Terms of Use
These Terms & Conditions (“Agreement”) constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and PAC ASSET MANAGEMENT (“we”, “us” or “our”), concerning your access to and use of the https://pacassetmanagement.com/ website (“Website”) and the services we offer (“Services”).

We may amend this Agreement at any time by posting the amended terms on our Website. We may or may not post notices on the homepage of our Website when such changes occur.

Content Disclaimer
Postings on our Website are made at such times as we determine in its discretion. You should not assume that the information contained on our Website has been updated or otherwise contains current information. https://pacassetmanagement.com/ does not review past postings to determine whether they remain accurate and information contained in such postings may have been superseded. THE INFORMATION AND MATERIALS IN OUR WEBSITE ARE PROVIDED FOR YOUR REVIEW IN ACCORDANCE WITH THE NOTICES, TERMS AND CONDITIONS SET FORTH HEREIN. THESE MATERIALS ARE NOT GUARANTEED OR REPRESENTED TO BE COMPLETE, CORRECT OR UP TO DATE. THESE MATERIALS MAY BE CHANGED FROM TIME TO TIME WITHOUT NOTICE.

Our Services and Legal Advice Disclaimer
The views expressed on this website are not intended as an offer or solicitation for the purchase or sale of any investment or financial instrument. The information contained herein does not constitute investment advice and should not be used as the basis of any investment decision. Any investment must be based on the information contained in that product’s offering materials. References to specific securities are included for the purposes of illustration only and should not be construed as a recommendation to buy or sell these securities. Although PAC ASSET MANAGEMENT uses all reasonable skill and care in compiling this information and considers the information to be reliable, no warranty is given as to its accuracy or completeness. The opinions expressed accurately reflect the views of PAC ASSET MANAGEMENT as of the date hereof and, while their opinions stated are honestly held, they are not guarantees and should not be relied upon and may be subject to change without notice.

No Warranties; Exclusion of Liability; Indemnification
OUR WEBSITE IS OPERATED BY ON AN “AS IS,” “AS AVAILABLE” BASIS, WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, WEBSITE SPECIFICALLY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NONINFRINGEMENT FOR OUR WEBSITE AND ANY CONTRACTS AND SERVICES YOU PURCHASE THROUGH IT. WE SHALL NOT HAVE ANY LIABILITY OR RESPONSIBILITY FOR ANY ERRORS OR OMISSIONS IN THE CONTENT OF OUR WEBSITE, FOR CONTRACTS OR SERVICES SOLD THROUGH OUR WEBSITE, FOR YOUR ACTION OR INACTION IN CONNECTION WITH OUR WEBSITE OR FOR ANY DAMAGE TO YOUR COMPUTER OR DATA OR ANY OTHER DAMAGE YOU MAY INCUR IN CONNECTION WITH OUR WEBSITE. YOUR USE OF OUR WEBSITE AND ANY CONTRACTS OR SERVICES ARE AT YOUR OWN RISK. IN NO EVENT SHALL EITHER PAC ASSET MANAGEMENT OR THEIR AGENTS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF OUR WEBSITE, CONTRACTS AND SERVICES PURCHASED THROUGH OUR WEBSITE, THE DELAY OR INABILITY TO USE OUR WEBSITE OR OTHERWISE ARISING IN CONNECTION WITH OUR WEBSITE, CONTRACTS OR RELATED SERVICES, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF ANY SUCH DAMAGES. IN NO EVENT SHALL PAC ASSET MANAGEMENT LIABILITY FOR ANY DAMAGE CLAIM EXCEED THE AMOUNT PAID BY YOU TO PAC ASSET MANAGEMENT FOR THE TRANSACTION GIVING RISE TO SUCH DAMAGE CLAIM.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.

WITHOUT LIMITING THE FOREGOING, PAC ASSET MANAGEMENT DO NOT REPRESENT OR WARRANT THAT THE INFORMATION ON THE WEBITE IS ACCURATE, COMPLETE, RELIABLE, USEFUL, TIMELY OR CURRENT OR THAT OUR WEBSITE WILL OPERATE WITHOUT INTERRUPTION OR ERROR.

PAC ASSET MANAGEMENT MAKES NO REPRESENTATION THAT CONTENT PROVIDED ON OUR WEBSITE, CONTRACTS, OR RELATED SERVICES ARE APPLICABLE OR APPROPRIATE FOR USE IN ALL JURISDICTIONS.

Indemnification
You agree to defend, indemnify and hold PAC ASSET MANAGEMENT harmless from and against any and all claims, damages, costs and expenses, including attorneys’ fees, arising from or related to your use of our Website or any Contracts or Services you purchase through it.

Third-Party Websites Links & Content
Our Website may contain links to other websites (“Third-Party Websites”) owned or operated by parties other than PAC ASSET MANAGEMENT.

Such links are provided for your reference only. PAC ASSET MANAGEMENT does not monitor or control outside Third-Party Websites and is not responsible for their content. PAC ASSET MANAGEMENT’S inclusion of links to a Third-Party Website does not imply any endorsement of the material on our Website or, unless expressly disclosed otherwise, any sponsorship, affiliation or association with its owner, operator or sponsor, nor does PAC ASSET MANAGEMENT’s inclusion of the links imply that PAC ASSET MANAGEMENT is authorized to use any trade name, trademark, logo, legal or official seal, or copyrighted symbol that may be reflected in the linked Third-Party Website.

Limited License
PAC ASSET MANAGEMENT grants you a non-exclusive, non-transferable, revocable license to access and use our Website and Services in order for you to make purchases of our policies and related Services through our Website, strictly in accordance with our Agreement.

Copyrights and Trademarks
Unless otherwise noted, all materials including without limitation, logos, brand names, images, designs, photographs, video clips and written and other materials that appear as part of our Website are copyrights, trademarks, service marks, trade dress and/or other intellectual property whether registered or unregistered (“Intellectual Property”) owned, controlled or licensed by PAC ASSET MANAGEMENT. Our Website as a whole is protected by copyright and trade dress. Nothing on our Website should be construed as granting, by implication, estoppel or otherwise, any license or right to use any Intellectual Property displayed or used on our Website, without the prior written permission of the Intellectual Property owner. PAC ASSET MANAGEMENT aggressively enforces its intellectual property rights to the fullest extent of the law. The names and logos of PAC ASSET MANAGEMENT, may not be used in any way, including in advertising or publicity pertaining to distribution of materials on our Website, without prior, written permission from PAC ASSET MANAGEMENT. PAC ASSET MANAGEMENT prohibits use of any logo of PAC ASSET MANAGEMENT or any of its affiliates as part of a link to or from any Website unless PAC ASSET MANAGEMENT approves such link in advance and in writing. Fair use of PAC ASSET MANAGEMENT’s Intellectual Property requires proper acknowledgment. Other product and company names mentioned in our Website may be the Intellectual Property of their respective owners.