TERMS OF SERVICE

These Terms of Service ("Terms") govern your access to and use of the Gruber Solutions LLC ("Gruber Solutions," "we," "us," or "our") website located at grubersolution.com (the "Site") and any related services we provide. By accessing or using our Site, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using our Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not access or use our Site.

2. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page with a new "Last Updated" date. Your continued use of the Site after such changes constitutes your acceptance of the modified Terms.

3. Use of the Site

Permitted Use

You may use our Site for lawful purposes only and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates applicable laws or regulations
• Engage in any conduct that restricts or inhibits anyone's use of the Site
• Attempt to gain unauthorized access to any portion of the Site or any systems or networks
• Use any automated system to access the Site in a manner that sends more requests than a human can reasonably produce
• Interfere with or disrupt the Site or servers or networks connected to the Site
• Transmit any viruses, malware, or other malicious code

Account Security

If you create an account or provide contact information through our Site, you are responsible for maintaining the confidentiality of your information and for all activities that occur under your account.

4. Information and Inquiries

No Financial Advice

The information provided on this Site is for general informational purposes only and does not constitute financial, legal, or professional advice. You should consult with appropriate professionals regarding your specific financial situation and needs.

No Guarantee of Services

Submitting an inquiry or application through our Site does not guarantee approval for financing or establish any obligation on our part to provide services. All financing decisions are made at our sole discretion based on our underwriting criteria.

5. SMS/Text Message Terms

If you opt in to receive SMS/text messages from Gruber Solutions, the following additional terms apply:

SMS Program Terms

• Message Frequency: Message frequency may vary. You may receive up to 4 messages per month.
• Costs: Message and data rates may apply based on your mobile carrier's plan. Consult your carrier for pricing details.
• Automated Dialing: Messages may be sent using an automated telephone dialing system (ATDS) for efficiency.
• Opt-Out Rights: You may opt out at any time by replying STOP to any text message. You will receive a confirmation message acknowledging your opt-out.
• Support: For assistance, reply HELP to any message or email us at gruber@grubersolution.com.
• Voluntary Participation: Consent to receive SMS messages is NOT a condition of purchasing any goods or services from Gruber Solutions.

We will process opt-out requests promptly. Once you opt out, you will no longer receive SMS messages from us unless you opt in again.

6. Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of Gruber Solutions LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, republish, download, store, or transmit any material from our Site without our prior written consent, except as necessary for your personal, non-commercial use.

7. Third-Party Links

Our Site may contain links to third-party websites or services that are not owned or controlled by Gruber Solutions. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible for any damages or losses caused by your use of such third-party websites or services.

8. Disclaimer of Warranties

THE SITE AND ALL INFORMATION, CONTENT, AND SERVICES PROVIDED THROUGH THE SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

We do not warrant that:

• The Site will be uninterrupted, secure, or error-free
• The information provided on the Site is accurate, complete, or current
• Any defects or errors will be corrected
• The Site or servers are free of viruses or other harmful components

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, GRUBER SOLUTIONS LLC 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 access to or use of or inability to access or use the Site
• Any conduct or content of any third party on the Site
• Any content obtained from the Site
• Unauthorized access, use, or alteration of your transmissions or content

10. Indemnification

You agree to defend, indemnify, and hold harmless Gruber Solutions LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the Site or your violation of these Terms.

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Gruber Solutions LLC operates, without regard to its conflict of law provisions.

Any disputes arising from or relating to these Terms or your use of the Site shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in a court of competent jurisdiction.

12. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

13. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Gruber Solutions regarding your use of the Site and supersede all prior agreements and understandings.

14. Contact Information

If you have any questions about these Terms, please contact us: