Legal
Terms of Use
The terms that govern use of this website and the limits of what is published here.
1. Acceptance
These Terms of Use govern your access to and use of this website, operated by Pedro Mercado, [LEGAL ENTITY / DBA PENDING]. By using the site you accept these terms.
2. Informational purpose only
The content on this site is provided for general information. It is not an offer of credit, a commitment to lend, or individualized financial, tax, or legal advice. No rates, terms, fees, or approval criteria are stated on this site; those are provided in writing during a review, in the form required by applicable regulation.
3. Inquiries and applications
Submitting a form on this site starts a conversation. It is not an application and creates no obligation on either side. Applications requiring sensitive financial information are completed inside a separate, access-controlled portal.
Do not submit Social Security numbers, bank account numbers, or financial statements through this website.
4. Consultations
Consultations are advisory sessions of a defined length. Scheduling and payment are handled by third-party providers under their own terms. Cancellation and rescheduling terms are stated at the time of booking. [CANCELLATION POLICY PENDING REVIEW.]
5. Sweepstakes
The vehicle sweepstakes is governed by its Official Rules, which control in the event of any conflict with these terms. No purchase or payment of any kind is necessary to enter or win, and a purchase will not improve your chances of winning.
6. Intellectual property
The content, marks, and materials on this site are owned by the operator or its licensors and may not be reproduced without permission.
7. Third-party links
This site may link to third-party sites. We are not responsible for their content or their practices.
8. Disclaimer and limitation of liability
The site is provided as-is, without warranties of any kind. To the extent permitted by law, the operator is not liable for any indirect, incidental, or consequential damages arising from use of the site. [DISCLAIMER LANGUAGE PENDING LEGAL REVIEW.]
9. Governing law
These terms are governed by the laws of [GOVERNING STATE], without regard to its conflict of law provisions. [VENUE AND DISPUTE RESOLUTION PENDING LEGAL REVIEW.]
10. Changes
We may update these terms. Changes are posted on this page with a revised effective date.
Effective date: [EFFECTIVE DATE].