Terms & Conditions

This is a legal agreement between you and JCS Financial Group LLC ("JCS Financial Group"), located at 1395 Brickell Avenue, Suite 800, Miami, FL 33131. By accessing this website, including any sub-sites (collectively referred to as the "Site"), and/or using any services provided through the Site ("Services"), you acknowledge and agree to be bound by these Terms and Conditions ("Terms") and the JCS Financial Group Privacy Policy, which are incorporated herein by reference.

If you do not agree to these Terms, please discontinue use of the Site and Services immediately.

1 Defined Terms This Terms and Conditions Agreement ("Agreement") is entered into between you ("User," "you," or "your") and JCS Financial Group LLC ("JCS Financial Group," "we," "us," or "our"). By accessing or using our website ("Site") or any of our services ("Services"), you agree to be bound by these terms.

2 Privacy Policy
a. Our Privacy Policy is incorporated by reference into this Agreement. For details on how we collect, use, and share your information, please review our Privacy Policy. By using our Site or Services, you consent to the terms of our Privacy Policy.

b. Disclosure by Law. You acknowledge and agree that JCS Financial Group may disclose information you provide if required by law or if we, in our sole discretion, deem disclosure reasonable to comply with legal requirements, protect our rights, or prevent fraud.

c. Use of Anonymous Information. By using our Site or Services, you consent to the anonymous use of your information for research, improving business practices, and enhancing our Services.

3. Auto-Dialed Calls & Text Messages By providing your phone number to JCS Financial Group, you consent to receive phone calls and SMS/text messages, including via an automatic dialing system or pre-recorded voice. Consent is not required for purchases. Standard messaging and data rates may apply. To opt out, reply "STOP" or contact us directly.

4. Third-Party Links and Advertisers Our Site may include links to third-party websites. We do not endorse or assume responsibility for content, privacy policies, or business practices of these third parties. Any transactions or interactions with third parties are at your own risk.

5. Disclaimer of Warranties
a. No Warranties. Our Services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability or fitness for a particular purpose. We do not guarantee that our Services will be error-free or uninterrupted.

b. Viruses and Security Risks We are not responsible for any loss due to viruses or security breaches while using our Site or Services.

c. Third-Party Content. We do not endorse or take responsibility for any third-party content available through our Site or Services.

d. Beta Features. Any beta features we offer are experimental and provided without warranties.

6. Use of the Site and Services By accessing and using our Site and Services, you agree to the following terms:

a. Exclusive Use. Your account is for personal or business use only. You are responsible for maintaining the confidentiality of your account credentials and agree not to share access with others.

b. Accuracy of Information. You are solely responsible for ensuring that all information you provide to us is accurate, truthful, and up-to-date. Misrepresentation or falsification of any information may result in immediate termination of access to our Services.

c. Compliance with Laws. You agree to use the Site and Services only for lawful purposes and in compliance with all applicable federal, state, and local laws and regulations.

d. Prohibited Activities. You agree not to engage in any activities that: (i) disrupt or interfere with the operation of our Site or Services, (ii) attempt to gain unauthorized access to our systems, or (iii) involve the transmission of harmful code, such as viruses or malware.

7. Limitation of Liability
a. No Incidental Damages. JCS Financial Group is not liable for any incidental, indirect, or consequential damages resulting from the use of our Services.

b. No Liability for Third-Party Actions. We are not responsible for the conduct of users or third parties related to our Services.

c. Information Verification. We may attempt to verify user information, but we are not liable for errors in verification.

8. Indemnification You agree to indemnify and hold harmless JCS Financial Group, its employees, affiliates, and agents from any claims, losses, or damages resulting from your use of our Site or Services, violation of this Agreement, or infringement on third-party rights.

9. Email Communications You are responsible for maintaining a valid email address with us. We are not liable for communication failures due to email access issues.

10. Suspension of Services If your access to our Services is suspended due to a violation of this Agreement, all fees paid are nonrefundable, and outstanding payments become immediately due.

11. Termination We may suspend or terminate your access to our Site or Services at any time, with or without notice, for any reason. Termination does not relieve you of any payment obligations.

12.Securities Disclaimer JCS Financial Group LLC does not provide investment, legal, or financial advice. The information provided on our Site and through our Services is for informational purposes only and should not be construed as professional advice. We are not licensed securities brokers, dealers, or financial advisors, and any reliance on the information provided is at your own risk. You are encouraged to consult with licensed professionals before making any investment or financial decisions. Additionally, JCS Financial Group disclaims responsibility for the accuracy, completeness, or reliability of any third-party financial data presented on our Site or through our Services. Any actions you take based on such information are strictly at your own risk.

13. General Provisions
a. Site Hosting. Our Site is hosted in the United States. By using our Site, you consent to U.S. laws and data collection practices.

b. Entire Agreement. This Agreement, along with our Privacy Policy, constitutes the entire agreement between you and JCS Financial Group regarding the use of our Services.

By using our Site and Services, you acknowledge that you have read, understood, and agreed to this Agreement.