Pampena & Co

Life Insurance & Wealth Management

About

At Pampena & Co., we believe life insurance isn’t just a policy—it’s a strategy to protect your family, build wealth, and create long-term security.We work with top-rated carriers across the country to design customized coverage tailored to your unique situation. Whether you’re protecting your home, your income, or your legacy, our approach is simple: find you the most coverage for the best value—without cutting corners.Our clients aren’t just buying insurance. They’re building a financial foundation that gives them peace of mind today and confidence in the future.

Contact

Fill out the form below and we’ll reach out to help you find the right coverage for your needs.

Pampena & Co. Privacy PolicyEffective Date: March 20, 2026
Last Updated: March 20, 2026

1. OverviewPampena & Co. (“Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information.This Privacy Policy explains how we collect, use, store, share, and protect your information when you visit our website, complete a form, request information, communicate with us by phone, text, email, or social media, interact with our software or automation systems, or use any products or services we provide.By using our website or services, you agree to the terms of this Privacy Policy.2. Information We CollectWe may collect the following categories of information:A. Personal Information You ProvideWe may collect information you voluntarily provide to us, including:
• Name
• Email address
• Phone number
• Mailing address
• Date of birth
• Information related to your insurance needs, financial goals, or service inquiries
• Any other information you choose to submit through forms, applications, surveys, calendars, contact pages, or direct communicationsB. Communication InformationWhen you communicate with us, we may collect:
• Email correspondence
• SMS or MMS messages
• Phone call recordings or voicemail messages
• Appointment history
• Notes related to your account, inquiry, or service requestC. Technical and Usage InformationWhen you use our website or systems, we may automatically collect:
• IP address
• Browser type
• Device type
• Operating system
• Referring URLs
• Pages visited
• Time spent on pages
• Dates and times of access
• General interaction data with our site, ads, or funnelsD. Transaction and Payment InformationIf you purchase products or services from us, payment information may be collected and processed by third-party payment processors. We do not typically store complete credit card or bank account details on our own servers.E. Social Media and Third-Party Platform InformationIf you contact us or engage with us through social media or third-party platforms, we may receive information such as your public profile name, username, and any content you send to us.F. Sensitive InformationPlease do not send sensitive personal information unless specifically requested and necessary for the services being provided. This may include Social Security numbers, medical records, government-issued identification numbers, or other highly sensitive information.If you submit sensitive information to us, you consent to our handling of that information as reasonably necessary to provide services, comply with legal obligations, or protect our legitimate business interests.3. SMS, Calls, and Messaging PrivacyIf you provide your mobile number, you may receive text messages from us related to:
• Appointment scheduling and reminders
• Customer support
• Follow-up communications
• Service updates
• Requested information
• Marketing or promotional messages, where permitted by law and where you have consentedMessage frequency varies. Message and data rates may apply.You may opt out of text messages at any time by replying STOP. You may reply HELP for assistance.We do not sell, rent, or share your mobile number, SMS opt-in data, or text messaging consent with third parties or affiliates for their own marketing or promotional purposes. We may share such information only with the messaging vendors, platform providers, and service providers necessary to deliver the text messaging services you have requested or agreed to receive. If calls are recorded, they may be recorded for quality assurance, training, compliance, recordkeeping, or customer service purposes, where permitted by applicable law.4. AI, Automation, and Assisted CommunicationsWe may use automation tools, CRM workflows, AI-assisted systems, and related technologies in connection with our business operations, including:
• Customer support
• Intake processing
• Follow-up communications
• Appointment coordination
• Internal quality assurance
• Lead management
• Content moderation
• Service improvementThese systems may process information you submit to us, including message content, form responses, or call transcripts, in order to provide or improve our services.We do not use AI alone to make decisions with legal or similarly significant effects about you without appropriate human involvement where required.If voice or text interactions are processed by automated systems, those interactions may be transcribed, reviewed, analyzed, or stored for quality assurance, service improvement, compliance, and recordkeeping purposes.You may request deletion of AI-related interaction data by contacting us using the contact information below, subject to any legal or operational obligations requiring retention.5. How We Use Your InformationWe may use the information we collect to:
• Provide, operate, and improve our website, products, and services
• Respond to inquiries and communicate with you
• Schedule appointments and follow up on requests
• Process applications, quotes, leads, or service requests
• Maintain customer and prospect records
• Send service-related communications
• Send marketing communications where permitted by law
• Personalize user experiences
• Monitor and improve our business operations
• Prevent fraud, misuse, and unauthorized access
• Comply with legal, contractual, regulatory, licensing, and compliance obligations
• Enforce our policies, terms, and legal rights6. Legal Bases for ProcessingDepending on your jurisdiction, we may process your information based on:
• Your consent
• Performance of a contract or steps taken at your request before entering into a contract
• Compliance with legal obligations
• Our legitimate business interests, provided those interests are not overridden by your rights7. Cookies and Tracking TechnologiesWe may use cookies, pixels, tags, scripts, and similar technologies to:
• Operate and secure our website
• Understand website performance and usage
• Remember user preferences
• Improve marketing and advertising
