Welcome to Advice Guru, accessible from https://adviceguru.com/ (the “Website”). This Website is operated by PGAM Media LLC (“us”, “we”, or “our”). The following terms and conditions (“Terms”) govern your use of the Website.

By accessing, viewing, or using the content, material, products, or services available on or through the Website, you certify that you have read, understand, and agree to be legally bound by these Terms, as well as our Privacy Policy, incorporated herein by reference.

1. Eligibility

By using the Website, you represent and warrant that you are at least 18 years old and are otherwise legally qualified to enter into and form contracts under applicable law. This Website is available worldwide and we make no representation that it is appropriate or available for use in locations outside of the United States.

2. User Accounts and Account Security

You may be required to register for an account to access some or all of the services offered on the Website. If you choose to register, you agree to provide only accurate, complete registration information and you will keep that information up-to-date if it changes.

3. Content

Our Website allows you to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material (“Content”). You are responsible for the legality, reliability, and appropriateness of any Content you post or share on the Website.

4. Intellectual Property

All intellectual property rights in our Website and its content are owned by us or our licensors. You are permitted to use our Website for your personal, non-commercial use only, and you may download and print one copy of any page from our Website for this purpose. You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way.

5. Links To Other Websites

Our Service may contain links to third-party web sites or services that are not owned or controlled by PGAM Media LLC. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third party web sites or services.

6. Termination

We may terminate or suspend your account and bar access to the Website immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

7. Changes

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material we will try to provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

8. Liability and Indemnity

We are not liable for any loss or damage caused by a distributed denial-of-service attack, viruses, or other technologically harmful material that may infect your computer equipment, computer programs, data, or other proprietary material due to your use of the Website. You agree to indemnify us against any claims, losses, liabilities, damages, costs or expenses of any kind arising out of your use of the Website or any breach of these Terms.

9. Governing Law

These Terms shall be governed and construed in accordance with the laws of Florida, United States, without regard to its conflict of law provisions.

10. Dispute Resolution

Any dispute arising out of or relating to these Terms shall be resolved through final and binding arbitration, rather than in court.

11. Contact Us

If you have any questions about these Terms, please contact us at info@pgammedia.com