TÉRMINOS Y CONDICIONES

Terms and conditions

Last Updated: August 21, 2025

These Terms and Conditions (“Terms”) govern the use of the website and services offered by Palacios Financial Group (“we,” “us,” or “our”). By accessing or using this website, you agree to be bound by these Terms. If you do not agree, please do not use this website.

1. Use of the Website

You agree to use this website only for lawful purposes and in a manner that does not violate any applicable local, state, or federal laws. You agree not to:
– Use the website to submit false or misleading information,
– Copy, distribute, or exploit any content without permission,
– Attempt to gain unauthorized access to the website or its servers.

2. No Financial or Legal Guarantees

All information provided on this website is for educational and informational purposes only. Although we offer financial and insurance guidance, we do not guarantee specific financial results, investment returns, or policy approvals. Any decisions you make based on information from this site are at your own risk.

3. Appointment Scheduling and Cancellations

By submitting your information or scheduling an appointment, you authorize us to contact you via phone, email, or SMS. If you no longer wish to receive communications or need to cancel or reschedule an appointment, you may do so at any time by contacting us. Missed or canceled appointments do not incur a fee unless otherwise stated in advance.

4. Intellectual Property

All content on this website—including text, logos, graphics, videos, icons, and other materials—is the property of Palacios Financial Group or is used with proper authorization. You may not copy, reproduce, distribute, or modify any of this content without prior written consent.

5. Third-Party Links

This website may contain links to third-party websites for your convenience. We are not responsible for the content, policies, or accuracy of any third-party sites and your use of those websites is at your own risk.

6. Limitation of Liability

To the fullest extent permitted by law, Palacios Financial Group is not responsible for any damages arising from:
– The use or inability to use this website,
– Errors or interruptions in website functionality,
– Reliance on any information provided through the website,
– Any unauthorized access to your data.
Your use of this site is at your sole risk.

7. Privacy Policy

Your use of this website is also governed by our Privacy Policy, which explains how we collect, use, and protect personal information. By using this site, you acknowledge that you have read and agree to the Privacy Policy.

8. Compliance with State and Federal Laws

We comply with federal laws and regulations related to data privacy and electronic communications, including the Telephone Consumer Protection Act (TCPA). We provide services in multiple states; however, laws may vary by state. If you reside outside North Carolina, your rights may differ based on your state of residence.

9. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of North Carolina, USA, without regard to its conflict of law principles. Any disputes or legal claims shall be resolved exclusively in the state or federal courts located in North Carolina, where our offices are based.

10. Changes to These Terms

We may update these Terms from time to time. The most current version will always be posted on this website. Continued use of the site after any modifications constitutes acceptance of the updated Terms.