responsible for all Taxes and fees of any nature associated with your E-Commerce activities, including any Taxes related to the purchase or sale of the User Products, and to collect, report and remit the correct amounts to the appropriate authorities and/or inform your End Users of such and provide them with a duly issued invoice as required by law; any Taxes indicated by the E-Commerce features provided to you by Carpfish Creative LLC are solely provided for illustration purposes only, and may not be relied on in any way; you are responsible for and bear all costs of procuring and delivering your User Products, and for providing them in a safe and professional manner, consistent with industry standards; you are solely responsible for any and all statements and promises you make and for all assistance, warranty and support regarding the User Products, and shall provide true contact information on your User Platform for any questions, complaints or claims; and you may not offer or sell any User Products, or provide any information, Content or material regarding User Products, which may be deemed hazardous, counterfeit, stolen, fraudulent, offensive or abusive; which are prohibited for sale, distribution or use; or which otherwise fail to comply with any applicable laws, including with respect to consumer rights, intellectual property or privacy rights, product safety, trade regulations and sanctions, support, maintenance and export; and – Carpfish Creative LLC may, at any time and at its sole discretion, suspend, disable access to or remove your User Platform and/or any User Products - whether or not incorporated, published with or made a part of your User Platform at such time, without any liability to you or to any End Users, including for any Capacity Loss resulted therefrom. 8. Video Services As part of the Carpfish Creative LLC Services, Carpfish Creative LLC may provide video services (such as Carpfish Creative LLC Video or Carpfish Creative LLC Pro Gallery) for managing videos on User Platforms (the "Video Services"). The use of the video services for your User Platform, may require that you receive a license to use certain patents from MPEG–LA (the "License"). It is your own exclusive responsibility to decide whether your activity requires a License and to obtain it. Information about the License can be obtained from Carpfish Creative. In addition to the aforesaid and in Section 13 of these Terms of Use and without any limitation of liability, you shall fully indemnify, defend and hold Carpfish Creative LLC its officers, directors, shareholders, employees, affiliates and agents, harmless from any and all damages and costs, obligations, losses, liabilities debt and expenses (including attorneys’ fees), as accrued, that arise out of or are related to infringement and/or misuse of the patent pool under the MPEG-LA consortium. If your needs require a more inclusive plan than those regularly offered by us, please contact our support team at: hr@carpfishcreative.com . 9. Third Party Services The Carpfish Creative LLC Services enable you to engage, connect, further develop and procure certain third-party services, products and tools for enhancing your User Platform and your overall user experience, including, without limitation, domain registrars from which you may purchase a domain name for your User Website, third party applications and widgets offered via the Carpfish Creative LLC Website (including the Carpfish Creative LLC App Market), third party Licensed Content, media distribution services, E-Commerce Payment Providers, sellers of tangible products, third party designers who may assist you with your User Platform, external databases, code packages, etc. (collectively, “Third-party Services”). You acknowledge and agree that regardless of the manner in which such Third Party Services may be offered to you (bundled or integrated within certain Carpfish Creative LLC Services, offered separately by Carpfish Creative LLC or persons certified or authorized by Carpfish Creative LLC, connected independently by you or otherwise offered anywhere on the Carpfish Creative LLC Services), Carpfish Creative LLC merely acts as an intermediary platform between you and such Third Party Services, and does not in any way endorse any such Third Party Services, or shall be in any way responsible or liable with respect thereto. Carpfish Creative LLC will not be a party to, or in any way be responsible for monitoring, any interaction or transaction between you and any Third-party Services. You acknowledge that such services may require the payment of additional amounts to Carpfish Creative LLC and/or to the providers of such Third-Party Services. Any and all use of such Third-party Services shall be done solely at your own risk and responsibility and may be subject to such legal and financial terms which govern such Third Party Services, which you are encouraged to review before engaging with them. If you use third-party services, tools, code, algorithms, databases, products, software or goods while using our Services, you declare that you act in compliance with their terms of use. For example, if you use YouTube while using the Services, you must comply with the applicable YouTube terms and its privacy policy as in the effective version as of the date of use of such services. While we hope to avoid such instances, Carpfish Creative LLC may, at any time and at its sole discretion, suspend, disable access to or remove from your User Account, User Platform(s) and/or the Carpfish Creative LLC Services, any Third Party Services – whether or not incorporated with or made part of your User Account and/or User Platform(s) at such time – without any liability to you or to any End Users. 11. Misconduct and Copyrights 11.1. Misconduct and Abuse When using Carpfish Creative LLC Services, you may be exposed to User Platforms, User Content or Third Party Services from a variety of sources, which may be inaccurate, offensive, objectionable or illegal. You hereby waive any legal or equitable rights or remedies you have or may have against Carpfish Creative LLC with respect thereto. If you believe a User or any Third Party Services acted inappropriately or otherwise misused any of the Carpfish Creative LLC Services, please immediately report such User and/or Third Party Service to us via this form. You agree that your report shall not impose any responsibility or liability upon Carpfish Creative LLC, and that Carpfish Creative LLC may consider such report and act upon it, refrain from taking any such action or require additional information or documents before doing so, at its sole discretion. #ItsThatEasy If you witness or experience any misconduct or abusive behavior by anyone using our services, please let us know. 11.2. Copyrights Carpfish Creative LLC acts in accordance with its interpretation of the Digital Millennium Copyright Act (“DMCA”). If you believe that your work has been copied or was otherwise used in a way that constitutes copyright infringement, you may notify us of such infringement via hr@carpfishcreative.com or otherwise provide the following information in writing to our designated Copyright Agent: (1) the contact details of the person authorized to act on behalf of the owner of the copyright; (2) a description of the copyrighted work that you claim has been infringed; (3) a description of the material that you claim to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information sufficient to permit Carpfish Creative LLC to locate the material (including URL address); (4) a statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and (5) a statement that the information in the notification is accurate and, under penalty of perjury, that you are the copyright owner or are authorized to act on behalf of the owner of a copyright that is allegedly infringed. Carpfish Creative LLC’s Copyright Agent can be reached at the following address: carpfishcreative.com Inc. 3310 Greenbrier St St. Paul, MN 55127 Attn: Copyright, HR Telephone Number: 1-612-584-9848 E-mail: hr@carpfishcreative.com In the event that Carpfish Creative LLC receives notice regarding a copyright infringement related to your User Platform or User Website, it may cancel your User Account, take your User Platform down or remove any Content in its sole discretion, with or without prior notice to you. In such case, you may file a proper counter-notice in accordance with Section 512 of the DMCA, in which you must include: (1) your full name, address, phone number and physical or electronic signature; (2) identification of the material and its location before removal; (3) a statement under penalty of perjury that the material was removed by mistake or misidentification; (4) your consent to an appropriate judicial body; and (5) any other information required under the relevant provisions of the DMCA. Any notices filed pursuant to this Section 9 may be deemed accepted, applicable and compliant with the DMCA, or not, at Carpfish Creative LLC’s sole reasonable discretion. Carpfish Creative LLC reserves the right to notify the person or entity providing the infringement notice of such counter-notice and provide any details included therein. 12. Disclaimer of Warranties We provide the Carpfish Creative LLC Services on an “As Is”, “with all faults” and “As Available” basis, without any warranties of any kind, including any implied warranties or conditions of merchantability, fitness for a particular purpose, workmanlike effort, non-infringement, or any other warranty – all to the fullest extent permitted by law. We specifically do not represent or warrant that the Carpfish Creative LLC Services (or any part, feature or Content thereof) are complete, accurate, of any certain quality, reliable or secure in any way, suitable for or compatible with any of your (or your End Users’) contemplated activities, devices, operating systems, browsers, software or tools (or that they will remain as such at any time), or comply with any laws applicable to you or your End Users (including in any jurisdiction in which you operate), or that their operation will be free of any viruses, bugs or other harmful components or program limitations. Moreover, we do not endorse any entity, product or service (including any Third Party Services) mentioned on or made available via the Carpfish Creative LLC Services – so please be sure to verify those before using or otherwise engaging them. Carpfish Creative LLC may, at its sole discretion (however it shall have no obligation to do so), screen, monitor and/or edit any User Platform and/or User Content, at any time and for any reason, with or without notice. Notwithstanding anything to the contrary in the foregoing, in no circumstances may Carpfish Creative LLC be considered as a “publisher” of any User Content, does not in any way endorse any User Content, and assumes no liability for any User Content uploaded, posted, published and/or made available by any User or any other party on and/or through the Carpfish Creative LLC Services, for any use by any party, or for any loss, deletion or damage thereto or thereof or any loss, damage, cost or expense that you or others may suffer or incur as a result of or in connection with publishing, accessing and/or relying on any User Content. Furthermore, Carpfish Creative LLC shall not be liable for any mistakes, defamation, libel, falsehoods, obscenity, pornography, incitement and/or any other unlawful and/or infringing User Content you or any other party may encounter. You acknowledge that there are risks in using the Carpfish Creative LLC Services and/or connecting and/or dealing with any Third Party Services through or in connection with Carpfish Creative LLC Services, and that Carpfish Creative LLC cannot and does not guarantee any specific outcomes from such use and/or interactions, and you hereby assume all such risks, liabilities and/or harm of any kind arising in connection with and/or resulting from such interactions. Such risks may include, among others, misrepresentation of information about and/or by Third Party Services and/or Licensed Content, breach of warranty and/or contract, violation of rights, and any consequent claims. Carpfish Creative LLC does not recommend the use of the Carpfish Creative LLC Services for hosting of personal content and shall not bear any security or integrity obligations or risks regarding breach or damage to any such content. Please note that certain Carpfish Creative LLC Services are currently offered in their BETA version, and undergoing BETA testing. In addition to the aforesaid, you understand and agree that certain Carpfish Creative LLC Services may still contain software bugs, suffer disruptions and not operate as intended or designated. Your use of the Carpfish Creative LLC Services at this BETA stage signifies your agreement to the above and to participate in such Carpfish Creative LLC Services’ BETA testing. We make no warranties regarding our services, including their quality, reliability, security, compatibility and conditions. We may monitor and edit your website and content. However, we are not to be considered a “publisher” of your content, we do not endorse your content, and will not be liable for any content used by you or anyone else. There are risks in using our services or anyone else’s services. You accept such risks. Some of our services are still in BETA, and may contain bugs or experience interruptions. 