Terms Of Use

1. 1. Defined Terms

   • “You” or “your” means the individual accessing or using the Site or Services, or the entity on whose behalf such individual is accessing or using the Site.
   • “Third parties” include lenders, service providers, and other entities offering products or services through the Site.

2. 2. Use of the Site and Services

   By using the Site or registering for Services (becoming a “Registered User”), you agree to:

   • a) Exclusive Use – Your account is for your personal business use only and may not be transferred.
   • b) Information Submitted – You are solely responsible for all information and content you provide.
   • c) Risk Assumption – You assume all risk when using the Site and Services.
   • d) No Guarantees – We do not guarantee any outcome from the use of our Services.
   • e) Accuracy – You will submit true, current, and complete information.
   • f) Legal Purpose – You will use the Site only in accordance with applicable law.
   • g) Business Purpose Only – You will use the Site solely for legitimate business purposes, not personal, family, or household purposes.
   • h) Age Requirement – You must be at least 18 years old.
   • i) Errors and Delays – We are not responsible for delays or errors beyond our reasonable control.

3. 3. Intellectual Property

   • a) All content, trademarks, logos, designs, software, and proprietary information available on the Site are owned or licensed by McKenzie Capital UT LLC and protected by applicable laws.
   • You may use the Site only as permitted under this Agreement. You may not copy, reproduce, distribute, create derivative works, reverse engineer, or otherwise use the Site’s content without our prior written consent.
   • By submitting any content through the Site, you grant us a perpetual, worldwide, non-exclusive, royalty-free license to use such content for purposes related to the Services.

4. 4. Prohibited Conduct and Activities

   Prohibited activities include, but are not limited to:

   • Posting obscene, false, misleading, or unlawful content
   • Hacking or tampering with the Site
   • Violating copyright laws
   • Harassment
   • Introducing malware
   • Unauthorized use of the Site
   • Misuse of passwords
   • Creating unreasonable system loads

   Your use of the Site requires appropriate conduct at all times.

5. 5. User Information

   • Your use of the Site is subject to our Privacy Policy, incorporated by reference.
   • We may disclose information as required by law or as reasonably necessary to protect our rights or comply with legal processes.
   • We may use anonymized data for research and to improve our Services.

6. 6. Auto-Dialed Calls

   • By providing your telephone number, you expressly consent to receive calls or messages, including autodialed or prerecorded messages, unless you opt out. Consent is not a condition of receiving Services.
   • You may opt-out at any time by replying “STOP” or contacting us by phone or email.

7. 7. Links to Third-Party Websites and Dealings with Advertisers and Sponsors

   • Our Site may contain links to third-party websites. We are not responsible for the content, policies, products, or services of any third-party websites. Your interactions with those websites are solely between you and the third party.

8. 8. Disclaimer of Warranties

   • To the fullest extent permitted by law, the Site and Services are provided “AS IS” and “AS AVAILABLE”, without any warranties of any kind.
   • We do not warrant uninterrupted access, error-free operation, accuracy, reliability, completeness, or suitability of any content.
   • We are not liable for viruses, or any loss or damage resulting from reliance on third-party content.

9. 9. Limitation of Liability

   To the maximum extent permitted by law, McKenzie Capital UT LLC shall not be liable for:

   • Incidental, consequential, or special damages
   • Loss of data or service interruptions
   • Actions or omissions of third parties
   • Any amount exceeding the greater of (i) fees paid by you or (ii) $25

10. 10. Indemnification

    You agree to indemnify and hold harmless McKenzie Capital UT LLC and its affiliates, officers, employees, and agents from any claims arising out of:

    • Your use of the Site
    • Your violation of this Agreement
    • Your violation of any applicable laws
    • Your infringement of third-party rights

11. 11. Email Communications

    • You are responsible for maintaining a current email address and understanding the risks associated with electronic communication.

12. 12. Suspension or Termination

    • We may suspend or terminate your access to the Site or Services at any time, with or without notice. Fees already paid are nonrefundable.

13. 13. General Provisions

    • Governing Law – Florida law applies without regard to conflicts principles.
    • Jurisdiction – Exclusive venue lies in the state and federal courts of the Central District of Florida.
    • Entire Agreement – This Agreement and our Privacy Policy constitute the full agreement between you and us.
    • Severability – Invalid provisions will be replaced with enforceable terms that most closely reflect the Parties’ intent.
    • Survival – Certain provisions survive termination.
    • Statute of Limitations – Claims must be filed within one (1) year.

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