Terms and Conditions

1. Introduction

Thank you for visiting SMS.LemurFinance.com ("Website"). Throughout this Website, the terms "we," "us" and "our" refer to LemurFinance, which offers this Website to you conditioned upon your acceptance of all terms, conditions, policies, and notices stated herein.

2. Agreement to Terms

By accessing, viewing, or using any of our services, (i) you acknowledge that you have read, understand, and agree to be bound by and subject to these Terms and Conditions and Privacy Policy (collectively "Terms of Use"), unless separate terms are offered by you in writing and accepted by LemurFinance, and (ii) you represent and warrant that you are of legal age and not prohibited by law from accessing or using the goods and services offered herein. If you do not agree to all the Terms of Use of this agreement, then you may not access this Website or use any of its services.

3. Modification

We reserve the right, in our sole discretion, to change these Terms and Conditions at any time by posting revised terms on this Website. The date on which these Terms and Conditions have been last updated will be noted immediately above this page, and the revised Terms and Conditions will take effect seven (7) days after their publication on this Website. Your continued use of this Website after any such changes have been made constitutes acceptance of those changes.

4. License

This agreement provides you with a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to use this Website solely for your personal use or your internal business purposes. You may not:

1. Use, copy, store, reproduce, transmit, distribute, rent, lease, sell, transfer, license, sublicense, or commercially exploit this Website in any manner not expressly permitted by this agreement.
2. Modify, alter, decompile, disassemble, reverse engineer, translate, or make derivative works of this Website.
3. Interfere with, access, link to, or use any source code contained in this Website.
4. Erase or remove any proprietary or intellectual property notice contained in this Website and other services provided by LemurFinance.

5. SMS Consent

By entering your contact information into SMS.LemurFinance.com, you expressly request to receive information via recurring telephone call, email, and/or SMS/text message, including through the use of an automatic telephone dialing system or artificial/prerecorded voice, SMS/text message, even if your telephone number is listed on any internal, state, or federal Do-Not-Call registry list. Consent is not a requirement to purchase the goods or services that LemurFinance is offering.

You may opt out by replying "STOP" to any message that you receive, and you may request additional assistance by replying "HELP." Standard message and data rates may apply.

6. Limitations of Liability

LEMURFINANCE DOES NOT WARRANT, GUARANTEE, OR MAKE REPRESENTATIONS REGARDING YOUR USE, OR THE ULTIMATE OUTCOME OF YOUR USE OF THIS WEBSITE, IN TERMS OF AVAILABILITY, ACCURACY, RELIABILITY, COMPLETENESS, INTENDED PURPOSE, QUALITY, FUNCTIONALITY, OR OTHERWISE. THIS WEBSITE AND MATERIALS CONTAINED HEREIN ARE PROVIDED TO YOU "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, TITLE, NONINFRINGEMENT, FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTY OUT OF COURSE OF DEALING, USAGE OR TRADE.

YOU AGREE THAT LEMURFINANCE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, USE, LOSS OF DATA, LOSS OF SECURITY ARISING OUT OF OR IN ANY WAY CONNECTED TO YOUR USE OF THIS WEBSITE, OR OF INFORMATION OR MATERIALS AVAILABLE THROUGH THE WEBSITE, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF LEMURFINANCE HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

IN PARTICULAR, AND WITHOUT LIMITATION, TOTAL LIABILITY OF LEMURFINANCE FOR ANY REASON WHATSOEVER RELATED TO YOUR USE OF THIS WEBSITE, RESULTS FROM USE OF THIS WEBSITE, OR FOR ANY CLAIMS RELATING TO THIS AGREEMENT SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00 USD).

7. Governing Law

This agreement will be construed, enforced, and governed in accordance with the laws of the State of Wyoming without regard to any conflict of law principles. The state or federal courts in Laramie County, Wyoming will have exclusive jurisdiction and venue over all controversies in connection with this agreement, and you hereby consent to such exclusive and personal jurisdiction and venue. Any claim you may have against LemurFinance must be brought within one (1) year after the cause of action arises, or such claim or cause of action is barred. You agree to waive any right to a jury trial in connection with any action or litigation in any way arising out of or related to this Agreement and that each party has the right to seek attorneys' fees in any proceeding.

8. Binding Arbitration

The parties agree to submit any dispute arising out of or in any way relating to this Site to binding arbitration conducted by a single arbitrator under the Commercial Rules of the American Arbitration Association ("AAA") in Laramie County, Wyoming, rather than a proceeding in a court of law. All discovery shall be completed within sixty (60) days following the appointment of the arbitrator.

By agreeing to arbitration, you acknowledge that you are waiving the right to file a lawsuit and the right to a trial by jury in any action arising out of or related to this agreement.

9. No Class Actions

To the extent allowed by law, you and LemurFinance each agree to waive any right to pursue disputes on a consolidated or class-wide basis. That is, you may not join your claim with the claim of any other person or entity or assert a claim in a representative capacity on behalf of anyone else in any lawsuit, arbitration, or other proceeding.