13. Limitation of Liability To the fullest extent permitted by law in each applicable jurisdiction, Carpfish Creative LLC, its officers, directors, shareholders, employees, affiliates and/or agents shall not be liable to you for any direct, indirect, incidental, special, punitive, exemplary or consequential damages whatsoever, including any damages resulting from (1) errors, mistakes, or inaccuracies of or in any content; (2) any personal injury or property damage related to your use of the Carpfish Creative LLC Services; (3) any unauthorized access to or use of our servers and/or any personal information and/or other information stored therein; (4) any interruption or cessation of transmission to or from the Carpfish Creative LLC Services; (5) the use or display of any Content or User Content posted, emailed, transmitted, or otherwise made available via the Carpfish Creative LLC Services; (6) events beyond the reasonable control of Carpfish Creative LLC, including any internet failures, equipment failures, electrical power failures, strikes, labor disputes, riots, insurrections, civil disturbances, shortages of labor or materials, fires, floods, storms, earthquakes, explosions, acts of God, war, terrorism, intergalactic struggles, governmental actions, orders of courts, agencies or tribunals or non-performance of third parties; and/or (7) loss of use, data, profits, goodwill, or other intangible losses, resulting from the use or the inability to use any or all of Carpfish Creative LLC Services. You acknowledge and agree that these limitations of liability are agreed allocations of risk constituting in part the consideration for Carpfish Creative LLC’s services to you, and such limitations will apply even if Carpfish Creative LLC has been advised of the possibility of such liabilities. 14. Indemnity You agree to defend, indemnify and hold harmless Carpfish Creative LLC, its officers, directors, shareholders, employees, affiliates and agents, from and against any and all claims, damages, obligations, losses, liabilities, costs, debt and expenses (including attorneys’ fees) arising from: (1) your violation of any term of these Terms of Use or any other Carpfish Creative LLC Terms; (2) your violation of any third party right, including any copyright, access rights, property, or privacy right, resulting from your User Platform or User Content and/or your use of the Carpfish Creative LLC Services, including, without limitation, Carpfish Creative LLC Services’ actions for your benefit; and/or (3) any other type of claim that your User Platform and/or User Content caused damage to a third party. 15. General 15.1. Changes & Updates Carpfish Creative LLC reserves the right to change, suspend or terminate any of the Carpfish Creative LLC Services (or any features thereof, or prices applicable thereto), and/or cancel your access to any of the Carpfish Creative LLC Services (including removal of any materials created by you in connection with the Carpfish Creative LLC Services) for any reason and/or change any of the Carpfish Creative LLC Terms with or without prior notice - at any time and in any manner. You agree that Carpfish Creative LLC will not be liable to you or to any third party for any modification, suspension or discontinuance of those Carpfish Creative LLC Services (or materials, content or services created, developed or connected by you in connection with the Carpfish Creative LLC Services). If any such changes involve the payment of additional or higher Fees, we will provide you with a notice regarding such additional or higher Fees prior to enabling such specific changes. If you fail or refuse to pay such additional or higher Fees, we may (at our sole discretion) cancel your User Account (as further explained in Section 6 above), continue to support your then-current Carpfish Creative LLC Services without enabling such changes, or provide you with alternative Services. The Carpfish Creative LLC Terms, the rights and remedies provided hereunder, and any and all claims and disputes related hereto and/or to the Carpfish Creative LLC Services, their interpretation, or the breach, termination or validity thereof, the relationships which result from or pursuant to the Carpfish Creative LLC Terms, or any related transaction or purchase, shall be governed by, construed under and enforced in all respects solely and exclusively in accordance with the internal substantive laws of the State of Israel, without respect to its conflict of laws principles. Any and all such claims and disputes shall be brought in, and you hereby consent to them being decided exclusively by, a court of competent jurisdiction located in St. Paul, MN. The application of the United Nations Convention of Contracts for the International Sale of Goods is hereby expressly excluded. Subject to any applicable law, all disputes between you and Carpfish Creative LLC shall only be resolved on an individual basis and you shall not have the right to bring any claim against Carpfish Creative LLC as a plaintiff or a member of a class, consolidated or representative actions (or any other legal proceedings conducted by a group or by representatives on behalf of others). Notwithstanding anything to the contrary in this Section 15.2, if you are located in the United States of America, (i) the legal jurisdiction governing all aspects of the payment transaction contemplated by Section 5 between you and Carpfish Creative LLC will be the State of New York, without respect to its conflict of laws principles, and (ii) any and all claims and disputes related to such payment transaction contemplated by Section 5 shall be brought in, and you hereby consent to them being decided exclusively by, a court of competent jurisdiction located in New York, New York. 15.3. Notices We may provide you with notices in any of the following methods: (1) via the Carpfish Creative LLC Services, including by a banner or pop-up within the Carpfish Creative LLC Website, User Account, or elsewhere; (2) by an e-mail, sent to the e-mail address you provided us; (3) if you are a Reseller User then via your Reseller; and/or (4) through any other means, including any phone number or physical address you provided us. Carpfish Creative LLC’s notice to you or to your Reseller will be deemed received and effective within twenty-four (24) hours after it was published or sent through any of the foregoing methods unless otherwise indicated in the notice. 15.4. Relationship The Carpfish Creative LLC Terms, and your use of the Carpfish Creative LLC Services, do not, and shall not be construed to create any partnership, joint venture, employer-employee, agency, or franchisor-franchisee relationship between Carpfish Creative LLC and you. We may provide you (or your Reseller, if you are a Reseller User) with notices via our services, by e-mail or through any other contact means you provided us. Accepting these terms and services does not form a partnership or any special relationship between us. 15.5. Entire Agreement These Terms of Use, together with the Carpfish Creative LLC Terms and any other legal or fee notices provided to you by Carpfish Creative LLC, shall constitute the entire agreement between you and Carpfish Creative LLC concerning the subject matter hereof or thereof, and supersede any and all prior or contemporaneous agreements, understandings, promises, conditions, negotiations, covenants or representations, whether written or oral, between Carpfish Creative LLC and you, including those made by or between any of our respective representatives, with respect to any of the Carpfish Creative LLC Services. You further agree that you are not relying upon any promise, inducement, representation, statement, disclosure or duty of disclosure of Carpfish Creative LLC in entering into any of the Carpfish Creative LLC Terms. These terms (together with additional terms) shall constitute the sole and entire agreement between us. 15.6. Assignment Carpfish Creative LLC may assign its rights and/or obligations hereunder and/or transfer ownership rights and title in the Carpfish Creative LLC Services and/or Licensed Content to a third party without your consent or prior notice to you. You may not assign or transfer any of your rights and obligations hereunder without the prior written consent of Carpfish Creative LLC. Any attempted or actual assignment thereof without Carpfish Creative LLC’s prior explicit and written consent will be null and void. In any event, an assignment or transfer pursuant to this Section ‎15.6 shall not in itself grant either Carpfish Creative LLC or you the right to cancel any Carpfish Creative LLC Services or Third Party Services then in effect If you are a Reseller User, then your subscription with the Reseller with respect to your User Account or User Platform (or any part thereof) may be assigned to Carpfish Creative LLC. You agree that if your subscription (or any part thereof) to a Carpfish Creative LLC User Account or User Platform with the Reseller is assigned to Carpfish Creative LLC, your continued rights to access and use your User Account and User Platform will be subject to these Terms of Use, in their entirety (as may be amended from time to time) and you consent to the full application of these Terms of Use, including without limitation, the billing and payment provisions contained herein. You agree that following any such assignment, you shall, upon request by Carpfish Creative LLC, provide such information as is required to secure payment for any Paid Services commencing after such assignment. If you are a Reseller User your User Account may be assigned to Carpfish Creative LLC. In such a case, if you’d like to continue to use your User Account - you agree to be bound by Carpfish Creative LLC Terms of Use and to provide Carpfish Creative LLC with any required information to secure payment for any Paid Services you purchase. 15.7. Severability & Waivers If any provision of the Carpfish Creative LLC Terms is deemed by a court of competent jurisdiction to be invalid, unlawful, void, or for any reason unenforceable, then such provision shall be deemed severable and will not affect the validity and enforceability of the remaining provisions. No Waiver of any breach or default of any of the Carpfish Creative LLC Terms shall be deemed to be a waiver of any preceding or subsequent breach or default. 15.8. Interpretation These Terms of Use were written in English, and translated into other languages for your convenience. You may access and view other language versions by changing your Carpfish Creative LLC Website language settings. If a translated (non-English) version of these Terms of Use conflicts in any way with their English version, the provisions of the English version shall prevail. 15.9. Customer Service Contact To get in touch with our Customer Service - please use any of the options listed below: Go to Carpfish Creative LLC Help Center which is available at: hr@carpfishcreative.com . Have any questions or suggestions? we’d love to hear them!