• Measure campaign effectiveness
• Support retargeting and analyticsYou can modify your browser settings to refuse cookies or notify you when cookies are being used. Some site features may not function properly if cookies are disabled.8. Third-Party Services and IntegrationsWe may use third-party vendors and service providers to support our operations, including:
• Website hosting providers
• CRM and marketing automation platforms
• Payment processors
• Calendar and scheduling tools
• Email platforms
• SMS providers and aggregators
• Advertising and analytics platforms
• Cloud storage providers
• AI and transcription providersThese third parties may process your information only as needed to provide services to us or on our behalf, and subject to their own terms and privacy practices where applicable.9. Payment ProcessingPayments may be processed by third-party processors such as Stripe, PayPal, Intuit, or other vendors we select. We encourage you to review the privacy policies of any payment processor you use.We do not generally store complete payment card details on our own systems unless specifically stated.10. Data SharingWe do not sell your personal information.We may share your information in the following limited circumstances:
• With service providers and contractors who help us operate our business
• With platform providers necessary to deliver communications or services you requested
• With professional advisors, auditors, insurers, or legal counsel where reasonably necessary
• To comply with law, regulation, legal process, subpoena, or governmental request
• To investigate fraud, security incidents, or violations of our policies
• In connection with a merger, acquisition, restructuring, sale of assets, financing, or business transition
• With your consent or at your directionWe do not share mobile opt-in data or consent with third parties or affiliates for marketing or promotional purposes. 11. Data RetentionWe retain personal information for as long as reasonably necessary to:
• Provide services
• Maintain records
• Comply with legal, tax, insurance, licensing, and regulatory obligations
• Resolve disputes
• Enforce agreements
• Improve our operationsRetention periods may vary depending on the type of information and the purpose for which it was collected.If you request deletion, we will delete or de-identify your information unless retention is required or permitted by law, regulation, contractual obligation, recordkeeping need, fraud prevention need, or legal defense.12. Data SecurityWe use reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, use, alteration, or disclosure. These safeguards may include:
• SSL or similar encryption in transit
• Access restrictions
• Password protection
• Platform security controls
• Secure third-party vendors
• Internal confidentiality practicesNo method of transmission over the internet or method of electronic storage is completely secure, so we cannot guarantee absolute security.13. Your Rights and ChoicesDepending on where you live, you may have rights to:
• Access the personal information we hold about you
• Correct inaccurate information
• Request deletion of your information
• Request a copy of your information
• Object to or restrict certain processing
• Withdraw consent where processing is based on consent
• Opt out of marketing communications
• Request information about certain automated processingTo exercise any of these rights, contact us using the contact information below. We may need to verify your identity before fulfilling your request.14. Email CommunicationsIf you receive marketing emails from us, you may unsubscribe at any time by using the unsubscribe link in the email or by contacting us directly.We honor unsubscribe requests as required by applicable law. Commercial emails we send are intended to comply with applicable email marketing laws, including requirements relating to opt-out rights and inclusion of a valid physical postal address. 15. California Privacy RightsIf you are a California resident, you may have rights under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, including rights to know, delete, correct, and limit certain uses of personal information, subject to applicable exceptions. California’s current regulations are in effect as of January 1, 2026. We do not sell personal information.California residents may contact us to submit a verifiable consumer request regarding their personal information.16. Children’s PrivacyOur website and services are not directed to children under 13, and we do not knowingly collect personal information from children under 13 without appropriate authorization. If you believe a child has provided personal information to us, contact us and we will take appropriate steps.17. Insurance, Financial, and Compliance-Related InformationIf you submit information to request insurance-related or financial-related services, we may collect and use that information to evaluate your request, communicate with you, prepare quotes, connect you with products or services, maintain records, and comply with applicable legal, licensing, or regulatory requirements.You should submit only the information reasonably necessary for the requested service.18. Health-Related InformationUnless expressly stated otherwise, Pampena & Co. is not a healthcare provider. If health-related information is submitted in connection with a service request, intake process, or insurance-related inquiry, we will use reasonable efforts to handle that information appropriately and only as necessary for the services requested, compliance obligations, business operations, and protection of our legal rights.If your use case requires a separate HIPAA notice, business associate agreement, or healthcare-specific privacy disclosure, that should be handled separately.19. International UsersOur business is based in the United States. If you access our website or services from outside the United States, your information may be transferred to, stored in, and processed in the United States or other jurisdictions where our service providers operate.By using our services, you understand that your information may be processed in countries with data protection laws different from those of your country of residence.20. Changes to This Privacy PolicyWe may update this Privacy Policy from time to time. When we do, we will revise the Effective Date or Last Updated date at the top of this page. Your continued use of our website or services after changes are posted means you accept the revised policy, to the extent permitted by law.21. Contact InformationIf you have questions about this Privacy Policy or would like to exercise your rights, contact us at:Pampena & Co.
