Last updated: 30th December 2024
1. Introduction and Scope
1.1 Purpose
These Terms and Conditions (the “Terms”) govern your use of and access to the website located at www.myhomefinanceinfo.com (the “Website”), which is operated by or on behalf of AVM Visionaries (the “Company,” “we,” or “us”).
The Website’s primary function is to provide mortgage lead-generation services, facilitating connections between individuals seeking mortgage or refinancing options (“Users” or “you”) and potential lenders or financial institutions (“Lenders”).
By accessing or using the Website, you agree to be bound by these Terms.
1.2 Scope of Terms
These Terms apply to your use of all features, applications, content, downloads, and other services that we make available through the Website. Your use of certain services may be subject to additional terms, which will supplement or modify these Terms where indicated.
1.3 Legal Agreement
This document constitutes a legally binding agreement between you and the Company. Please read these Terms carefully. If you do not agree with any provision, you must cease using the Website immediately.
2. Definitions
For purposes of these Terms, the following definitions shall apply:
2.1 “Company,” “We,” or “Us”
Refers to AVM Visionaries, its affiliated entities, successors, and assigns.
2.2 “Website”
Refers to the domain www.myhomefinanceinfo.com, including all subdomains, pages, and content therein.
2.3 “Services”
Means all mortgage lead-generation services, including but not limited to information collection, lead matching, lender referrals, and any related tools or resources provided by the Company through the Website.
2.4 “User” or “You”
Means any individual or entity visiting, accessing, or otherwise using the Website or any of the Services offered by the Company.
2.5 “Lender”
Means any financial institution, broker, or other third party that may purchase lead information from the Company or otherwise receive User data for the purpose of offering mortgage-related products or services.
2.6 “Personal Data”
Includes any information relating to an identified or identifiable individual, such as name, email, phone number, and any mortgage or financial details submitted through the Website.
2.7 “Agreement”
Collectively refers to these Terms & Conditions, our Privacy Policy, and any other agreements or policies referenced herein.
3. Acceptance of Terms
3.1 Binding Contract
By accessing, browsing, or using the Website or any Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Website.
3.2 Electronic Consent
You acknowledge and agree that clicking “I Accept,” “Sign Up,” or any similar mechanism constitutes your legally binding signature, confirming your consent to these Terms under applicable federal and state electronic signature laws, including the Electronic Signatures in Global and National Commerce Act (E-SIGN) and any corresponding state-specific statutes.
3.3 Right to Refuse
We reserve the right to refuse or limit your access to the Website or the Services if we determine, in our sole discretion, that you have violated any provision of these Terms or applicable laws.
4. Modifications to Terms
4.1 Right to Modify
We may, at our sole discretion, modify, amend, or otherwise update these Terms at any time. Any such modifications will be effective immediately upon posting the updated Terms on the Website unless otherwise stated.
4.2 Notification of Changes
We will make reasonable efforts to notify you of material changes to these Terms, such as by email notification or prominent posting on the Website. However, it is your responsibility to periodically review the most current version of these Terms.
4.3 Continued Use Constitutes Acceptance
Your continued use of the Website or Services after any modification to these Terms becomes effective shall constitute your acceptance of the updated Terms. If you do not agree with the modified Terms, your sole remedy is to discontinue using the Website.
5. Eligibility
5.1 Age Requirement
The Website and Services are intended for individuals who are at least eighteen (18) years of age or the age of majority in their jurisdiction of residence, whichever is greater. By using the Website, you represent and warrant that you meet this age requirement.
5.2 Legal Capacity
By entering into this Agreement, you represent and warrant that you have the legal capacity and authority to form a binding contract under applicable law, and that you will use the Website in compliance with these Terms and all applicable local, state, and federal laws and regulations.
5.3 Geographic Restrictions
Although the Website may be accessible from various geographic locations, you understand and acknowledge that not all features, products, or Services described may be available in your region. We make no representation that the Website or any of the Services are appropriate or available for use in all jurisdictions.