Elevate your cannabis business with customized HR solutions designed for compliance, team satisfaction, and operational efficiency. Cannabis HR Solutions delivers reliable managed HR, payroll, employee benefits, and specialized banking support for cannabis operators, from startup dispensaries to multi-state growers. Cannabis ERP Solutions (Seed-to-Sale) Seed-to-sale cannabis software is an end-to-end system that tracks cannabis from plant to finished product, automating compliance, inventory, and reporting. Carpfish Creative collaborates closely with Canix, a leading ERP-style platform in this space, utilized by hundreds of facilities across multiple states and countries. Cannabis ERP software is an all-in-one “command center” that unifies finance, inventory, production, compliance, and sales for cannabis operators into a single system. It goes beyond basic seed-to-sale tracking by tying operational data directly to financial and performance metrics so leaders can manage growth, risk, and profitability in one place. What is Cannabis ERP? Cannabis ERP (enterprise resource planning) software integrates core business processes—accounting, purchasing, inventory, production, compliance, and sometimes HR and CRM—into one centralized platform. Unlike standalone seed-to-sale tools, cannabis ERPs are designed to provide a holistic, end-to-end view of the business, from cultivation inputs through finished goods, invoices, and financial reporting. Key capabilities Supply chain and inventory: Real-time tracking of materials, plants, work-in-progress, and finished goods with lot/batch tracking and traceability from cultivation through sale. Compliance and seed-to-sale: Integrated seed-to-sale tracking, automated regulatory reports, and audit trails that support state-level reporting and rapid response to recalls or inspections. Financials and reporting: Built-in or integrated accounting for COGS, tax, and financial statements, plus dashboards for production efficiency, margins, and SKU performance. Quality and CRM: Quality control checks, lab result tracking, and customer relationship tools to align product quality and sales performance. Why operators use it Cannabis businesses adopt ERP to replace fragmented spreadsheets and point solutions with a single source of truth that improves efficiency and decision-making. Benefits typically include tighter compliance, fewer manual errors, better visibility into yields and costs, and faster, data-driven responses to market or regulatory changes. Canix ERP Seed-to-Sale Software Cannabis ERP (enterprise resource planning) software integrates core business processes—accounting, purchasing, inventory, production, compliance, and sometimes HR and CRM—into one centralized platform. Unlike standalone seed-to-sale tools, cannabis ERPs are designed to provide a holistic, end-to-end view of the business, from cultivation inputs through finished goods, invoices, and financial reporting. Key capabilities Supply chain and inventory: Real-time tracking of materials, plants, work-in-progress, and finished goods with lot/batch tracking and traceability from cultivation through sale. Compliance and seed-to-sale: Integrated seed-to-sale tracking, automated regulatory reports, and audit trails that support state-level reporting and rapid response to recalls or inspections. Financials and reporting: Built-in or integrated accounting for COGS, tax, and financial statements, plus dashboards for production efficiency, margins, and SKU performance. Quality and CRM: Quality control checks, lab result tracking, and customer relationship tools to align product quality and sales performance. Why operators use it Cannabis businesses are adopting ERP systems to replace fragmented spreadsheets and point solutions with a single source of truth, thereby improving efficiency and decision-making. Benefits typically include tighter compliance, fewer manual errors, better visibility into yields and costs, and faster, data-driven responses to market or regulatory changes.\ Who Canix Is Best For Identify ideal customers: multi-room cultivators, manufacturers with complex recipes, distributors managing many SKUs, and vertically integrated operators needing consolidated reporting. Note that Canix can also support smaller teams looking to graduate from spreadsheets while still maintaining tight compliance and accurate cost tracking Calculating Cannabis ERP Return on Investment (ROI) Return on investment (ROI) for seed-to-sale software is calculated by comparing the financial benefits (time savings, error reduction, higher margins, and avoided fines) against the full cost of the software and implementation over a defined period. The core math is straightforward, but the value comes from rigorously quantifying both hard and soft benefits in your operation. Core ROI Formula Use the standard “hard ROI” equation: ROI=Total Value of Investment−Total Cost of InvestmentTotal Cost of Investment×100ROI=Total Cost of InvestmentTotal Value of Investment−Total Cost of Investment×100. Define a time window, usually 12–36 months, so that both recurring subscription costs and ongoing savings are captured consistently. Step 1: Define Total Costs Include all technology costs: software subscription, implementation/onboarding, data migration, integrations, hardware (scanners, scales, label printers), and any incremental IT support. Add internal costs: project management hours, staff training time, and temporary productivity dips during go-live. Step 2: Quantify Hard Benefits Labor savings: estimate hours saved per role (cultivation, inventory, compliance, accounting, sales) from automation and better workflows, multiply by fully loaded hourly rates. Compliance savings: model avoided fines, destroyed inventory, and license risk by reducing non-compliance events through automated reporting and better audit trails. Inventory and yield gains: quantify reduced shrink and waste, higher yield visibility, and better stock turns using improved tracking and costing data. Step 3: Quantify Revenue / Margin Uplift Use ERP data to identify low-margin SKUs, high-cost processes, and unprofitable strains or products, then model margin improvement from changes made possible by software insights. Include incremental revenue from faster order processing, better fill rates, and improved customer retention due to fewer stockouts and more accurate fulfillment. Step 4: Build the ROI Model Sum all annualized benefits (labor savings + compliance savings + inventory/COGS improvements + revenue/margin uplift) to get “Total Value of Investment.” Subtract your total 1–3 year cost, divide by that cost, and express as a percentage to get ROI; test multiple scenarios (conservative, expected, aggressive) to stress test the decision. Have Needs? We should Talk > From looking to get into the cannabis industry, to A-Z sourcing for your project needs (including project management) we got you covered. Request Assistance

Starting a business can be both a rewarding and a challenging endeavor. Carpfish Creative Advisors has forged robust partnerships with esteemed professionals in the industry, including consultants, legal experts, technical service providers, and security specialists. Our mission is to assist you not only in safeguarding your business but also in effectively navigating the entire lifecycle of a profitable business model. Build the Business Side Once. Let the Crew Focus on the Work. Our ContractorFlow framework is positioned as a complete small-business advisory setup for SMB owners like electricians, plumbers, HVAC teams, remodelers, roofers, landscapers, brokers, agents, and other specialty trades. It covers company formation, banking, invoicing, payment capture, payroll, tax planning, compliance, AI automation, sales/marketing, and day-to-day operations in an SMB format. From starting your small trade business to simplifying running your daily operations, our advisors and buyer agents have you covered. Get paid faster. Tap, text, invoice, ACH, financing, recurring service plans. Stay compliant. State registrations, labor rules, licensing, contracts, payroll controls. Work smarter. AI dispatch, estimate drafting, collections reminders, and admin bots. Our Solution Options A Launch Package Business formation, website/logo, registrations, licenses, banking, merchant accounts, invoice setup, and CRM onboarding. B Operations Package Time tracking, payroll, certified payroll workflows, 1099/W-9 collection, bookkeeping sync, sales tax support, and KPI reporting. C Growth + AI Package Marketing campaigns, AI assistants, automations, financing workflows, service-plan retention, dashboards, and executive advisory. Have Needs? We should Talk > From looking to get into the cannabis industry, to A-Z sourcing for your project needs (including project management) we got you covered. Request Assistance Business Creation & Launch. Launch a trade business the right way This section should frame your business-creation service as more than filing paperwork. It is a guided setup that creates the legal, financial, and operational foundation the owner needs before the first invoice goes out. Form the entity. LLC or corporation selection guidance, articles filing, EIN, operating agreement, ownership structure, and registered-agent setup. Register the business. State tax registration, sales-tax account where needed, local business licenses, contractor license mapping, DBA filings, and certificate tracking. Build the finance stack. Business bank account, payment processor, bookkeeping connection, chart of accounts, invoice templates, deposit logic, and funding options. Go operational. CRM, job intake forms, scheduling workflows, estimate templates, service agreements, and customer communication automations. Example Launch Deliverables Position these as done-for-you or done-with-you implementation blocks. Entity formation roadmap EIN and registration checklist Insurance and COI intake License and renewal calendar Banking and merchant setup Invoice and estimate templates Field-service workflows Owner dashboard and KPI baseline Complaince Matters. Protect the shop before problems start Our tools and solution partners are designed to get contractors paid quickly and consistently, while reducing admin time and missed follow-up. Contractor license tracking State registration checklist Local permit workflow notes Employee onboarding records Independent contractor document vault Insurance cert and policy reminders Contract templates and e-sign routing Audit trail for payroll and approvals Complete HR. From hiring to Payroll, credits, and cleaner tax prep This part of the site should reassure owners that payroll and tax management are handled with trade-specific realities in mind: multi-crew labor, field time capture, subcontractors, and job-cost coding. Time tracking is tied to jobs, crews, departments, and service types. Payroll workflows for employee and subcontractor document collection. Sales-tax support, 1099/W-9 handling, and year-end readiness. Tax-credit review opportunities for equipment, hiring, training, and energy-focused upgrades where applicable. Bookkeeper, CPA, or payroll-partner collaboration baked into the setup Hiring + Onboarding Assistance Complete Money Engine. Maximize payment taking and