502 W 7TH ST STE 100
ERIE, PA 16502
(412) 663-3377
[email protected]

TERMS OF USE AGREEMENTEffective Date: March 20, 2026IntroductionWelcome to pampenaandco.com (the “Website”). This Terms of Use Agreement (the “Agreement”) is made and entered into by and between you and Pampena & Co. (the “Company”, “us”, “we”, or “our”). This Agreement sets forth the terms and conditions that govern your use of and access to the Website and any products, materials, and services provided by or on the Website (collectively, the “Services”).1. Acceptance of this Agreement1.1 Acceptance Through Using or Accessing the ServicesBy accessing or using the Services (or by clicking on “accept” or “agree” to this Agreement when prompted), you agree to be bound by the terms and conditions of this Agreement on behalf of yourself or the entity or organization that you represent. If you do not agree to the terms and conditions of this Agreement, you may not use or access the Services and must exit the Website immediately.1.2 Eligibility Requirements to Use or Access the ServicesTo use the Website or any other Services, you must be: (i) at least 18 years old, and (ii) not a competitor of or using the Services for purposes that are competitive with the Company.By accessing or using the Services, you represent and warrant that you meet all the foregoing eligibility requirements. You also represent and warrant that you have the right, authority, and capacity to enter into this Agreement on your behalf or the entity or organization that you represent. If you do not meet all these requirements, you may not use or access the Services.1.3 Changes to this AgreementThe Company reserves the right to change this Agreement from time to time in its sole discretion. Except for changes made for legal or administrative purposes, the Company will provide reasonable advance notice before the changes become effective. All changes will apply to your use of and access to the Services from the date the changes become effective and onwards. For new users, the changes will be effective immediately.Your continued use of or access to the Services following any changes to this Agreement shall constitute your acknowledgment of such changes and agreement to be bound by the terms and conditions of such changes. You should check this page frequently so that you are aware of any changes since they are binding on you.2. Access to the Services2.1 Changes to Your Access and the ServicesThe Services may change from time to time as the Company evolves, refines, or adds more features to the Services. The Company reserves the right to modify, withdraw, or discontinue the Services, in whole or in part, at any time without notice to you. You agree that the Company shall have no liability to you or any third party for any losses or damages caused by the Services not being available, in whole or in part, at any time or for any period.2.2 Creating an AccountYou may be required to register for an account and provide certain information about yourself to access the Services or certain features of the Services. You promise to provide us with accurate, complete, and updated information about yourself. The Company may have different types of accounts for different users. If you connect to any Services with a third-party service, you grant us permission to access and use your information from such service as permitted by that service to store your login credentials for that service. All information that you provide will be governed by our Privacy Policy (https://pampenaandco.com/privacy-policy/). You consent to all actions that we may take with respect to your information consistent with our Privacy Policy.2.3 Account ResponsibilitiesYou are entirely responsible for maintaining the confidentiality of your password and account. You are also entirely responsible for any and all activities associated with your account. Your account is personal to you and you agree not to provide any other person with access to the Services or any portions of it using your username, password, or other security information. You should ensure that you exit from your account at the end of each session. You should use extra caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. You may not transfer your account to anyone else without our prior written permission. You agree to notify the Company immediately of any actual or suspected unauthorized use of your account or any other breach of security. The Company will not be liable for any losses or damages arising from your failure to comply with the above requirements. You will be held liable for losses or damages incurred by the Company or any third party due to someone else using your account or password.2.4 Termination or Deletion of an AccountThe Company shall have the right to suspend or terminate your account at any time in our sole discretion for any or no reason, including if we determine that you have violated any terms or conditions of this Agreement.3. Policy for Using the Services3.1 Prohibited UsesYou may use the Services for lawful purposes only and in accordance with this Agreement. You agree not to use the Services in any way that could damage the Services or general business of the Company. You may use the Services for any business or commercial purposes.3.2 Prohibited ActivitiesYou further agree not to engage in any of the following prohibited activities in connection with using the Services:a. No Violation of Laws or Obligations. Violate any applicable laws or regulations (including intellectual property laws and right of privacy or publicity laws) or any contractual obligations.b. No Unsolicited Communications. Send any unsolicited or unauthorized advertising, promotional materials, spam, junk mail, chain letters, or any other form of unsolicited communications, whether commercial or otherwise.c. No Impersonation. Impersonate others or otherwise misrepresent your affiliation with a person or entity in an attempt to mislead, confuse, or deceive others.d. No Harming of Minors. Exploit or harm minors in any way, including exposing inappropriate content or obtaining personally identifiable information.e. Compliance with Content Standards. Upload, display, distribute, or transmit any material that does not comply with the Content Standards set out below in this Agreement.f. No Interference with Others’ Enjoyment. Harass or interfere with anyone’s use or enjoyment of the Services, or expose the Company or other users to liability or other harm.g. No Interference or Disabling of the Services. Use any device, software, or routine that interferes with the proper working of the Services, or take any action that may interfere with, disrupt, disable, impair, or create an undue burden on the infrastructure of the Services, including servers or networks connected to the Website.h. No Monitoring or Copying Material. Copy, monitor, distribute, or disclose any part of the Services by automated or manual processes, devices, or means. This includes, without limitation, using automatic devices such as robots, spiders, offline readers, crawlers, or scrapers to strip, scrape, or mine data from the Website; provided, however, that the Company conditionally grants to the operators of public search engines revocable permission to use spiders to copy materials from the Website for the sole purpose of and solely to the extent necessary for creating publicly available searchable indices of the materials, but not caches or archives of such materials.i. No Viruses, Worms, or Other Damaging Software. Upload, transmit, or distribute to or through the Services any viruses, Trojan horses, worms, logic bombs, or other materials intended to damage or alter the property of others, including attacking the Services via a denial-of-service or distributed denial-of-service attack.j. No Unauthorized Access or Violation of Security. Violate the security of the Services through (i) any attempt to gain unauthorized access to the Services or to other systems or