6. Description of Services
6.1 Lead Generation Platform
The Company operates a lead generation platform (collectively, the “Services”) that collects information from individuals interested in mortgage or refinancing products and provides such information to potential Lenders. The Company does not offer loans, credit decisions, or mortgage underwriting itself.
6.2 No Guarantee of Availability
All Services are provided “as is” and “as available.” We strive to maintain uninterrupted access to the Website; however, we reserve the right to modify, suspend, or discontinue the Services (in whole or in part) at any time without prior notice or liability.
6.3 Geographic Scope
While the Services may be accessible across the United States (including all 50 states), you acknowledge that certain features, promotions, or information may not be available in your jurisdiction. Your access to and use of the Services may be restricted by local laws and regulations.
6.4 Updates and Enhancements
We may introduce new features, tools, or functionality (“Enhancements”) to the Website from time to time. Unless explicitly stated otherwise, these Enhancements are subject to these Terms.
7. No Financial Advice
7.1 Informational Purposes Only
All content provided through the Website, including any mortgage rate comparisons, educational resources, or financial tips, is offered for informational purposes only. Nothing contained on or through this Website shall be construed as legal, financial, or mortgage advice.
7.2 Professional Consultation Recommended
Users are solely responsible for evaluating the merits and risks associated with the use of any information or Services provided through the Website. We strongly recommend that you consult licensed professionals, including attorneys, accountants, or financial advisors, before making any mortgage or investment decisions.
7.3 No Fiduciary Relationship
Your use of the Services does not create a fiduciary relationship of any kind between you and the Company. Any reliance on the information provided is solely at your own risk.
8. User Obligations
8.1 Accurate Information
You represent and warrant that all information you provide to the Company or its partners—whether through forms, email communications, or other means—is true, accurate, current, and complete to the best of your knowledge. You agree to promptly update any information that becomes inaccurate or outdated.
8.2 Prohibited Conduct
You agree that you shall not:
8.3 Compliance with Laws
You acknowledge that mortgage-related activities are regulated under various federal and state laws. You agree to comply with all applicable laws, including, without limitation, the Truth in Lending Act (TILA), the Real Estate Settlement Procedures Act (RESPA), the Gramm-Leach-Bliley Act (GLBA), and the Mortgage Acts and Practices – Advertising Rule (Regulation N), as relevant to your use of the Services.
8.4 Indemnification for Breach
You agree to indemnify and hold harmless the Company from any loss, liability, claim, or demand arising out of or relating to your breach of this Section 8 or any violation of applicable laws or regulations.
9. Consent to Communication
9.1 Telephone Consumer Protection Act (TCPA) Compliance
By providing your telephone number through the Website or any related forms, you expressly consent to receive telephone calls and text messages (including those made using an autodialer or prerecorded voice messages) from the Company, its affiliates, and Lenders. You understand that this consent is not a condition of purchasing any goods or services and may be revoked at any time by following the opt-out instructions provided.
9.2 Email Marketing and CAN-SPAM Compliance
You acknowledge that by submitting your email address, you may receive transactional or marketing emails from the Company or its affiliates. You can opt out of such emails at any time by clicking the “unsubscribe” link provided in each message or by contacting us directly. We comply with all applicable laws, including the CAN-SPAM Act, in sending marketing emails.
9.3 Opt-Out and Revocation of Consent
Users have the right to withdraw or revoke consent to be contacted at any time. To opt out of further communications, please follow the instructions provided in the communication or contact us at the email address listed in our Privacy Policy.
10. Data Collection and Privacy
10.1 Privacy Policy Incorporated by Reference
Your use of the Website and Services is also governed by our Privacy Policy, which is incorporated herein by reference. By using the Website, you agree to the collection, use, and disclosure of your information as described in our Privacy Policy.
10.2 Types of Data Collected
We may collect Personal Data such as your name, email address, phone number, and mortgage-related information when you complete forms or otherwise interact with the Website. We may also collect device and usage data through cookies or similar technologies.