tighten cash flow Our tools and solution partners are designed to get contractors paid quickly and consistently, while reducing admin time and missed follow-up. Revenue workflow. Estimates and proposals. Digital estimates, optional packages, approval links, deposits, and e-sign acceptance. Show that a lead can move from quote to signed work order without chasing paper. Faster close rates and fewer stalled jobs. Invoices and progress billing. Milestone invoices, recurring maintenance invoices, retainage logic, and change-order billing. Billing that fits both service calls and larger project work. Cleaner receivables and clearer job profitability. Payment collection. By Card, ACH, tap-to-pay, text-to-pay, financing links, saved payment methods, and autopay plans. Position payment capture as a revenue accelerator, not simply a checkout feature. Higher collection speed and reduced friction for customers. Books and reporting. Bookkeeping sync, job costing categories, margin dashboards, open-invoice aging, and cash snapshots. Owner-level visibility without needing a controller on day one.Better decisions on labor, pricing, and growth. Banking and Funding Network. Hardware, software & equipment procurement assistance. On-site ATM options if needed. AI Tools, Research & BOT Automation. Set it and forget it worker aids. AI should be presented as an operator’s assistant, not a gimmick. The website should show specific contractor use cases that free up owners, office managers, and dispatch teams. Lead response bot. Answers inquiries, qualifies basic job details, books callbacks, and routes urgent service requests fast. Estimate assistants. Draft scopes, customer-ready estimate summaries, and change-order language based on field notes. Collections nudges. Sends reminder sequences for deposits, overdue invoices, financing follow-ups, and recurring plan renewals. Benchmarking tools for competition Back-office Co-pilots This is the most compelling AI story for the site: a bot layer that summarizes calls, organizes job documents, drafts customer updates, flags missing compliance items, prepares invoice notes, and surfaces the next admin action for the office team. Dispatch summaries and technician recap generation. Document extraction from licenses, W-9s, and insurance files. Compliance reminder bot for renewals and notices. Daily owner briefing with jobs, cash, approvals, and risk flags.

Starting a cannabis business can be rewarding yet challenging. Carpfish Creative Advisors has formed strong partnerships with top professionals in the cannabis industry, including consultants, legal experts, technical service providers, and security specialists. Our mission is to help you not only secure your cannabis license but also successfully navigate the entire lifecycle of a profitable business.  Your Solutions Group is Only as Good as Their Network Carpfish Creative Advisors has formed strong partnerships with top professionals in the cannabis industry, including consultants, legal experts, technical service providers, and security specialists. Our mission is to help you not only secure your cannabis license but also successfully navigate the entire lifecycle of a profitable business. Starting a cannabis business can be rewarding yet challenging. It requires careful planning and a solid understanding of legal and regulatory requirements. Key steps include addressing legal considerations, developing a business plan, securing financing, and implementing marketing strategies. With support from Carpfish Creative Advisors, you can confidently tackle the complexities of launching and operating your cannabis business. Business Creation, Application & Licenses Getting a cannabis license can be complicated, but having the right help makes it easier. Whether you're starting a dispensary, a growing facility, or a manufacturing business, you need a skilled team to guide you. Our experts assist businesses in obtaining licenses while following state and local laws. We work with partners like Cannaspire , CannDelta , and Canna Advisor s , among others. We offer a range of services, including help with state and business filings, employee and tax services, creating your brand, and managing your operations. We also provide important documents like financial statements and employee handbooks. Additionally, we support community events and government initiatives and offer print and digital media services. Looking to buy or sell your cannabis business/license? We also help clients through this process. LEARN MORE Cannabis Funding & Banking The cannabis industry necessitates considerable capital investment due to substantial startup expenses, including licenses, equipment, legal fees, and real estate, along with ongoing operational costs. Traditional bank loans are predominantly inaccessible to cannabis businesses owing to federal regulations; therefore, it is essential to explore alternative financing options. Potential funding sources include cannabis-specific lenders such as our direct partners FundCanna and LoanVisor, as well as investors, cannabis banks, credit unions, grants, rebates, and crowdfunding platforms. Our advisory services are available to assist you in identifying and accessing the most suitable financing pathways for your cannabis venture. LEARN MORE Project & Event Management Carpfish Creative offers a comprehensive range of project management services specifically designed for small and medium-sized enterprises, with a particular emphasis on high-risk sectors such as cannabis, gaming, and hemp/CBD. Our methodology integrates business consulting, technology integration, and strategic partnerships with leading providers of project management software to deliver solutions that are efficient, scalable, and compliant with industry regulations. Our project management solutions address several critical areas, including consulting and advisory services, the selection of optimal project management tools, document and data management, as well as tools for team collaboration and communication. LEARN MORE Organization Solutions & Rapid Network Buildouts By integrating the capabilities of our established Creative Network with our deployment services focused on network development, we empower cannabis enterprises to operate efficiently while simultaneously broadening their professional connections. This strategy ultimately fosters growth and success in the increasingly competitive cannabis market. The following outlines our areas of assistance: Industry Insights Leading Partnerships and Collaborative Opportunities Compliance and Regulatory Support Participation in Industry Events LEARN MORE Caputuring Payments In Cannabis Carpfish Advisors facilitates connections between premier brands and the Midwest marketplace through our extensive network of national partners. As advisors, we provide customized solutions that align with your business model. Upon the launch of your projects, the Carpfish Creative Advisor will ensure that you continuously utilize optimal solutions for your business model while achieving the lowest possible costs. Our offerings include: Cannabis-specific point-of-sale systems Payment processing solutions for both cannabis and non-cannabis transactions E-commerce and third-party sales platforms Seed-to-sale systems (Cannabis ERP) in collaboration with Canix Payment services for all business types, including government and other high-risk entities On-site ATM services LEARN MORE: TAKING CARD PAYMENTS | ONSITE ATMS Human Resources (Onboarding to 401k) Hiring the right team is critical to the success of your cannabis business. Look for individuals who are knowledgeable about cannabis, and be sure to provide training on: Compliance: Employees must understand and follow local, state, and federal regulations, such as age verification, product labeling, and safety protocols. Customer Service: In retail businesses, customer service is key. Ensure your staff is knowledgeable and helpful in answering customer questions. Make sure your partners do the same. Product Knowledge: Whether you're selling cannabis flower or edibles, your employees should understand the products’ effects, dosages, and best uses. Company Documentation, such as Employee Handbooks, etc. Employee Background Checks (Verified and Non-Verified) Setting up Payroll, Bookkeeping, and Human Resource Services LEARN MORE Brand, Marketing & Sales Enablement Branding and marketing are crucial for the success of your cannabis business. Here are some ideas: Creating a Brand Identity: Develop a strong brand that resonates with your target market. This includes a memorable logo, brand colors, and consistent messaging. Website & E-commerce: Create an online presence with a website where customers can learn about your products and services. If you are in retail, consider offering an online store for delivery or pickup. Social Media: Cannabis businesses can face advertising restrictions on platforms like Facebook or Google. However, you can still leverage platforms like Instagram, Twitter, and LinkedIn to engage with customers and build awareness. Develop/manage campaigns to boost overall brand or new products Community Engagement: Sponsor or participate in local events, offer educational workshops, or collaborate with influencers to spread the word about your business. Print and Digital Design Services LEARN MORE Hardware/Software/Equipment Procurement We ensure that you have the right systems in place for your business model to thrive. Our commitment goes beyond establishing excellent initial contracts; we also monitor them closely over time. This vigilance helps you avoid overpaying and maximizes your revenue potential. We achieve this by collaborating with both local and national partners. Hardware & Software Selection Business Security & Risk Assessment Commercial Real Estate Managed IT & Security, Event Security Commercial Cannabis Construction Compliance and Legal Services Insurance Selection Business AI Tools & Technology Wholesale, Delivery & Transportation Services Government Tax Credit Programs & Grants Constructing a Framework for Ongoing Success Once your business is up and running, it’s important to regularly assess performance and adapt as needed: Business AI Tools & Technology Financial Monitoring: Regularly track your cash flow, expenses, and profits. Ensure you stay on top of your tax obligations, as the cannabis industry is often taxed at higher rates. Customer Feedback: Gather customer feedback through surveys, reviews, and direct communication to ensure your products and services meet their needs. Compliance Updates: Stay informed about changes to local and state regulations, which may impact your business operations. Unlike other industries, not staying up-to-date on compliance and rule changes could cost you your business! Scaling your Product Line: Offer additional cannabis products like tinctures, topicals, or wellness-related products. Open Additional Locations: If you’ve built a successful operation in one area, consider expanding to new cities or states. Develop Partnerships: Collaborate with other businesses in the cannabis ecosystem, such as cultivators, manufacturers, or delivery services, to offer more value to your customers. Have Needs? We should Talk > From looking to get into the cannabis industry, to A-Z sourcing for your project needs (including project management) we got you covered. Request Assistance