networks connected to the Services, (ii) the breach or circumvention of encryption or other security codes or tools, or (iii) data mining or interference to any server, computer, database, host, user, or network connected to the Services.k. No Reverse Engineering. Reverse engineer, decompile, or otherwise attempt to obtain the source code or underlying information of or relating to the Services.l. No Collecting User Data. Collect, harvest, or assemble any data or information regarding any other user without their consent. This includes, without limitation, their emails, usernames, or passwords.m. No Other Interference. Otherwise attempt to interfere with the proper working of the Services.n. Attempt or Assist Others in Attempting. Attempt any of the foregoing or assist, permit, or encourage others to do or attempt any of the foregoing.3.3 Geographic RestrictionsThe Company is based in the United States of America, in the Commonwealth of Pennsylvania. The Services are for use by persons located in the United States only. By choosing to access the Services from any location other than the United States, you accept full responsibility for compliance with all local laws. The Company makes no representations that the Services or any of its content are accessible or appropriate outside of the United States.4. Terms and Conditions of Sale4.1 Purchasing ProcessAny steps taken from choosing Services to order submission form part of the purchasing process. The purchasing process includes these steps:a. By clicking on the checkout button, users open the third-party merchant checkout section, wherein they will have to specify their contact details and a payment method of their choice.b. After providing all the required information, users must carefully review the order and, subsequently, confirm and submit it by using the relevant button or mechanism on the Website, hereby accepting these Terms and committing to pay the agreed-upon price.4.2 Order SubmissionWhen you submit an order, the following applies:a. The submission of an order determines contract conclusion and therefore creates for you the obligation to pay the price, taxes, and possible further fees and expenses, as specified on the order page.b. In case the purchased Services requires active input from you, such as the provision of personal information or data, specifications or special wishes, the order submission creates an obligation for you to cooperate accordingly.c. Upon submission of the order, users will receive a receipt confirming that the order has been received.All notifications related to the described purchasing process shall be sent to the email address provided by you for such purposes.4.3 PricesYou are informed during the purchasing process and before order submission, about any fees, taxes and costs (including, if any, delivery costs) that you will be charged.4.4 Methods of PaymentInformation related to accepted payment methods are made available during the purchasing process. Some payment methods may only be available subject to additional conditions or fees. In such cases, related information can be found in the dedicated section of the Website. All payments are independently processed through third-party services. Therefore, the Website does not collect any payment information – such as credit card details – but only receives a notification once the payment has been successfully completed. If payment through the available methods fail or is refused by the payment service provider, the Company shall be under no obligation to fulfill the purchase order. Any possible costs or fees resulting from the failed or refused payment shall be borne by you.4.5 Retention of Usage RightsYou do not acquire any rights to use the purchased Services until the total purchase price is received by the Company.5. Contract Duration5.1 SubscriptionsSubscriptions allow you to receive Services continuously or regularly over a determined period of time. Paid subscriptions begin on the day the payment is received by the Company. In order to maintain subscriptions, you must pay the required recurring fee in a timely manner. Failure to do so may cause service interruptions.5.2 Fixed-term SubscriptionsPaid fixed-term subscriptions start on the day the payment is received by the Company and last for the subscription period chosen by you or otherwise specified during the purchasing process. Once the subscription period expires, the Services shall no longer be accessible, unless you renew the subscription by paying the relevant fee. Fixed-term subscriptions may not be terminated prematurely and shall run out upon expiration of the subscription term.5.3 Automatic RenewalSubscriptions are automatically renewed through the payment method that you chose during purchase unless you cancel the subscription within the deadlines for termination specified in the relevant section of these Terms and/or Website. The renewed subscription will last for a period equal to the original term. You shall receive a reminder of the upcoming renewal with reasonable advance, outlining the procedure to be followed in order to cancel the automatic renewal.5.4 TerminationRecurring subscriptions may be terminated at any time by sending a clear and unambiguous termination notice to the Company using the contact details provided in this document, or — if applicable — by using the corresponding controls inside the Website. Termination will be effective at the end of the current billing period.5.5 Termination NoticeIf the notice of termination is received by the Company before the subscription renews, the termination shall take effect as soon as the current period is completed.6. Intellectual Property Rights6.1 Ownership of Intellectual PropertyYou acknowledge that all intellectual property rights, including copyrights, trademarks, trade secrets, and patents, in the Services and their contents, features, and functionality (collectively, the “Content”), are owned by Pampena & Co, its licensors, or other providers of such material. The Content is protected by U.S. and international intellectual property and proprietary rights laws. Neither this Agreement nor your access to the Services transfers to you any right, title, or interest in or to such intellectual property rights. Any rights not expressly granted in this Agreement are reserved by Pampena & Co and its licensors.6.2 License to Use the ServicesDuring the Term of this Agreement, Pampena & Co grants you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to use and access the Content for your personal or internal business use in accordance with this Agreement. The Content may not be used for any other purpose. This license will terminate upon your cessation of use of the Services or at the termination of this Agreement.6.3 Certain RestrictionsThe rights granted to you in this Agreement are subject to the following restrictions:a. No Copying or Distribution. You shall not copy, reproduce, publish, display, perform, post, transmit, or distribute any part of the Content in any form or by any means except as expressly permitted herein or as enabled by a feature of the Services when provided to you.b. No Modifications. You shall not modify, create derivative works from, translate, adapt, disassemble, reverse compile, or reverse engineer any part of the Content.c. No Exploitation. You shall not sell, license, sublicense, transfer, assign, rent, lease, loan, host, or otherwise exploit the Content or the Services in any way, whether in whole or in part.d. No Altering of Notices. You shall not delete or alter any copyright, trademark, or other proprietary rights notices from copies of the Content.e. No Competition. You shall not access or use the Content in order to build a similar or competitive website, product, or service.f. Systematic Retrieval. You shall not use any information retrieval system to create, compile, directly or indirectly, a database, compilation, collection, or directory of the Content or other data from the Services.