10.3 Sharing of Data
You acknowledge and agree that we may share your Personal Data with Lenders or other authorized third parties for the purpose of providing mortgage offers or related services. If required by applicable law, we will also provide Users with methods to opt out of certain data-sharing practices.
10.4 Data Security Measures
While we use commercially reasonable security practices to safeguard your Personal Data, no method of transmission or storage is completely secure. You acknowledge and agree that the Company is not liable for unauthorized access to your data, unless directly caused by our gross negligence or willful misconduct.
10.5 User Responsibility for Security
Users are responsible for maintaining the confidentiality of any login credentials and account details. You agree to notify the Company immediately if you suspect any unauthorized use or breach of security with respect to your account.
11. Third-Party Websites and Lenders
11.1 Links to Third-Party Sites
For your convenience, the Website may contain links to third-party sites or resources (collectively, “Third-Party Sites”). Such links do not imply an endorsement, sponsorship, or recommendation by the Company of the Third-Party Sites or any products or services offered therein.
11.2 Independent Entities
Any Lender or third party to which we refer Users through the Services is an independent entity that is not controlled by or affiliated with the Company. We do not endorse or assume responsibility for the services, actions, or omissions of such third parties.
11.3 Separate Terms and Policies
When you access or interact with Third-Party Sites or Lenders, you may be subject to their own terms and conditions, privacy policies, and other agreements. Your interactions with such third parties are solely between you and the respective third party, and the Company disclaims any responsibility for any loss or damages you may incur.
11.4 Due Diligence
It is your sole responsibility to perform appropriate due diligence before engaging with or providing personal information to any Lender or Third-Party Site. We encourage you to review the policies and terms of all third parties carefully before proceeding.
12. Licenses and Intellectual Property Rights
12.1 Ownership of Website Content
All content on the Website—including but not limited to text, graphics, logos, icons, images, audio clips, video clips, databases, software, and any other materials—is owned or licensed by the Company and is protected by United States and international intellectual property laws. Any unauthorized use, reproduction, or distribution of such content is strictly prohibited.
12.2 Limited License to Users
Subject to these Terms, we grant you a personal, non-exclusive, non-transferable, revocable license to access and use the Website and Services for your personal, non-commercial purposes. This limited license does not include any right to:
12.3 Trademarks
All trademarks, service marks, logos, and trade names displayed on the Website (collectively, “Marks”) are the property of the Company or third parties. You may not use the Marks in any manner likely to cause confusion or disparagement, without the express written permission of the respective owner.
12.4 User Content
To the extent you post, upload, or submit content (including but not limited to comments, reviews, or feedback) to the Website, you grant the Company a non-exclusive, worldwide, royalty-free, perpetual license to use, reproduce, distribute, modify, display, and perform such content in connection with the operation of the Website.
12.5 Reservation of Rights
All rights not expressly granted in these Terms are reserved by the Company and its licensors. Nothing in these Terms transfers or assigns to you any ownership interest or title in or to the Website’s content or any intellectual property rights owned by the Company.
13. Fees and Payments
13.1 No Direct Borrower Fees
Unless otherwise specified, the Company does not charge borrowers or prospective borrowers any fees for using the lead generation Services on the Website. The use of the Services is generally free for Users seeking mortgage information or lender connections.
13.2 Lender Compensation
The Company may receive compensation from Lenders or other third parties in connection with the Services provided on the Website. You acknowledge and agree that such compensation does not affect your use of, or access to, the Services.
13.3 Fee Disclosures
Should the Company elect to charge any fees to Users in the future, we will provide reasonable notice of such fees or changes in a manner consistent with Section 4 (Modifications to Terms), and you will have the opportunity to accept or decline any new fees before proceeding.
13.4 Taxes
You are responsible for any applicable taxes, duties, or charges imposed by governmental authorities in connection with your use of the Website or any related financial transactions that may arise from your engagement with Lenders.