Simplify high-risk merchant accounts with our secure solutions. Accept payments effortlessly and enhance your business today. Accepting High-Risk Payments, No Prolbem. Cannabis, CBD, Nutraceuticals, Travel, Online guns, and ammo, Tribal, Collections, IT support, online pharmacies, Payday loans, Online tobacco/Vape/E-Cigs, Financial services, Forex, the adult industry, among others. More and more industries are being classified as high-risk. 83% of Americans between 30 and 49 years old own a credit card. Most consumers prefer card payments (either debit or credit) over cash, and only 10% make all their purchases with cash. It’s obvious why dispensary owners are desperate to accept cards. To play, press and hold the enter key. To stop, release the enter key. In-Store Payments Online Payments Mobile Payments Blockchain, Crypto Custom Ingtegration ATM/Kiosks Payment Hardware Gift and Loyalty The Risks Associated with Credit Card Payments in the Cannabis Sector Navigating the cannabis industry can lead some to think that anything is permissible, including credit card processing. However, this seemingly safe option carries significant risks that could jeopardize your dispensary. For instance, a dispensary might start accepting credit cards, seeing a spike in sales, only to later find their merchant account shut down. This could freeze all payments processed recently, as they might not have fully transferred yet. Even in states where cannabis is legal, credit card companies view cannabis businesses as "high-risk" and have algorithms to flag related transactions. This means it's only a matter of time before your account gets flagged. The fallout can be severe: not only could you lose recent revenue and your merchant account, but you may also be blacklisted from future credit card processing. Additionally, state authorities could investigate your regulatory compliance, leading to costly violations that might put your license at risk. In short, engaging in credit card processing could quickly push a dispensary out of business. See Platform Status Cannabis Payments Point of Banking, ACH, Pin Debt, Credit Cards, Blockchain, Crypto CBD/Hemp/Psilocybin Payments Delta Derived Products, Vapes, Pet Products, Supplements, Pain Relief, Hemp Oils, Skincare, Teas, etc. Gaming Payments Credit Repair, Beauty & Fitness, Healthcare, etc. Adult Content Payments Adult novelties, Toys, Books, and Magazines Videos, DVDs, streaming, Content websites including webcam services, etc. Specialty Businesses Travel Agencies, Credit Repair, Collections, Telemedicine, Firearms, Tech Support, etc. When choosing a high-risk payment platform, consider factors such as: The specific needs of your industry Pricing structure and fees Available payment methods and currencies Fraud prevention tools Customer support quality Integration capabilities POS Payment Overlay Ticketing & Events Digital Storefronts E-Commerce Invoicing for the Digital Age Smart Consignment Types of High-Risk Payments Blockchain & Digital Payments Blockchain payments offer a promising solution for the cannabis industry, addressing several challenges faced by businesses in this sector. By leveraging blockchain technology, the cannabis industry can potentially overcome banking restrictions, improve transparency, and enhance overall operational efficiency. Digital Transactions . Blockchain technology enables cannabis companies to conduct digital transactions without relying on traditional banking systems. This is particularly beneficial as many federally licensed banks are prohibited from accepting marijuana money due to federal regulations. Cryptocurrency Payments. Cannabis businesses can accept cryptocurrency as an alternative payment option, reducing their reliance on cash-only transactions. This can lead to fewer theft crimes and improved safety for dispensaries. Transparent Record-Keeping . Blockchain provides a transparent, publicly accessible, and immutable ledger that contains records of every transaction. This allows for: Real-time notification of transactions, Automated remittance, and Regulatory institutions to verify the legality of transactions in real-time. Supply Chain Tracking. Blockchain technology can be used to track cannabis products from seed to sale, ensuring transparency and accountability throughout the supply chain. This includes recording cultivation details, testing results, and distribution information. Reduced Transaction Fees. Blockchain payments typically have lower transaction fees compared to traditional digital banking methods, benefiting both buyers and sellers. Enhanced Security and Privacy. The technology provides an extra layer of data encryption, ensuring buyer privacy and preventing fraud. It also offers instant transactions and verifiable sto rage of data. ACH Transfers This digital payment process enables transfers through ACH (Automated Clearing House), allowing money to move between banks without the need for checks, wire transfers, or cards. Businesses can promptly verify funds and receive direct transfers from customer accounts. However, accepting ACH payments may require third-party solutions, and integrating your POS system with the ACH payment solution can improve the customer experience. How it Works: Customer Enrollment Initial Setup: Customers must enroll in the ACH payment system, usually through a mobile app provided by the dispensary or a third-party payment processor. Bank Information: Customers provide their bank account details during enrollment, including routing and account numbers. Verification: The system verifies the customer's bank account to ensure its validity and ability to process ACH transactions. How it Works: Transaction Process Initiation: When making a purchase, the customer initiates the payment through the app or by scanning a QR code at the dispensary. Authorization: The customer authorizes the transfer of funds from their bank account to the dispensary's account. Processing: The transaction is processed through the ACH network, which facilitates the direct bank-to-bank transfer. Settlement: Funds typically settle within 1-2 business days, improving cash flow for dispensaries. Benefits for Cannabis Businesses Compliance: ACH payments are fully compliant with state and federal cannabis regulations, unlike traditional debit and credit card payments. Security: The ACH network is highly regulated, offering robust fraud protections and security measures. Cost-Effective: ACH transactions typically have lower fees compared to other payment methods. Flexibility: Customers can pay online (pre-payment) or in-store using payment links or QR codes. Increased Sales: Dispensaries implementing cashless payments often see an average increase of 20% in order value. Point of Sale (POS) Integration For a seamless experience, dispensaries often integrate their ACH payment solution with their POS system. This integration allows for: Real-time data syncing Automated checkout process Reduced manual data entry Direct fund transfer at the point of sale PIN Debit PIN debit for high-risk businesses operates similarly to standard debit transactions but with some key differences: Transaction Process: Customers swipe or insert their debit card and enter their PIN, just like a normal debit purchase. Additional Fee: An extra fee (e.g., $3.00) is typically added to the transaction amount. Hardware Requirements: Businesses need specific hardware, such as a terminal and PIN pad bundle. Direct Bank Transfer: Funds are transferred directly from the customer's bank account to the merchant's account, bypassing credit card networks. Lower Interchange Rates: PIN debit transactions often have lower interchange rates due to the Durbin Amendment, which caps these fees. Network Routing: Transactions are routed through PIN debit networks rather than credit card networks like Visa or Mastercard. POTENTIAL RISKS FOR USING PIN DEBIT However, for high-risk industries like cannabis, PIN debit carries significant risks: Compliance Issues: Major card networks prohibit cannabis transactions, making PIN debit potentially non-compliant. Transaction Misclassification: Processors may misclassify transactions to avoid detection, which is not transparent or sustainable. Higher Fees: Some processors charge excessive fees, significantly higher than standard retail rates. Potential Shutdown: There's a risk of sudden service termination if the processor is discovered facilitating prohibited transactions. Point of banking (POB) Point of banking, also known as a "cashless ATM," is a payment method that has become popular in the cannabis industry. It allows customers to access their bank accounts directly at the point of sale, similar to an ATM transaction. Customers typically pay in increments of $5, or the nearest dollar in some systems. If the transaction doesn't result in a round figure, the difference is provided in change, often leading to increased tips for the budtender. Customers also incur a convenience fee on top of the rounded total. Integrating this process with your point-of-sale system mimics a traditional debit card transaction for customers and simplifies the checkout experience for dispensaries. However, be cautious of non-integrated cannabis payment solutions, as they can lead to significant costs. How POB processing works The customer provides their payment details at the POB terminal The POB terminal processes the transaction The POB terminal charges a small convenience fee to the cardholder The POB terminal issues a receipt to the customer and the merchant Benefits of POB processing Reduced fees POB processing can reduce transaction fees compared to traditional credit card processing Cashless experience POB machines don't dispense cash, so customers can pay for products or services without cash Security POB terminals often only allow PIN-based transactions, which can provide security for merchants Have Needs? We should Talk > From looking to get into the cannabis industry, to A-Z sourcing for your project needs (including project management) we got you covered. Request Assistance