6.4 Trademark NoticeAll trademarks, logos, and service marks displayed on the Services are either the property of Pampena & Co or the property of third parties. You may not use such trademarks, logos, or service marks without the prior written consent of their respective owners.7. User Content7.1 User Generated ContentThe Services may contain features that allow users to post, upload, submit, publish, display, or transmit content or materials (collectively, “User Content”) on or through the Services.You are solely responsible for your User Content. Please consider carefully what you choose to share. All User Content must comply with the Content Standards set forth below. Any User Content you post on or through the Services will be considered non-confidential and non-proprietary unless otherwise stated in our Privacy Policy. You assume all risks associated with the use of your User Content, including any reliance on its accuracy, completeness, reliability, or appropriateness by others, or any disclosure of your User Content that personally identifies you or any third party. You agree that Pampena & Co shall not be responsible or liable to any third party for any User Content posted by you or any other user of the Services.You further agree that Pampena & Co shall not be responsible for any loss or damage incurred as the result of any interactions between you and other users. Your interactions with other users are solely between you and such users. If there is a dispute between you and any other user, we are under no obligation to become involved.7.2 LicenseYou hereby grant to Pampena & Co a non-exclusive, royalty-free, transferable, worldwide license to reproduce, distribute, publicly display, publicly perform, prepare derivative works of, incorporate into other works, and otherwise use and exploit your User Content in connection with the Services and Pampena & Co’s business operations, including for promoting and redistributing part or all of the Services in any media formats and through any media channels.You represent and warrant that you have all rights necessary to grant the rights granted herein to any User Content that you submit. Please note that all such rights are subject to our Privacy Policy, available at [PRIVACY POLICY URL], to the extent your User Content contains personally identifiable information.7.3 Content StandardsYou agree not to send, knowingly receive, upload, transmit, display, or distribute any User Content that:a. Violates any applicable law, regulation, or contractual obligation;b. Promotes illegal activity or creates a risk of harm, loss, or damage to any person or property;c. Infringes any copyright, trademark, patent, trade secret, moral right, or other intellectual property right;d. Contains unlawful, defamatory, abusive, threatening, harassing, hateful, obscene, vulgar, profane, indecent, offensive, or otherwise objectionable material;e. Promotes sexually explicit material, violence, or discrimination based on race, sex, religion, nationality, disability, sexual orientation, or age;f. Contains false, intentionally misleading, or deceptive information, including impersonation or misrepresentation of identity or affiliation; org. Falsely suggests that the content is sponsored, endorsed, or approved by Pampena & Co or any other person or entity.7.4 Monitoring and EnforcementWe reserve the right, but not the obligation, to:a. Take any action with respect to any User Content that we deem necessary or appropriate in our sole discretion;b. Remove or reject any User Content for any or no reason;c. Disclose any User Content or related information to satisfy any law, regulation, legal process, or governmental request, or to protect the rights, property, or safety of Pampena & Co, our users, or others; andd. Terminate or suspend your access to all or part of the Services for any or no reason, including any violation of this Agreement.We do not review User Content before it is posted, and therefore cannot ensure prompt removal of objectionable material. Accordingly, Pampena & Co assumes no liability for any action or inaction regarding User Content.9. Feedback to the Company
If you provide the Company with any feedback or suggestions regarding the Services ("Feedback"), you hereby assign to the Company all rights in such Feedback and agree that the Company shall have the right to use and fully exploit such Feedback and related information in any manner it deems appropriate. The Company will treat any Feedback that you provide to the Company as non-confidential and non-proprietary. You agree that you will not submit to the Company any information or ideas that you consider to be confidential or proprietary.10. Assumption of Risk
