TERMS & CONDITIONS

1. Introduction

Welcome to FORJA FINANCIAL LLC. These Terms and Conditions govern your use of our website located at forjafinancial.com operated by FORJA FINANCIAL LLC. Your access and use of the Service is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, and others who wish to access or use the Service. Please read these Terms and Conditions carefully before using our Service.

2. Communications

By submitting a contact form, you may choose to receive newsletters, promotional or marketing materials from us. Consent to receive SMS/MMS marketing messages is not a condition of any purchase or of using our Service, and is provided through a separate, optional opt-in checkbox on our forms. You may opt out of any communications at any time by following the unsubscribe link in emails or by replying STOP to any SMS.

SMS/MMS MOBILE MESSAGING MARKETING PROGRAM We respect your privacy. We will only use information to provide the services you requested and as detailed in our Privacy Policy. Program Description: By completing the opt-in form on our website, users agree to receive automated promotional and transactional text messages (e.g., SMS and MMS) from FORJA FINANCIAL LLC. These messages may include appointment reminders, service updates, promotional offers, and account notifications. Cost and Frequency: Message and data rates may apply. Message frequency varies based on user interaction. Opt-Out Instructions: You can cancel the SMS service at any time. Just text "STOP" to opt out. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again. Help Instructions: If you are experiencing issues with the messaging program you can reply with the keyword "HELP" for more assistance, or you can get help directly at [email protected] or call +1 (863) 266-5835. Carrier Liability: Carriers are not liable for delayed or undelivered messages.

3. Contests, Sweepstakes, and Promotions

Any contests, sweepstakes, or other promotions available through the Service may be governed by rules separate from these Terms and Conditions. If you participate in any Promotion, please review the applicable rules, as well as our Privacy Policy. If the rules of a Promotion conflict with these Terms and Conditions, the Promotion rules will apply.

4. Intellectual Property

The Service and its original content (excluding Content provided by users), features, and functionality are and will remain the exclusive property of FORJA FINANCIAL LLC and its licensors.

5. Links to Other Web Sites

Our Service may contain links to third-party websites or services that are not owned or controlled by FORJA FINANCIAL LLC. FORJA FINANCIAL LLC has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites or services. We do not guarantee the offers of any of these entities/individuals or their websites.

6. Limitation of Liability

In no event shall FORJA FINANCIAL LLC, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including, but not limited to, loss of profits, loss of data, use, goodwill, or other intangible losses, resulting from: (a) your access or use of or inability to access or use the Service; (b) any conduct or content of any third party on the Service; (c) any content obtained from the Service; (d) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is determined to have failed of its essential purpose.

7. Disclaimer

Your use of the Service is at your own risk. The Service is provided "AS IS" and "AS AVAILABLE". The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

8. Exclusions

Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential damages or incidental damages, so the above limitations may not apply to you.

9. Governing Law

These Terms shall be governed and construed in accordance with the laws of Florida, USA, without regard to its conflict of law provisions.

10. Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined in our sole discretion.

11. Contact Us

If you have any questions about these Terms, please contact us at [email protected] or +1 (863) 266-5835. FORJA FINANCIAL LLC

12. Age Restriction

e Service is intended only for access and use by individuals at least eighteen (18) years old. By accessing or using any of FORJA FINANCIAL LLC's services, you warrant and represent that you are at least eighteen (18) years of age and with the full authority, right, and capacity to enter into this agreement and abide by all of the terms and conditions of these Terms. If you are not at least 18 years old, you are prohibited from both the access and usage of this Service.