Last Revised: November 18, 2025

Thank you for visiting our website and using our products and services. These Terms of Service describe the rules, conditions, and responsibilities that apply when you access our websites, digital platforms, applications, and related services. These terms create a legal agreement between you and us, so it is important that you review them carefully before using any of our services.

By accessing, browsing, or using our websites, applications, or other services, you confirm that you have read, understood, and agreed to follow these Terms of Service. Your use of our services also means that you accept any additional policies, notices, or guidelines that may apply, including our Privacy Policy. We may update these terms from time to time, and continued use of our services after changes are posted indicates your acceptance of the revised terms.

These Terms of Service apply to all visitors, customers, account holders, and other individuals who interact with our services. When you use our platforms, you agree to comply with all applicable laws, regulations, and requirements. You also agree that our services will only be used for lawful purposes and in a manner that does not harm, disrupt, or interfere with the operation, security, or availability of our platforms.

We may make changes to our services at any time. This includes modifying features, updating content, suspending certain functions, or discontinuing portions of our services when necessary. Changes may occur due to improvements in technology, business decisions, legal requirements, or operational needs. We reserve the right to make these adjustments without advance notice when permitted by applicable law.

We value communication and encourage customers to contact us whenever questions, concerns, or disagreements arise. We believe many issues can be resolved through direct discussion and cooperation. If a concern develops regarding our products, services, or these terms, both parties agree to make reasonable efforts to communicate and attempt to find a solution before beginning formal legal action.

If a dispute cannot be resolved through informal communication, certain disagreements may be handled through arbitration instead of traditional court proceedings. Arbitration provides an alternative process where disputes are reviewed and resolved by a neutral third party according to established procedures. This process is intended to provide an efficient method for addressing disagreements while reducing unnecessary costs and delays.

Before starting arbitration, the parties may be required to provide written notice explaining the issue, relevant details, and the requested solution. After receiving notice, both sides may have an opportunity to discuss the matter and attempt to reach an agreement. If the dispute remains unresolved after the required discussion period, either party may move forward with arbitration according to the applicable rules and procedures.

Users should understand that arbitration agreements may limit certain legal options, including the ability to bring claims as part of a class action or collective lawsuit. Where permitted by law, disputes may need to be handled individually rather than combined with claims from other individuals. Any available rights regarding arbitration participation or related choices will be provided according to applicable legal requirements.

When using our services, you agree to provide information that is accurate, complete, and current. If you create an account, you are responsible for protecting your login information and maintaining the confidentiality of your account details. You are also responsible for activities conducted through your account. Any unauthorized access, misuse, attempts to interfere with our systems, or actions that negatively affect service operations may result in restrictions, suspension, or termination of access.

All materials available through our websites and services, including written content, images, designs, graphics, trademarks, logos, software, and other digital materials, are protected by intellectual property laws. These materials belong to us or our authorized partners and may only be used for personal, non-commercial purposes unless written permission has been provided. Users may not copy, modify, distribute, reproduce, or exploit protected content without appropriate authorization.

Our services are provided on an “as available” and “as is” basis to the fullest extent allowed by law. Although we make reasonable efforts to maintain accurate information, reliable access, and quality service, we do not guarantee that our platforms will always operate without interruptions, errors, delays, or technical issues. Information may occasionally require updates, and we do not guarantee that all content will always be complete or current.

To the maximum extent permitted by applicable law, we are not responsible for indirect, incidental, special, consequential, or punitive damages that may result from your use of our services or inability to access them. Any responsibility that cannot legally be excluded will be limited to the greatest extent allowed under applicable laws.

These Terms of Service are governed by applicable federal and state laws. If any portion of these terms is found to be invalid, unlawful, or unenforceable, the remaining sections will continue to remain effective. Our decision not to enforce a specific provision at any time does not mean that we give up our right to enforce that provision in the future.

We remain committed to providing reliable services, maintaining transparent practices, and creating a positive experience for users. By continuing to access our websites, applications, products, and services, you acknowledge that you understand and agree to these Terms of Service, as well as any related policies and requirements.

For questions regarding these terms, customer concerns, or additional assistance, please contact us at [email protected] or call 1-800-574-7511.