14. Disclaimer of Warranties
14.1 As Is and As Available
THE WEBSITE AND ALL SERVICES, INFORMATION, AND CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE.
14.2 No Guarantee of Results
The Company makes no representations or warranties regarding the accuracy, completeness, timeliness, or reliability of any information provided on or through the Website. We do not warrant or guarantee that any User will secure a mortgage loan, achieve any specific financial outcome, or obtain favorable financing terms as a result of using the Services.
14.3 Third-Party Content and Services
Any references or links to third-party materials, services, or websites are provided for informational purposes and do not constitute an endorsement by the Company. The Company is not responsible for the accuracy or reliability of third-party content or services.
14.4 No Liability for Technical Issues
We make no warranty that the Website or Services will be uninterrupted, secure, or error-free, that defects will be corrected, or that the Website or its servers are free of viruses or other harmful components. You assume the entire risk of any and all damage or loss from use of, or inability to use, the Website or Services.
15. Limitation of Liability
15.1 Maximum Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF THE WEBSITE, SERVICES, OR ANY CONTENT PROVIDED THEREIN, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
15.2 Aggregate Liability Cap
IF ANY LIABILITY IS FOUND DESPITE THE ABOVE DISCLAIMER, THE TOTAL LIABILITY OF THE COMPANY AND ITS AFFILIATES SHALL NOT EXCEED THE AMOUNT OF ANY FEES PAID BY YOU (IF APPLICABLE) TO THE COMPANY FOR ACCESSING OR USING THE SERVICES DURING THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO SUCH LIABILITY.
15.3 Jurisdictional Limitations
Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for certain types of damages. Accordingly, some of the above limitations may not apply to you. If any portion of these sections is held to be invalid under applicable law, the invalid provision shall be severed from these Terms and shall not affect the validity or enforceability of the remaining provisions.
15.4 Allocation of Risk
You acknowledge and agree that the foregoing disclaimers of warranties, limitations of liability, and allocation of risk are an essential basis of the bargain between you and the Company, and that the Company would not provide the Website or Services without such limitations.
16. Indemnification
16.1 General Indemnity
You agree to indemnify, defend, and hold harmless the Company, its parents, subsidiaries, affiliates, and each of their respective officers, directors, employees, agents, licensors, and suppliers (collectively, “Indemnified Parties”) from and against any and all claims, actions, demands, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to:
16.2 Defense and Settlement
You agree to cooperate fully with the Company in the defense or settlement of any claim subject to Section 16.1. The Company reserves the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you. You shall not settle any claim without the prior written consent of the Company unless such settlement unconditionally releases the Company of all liability.
16.3 Additional Remedies
The Company reserves the right to take any and all actions it deems necessary to defend its rights, including initiating legal proceedings against you for indemnification, seeking injunctive relief, or pursuing any other remedies available under applicable law.
17. Dispute Resolution and Arbitration
17.1 Governing Law
These Terms and any dispute arising out of or relating to them shall be governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict-of-law principles. If the Company is located outside Arizona, the governing law may be the laws of the state in which the Company is incorporated or maintains its principal place of business, as specified by the Company.
17.2 Mandatory Arbitration
Except where prohibited by law, any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, or interpretation thereof, or your use of the Website (collectively, “Disputes”), shall be resolved by binding arbitration before a single arbitrator in accordance with the rules of the American Arbitration Association (“AAA”). Judgment upon the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
17.3 Arbitration Procedure
The arbitration shall take place in the city or county of the Company’s principal place of business, or another mutually agreeable location. The parties shall share equally in the costs of the arbitration, except that each party shall bear its own attorneys’ fees unless the arbitrator determines that a claim was frivolous, in which case the non-prevailing party may be required to pay the prevailing party’s reasonable attorneys’ fees and costs.
