Terms of Service
Simulafinancial.com Online Terms of Service
Last Updated: August 28, 2024
Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes.
AGREEMENT BETWEEN USER AND SIMULA FINANCIAL COUNSELING – PLEASE READ
The terms and conditions set forth below (the “Terms”) govern your use of this website, www.SimulaFinancial.com, on the World Wide Web (the “Site”) and are legally binding on you. If you do not agree with any of these Terms, do not access or otherwise use this Site or any information contained on the Site. Your use of the Site shall be deemed to be your agreement to abide by each of the Terms set forth below.
Disputes pertaining to this website and our services are determined by arbitration. Please see the arbitration and class action waiver provisions below.
Simula Financial Counseling provides “The User” with access to its content, resources, tools for communication, commerce platforms, and other services through its network of websites (collectively, “The Service”). Simula Financial Counseling provides its service to the user, subject to the following Terms of Service.
Simula Financial Counseling is not responsible for providing you access facilities or equipment (in any form) to its Service. You, “The User,” also understand and agree that the Service may include advertisements and sponsorships, which are necessary for Simula Financial Counseling to provide the Service. You also understand and agree that Simula Financial Counseling makes no assertion about the suitability, reliability, availability, timeliness, and accuracy of the information, products, services, and related graphics contained within the Service for any purpose. The Service is provided “as is” without warranty of any kind. Simula Financial Counseling hereby disclaims all warranties and conditions with regard to the Service.
This website and our services are only available to individuals who are 18 years of age or older and who live in the United States. If you are younger than 18 years old and/or live outside of the United States, please leave this website.
ACKNOWLEDGMENT AND ACCEPTANCE OF TERMS OF SERVICE
The Service is provided to you, “The User,” under these terms and conditions, any amendments thereto, and any operating rules or policies that may be published from time to time by Simula Financial Counseling as part of the Terms of Service and related disclosures, which are cumulatively included herein by reference.
MODIFICATION OF THESE TERMS OF USE
Simula Financial Counseling reserves the right to change any of the terms, conditions, and notices under which the Services are offered. You are responsible for regularly reviewing these terms and conditions, including changes/modifications, if any, incorporated by us from time to time. Your continued use of the Service constitutes your agreement to all such terms, conditions, and notices.
MODIFICATION TO THE SERVICE
Simula Financial Counseling reserves the right to modify or discontinue, temporarily or permanently, the Service (or any part of the Service) with or without notice to “The User” at any time and from time to time. “The User” agrees that Simula Financial Counseling shall not be liable to “The User” or any third party for any modification or discontinuance of the Service.
USER CONDUCT
The Service may include email services, and/or other message or communication facilities designed to enable you to communicate with others (collectively, “Tools for Communication”). You agree to use the Tools for Communication only to post, send, and receive messages and material that are proper and, when applicable, related to the particular Tool for Communication. You also hereby agree that you shall not use “The Service” for any commercial purpose, including reselling and/or co-branding/private labeling.
As a condition of your use of the Service, you, “The User,” agree to:
(a) Provide true, accurate, current, and complete information about yourself;
(b) Maintain and promptly update your personal information to keep it accurate, current, and complete.
If you provide any information that is untrue, inaccurate, not current, or incomplete, Simula Financial Counseling has the right to terminate the user account and refuse any and all current or future use of the Service. You also consent that Simula Financial Counseling has the right to use your information to provide targeted advertising and other service offers.
USAGE OBLIGATIONS
As a condition of your use of the Service, you will not use the Service for any illegal purposes. You will be solely responsible for the contents of transmissions made by you through the Service.
You agree not to use the Service to:
(a) Obstruct or hinder the use and enjoyment of the Service by other Users;
(b) Violate any applicable laws and regulations;
(c) Impersonate any person or entity, or falsely state or misrepresent your affiliation with a person or entity;
(d) Interfere with or disrupt the Service or servers or networks connected to the Service;
(e) Upload, post, email, transmit, or otherwise make available any content that is unlawful, offensive, or violates the rights of others;
(f) Upload or transmit harmful software;
(g) Reproduce, duplicate, copy, sell, or exploit any portion of the Service for commercial purposes.
Simula Financial Counseling reserves the right to terminate your access to any or all of the Services at any time, without notice, for any reason.
USER ACCOUNT, PASSWORD, AND SECURITY
As part of the Service’s registration process, it may be necessary to provide current, complete, and accurate information. You take total responsibility for maintaining the confidentiality of your password and account.
You are responsible for all activities under your account. Simula Financial Counseling is not liable for unauthorized usage of your account.
PRIVACY POLICY
Registration information and certain other information about you are subject to our Privacy Policy. For more information, see our Privacy Policy.
LIMITATION OF LIABILITY
You expressly understand and agree that, to the extent permitted, Simula Financial Counseling shall not be liable for any damages arising from your use of the Service, including direct, indirect, incidental, special, or consequential damages.
GOVERNING LAW AND DISPUTE RESOLUTION
Disputes will be resolved exclusively through binding arbitration governed by the rules of the American Arbitration Association (AAA). This agreement waives all rights to participate in class actions. See full arbitration details above.
COPYRIGHT AND TRADEMARK NOTICES
All materials on the Site are the property of Simula Financial Counseling and are protected under copyright laws. You may download materials for personal use but may not modify, redistribute, or display them for commercial purposes.
CONTACT INFORMATION
Designated Agent – Copyright Infringement Claims
Simula Financial Counseling
ATTN: Legal
30 N Gould St # 46180
Sheridan, WY 82801
1-(844) 643-2889
SMS AND AUTO DIALED CALLS
By entering your contact information onto www.simulafinancial.com you expressly request to receive information via telephone call, email and text/SMS message (including through the use of an automatic telephone dialing system or artificial/prerecorded voice, even if your telephone number(s) is/are currently listed on any state, federal or corporate Do Not Call list). Consent is not a requirement to purchasing the goods or services that Simula Financial Counseling is offering. Standard text message rates and cellular data charges apply. You may opt-out by replying “stop” to any message that you receive.
PLEASE PRINT AND RETAIN A COPY OF THESE TERMS OF SERVICE FOR YOUR RECORDS.
