By engaging with or utilizing the services provided by CMA Financial, LLC, you acknowledge and agree to the following terms:
Not Debt Collectors: CMA Financial, LLC is not a debt collection agency. We do not engage in the practice of collecting debts on behalf of creditors or lenders. Our services are designed to provide assistance and guidance to individuals seeking to manage their financial situation, but we do not initiate debt collection activities.
No Guaranteed Results: While we strive to offer effective solutions and support, CMA Financial, LLC does not guarantee specific outcomes or results. The effectiveness of our services may vary depending on individual circumstances, financial situations, and external factors beyond our control. We cannot assure that the use of our services will lead to specific financial outcomes or resolutions.
Informational Purposes Only: The information provided by CMA Financial, LLC is for informational purposes only and should not be considered as professional financial, legal, or debt collection advice. Users are encouraged to seek independent advice from qualified professionals regarding their specific financial circumstances.
User Responsibilities: Users of CMA Financial, LLC's services are responsible for making informed decisions based on their individual needs and circumstances. It is important to carefully review and understand any agreements or recommendations provided by CMA Financial, LLC before taking any action.
No Endorsement: Mention of third-party products, services, or websites on CMA Financial, LLC's platform does not constitute an endorsement. Users should exercise their own judgment and discretion when considering external resources.
By accessing and using the services offered by CMA Financial, LLC, you acknowledge that you have read, understood, and agreed to the terms outlined in this disclaimer. CMA Financial, LLC reserves the right to update or modify this disclaimer at any time without prior notice.
Arbitration
Any dispute, question or difference arising between you and CMA FINANCIAL, LLC, its officers, directors, employees or any affiliate in connection with the Services or otherwise in regard to the relationship of the parties by virtue of these Terms, including the construction and scope of these Terms, that cannot be amicably resolved, shall be finally settled in accordance with Commercial Arbitration rules and regulations of the American Arbitration Association (“Association”) then in effect by one or more arbitrators mutually selected by the parties from the commercial panel of the Association. The arbitrator(s) to be appointed shall be English speaking persons. The arbitrator(s) shall have the power to extend time for pronouncing the award with the consent of the parties. Judgment upon an arbitration may be entered in any court having competent jurisdiction thereof, and shall be binding, final and non-appealable. The arbitrator(s) shall have the power to award any and all remedies and relief whatsoever that is deemed appropriate under the circumstances, including, but not limited to, money damages and injunctive relief. This arbitration provision shall be deemed to be self-executing and shall remain in full force and effect after the expiration or termination of these Terms. In the event any party fails to appear at any arbitration proceeding, an award may be entered against such party by default or otherwise notwithstanding said failure to appear. You hereby consent to arbitration to be held within the City of Miami, State of Florida, and irrevocably agree that all actions or proceedings relating to these Terms shall take place in the City of Miami and waive any objections that you may have based on improper venue or forum non conveniens. The arbitrator(s)’ fees in connection with any such arbitration proceeding shall be shared equally between the arbitrating parties.
Choice of Law
The Terms and your use of the Services shall be governed by and construed and enforced in accordance with the laws of the state of Florida, without regard to conflicts of laws’ provisions. YOU HEREBY WAIVE YOUR RIGHT TO A TRIAL BY JURY WITH RESPECT TO ANY CLAIM, ACTION OR PROCEEDING, DIRECTLY OR INDIRECTLY, ARISING OUT OF, OR RELATING TO, THESE TERMS OF SERVICE TO THE FULLEST EXTENT PERMITTED BY LAW. YOU UNDERSTAND THAT ABSENT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL.
Force Majeure
Neither party will be responsible for failure to perform any obligation under these Terms due to causes beyond the reasonable control of such party, including but not limited to strikes, lockouts, riots, epidemics, war, government regulation, fire, flood, natural disasters, Acts of God, or inadequacies of equipment, or other cause beyond the reasonable control of such party.
Severability
If any provision of the Terms is found unenforceable, that provision will be deemed to be modified to the extent necessary to make it enforceable, while preserving its intent. If any provision of the Terms is nonetheless held unenforceable in any jurisdiction, the provision will be enforced to the maximum extent permissible in that jurisdiction, and the enforceability of the Terms in any other jurisdiction and of the remaining provisions in that jurisdiction will not be affected. You further agree to replace such void or unenforceable provision of this Agreement with a valid and enforceable provision that will achieve, to the extent possible, the economic, business and other purposes of such void or unenforceable provision.
Electronic Signatures in Global and National Commerce Act/Uniform Electronic Transactions Act
The Federal Electronic Signatures in Global and National Commerce Act (“ESIGN”) and similar state laws, particularly the Uniform Electronic Transactions Act (“UETA”), authorize the creation of legally binding and enforceable agreements utilizing electronic records and signatures. ESIGN and UETA require businesses that want to use electronic records or signatures in consumer transactions to obtain the consumer’s consent to receive information electronically. When a User registers on the Site, we obtain his or her consent to transact business electronically and maintain electronic records in compliance with ESIGN and UETA requirements. Your use of electronic signatures to sign documents legally binds you in the same manner as if you had manually signed such documents. The use of electronic versions of documents fully satisfies any requirement that such documents be provided to you in writing. If you sign electronically, you represent that you have the ability to access and retain a record of such documents. You agree that you are responsible for understanding these documents and agree to conduct business by electronic means. You are obligated to review the Site periodically for changes and modifications and agree not to contest the admissibility or enforceability the Site’s electronically stored copy of this Agreement in any proceeding arising out of this Agreement. Although you consent to electronic delivery, you may elect to deliver communications by other means and such delivery shall not affect your consent. You may revoke consent to electronic delivery of communications and receive a paper version at your election. CMA FINANCIAL, LLC shall have a reasonable period to effect such a change. If you elect to use electronic delivery, you agree and represent that you have a suitable computer with Internet access, an email address and the availability to download, save and/or print communications to retain a record of such communications. You agree that you are solely responsible for maintaining such equipment and services required for online access.
Waiver and Integration
A provision of these Terms may be waived only by a written instrument executed by the party entitled to the benefit of such provision. The failure of any party at any time to require performance of any provision of these Terms will in no manner affect such party’s right at a later time to enforce the same. A waiver of any breach of any provision of these Terms will not be construed as a continuing waiver of other breaches of the same or other provisions of these Terms. These Terms of Service and other referenced materials are the entire agreement between you and CMA FINANCIAL, LLC with respect to the Services and supersede all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and CMA FINANCIAL, LLC with respect to the Services and govern the future relationship.
Changes to the Terms
Your use of the Site and the Services is governed by the then-current version of the Terms in effect on the date of such use. CMA FINANCIAL, LLC may, at its sole discretion, modify the Terms and/or other policies and procedures governing the Service at any time without notice or liability by posting the modified Terms, policies, or procedures to the Site. The date of any effective changes shall be reflected at the bottom of this page, and, upon request, we will provide you with information regarding any changes made. Your continued use of the Services after modified Terms have been posted or otherwise provided to you constitutes your agreement to be bound by the then-current Terms.
By engaging with CMA Financial, LLC, you acknowledge and agree to be bound by the terms and conditions set forth in this Policy as well as the Privacy Policy If you do not agree to these Policies, please do purchase anything, or enter into any transaction with us.
Be sure to return to this Policy periodically to review the most current version of the Policy. We reserve the right at any time, at our sole discretion, to change or otherwise modify this Policy without prior notice; however, the date of any effective changes shall be reflected at the bottom of this page and upon request we will provide you with information regarding any changes made. This policy was last updated on December 04, 2023.