The information presented on or through the Services is made available for general information purposes only. The Company does not warrant the accuracy, completeness, suitability, or quality of any such information. Any reliance on such information is strictly at your own risk. The Company disclaims all liability and responsibility arising from any reliance placed on such information by you or any other user to the Services, or by anyone who may be informed of any of its contents.11. Privacy
For information about how the Company collects, uses, and shares your information, please review our (Privacy Policy).All text messaging originator opt-in data and consent information will not be shared with any third parties, excluding aggregators and providers of the Text Message services necessary to deliver the SMS service. Your mobile information will not be shared with third parties or affiliates for marketing or promotional purposes.You agree that by using the Services you consent to the collection, use, and sharing (as set forth in the Privacy Policy) of such information.12-13 Omitted.14. Termination
14.1 Termination
The Company may suspend or terminate your access or rights to use the Services at any time, for any reason, in our sole discretion, and without prior notice, including for any breach of the terms of this Agreement. Upon termination of your access or rights to use the Services, your right to access and use the Services will immediately cease. The Company will not have any liability whatsoever to you for any suspension or termination of your rights under this Agreement, including for termination of your account or deletion of your User Content. If you have registered for an account, you may terminate this Agreement at any time by contacting the Company and requesting termination.14.2 Effect of Termination
Upon termination of this Agreement, any provisions that by their nature should survive termination shall remain in full force and effect. This includes, without limitation, ownership or intellectual property provisions, warranty disclaimers, and limitations of liability. Termination of your access to and use of the Services shall not relieve you of any obligations arising or accruing prior to termination or limit any liability that you otherwise may have to the Company or any third party. You understand that any termination of your access to and use of the Services may involve deletion of your User Content associated with your account from our databases.15. No Warranty
THE SERVICES ARE PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS. USE OF THE SERVICES IS AT YOUR OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT.WITHOUT LIMITING THE FOREGOING, THE COMPANY AND ITS LICENSORS DO NOT WARRANT THAT THE CONTENT IS ACCURATE, RELIABLE, COMPLETE, OR CORRECT; THAT THE SERVICES WILL MEET YOUR REQUIREMENTS; THAT THE SERVICES WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, UNINTERRUPTED, ERROR-FREE, OR SECURE; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR THAT THE SERVICES OR ITEMS OBTAINED THROUGH THE SERVICES WILL OTHERWISE MEET YOUR REQUIREMENTS OR EXPECTATIONS. TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE TO YOUR COMPUTER SYSTEM, MOBILE DEVICE, DATA, OR OTHER PROPRIETARY MATERIAL THAT MAY RESULT FROM YOUR USE OF THE SERVICES OR ITEMS OBTAINED THROUGH THE SERVICES OR YOUR DOWNLOADING OF ANY MATERIAL POSTED ON THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICES ADVERTISED OR OFFERED BY A THIRD PARTY THROUGH THE SERVICES OR THIRD-PARTY LINKS, AND WE WILL NOT BE A PARTY TO OR IN ANY WAY MONITOR ANY TRANSACTION BETWEEN YOU AND ANY THIRD-PARTY PROVIDERS OF PRODUCTS OR SERVICES OR ANY OTHER USER.THE SERVICES WOULD NOT BE PROVIDED WITHOUT THESE LIMITATIONS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US THROUGH THE SERVICES SHALL CREATE ANY WARRANTY, REPRESENTATION, OR GUARANTEE NOT EXPRESSLY STATED IN THIS AGREEMENT. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. IF APPLICABLE LAW REQUIRES ANY WARRANTIES WITH RESPECT TO THE SERVICES, ALL SUCH WARRANTIES ARE LIMITED IN DURATION TO NINETY (90) DAYS FROM THE DATE OF FIRST USE.16. Limitation of Liability
TO THE FULLEST EXTENT ALLOWED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY OR ITS AFFILIATES, OR THEIR RESPECTIVE LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR INABILITY TO USE THE SERVICES, ANY THIRD-PARTY LINK, OR ANY CONTENT ON THE SERVICES OR SUCH THIRD-PARTY LINK, INCLUDING, WITHOUT LIMITATION, ANY LOSS OF USE, REVENUE, OR PROFIT, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF DATA, LOSS OF GOODWILL, OR DIMINUTION IN VALUE, OR FOR ANY CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL, OR PUNITIVE DAMAGES WHETHER ARISING OUT OF BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, REGARDLESS OF WHETHER SUCH DAMAGE WAS FORESEEABLE AND WHETHER OR NOT THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SERVICES IS TO STOP USING THE SERVICES.IN NO EVENT SHALL THE COMPANY'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED THE GREATER OF (A) THE AMOUNT PAID BY YOU TO THE COMPANY IN THE SIX (6) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE LIABILITY OR (B) ONE HUNDRED DOLLARS ($100.00).SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO THE ABOVE LIMITATION AND EXCLUSIONS MAY NOT APPLY TO YOU.17. Indemnification