17.4 Class Action Waiver
You and the Company agree that any Dispute shall be arbitrated or litigated on an individual basis and not on a class, collective, or representative basis. You further agree to waive any right to bring or participate in a class action, consolidated, or representative proceeding.
17.5 Exceptions
Notwithstanding anything to the contrary, either party may seek injunctive or equitable relief in a court of competent jurisdiction to protect its intellectual property rights or to prevent the misuse or unauthorized disclosure of confidential information, without posting bond, security, or other proof of irreparable harm.
18. Regulatory Compliance
18.1 Applicable Laws
The Company complies with all applicable federal, state, and local laws and regulations governing the collection, processing, and sharing of personal and financial information. This includes compliance with, but is not limited to, the Gramm-Leach-Bliley Act (GLBA), the Federal Trade Commission (FTC) Act, the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, and any relevant state privacy or consumer protection statutes.
18.2 Mortgage Advertising Rules
The Company, in its role as a lead generation provider, adheres to the Mortgage Acts and Practices—Advertising Rule (Regulation N) and other related federal or state regulations governing mortgage advertising. Users who submit mortgage-related information acknowledge that their data may be subject to these regulations.
18.3 State Privacy Regulations
To the extent the Website collects personal information from residents of certain states, such as California, Virginia, Colorado, or others with comprehensive privacy legislation, the Company will implement policies and practices designed to comply with the applicable statutes. These may include, where required by law, providing notice of data collection, offering opt-out rights, or honoring requests to access or delete personal data.
18.4 User Responsibility
You are responsible for ensuring that any actions you take in relation to your personal or financial data or your mortgage-related inquiries comply with all laws and regulations applicable to your location or to your specific financial situation.
19. No Guarantee of Financial Outcomes
19.1 Nature of Mortgage Inquiries
By using the Services, you acknowledge and agree that the Company provides an informational platform only, helping Users connect with potential Lenders. Neither the Company nor its agents guarantee any specific financial outcome, including approval for any mortgage, loan, or refinancing application.
19.2 Risk Acknowledgment
You understand that engaging with a Lender involves inherent financial risks, including, but not limited to, loan denial, unfavorable terms, higher interest rates, or other adverse outcomes. The Company is not liable for any financial harm you may incur as a result of your engagement with Lenders.
19.3 Independent Decision-Making
All financial decisions are solely your responsibility. You agree to conduct your own due diligence and consult with qualified professionals, such as loan officers or financial advisors, before acting on any information or offers presented through the Website.
19.4 User Review
We encourage you to carefully review all loan terms, interest rates, disclosures, and other related information provided by Lenders. Your relationship with any Lender is strictly between you and that Lender; the Company makes no representations or warranties regarding the suitability of any Lender or the financial products they offer.
20. Term and Termination
20.1 Term of Agreement
These Terms shall remain in full force and effect while you use or access the Website or Services, and until terminated by either party in accordance with this Section.
20.2 Termination by Company
We reserve the right, in our sole discretion, to suspend or terminate your access to the Website or the Services at any time, with or without notice, for any reason, including but not limited to a breach of these Terms, illegal or fraudulent activity, or for extended periods of inactivity.
20.3 Termination by User
You may cease using the Services at any time. If you wish to terminate this Agreement, you must discontinue all use of the Website. All provisions of these Terms that by their nature should survive termination (e.g., intellectual property rights, limitations of liability, disclaimers, indemnity obligations, and dispute resolution) shall so survive.
20.4 Effect of Termination
Termination or expiration of these Terms shall not release either party from any obligation or liability that accrued prior to the effective date of such termination. Upon termination, the rights granted to you herein will immediately cease, and you agree to discontinue any further use of the Website and Services.
20.5 Survival
All provisions in these Terms which, by their nature, should survive termination or expiration shall survive, including but not limited to the following sections: Disclaimers, Limitation of Liability, Indemnification, Dispute Resolution, and Governing Law.