Streamline your payments with our b2b payment automation solutions. Enjoy secure, efficient, and integrated payment options today. Go Virtual & Accept Payments with paymentshub Carpfish/North exceeds traditional payments by providing a complete suite of tools for managing employees, customers, and businesses through a secure, state-of-the-art portal.-art portal. Manage customer satisfaction, monitor the competition, and build a stronger online reputation with Reputation Management in Payments Hub. You have dedicated numerous hours to building your business and making decisions at every turn. Now, it's essential to ensure that your choice of payment method maximizes your monthly profits. Carpfish Creative's advisors assist businesses in identifying the best payment solutions, including point-of-sale (POS) systems that seamlessly integrate with various methods of accepting payments such as credit cards, debit cards, EBT, mobile payments, and invoicing. This simplifies the process for both the business and the customer, while also offering industry-leading security and PCI compliance options. What Can You Do in Paymentshub? Take orders online or over the phone and process payments on the spot Simply enter a sale amount or select from your inventory, key in your customer’s credit card details, and you’re done. Level up with L2 and L3 data. Reduce interchange rates when receiving B2B and B2G payments by including supplemental transactional data for commercial or corporate cards. Send & Track your paid, unpaid, and overdue invoices. Your invoices are easy to filter, sort, and track. Send payment reminders for late or outstanding invoices, and mark invoices paid in person as complete. Provide customers with their payment portal. Your customers will have access to a secure payment portal with your branding where they can make payments, manage saved payment methods, and see their payment history. Save Information and ACH for future needs. Send secure payment links without requiring customers to create accounts. Save payment methods on file and enable autopay. Accept Apple Pay payments.' Dispute management made easy. View and manage chargebacks directly and quickly accept or rebut disputes. Simple and Powerful Recurring Billing. Recurring billing solutions automate your payments, which frees you up to focus on business. Not only does this simplify operations, but it also increases cash flow. These automated billing systems are ideal for many transactions, including subscriptions, memberships, and rent. Reputation Management: Manage Customer Satisfaction, Monitor the Competition, and Build a Stronger Online Reputation In today’s business world, having a strong online presence is crucial. With modern consumers relying heavily on online reviews, it's essential to have the right review management software. A strong online presence significantly impacts your business’s success, making access to the correct reputation management software vital. Fortunately, Payments Hub Reputation Management provides the tools needed to take charge of your online reputation and enhance your brand, all from your back office. Key features include: - Insights into your rating on review sites - Real-time viewing and responding to customer reviews - Custom quick replies for faster customer response - Notifications for new customer feedback - Monitoring the competition to gauge your performance

Getting a cannabis license can be complicated, but having the right help makes it easier. Whether you're starting a dispensary, a growing facility, or a manufacturing business, you need a skilled team to guide you. Our experts assist businesses in obtaining licenses while following state and local laws. We offer a range of services, including help with state and business filings, employee and tax services, creating your brand, and managing your operations. Business Creation, Application & Licensing Carpfish Creative collaborates directly with leading national advisors to manage national applications and licensing for Carpfish Clients. Once the license is secured, Carpfish Advisors will proceed with the ongoing success plan, connecting clients with our extensive network to tailor operations based on their unique needs. We also provide regional assistance to Canna Advisors, Cannaspire, and others during the application process under a contractor relationship. We are committed to delivering the same exceptional, boutique-style service that is reflected in our partnerships. We offer a wide range of services for dispensaries, manufacturing, cultivation, compliance, technology, hiring, and training, catering to businesses of all sizes. How Are Applications Typically Scored? Each state that moves forward with a recreational or medical cannabis business comes up with its unique plan, usually based on either a point system or a lottery system. A General Outline that most States follow includes: Status as a Social Applicant (Can be up to 20% on point systems). The impact of cannabis prohibition, such as arrest and/or imprisonment of the applicant or an immediate family member, would grant social equity status. Status as a Veteran or Retired National Guard Business Plan & Financials Security Plans Record Keeping & Compliance Plan Employee Training Plan (Pre and Ongoing) Labor & Employment Practices Environmental Plan Community Outreach/Involvement What Should I do to Start Preparing? Business Planning and Documentation Develop a comprehensive business plan that includes: Product offerings and marketing strategies Financial projections and funding sources Operational details and growth anticipation Record-keeping methods Prepare essential documents: Proof of legal possession of your business premises, Trade name registration, Partnership, operating, or shareholder agreements (if applicable), and Environmental plan. Security plan and drawings Legal and Regulatory Compliance Form your business entity and register with the state. Obtain a federal tax ID number (EIN) and appropriate state IDs. Research and understand Minnesota's cannabis regulations Prepare for background checks for all owners and key personnel Location and Operations Identify a suitable location that complies with local zoning ordinances. Develop detailed operating procedures, including: Employee training plans, Security measures, Product tracking and inventory management, Waste disposal protocols Financial Preparations Secure adequate funding for startup costs and ongoing operations Prepare financial records and accounts for the business Social Equity and Community Impact If applicable, gather documentation to support the social equity applicant status Develop plans for diversity in ownership, management, and employment Create a positive impact plan for the local community Application-Specific Preparations Familiarize yourself with the application process and requirements Gather personal information for all owners and key personnel Prepare a knowledge and experience statement highlighting relevant expertise Develop a labor and employment practices plan Focusing on these areas will prepare you well for the Minnesota cannabis business license application process. Remember to stay updated on any changes in regulations or application procedures as the industry evolves. Cannabis License Sales Services Whether you are looking to buy or sell a cannabis license, we provide expert guidance and an unparalleled network to support your success. We work with top brokers across the U.S. for broad reach and access. Our Process Consultation & Assessment. Confidential review of your goals and market position. Market Matchmaking. Leveraging our broker network to identify ideal opportunities. Transaction Execution. End-to-end management of negotiations, contracts, and compliance. Post-Transaction Support. Help with license transfer, continued compliance, and operational ramp-up. For Buyers Identification of available licenses nationwide. Due diligence and compliance assessment. Negotiation and transaction management. Transition assistance post-purchase. For Sellers License valuation and market positioning. Access to pre-qualified buyers. Discreet and strategic listing services. Guidance through closing and regulatory transfer. For Investors View and connect with license holders looking for investment help. Access to slide decks, financials, etc. Have Needs? We should Talk > From looking to get into the cannabis industry, to A-Z sourcing for your project needs (including project management) we got you covered. Request Assistance

Discover expert cannabis event planning services tailored for your needs. Let us help with cannabis event planning and business growth. Marketing Services that Produce Results As a small business owner, you have a lot on your plate. One of your biggest tasks is finding new customers, also known as marketing. Everything you need – website, email, social media, events, and more – all in one place. We also team up with other creative folks, such as the Opulence team. Smart folks we work with: Looking to Expand Your Reach? We should Talk. Organization Management Solutions Have a group and are looking to organize and expand it. Starting at just $99/month, Crapfish Creative gives you a way to change your organization's game. From offering a secure place to chat to offering memberships, events, and even ticketing, our organization management tool can scale any organization looking to get the leg up. Some features include: Website Home We have templates, or we can create custom looks Initial organization setup (if needed) logo creation, site setup Community Blog + News + Forum Self-moderated or we can, NO SLACK! Include outside guest collaborators (starts with 5) SEO customization Calendar option included Create community badges (VIP member, etc) Offer Memberships (community, vendor, government) Offer free accounts to paid memberships Breakdown by Groups (community, vendors, etc) Offer referral codes to partners ACH for recurring payments Complete Event Management Create ticketed and RSVP events Create forwarding events to partners Integrate Ticketing, Check-in, and Point of Sale (+payments) Create single, recurring, or custom list events. Ability to add Zoom Create agendas, assign rooms, equipment, and instructors Integrate with the Eventbrite platform Complete Online Storefront Unlimited Categories Option to extend to an Amazon storefront Customer CRM Create and track all activities Email marketing Create and pay invoices Assign to groups, membership classes Access to Customer AI GTP (additional charge) We can create GTPs that will help answer most questions Custom AI bot creation for marketing, onboarding, and more Integration into the Creative Network Take advantage of our funding, payments, payroll, security, advisory, compliance, and more existing national business network relationships. Access to sepecial vendor discounting Events, Event Advising & Project Management By combining the capabilities of GreenSpacePro with our network-building services, we empower cannabis businesses to operate efficiently while expanding their professional networks, ultimately driving growth and success in the competitive cannabis market. Our firm specializes in leveraging GreenSpacePro to not only manage cannabis operations efficiently but also to help clients build robust professional networks. Learn more about project management and the solutions we use. Benefits of Our Network Building Services Access to New Opportunities: Our network opens doors to new business opportunities, partnerships, and collaborations. Staying Informed: Clients stay updated on industry trends, regulatory changes, and emerging technologies. Reputation Building: By ensuring compliance and operational excellence, we help clients build a strong reputation within the industry. Rapid Network Buildouts With the Creative Network, along with our proven network-building services, we empower cannabis businesses to operate efficiently while expanding their professional networks, ultimately driving growth and success in the competitive cannabis market. Our firm specializes in leveraging multiple solutions to not only manage cannabis operations efficiently but also to help clients build robust professional networks. Here’s how we assist: Networking Strategies Industry Insights: We connect clients with industry leaders and experts, providing access to valuable insights and best practices in the cannabis sector. Partnerships and Collaborations: Our network facilitates introductions to potential partners, suppliers, and collaborators, enhancing business opportunities and growth. Compliance and Regulatory Support: By ensuring compliance with regulatory standards, we help clients build trust and credibility within their network, fostering long-term relationships. Event Participation: We encourage participation in industry conferences and events, where clients can engage with peers, share knowledge, and expand their professional network. Benefits of Our Network Building Services Access to New Opportunities: Our network opens doors to new business opportunities, partnerships, and collaborations. Staying Informed: Clients stay updated on industry trends, regulatory changes, and emerging technologies. Reputation Building: By ensuring compliance and operational excellence, we help clients build a strong reputation within the industry. 