Terms and Conditions

1. Agreement to Terms

These Terms of Use constitute a legally binding agreement between you and SCHWARTZMAN GLOBAL LLC ("Company," "we," "us," "our"), governing your access to and use of https://www.schwartzmanglobal.com and any related media, mobile website, or application (the "Site"). We are registered in Florida, USA, at 7754 Okeechobee Blvd 632, West Palm Beach, FL 33411. By accessing the Site, you confirm you have read and agreed to these Terms. IF YOU DO NOT AGREE, DISCONTINUE USE IMMEDIATELY. We may modify these Terms at any time; continued use constitutes acceptance. The Site is intended for users 18 years of age or older. Any information or advice we provide is for educational purposes only. Clients are solely responsible for how they apply it and for all resulting consequences. Our services do not constitute financial, business, medical, or psychological advice.

2. Intellectual Property Rights

All content, trademarks, logos, software, and materials on the Site are owned or controlled by us and protected by U.S. and international intellectual property laws. You are granted a limited license to access and use the Site solely for personal, non-commercial use. No Content or Marks may be reproduced, sold, licensed, or otherwise exploited commercially without our express prior written permission.

3. User Representations

By using the Site, you represent that all information you submit is true and complete; you have legal capacity to agree to these Terms; you are not a minor; you will not use automated means to access the Site; and your use will not violate any applicable law. Inaccurate information may result in suspension or termination of your account.

4. User Registration

You may be required to register with the Site. You are responsible for maintaining the confidentiality of your password and for all activity under your account. We reserve the right to remove or change any username we deem inappropriate.

5. Prohibited Activities

Prohibited activities include: systematic data retrieval to compile databases; deceiving or misleading users; circumventing security features; disparaging the Company; harassing or abusing other users; submitting false reports; unauthorized framing or linking; uploading viruses or malicious code; automated scraping or bot access; deleting copyright notices; impersonating other users; interfering with Site networks; bypassing access restrictions; copying Site software; and collecting user data for unsolicited communications.

6. User Generated Contributions

By posting any content ("Contributions"), you represent it does not infringe any third-party rights; you own or have all necessary permissions; it is not false, misleading, obscene, harassing, libelous, or otherwise objectionable; and it does not violate any applicable law or privacy rights. Violations may result in suspension or termination of access.

7. Contribution License

By posting Contributions, you grant us an irrevocable, perpetual, non-exclusive, royalty-free, worldwide license to host, use, copy, reproduce, publish, broadcast, translate, and distribute such Contributions for any purpose in any media format. You waive all moral rights in your Contributions. We may edit, re-categorize, or delete Contributions at any time without notice.

8. Guidelines for Reviews

Reviews must reflect genuine firsthand experience and must not contain offensive, discriminatory, or false content, nor be part of organized campaigns. We may accept, reject, or remove reviews at our sole discretion.

9. Mobile Application License

We grant you a non-exclusive, non-transferable, revocable license to install and use our mobile application on your personal device solely in accordance with these Terms. You may not decompile, reverse engineer, modify, or use the application for commercial purposes. For applications distributed via Apple App Store or Google Play, the applicable platform's terms govern use of their marketplace.

10. Social Media

You may link your Site account to third-party social media accounts, granting us permission to access your social media content as permitted by those platforms' terms. You may disconnect social media accounts at any time. We are not responsible for third-party social media platform content or actions.

11. Submissions

Any feedback or suggestions you submit become our sole and exclusive property. We may use Submissions for any lawful purpose without acknowledgment or compensation. You waive all moral rights in your Submissions.

12. Third-Party Websites and Content

The Site may contain links to third-party websites. We do not endorse and are not responsible for any third-party content. You assume all risk in accessing third-party sites and we are not liable for any resulting loss or damage.

13. Advertisers

Advertisers are solely responsible for any advertisements placed on the Site and for all products or services offered through those advertisements. We provide the space only and have no other relationship with advertisers.

14. Site Management

We reserve the right to monitor the Site, take legal action against violators, restrict or disable user access, remove burdensome content, and manage the Site to protect our rights and ensure proper functioning.

15. Privacy Policy

Our Privacy Policy at schwartzmanglobal.com/privacypolicy is incorporated into these Terms. By using the Site, you agree to be bound by it. By using the Site from outside the United States, you consent to your data being transferred to and processed in the United States.

16. Copyright Infringements

If you believe any Site content infringes your copyright, notify us immediately at policies@schwartzmanglobal.com. You may be held liable for material misrepresentations in any infringement notification.

17. Term and Termination

These Terms remain in force while you use the Site. We reserve the right to deny access, terminate accounts, and pursue legal action at our sole discretion for any breach. Terminated users may not re-register without our permission.

18. Modifications and Interruptions

We reserve the right to change or remove Site content at any time without notice or liability. We are not obligated to maintain the Site or supply corrections or updates.

19. Governing Law

These Terms are governed by the laws of the State of Florida, United States, without regard to conflict of law principles.

20. Dispute Resolution

Any legal action shall be filed in the state and federal courts of Miami-Dade County, Florida. The parties consent to jurisdiction in those courts. No claim may be brought more than one (1) year after the cause of action arose.

21. Corrections

We reserve the right to correct any errors, inaccuracies, or omissions on the Site at any time without prior notice.

22. Disclaimer

THE SITE IS PROVIDED AS-IS AND AS-AVAILABLE. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE ARE NOT LIABLE FOR ERRORS, UNAUTHORIZED ACCESS, INTERRUPTIONS, VIRUSES, OR ANY LOSS ARISING FROM USE OF THE SITE.

23. Limitations of Liability

IN NO EVENT SHALL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE LESSER OF THE AMOUNT YOU PAID US IN THE PRIOR THREE (3) MONTHS OR $1,000.00 USD.

24. Indemnification

You agree to defend, indemnify, and hold us harmless from any claims, liabilities, damages, or expenses arising from your Contributions, use of the Site, breach of these Terms, or violation of any third-party rights.

25. User Data

You are solely responsible for all data you transmit to the Site. We shall have no liability for any loss or corruption of data.

26. Electronic Communications

By using the Site, you consent to receive electronic communications from us satisfying any legal requirement that such communications be in writing.

27. California Users and Residents

California residents with unresolved complaints may contact the Complaint Assistance Unit of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or call (800) 952-5210.

28. Miscellaneous

These Terms constitute the entire agreement between you and us. Our failure to enforce any provision is not a waiver. We may assign our rights at any time. Invalid provisions shall be severed without affecting remaining Terms. No joint venture, partnership, or agency relationship is created by these Terms.

29. Developer Disclaimer — App Stores

The Company acts as developer and publisher of its applications but disclaims responsibility for how users interact with the application or with third-party content, services, or integrations accessed through it. Users are solely responsible for their actions while using the app.

30. Contact Us

SCHWARTZMAN GLOBAL LLC · 7754 Okeechobee Boulevard 632 · West Palm Beach, FL 33411 · United States · Phone: +1 (786) 310-4370 · Email: policies@schwartzmanglobal.com