1. Acceptance of Terms
By accessing or using this website (the "Site"), you agree to comply with and be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Site.

2. Changes to Terms
We reserve the right to change or modify these Terms at any time, without prior notice. Your continued use of the Site following any such changes constitutes your acceptance of the new Terms.

3. User Eligibility
You must be at least 18 years old to use this Site. By using the Site, you represent and warrant that you meet this age requirement.

4. User Account
If the Site requires you to create an account, you agree to provide accurate and complete information during the registration process. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

5. User Conduct
You agree to use the Site for lawful purposes only. You must not:
- Violate any applicable laws or regulations.
- Infringe on the rights of others, including intellectual property rights.
- Post or transmit any content that is offensive, defamatory, or harmful.
- Use the Site in a manner that could damage, disable, overburden, or impair the Site's operation.
- Attempt to gain unauthorized access to the Site or any associated systems or networks.

6. Content
We may provide content, including text, images, and other materials, on the Site ("Content"). This Content is for informational purposes only and should not be considered as professional advice. We do not guarantee the accuracy, completeness, or reliability of any Content.

7. Identification and Prevention of Fraud
You agree that:
- Information you provide about yourself and your use of the Consumer Services must be complete and accurate as of the time provided, and you must keep this information up-to-date.
- To the extent law allows, we and our service providers may verify your identity.
- You must notify us immediately if you become aware of any unauthorized use or access to your account. You are responsible for any actions taken through the use of your credentials, except for actions taken after you have told us that your account or credentials have been compromised.

8. Communications via Text, Push Notification, Email, and Phone
To the extent allowable under law, by providing us with a phone number, you consent to receiving text (SMS) messages, push notifications, and phone calls from us. Such communications may include, but are not limited to, requests for secondary authentication, receipts, reminders, notifications regarding updates to your account or account support, requests for product feedback, and marketing or promotional communications. You acknowledge that you are not required to consent to receive promotional texts or calls as a condition of using any Consumer Service. Call and text message communications may be generated by automatic telephone dialing systems. Standard message and data rates your cell phone carrier applies may apply to the text messages we send you.

You may opt-out of receiving promotional email communications we send to you by following the unsubscribe options on such emails or by managing your communications preferences in the app. You may opt-out of text messages by replying STOP or by following instructions that you receive in the text message. You may opt-out of phone calls by notifying the caller or by contacting support. You acknowledge that opting out of receiving communications may impact your use of Consumer Services.

9. Intellectual Property
All Content and the Site itself are protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, distribute, or display any portion of the Site or its Content without our prior written consent. 10. Termination
We reserve the right to terminate or suspend your access to the Site at our discretion, without notice, for any reason, including if you violate these Terms.

11. Disclaimer of Warranties
The Site and its Content are provided "as is" and "as available" without any warranties of any kind, whether express or implied. We disclaim all warranties, including but not limited to the implied warranties of merchantability and fitness for a particular purpose.

12. Limitation of Liability
We shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the Site.

13. Governing Law
These Terms are governed by and construed in accordance with the laws of Texas. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located within Houston, Texas.