📌Quick Tips: Creating & Building Your Brand 📌Quick Tips: Creating Your Marketing Strategy Building a strong brand is crucial for any new business. Your brand is essentially your company's identity - it's how consumers will recognize and remember your business. Here are some key steps you can take to build a strong brand: Define your brand - Determine what your business stands for, what makes it unique, and what kind of impression you want to make on customers. This will help you create a clear and consistent message across all your marketing materials. Develop your brand voice - Think about how you want to communicate with your audience. Whether you choose a conversational tone or a more formal approach, it's important to be consistent in your tone and messaging. Create a visual identity - Your logo, color scheme, and overall visual style should be consistent across all your marketing materials. This will help customers recognize your brand more easily. Establish your online presence - In today's digital age, it's crucial to have a strong online presence. Make sure your website and social media profiles reflect your brand identity and are easy to navigate. Build brand loyalty - Once you've established your brand, focus on building strong relationships with your customers. Offer exceptional customer service, engage with your audience on social media, and create loyalty programs to keep customers coming back. Marketing strategy research, analytics, and consulting services are essential for start-ups and established organizations to thrive, gain market share, grow, and achieve profitability. By devising a well-designed marketing plan, businesses can achieve their objectives through proper evaluation, strategy, and planning. It is significant to note that marketers who plan out their marketing campaigns are over 250% more likely to report success. Here's how marketing consultants can help you achieve success: Marketing Analysis . Accurate analysis of marketing efforts and website performance is crucial. Marketing consultants review and analyze reports and performance to identify areas for improvement. Marketing Planning. Marketing involves a comprehensive approach with multiple tactics at play simultaneously. Proper planning is necessary to ensure success. Marketing consultants help clients plan marketing campaigns and efforts. Marketing Campaigns . After analysis and planning, campaigns should be deployed. Digital marketing consultants assist clients in finding quality vendors and service providers to successfully launch and manage marketing campaigns. Managed Marketing . Managed marketing services yield better results. Marketing consultants work on behalf of clients with marketing service providers to improve the results of marketing campaigns through expert management. Have Needs? We should Talk > From looking to get into the cannabis industry, to A-Z sourcing for your project needs (including project management) we got you covered. Request Assistance

Carpfish Creative recorded Zoom Q&A sessions with business partners and professionals from high-risk industries such as cannabis. 1/6/2026: Minnesota & Federal Cannabis Updates Q/A with Cannaspire 1/6/2026: Federal/MN Market update with Cannaspire Play Video Facebook Twitter Pinterest Tumblr Copy Link Embed Video Link Copied 1/8/2026: Retail & Cultivation Buildouts with Studio Bliss & Meta Commercial Cannabis Zoom Q&A: Retail & Cultivation Buildouts with Studio Bliss & Meta Commercial Cannabis Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied 1/15/2026: Cannabis HR Solutions with Green Leaf Business Solutions Q&A ...COMING SOON 1/20/2026: Cannabis Funding and Banking with FundCanna & Safe Harbor Q&A Zoom Q&A: Banking & Funding with FundCanna and Safe Habor Play Video Facebook Twitter Pinterest Tumblr Copy Link Embed Video Link Copied Zoom Meetup with Fund Canna & Safe Harbor 00:00 / 47:09 Meeting Quick Recap ----------------------- The meeting focused on banking and funding solutions in the cannabis industry, with discussions centered around Safe Harbor's Synergy product and FundCanna's ReadyPaid system for improving cash flow management. Key speakers Terry and Sal presented various financial services and products, including lines of credit, buy now pay later options, and banking services, while highlighting the challenges faced by cannabis businesses in accessing traditional financial services. The conversation also covered potential industry changes through cannabis rescheduling and its impact on banking options, tax relief, and investment opportunities in the sector. Cannabis Banking and Funding Solutions The meeting focused on banking and funding in the cannabis industry, with Carp introducing Terry from Safe Harbor and Sal from FundCanna as key speakers. Carp mentioned an upcoming training grant release of up to $5 million at the end of February and discussed the importance of inventory management. Terry explained Safe Harbor's work on a Synergy product to facilitate access to funding, while Sal presented ReadyPaid, a new system connecting wholesale, retail, and cultivation to improve cash flow. The discussion highlighted ongoing challenges with banking and funding in the cannabis sector, as well as potential solutions and future developments. Cannabis Rescheduling and Tax Implications Terry Mendez, CEO of Safe Harbor, discussed the potential rescheduling of cannabis from Schedule I to Schedule III, which could lead to 280E tax relief and improved financial models for the industry. He noted that private equity and family offices have historically avoided cannabis due to its tax structure, but a rescheduling could change that. Terry suggested that operators prepare for these changes by working with tax providers to potentially negotiate an offer in compromise with the IRS for unpaid 280E taxes. He also mentioned that banking options for cannabis businesses have tightened up, but there is increased interest in the industry as its Schedule I classification is being challenged. Cannabis Banking: Challenges and Growth Sal discussed FundCount's involvement in the cannabis industry since mid-2021, highlighting their deployment of $250 million across 43 states supporting the full supply chain. Terry emphasized Safe Harbor's expertise and commitment to the cannabis industry, noting their 11-year track record and ability to prevent banks from suddenly discontinuing services. Carp and Sal agreed on the challenges and learning processes involved in banking for cannabis businesses, while Sal expressed optimism about the industry's growth and the potential for increased investment following recent regulatory developments. Cannabis B2B Payment Solutions Sal discussed ReadyPaid, a B2B buy now pay later AR solution for the cannabis industry, which was launched in December 2021. The product helps alleviate cash flow constraints by allowing vendors to get paid on day zero while extending no-cost net 30 terms to buyers. Sal explained that the onboarding process takes about a day, after which businesses can complete underwriting in 5-6 minutes. Sal also described FundCanna, a separate product offering lines of credit up to $250,000 with no non-usage fees, allowing businesses to draw on the line as needed and pay it off without penalty when revenue is received. Supply Chain Capital Deployment Strategies Sal and Carp discussed the flexibility of deploying capital and repayments aligned with different supply chain use cases, emphasizing the importance of cash flow in determining serviceability and funding amounts. Terry explained FundCanna's role in providing liquidity and managing financial stories, highlighting the significance of financial history, projections, and the ability to use capital judiciously. He also introduced Treasury Wealth Management Services and Payroll Boost, which offer solutions for cash flow management and employee benefits, respectively. Cannabis Industry Financial Management Challenges Carp and Terry discussed the importance of proper financial and HR management in the cannabis industry, emphasizing the need for specialized services and compliance with regulations. They highlighted the challenges faced by small businesses in hiring the right professionals and the risks of fraud. Carp shared insights on the limited number of banks that service cannabis businesses and the high fees associated with banking services in the industry. They also discussed the potential impact of interest rate changes on banking fees and explored opportunities to mitigate costs by attaching additional services. Cannabis Banking and Financing Challenges The discussion focused on cannabis banking and financing options. Terry explained that banks are being asked to do more rigorous due diligence, including reviewing SKU lists and ownership structures, which is unusual for traditional banking. Carp noted that while rescheduling cannabis might not significantly impact safer banking, it could lead to more traditional banks entering the cannabis banking sector, potentially lowering rates. Paul, CEO of an Oregon-based CBD extraction company, asked about financing options for purchasing biomass and extending terms to customers. Cannabis Business Financing Strategies The meeting focused on financing options for a cannabis business, with Paul seeking advice on whether to focus on raising capital immediately or explore cheaper financing options later. Terry advised exploring options but emphasized the risks associated with the cannabis industry, including supply and conversion risks. The group also discussed separating cannabis-related businesses from real estate holdings for tax and legal reasons, with Sal and Terry providing insights on structuring entities and managing banking relationships. The conversation ended with updates on upcoming training grants and shortage announcements from OCM. 1/27/2026: Cannabis Payments, POS, ATM, Kiosk and Display Q&A Zoom Q&A: Canna Payments, ATMs, POS and Kisok/Display Selection Play Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Cannabis Payments 00:00 / 46:38 Meeting Quick Recap ----------------------- The meeting focused on payment processing and digital signage solutions for cannabis businesses. Ryan from Vector Payments explained current payment options, including