Effective Date: July 2, 2024

Welcome to PGW Financial LLC (the “Website”).

This Terms of Use Agreement (the “Agreement”) governs your use of the Website and any products, materials, or services provided (collectively, the “Services”). By accessing or using the Services, you agree to these terms. If you disagree, you must stop using the Services immediately.

1. Acceptance of Terms

By using the Services, you agree to this Agreement on behalf of yourself or your organization. You must be at least 18 years old, a resident of the U.S., Canada, or the U.K., and not a competitor of the Company.

2. User Responsibilities

Account Creation: Provide accurate information when creating an account. You are responsible for maintaining your account’s security and confidentiality. Prohibited Activities: Do not use the Services for illegal purposes, spam, harassment, or to harm others. Do not interfere with the Services or attempt unauthorized access.
User Content: You are responsible for any content you post. By posting, you grant the Company a license to use, modify, and distribute your content.

3. Changes to the Agreement

The Company may update this Agreement at any time. Changes will apply immediately to new users and after notice for existing users. Continued use of the Services constitutes acceptance of changes.

4. Purchases and Subscriptions

Purchases: Orders are binding once submitted. You agree to pay all fees, taxes, and charges. Subscriptions: Subscriptions automatically renew unless canceled before the renewal date. You may cancel at any time.

5. Intellectual Property

All content on the Services is owned by the Company or its licensors. You are granted a limited, non-exclusive license to use the Services for personal or business purposes. You may not copy, modify, or distribute the content without permission.

6. Termination

The Company may suspend or terminate your access to the Services at any time, for any reason. You may terminate your account by contacting the Company.

7. No Warranty

The Services are provided “as is” without warranties of any kind. The Company is not liable for any damages arising from your use of the Services.

8. Limitation of Liability

The Company is not liable for any indirect, incidental, or consequential damages arising from your use of the Services. Your sole remedy is to stop using the Services.

9. Governing Law

This Agreement is governed by the laws of Florida, U.S.A. Any disputes will be resolved in the courts of United States, Florida.

10. Contact Information

For questions or concerns, contact us at [email protected]. For copyright claims, contact our designated agent at [email protected].