1. Acceptance of Terms
By accessing or using the Simmons Capital website (simmonscap.com) or any of its services, you agree to comply with these Terms of Service and all applicable laws and regulations. If you do not agree to these Terms, you may not access or use the Services. Simmons Capital reserves the right to modify these Terms at any time, and continued use after changes indicates your acceptance.
2. Eligibility and Use of Services
To use Simmons Capital’s Services, you must:
- Be at least 18 years old and capable of entering into a legally binding contract.
- Use the Services for legitimate purposes related to seeking financial advice, funding options, and other associated services.
- Provide accurate, current, and complete information when required.
Simmons Capital may suspend or terminate access if eligibility requirements are not met or if there is a breach of these Terms.
3. Account Registration and Security
To access certain features of the Services, you may need to create an account. You agree to:
- Maintain the confidentiality of your login credentials.
- Notify Simmons Capital immediately of any unauthorized access or security breaches.
- Accept responsibility for all activities occurring under your account.
Simmons Capital is not liable for any losses arising from unauthorized account access.
4. Intellectual Property Rights
All content on Simmons Capital’s platform, including but not limited to:
- Website design, text, graphics, logos, and proprietary software.
- Financial tools and service offerings.
These materials are owned by or licensed to Simmons Capital. You are granted a limited, non-exclusive license to access and use the content for personal and lawful purposes. Unauthorized copying, modification, or distribution is strictly prohibited.
5. Permitted and Prohibited Uses
You may use the Services to:
- Explore funding options and financial services.
- Engage with Simmons Capital’s advisors and receive personalized financial solutions.
You may not:
- Use the Services for any illegal or fraudulent purposes.
- Attempt to disrupt, modify, or reverse-engineer any part of the platform.
- Violate applicable local, state, or federal regulations.
Violation of these rules may result in account termination or legal action.
6. Third-Party Links and Content
The Website may contain links to third-party websites or services that are not owned or controlled by Simmons Capital. We are not responsible for the content, privacy practices, or availability of third-party sites. Your use of third-party websites is at your own risk, and Simmons Capital is not liable for any damages or losses resulting from such interactions.
7. Communications and Consent
By using the Services, you consent to receive:
- Email communications regarding account activity, promotions, and service updates.
- SMS messages or phone calls related to inquiries, account updates, and promotional offers.
You may opt out of marketing communications by following the provided instructions, but essential account-related communications will continue.
8. User Submissions and Feedback
If you submit suggestions, ideas, or feedback to Simmons Capital, you grant us a perpetual, royalty-free license to use, modify, and incorporate them without further obligation. We reserve the right to monitor, remove, or edit user-submitted content.
9. Privacy and Data Usage
Simmons Capital values your privacy and complies with all applicable data protection laws. Our Privacy Policy outlines how we collect, store, and protect your personal information. By using the Services, you acknowledge and agree to our data practices.
10. Indemnification
You agree to indemnify and hold harmless Simmons Capital, its officers, employees, and affiliates from any claims, damages, or liabilities arising from:
- Your use of the Services.
- Breaches of these Terms.
- Any actions or omissions resulting from your interaction with the platform.
11. Disclaimer of Warranties
The Services are provided “as is” and “as available” without any express or implied warranties, including but not limited to:
- Merchantability or fitness for a particular purpose.
- Continuous, secure, and error-free access to the Services.
Simmons Capital does not guarantee the accuracy or reliability of any financial advice or information provided through the platform.
12. Limitation of Liability
To the fullest extent permitted by law:
- Simmons Capital is not liable for indirect, incidental, or consequential damages.
- Our total liability for any claims related to the Services shall not exceed the amount you paid to Simmons Capital for the Services, if any.
13. Dispute Resolution and Arbitration
Arbitration Clause: Any disputes arising out of or relating to these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.
Waiver of Class Action: You agree to waive any right to participate in class actions or collective legal actions.
14. Termination of Services
Simmons Capital reserves the right to suspend or terminate your account or access to the Services if:
- You violate these Terms.
- Required by applicable law.
- You engage in conduct that negatively impacts the integrity of our platform.
Termination does not affect accrued rights or obligations.
15. Modifications to Services
Simmons Capital may modify, suspend, or discontinue any part of the Services at any time without notice. We are not liable for any consequences arising from such modifications.
16. Governing Law and Jurisdiction
These Terms are governed by the laws of the State of [Insert State] without regard to conflict of law principles. Any disputes or legal proceedings shall be handled in the courts of [Insert County, State].
17. Force Majeure
Simmons Capital is not liable for any delays or failure to perform due to causes beyond its control, including but not limited to natural disasters, acts of government, and system failures.