cashless ATMs and the limitations of traditional credit card processing in the cannabis industry. Josh from Skoop Signage discussed digital menu boards and kiosk solutions for retail locations. The speakers addressed questions about blockchain integration, ATM placement, and data privacy for kiosk setups. They emphasized the importance of integrated systems and commercial-grade hardware for digital displays. The discussion highlighted the challenges of payment processing in the cannabis industry and the need for specialized solutions that comply with state regulations and industry-specific requirements. Next steps Carp: Post the meeting recording within 48 hours and create short video clips for sharing with attendees and staff. Carp: Send follow-up information from Ryan (Vector Payments) and Josh (Skoop Signage) to attendees. Summary Cannabis Payment and Signage Webinar Carp hosted a webinar to address questions about payment processing, ATMs, and digital signage for cannabis businesses. He introduced Ryan from Vector Payments and Josh from Skoop Signage to provide expertise in these areas. The discussion focused on where businesses can set up payment systems, comply with regulations, and implement digital signage. Carp mentioned that some participants would join later, and the recording would be available for those who couldn't attend live. Cannabis Payment Processing Challenges Ryan and Carp discussed the complexities of payment processing in the cannabis industry, emphasizing the importance of working with experts who understand the sector's unique challenges. Ryan explained that while Schedule 3 changes may not significantly impact payment options, PIN debit and cashless ATMs are currently viable solutions, with cashless ATMs offering benefits like tips and revenue opportunities. They highlighted the need for operators to be cautious when engaging with processors, as many may overpromise or lack full understanding of cannabis regulations. Ryan also noted that operators should consider using both cash and cashless payment options to enhance customer experience. Cannabis Payment Processing Challenges Carp and Ryan discussed the challenges of payment processing for cannabis and hemp businesses, emphasizing the importance of working with reputable payment providers. Ryan highlighted the need for transparency, flexibility, and a lack of long-term contracts when choosing a payment processor. They also touched on the potential of blockchain technology in the future, but Ryan advised against using it for cannabis-related transactions at the moment due to its early stage and inherent challenges. Cannabis Digital Signage & Integration Solutions The meeting focused on digital signage, kiosks, and payment systems in the cannabis industry. Josh from Skoop presented their digital signage solutions, including menu boards, interactive kiosks, and customer experience enhancements. Carp and Ryan discussed payment systems, including ATMs and blockchain integration. The group explored how to streamline payment processes and improve customer experience through integrated systems. They also touched on data privacy, security measures, and hardware considerations for digital displays. The conversation ended with Carp emphasizing the importance of system integration and offering support for new industry entrants. Minnesota Office of Cannabis Management Videos Minnesota OCM Videos Sign in Minnesota OCM Videos Play Video Share Whole Channel This Video Facebook Twitter Pinterest Tumblr Copy Link Link Copied Search videos Search video... All Categories All Categories Education Now Playing New Year, New SOPs: Building the Systems Your Cannabis Business Needs 01:05:20 Play Video Now Playing Guidance for Locals - Zoning and Local Retail Registration March 31, 2025 52:35 Play Video Now Playing Testing Facility, Manufacturer, Cultivator and Wholesaler Application Guidance Feb. 25, 2025 41:51 Play Video Now Playing Office of Cannabis Management Social Equity Verification Informational Webinar Jan. 14, 2025 44:02 Play Video

ATMs from the top brands for your cannabis business. Our partners offer national coverage. We are the high-risk payment brokers. Our payment brokerage offers national coverage for high-risk cannabis companies, featuring top-brand ATMs. Increase Profits One Withdrawal at a Time with Onsite ATMs, Even for Cannabis We can do any business. However, ATM Solutions for Your Cannabis Dispensary, Hemp/CBD, or other high-risk business is very important. Average Cannabis Dispensaries will capture up to 80% of all their sales in cash payments. Due to ongoing Federal Banking restrictions, it’s tough to accept credit or debit cards at marijuana dispensaries, and even when it’s possible, it can become extremely costly. Why Place an ATM at Your Location? Did you know that having an ATM on your premises can increase customer foot traffic by an average of 30%? Did you know that customers who use an ATM spend 15% more in a convenience store than those who don't, and even more in a restaurant, bar, or nightclub? Furthermore, over 60% of cash withdrawn from an ATM is spent at the exact location. This makes ATMs a profitable investment for merchants, as they can act as pure profit centers. The best part is that they pay for themselves through transaction surcharges pay for themselves through transaction surcharges! With our ATM Machines for Sale program, you can eliminate the need to accept checks and avoid the fees associated with credit card transactions. Moreover, the surcharge revenue from your ATM can cover its costs in about 3-4 months. Moreover, having an ATM can increase foot traffic to your store, leading to an instant increase in sales by over 8%. People who need an ATM may also purchase quick-order items at the same location. Additionally, having an ATM can make your business more of a "one-stop shop", which can increase both customer satisfaction and loyalty. Why Source ATMs through the Creative Network? Revenue Sharing and No-Cost ATM Program PAI covers ATM setup and management at no cost to you. Earn passive income from surcharge revenue, driving revenue directly from your ATM. Compliance and Reporting PAI ensures compliance with federal banking laws, PCI standards, SOC reporting, and corporate governance. Access real-time transaction data and revenue insights from any device. Custom Branding Options Increase brand awareness with custom ATM wraps, welcome screens, and themed features like $420 withdrawals. Engage customers with loyalty programs, charitable options, and ad revenue opportunities. Full-Service ATM Management We manage everything, including cash replenishment, maintenance, and real-time monitoring, keeping your ATM fully operational and secure. PCI-Compliant ATMs Software and equipment meet the new 2025 regulations. Real-Time Reporting Access transaction and revenue data anytime, with customizable dashboards for managers and executives. Customizable Alerts Set alerts for balances, errors, and customizable thresholds. Monthly Reconciliation Convenient monthly reports for your financial teams. Cannabis ATMs and other High-Risk Environments Cannabis banking laws are continuously evolving, and having an ATM available is a convenience and an essential service for your customers. Carpfish, in collaboration with our local and national partners, can provide reliable ATM options that ensure cash availability for your cannabis dispensary. We work closely with a nationwide ATM provider and have experience serving marijuana dispensaries nationwide. Our team will work with your cannabis dispensary, a micro or macro business, to create a customized ATM solution that best suits your needs. Again, cannabis dispensaries often face difficulties with credit card processing due to federal regulations. As a result, many choose to be cash-only businesses. To make it easier for customers, having an ATM on site is a must! Carpfish Creative offers two different ATM programs for cannabis dispensaries: The first option is a full-service solution, where they provide a brand new, state-of-the-art ATM, cash for the machine, 24/7 monitoring, and all maintenance. They even split the profits with you! This option is available in New Jersey, Pennsylvania, New York, Washington DC, Maryland, and Delaware. The second option is for the dispensary to purchase the ATM and keep all the profits. ATM Money Machine provides installation/programming and full monitoring access. No legal concerns arise when having an ATM in your cannabis dispensary. ATM transactions differ from credit card transactions since customers withdraw money from their bank accounts. Your dispensary is not involved in the ATM transaction; the customer can spend the cash as they like. The only requirement is that your dispensary is legal. An ATM is a reliable option for accepting cash payments and keeping customers satisfied. Have Needs? We should Talk > From looking to get into the cannabis industry, to A-Z sourcing for your project needs (including project management) we got you covered. Request Assistance

No matter if you're selling in person online, or while on the move, our dependable, comprehensive payment solutions are here to support you! We simplify the payment process for businesses and their customers, all while maintaining exceptional security and PCI compliance. Allow us to handle the details so you can concentrate on what you excel at! My Business is Simple. I want a Simple, Fixed Rate! Choose from various Payanywhere devices including Smart Point of Sale+, Smart Flex, Smart Terminal, mobile credit card readers, and accessories. Fixed Small Business Rates start at 2.69% with no charge per $0.10. What's Included? Payments Hub - Your online payment portal (PC) Payments Anywhere App - Your easy-to-use Point of Sale software. (Apple, Android Apps) Payanywhere SDK - Accept Payments in Your Native App. (Apple, Android, PC) The Breakdown is as follows: Instore Swipes, Daps, and Taps Invoices & Recurring Payments Offline Transactions Customer Management Reporting Dispute Management Open Tickets and Tabs Virtual Terminal Payments Employees Inventory Next Day Funding SAME DAY Funding No Long Term Contracts, Month-to-Month 2.69% 3.49% + $0.19 Included Included Included Included Included 3.49% + $0.19 Included Included FREE FREE See Comparisons Request More Information Simple Setup to Take Payments, Track Inventory and Retain Customers Payment Processing Create Invoices, Track Inventory, Manage Customers, Track Competition, PCI Plus POS Hardware & Software Includes: Payanywhere - The easy-to-use point of sale software. Same day or next day funding Inventory management Employee management Reporting Dispute management Customer management Invoicing/ACH Hardware - Purchase or Lease (See Hardware Options \ PCI Plus Service Customer Loyalty Increase Customer Retention Greatyly with Loyalty Systems Integrates with Payanywhere hardware Data-Driven CRM Campaigns Personalized E-Receipts Customer Ratings AI Version or Manual Card-Linked Deal More on Customer Loyalty PayAnywhere. Hardware at every Price Point Accessories We are happy to provide solutions from a number of leading vendors, including Payanywhere, ORACLE, Paradise POS & more. Please contact your Carpfish Creative Advisor for Exact (and discount) pricing.