You agree to indemnify, defend, and hold harmless the Company and its affiliates and their respective officers, directors, employees, agents, affiliates, successors, and permitted assigns (collectively, "Indemnified Party") from and against any and all losses, claims, actions, suits, complaints, damages, liabilities, penalties, interest, judgments, settlements, deficiencies, disbursements, awards, fines, costs, fees, or expenses of whatever kind, including reasonable attorneys' fees, fees and other costs of enforcing any right to indemnification under this Agreement, and the cost of pursuing any insurance providers, arising out of or relating to your breach of this Agreement or your use or misuse of the Services including, but not limited to, your User Content or any actions taken by a third party using your account. The Company reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to assist and cooperate with our defense or settlement of these claims.18. Disputes
18.1 Governing Law
All matters relating to this Agreement, and all matters arising out of or relating to this Agreement, whether sounding in contract, tort, or statute are governed by, and construed in accordance with, the laws of the State of New Jersey, without giving effect to any conflict of law principles.18.2 Dispute Resolution and Mandatory Arbitration
BY PURCHASING OR USING ANY OF OUR PRODUCTS OR SERVICES, YOU EXPRESSLY AGREE THAT YOU WILL RESOLVE ANY DISPUTE THROUGH BINDING ARBITRATION AND WAIVE YOUR RIGHT TO BRING OR PARTICIPATE IN ANY LAWSUIT AGAINST THE COMPANY.Any dispute, claim, or controversy arising out of or relating to this Agreement, the breach, termination, enforcement, interpretation, or validity thereof, or the use of the Services (collectively, "Disputes") SHALL BE SETTLED BY BINDING ARBITRATION and not in a court of law. The arbitration shall be administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules in the State of New Jersey, United States. The arbitration shall be conducted by a single arbitrator selected in accordance with the rules of the American Arbitration Association.The arbitrator's award shall be final and binding on all parties and may be entered and enforced in any court of competent jurisdiction. To the fullest extent permitted by applicable law, no arbitration under this Agreement shall be joined to an arbitration involving any other party subject to this Agreement, whether through class arbitration proceedings or otherwise. The prevailing party in the arbitration proceedings shall be awarded reasonable attorneys' fees, expert witness costs and expenses, and all other costs and expenses incurred directly or indirectly in connection with the proceedings, unless the arbitrator shall for good cause determine otherwise.All arbitrations shall proceed on an individual basis. You agree that you may bring claims against the Company in arbitration only in your individual capacities and in so doing you hereby waive the right to a trial by jury, to assert or participate in a class action lawsuit or class action arbitration (either as a named-plaintiff or class member), and to assert or participate in any joint or consolidated lawsuit or joint or consolidated arbitration of any kind. Notwithstanding anything to the contrary under the rules of the American Arbitration Association, the arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding. If a court decides that applicable law precludes enforcement of any of this paragraph's limitations as to a particular claim for relief, then that claim (and only that claim) must be severed from the arbitration and may be brought in court.YOU UNDERSTAND AND AGREE THAT BY ENTERING INTO THESE TERMS, YOU ARE WAIVING THE RIGHT TO TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.18.3 Limitation to Time to File Claims
ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICES MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION AROSE; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY WAIVED AND BARRED.19. Miscellaneous
19.1 Waiver
Except as otherwise set forth in this Agreement, no failure of the Company to exercise, or delay by the Company in exercising, any right, remedy, power, or privilege arising from this Agreement shall operate or be construed as a waiver thereof, nor shall any single or partial exercise of any right, remedy, power, or privilege hereunder preclude any other or further exercise thereof or the exercise of any other right, remedy, power, or privilege.19.2 Severability
If any term or provision of this Agreement is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, such invalidity, illegality, or unenforceability shall not affect any other term or provision of this Agreement or invalidate or render unenforceable such term or provision in any other jurisdiction.