21. Children’s Online Privacy
21.1 Intended Audience
The Website and Services are intended for individuals who meet the age requirements detailed in Section 5.1. We do not knowingly collect personal information from children under the age of thirteen (13) in compliance with the Children’s Online Privacy Protection Act (“COPPA”).
21.2 No Use by Minors
By using the Website, you represent and warrant that you are at least thirteen (13) years old. If you are under the age of eighteen (18), you further represent that you have obtained the permission of a parent or legal guardian to use the Website. If it comes to our attention that any data belonging to a user under the age of thirteen (13) has been collected, we will take reasonable steps to promptly delete such information and disable access.
21.3 Parental Inquiries
Parents or legal guardians who believe we may have inadvertently collected information from a child under thirteen (13) without proper consent should contact us using the contact information provided in the Privacy Policy. We will promptly investigate and address the inquiry in accordance with applicable law.
22. No Agency or Partnership
22.1 Independent Relationship
These Terms do not create, and shall not be construed to create, any partnership, joint venture, agency, franchisor-franchisee, or employer-employee relationship between you and the Company. The Company is an independent service provider assisting with lead generation for potential mortgage opportunities.
22.2 Lenders as Independent Entities
Any Lender or third party to whom user data is forwarded operates independently of the Company. The Company does not endorse, guarantee, or assume responsibility for the actions or omissions of any Lender or third party, nor does it ensure any specific outcome for the user.
22.3 No Authority to Bind
You acknowledge that neither party has the authority to bind the other to any legal obligation or to make any representations or warranties on behalf of the other without prior written consent.
23. International Use
23.1 No Representation
Although the Website may be accessible worldwide, the Company makes no representation that the Services or any content on the Website are lawful or appropriate for use in locations outside the United States. Accessing the Website from territories where such use is illegal is strictly prohibited.
23.2 Compliance with Local Laws
If you choose to access the Website from outside the United States, you do so on your own initiative and are solely responsible for compliance with all local laws, regulations, and ordinances concerning online conduct and acceptable content.
23.3 Data Transfers
By using the Website, you acknowledge and consent that any information you submit may be transferred to and processed in the United States. If you reside in a jurisdiction with laws governing data collection and use that differ from U.S. law, you agree to the transfer of your information to the United States and the application of U.S. laws.
24. Severability and Waiver
24.1 Severability
If any provision or portion of these Terms is found by a court of competent jurisdiction to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be severed from these Terms in a manner that preserves, to the maximum extent possible, the original intent of the Parties.
24.2 No Waiver
No waiver of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition, and any failure by the Company to assert a right or provision under these Terms shall not constitute a waiver of such right or provision in that or any other instance.
25. Entire Agreement and Miscellaneous Provisions
25.1 Entire Agreement
These Terms, along with the Privacy Policy and any other legal notices or agreements incorporated by reference, constitute the entire agreement between you and the Company regarding your use of the Website and Services. They supersede any prior or contemporaneous agreements, representations, or understandings, whether written or oral.
25.2 Headings and Interpretation
Section headings are for convenience only and have no legal or contractual effect. Words used in the singular include the plural, and vice versa, as the context may require.
25.3 Force Majeure
Neither the Company nor you shall be liable for any failure to perform or delay in performing any of its obligations under these Terms if such delay or failure results from events, circumstances, or causes beyond its reasonable control, including acts of God, strikes, lockouts, war, riots, epidemics, fire, or governmental regulations.
25.4 Contact Information
For questions or concerns about these Terms or the Services, please refer to the contact details provided on our website or in our Privacy Policy. We will make reasonable efforts to promptly respond to all inquiries.
25.5 Effective Date
These Terms are effective and binding upon you as of the date you first use the Website or any of the Services. If you do not agree to be bound by these Terms, you must discontinue your use of the Website and Services immediately.
By accessing or using the Website and Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and all other policies referenced herein. We appreciate your cooperation and compliance, and we encourage you to contact us with any questions regarding the legal obligations and commitments set forth in this document.
Last Updated: 30th December 2024