19.3 Entire Agreement
This Agreement, together with all documents referenced herein, constitutes the entire agreement between you and the Company with respect to the subject matter contained herein. This Agreement supersedes all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to the subject matter hereof.19.4 Headings
Headings and titles of sections, clauses, and parts in this Agreement are for convenience only. Such headings and titles shall not affect the meaning of any provisions of the Agreement.19.5 No Agency, Partnership or Joint Venture
No agency, partnership, or joint venture has been created between you and the Company as a result of this Agreement. You do not have any authority of any kind to bind the Company in any respect whatsoever.19.6 Assignment
You shall not assign or delegate any of your rights or obligations under this Agreement without the prior written consent of the Company. Any purported assignment or delegation in violation of this Section shall be deemed null and void. No assignment or delegation shall relieve you of any of your obligations hereunder. The Company may freely assign or delegate its rights and obligations under this Agreement at any time. Subject to the limits on assignment stated above, this Agreement will inure to the benefit of, be binding on, and be enforceable against each of the parties hereto and their respective successors and assigns.19.7 Export Laws
The Services may be subject to U.S. export control laws and regulations. You agree to abide by these laws and their regulations (including, without limitation, the Export Administration Act and the Arms Export Control Act) and not to transfer, by electronic transmission or otherwise, any materials from the Services to either a foreign national or a foreign destination in violation of such laws or regulations.19.8 Force Majeure
The Company shall not be liable or responsible to you, nor be deemed to have defaulted under or breached this Agreement, for any failure or delay in performance when and to the extent such failure or delay is caused by or results from acts beyond the Company's reasonable control, including, without limitation: acts of God; flood, fire, earthquake, explosion, or other natural disaster; epidemic or pandemic; war, invasion, hostilities, terrorist threats or acts, riot or other civil unrest; government order, law, or actions; embargoes or blockades; national or regional emergency; strikes, labor stoppages or slowdowns, or other industrial disturbances; shortage of adequate power or telecommunications or transportation facilities; or any other similar events.19.9 Compliance with Laws
You agree to comply with all applicable domestic and international laws, statutes, ordinances, and regulations regarding your use of the Services and your listing, purchase, solicitation of offers to purchase, and sale of items.19.10 No Third-Party Beneficiaries
This Agreement is for the sole benefit of the parties hereto and their respective successors and permitted assigns and nothing herein, express or implied, is intended to or shall confer upon any other person or entity any legal or equitable right, benefit, or remedy of any nature whatsoever under or by reason of this Agreement.20. SMS/Text Messages
20.1 SMS Program Description
Our SMS program provides text messages for appointment reminders, events, receipts, customer service, and occasionally promotional messages when you opt in. Message frequency varies depending on your interaction with our services.20.2 Opting Out
You can cancel the SMS service at any time. Simply text "STOP" to the shortcode (number provided). Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, or text "START" to resume receiving messages.20.3 Help and Support
If you experience issues with the messaging program, reply with the keyword "HELP" for more assistance or email [email protected].20.4 Carrier Liability
Carriers are not liable for delayed or undelivered messages.20.5 Message and Data Rates
Message and data rates may apply for messages sent to you from us and from you to us. Message frequency varies. For questions about your text plan or data plan, contact your wireless provider.20.6 Recurring Messages Disclosure
By opting into our SMS program, you authorize us to send recurring text messages to the mobile phone number you provide. Depending on your service selection, you may receive regular recurring messages. You are not required to agree to receive recurring messages as a condition of purchasing any goods or services.20.7 Prohibited Content
Our SMS messages will never contain:Phishing attempts, smishing, or social engineering to manipulate you into sharing private information
Illegal content (all content complies with federal and state laws)
SHAFT content (sex, hate, alcohol, firearms, and tobacco) that does not follow federal and state law and regulations20.8 SMS Opt-In Data Protection
All text messaging originator opt-in data and consent information will not be shared with any third parties, excluding aggregators and providers of the Text Message services necessary to deliver the SMS service. Your mobile information will not be shared with third parties or affiliates for marketing or promotional purposes.20.9 Privacy for SMS Services
For privacy-related inquiries regarding our SMS service, please refer to our Privacy Policy: https://nunomtavares.com/privacy-policy/21. Additional Protections and Liability Waivers
21.1 Data Security Standards
The Company implements reasonable security measures to protect your personal information in accordance with industry standards. However, no method of transmission over the Internet or electronic storage is completely secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.21.2 Service Level Commitment
While the Company strives to maintain 99.9% uptime of the Services, we do not guarantee uninterrupted access to the Services and shall not be liable for any downtime or service interruptions.21.3 Refund Policy
Unless otherwise specified at the time of purchase, all sales are final and non-refundable. In cases where a refund is granted at the Company's sole discretion, the refund will be issued using the original payment method.21.4 Account Information Updates
You are responsible for promptly updating your account information if there are any changes to your contact information or billing information.21.5 Reservation of Rights
All rights not expressly granted to you in this Agreement are reserved by the Company.21.6 Waiver of Right to Sue
BY PURCHASING OR USING OUR PRODUCTS OR SERVICES, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOU WAIVE ANY RIGHT TO SUE THE COMPANY IN COURT OR PARTICIPATE IN A CLASS ACTION LAWSUIT. You understand and agree that all disputes will be resolved exclusively through binding arbitration as described in Section 16.2. This waiver is intended to protect the Company from all forms of litigation, including predatory lawsuits and frivolous claims.21.7 Protection Against Vexatious Litigation
You agree not to bring, participate in, or support any vexatious, frivolous, or predatory litigation against the Company. Any attempt to circumvent the arbitration provision through such litigation shall entitle the Company to recover all legal costs, attorney's fees, and expenses associated with defending against such actions, regardless of the outcome.21.8 Covenant Not to Sue
You covenant and agree that you will not sue or file any action, claim, or legal proceeding against the Company or its employees, officers, directors, affiliates, or agents in any jurisdiction for any claims arising out of or in connection with your use of the Services, this Agreement, or any other matter related to the Company's products or services.21.9 Acknowledgment
BY USING THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THIS AGREEMENT, UNDERSTAND IT, AND AGREE TO BE BOUND BY ITS TERMS AND CONDITIONS.22. Contact Information
All notices of copyright infringement claims should be sent to the designated copyright agent as provided in Section 8 (Copyright Infringement). All other feedback, comments, requests for technical support, and other communications relating to the Services should be directed to:Email: [email protected]
Last Updated: March 20th, 2026