Last Updated: April 2025

1. Eligibility and Authority: You must be at least 18 years old to access or use our Services. If you are using our Services on behalf of a company or another legal entity, you represent that you have the authority to bind that entity to these Terms, in which case "you" will refer to that entity.

2. Accounts and Account Security: To access certain features of our Services, you must register for an account. When registering, you must provide accurate information and keep your account information up-to-date. You are responsible for maintaining the confidentiality of your account credentials and must notify us immediately at [email protected] if you believe your account has been compromised.

3. Privacy and CCPA Compliance: Our collection, use, and disclosure of information about you are governed by our Privacy Policy, available at:

https://fairofferinsacramento.com/privacy-policy

California Consumer Privacy Act (CCPA) Disclosure: If you are a California resident, you have specific rights regarding your personal information under Consumer Privacy Act (CCPA)

and the California Privacy Rights Act (CPRA). These include:

Right to Know: You may request information about the categories and specific pieces of personal data we collect, use, disclose, and sell.

Right to Delete: You may request that we delete your personal information, subject to legal exceptions.

Right to Opt-Out: We do not sell personal information. However, if that changes, we will provide an option for you to opt-out of the sale of your personal data.

Right to Correct: You may request corrections to inaccurate personal data we hold about you.

Right to Limit Use of Sensitive Personal Information: If applicable, you may request restrictions on how we use sensitive data.

To exercise your CCPA rights, you may submit a request by contacting us at [email protected] or by visiting our Privacy Policy page. We will not discriminate against you for exercising your rights under the CCPA.

4. Use of Our Services; License: Our Services may allow you to create, post, store, and share content. You retain your rights to any content you submit, post, or display on or through our Services. By submitting, posting, or displaying content on or through our Services, you grant us a worldwide, non-exclusive, royalty-free license (with the right to sublicense) to use, copy, reproduce, process, adapt, modify, publish, transmit, display, and distribute such content in any and all media or distribution methods (now known or later developed), subject to applicable laws.

5. Prohibited Conduct: You agree not to engage in any of the following prohibited activities:

- Use our Services for any unlawful purpose or in violation of any law, regulation, or ethical standard.

-Interfere with or disrupt the integrity or performance of the Services or the data contained therein.

-Attempt to gain unauthorized access to the Services or related systems or networks.

6. Terms of Sale: Subscriptions to our Services are billed on a recurring basis. You agree that S & H Properties may charge your payment method on file for such recurring charges. For more information on our subscription plans and pricing, please visit our Pricing page.

California Automatic Renewal Law (Cal. Bus. & Prof. Code § 17600 et seq.): If you are a California resident, you have the right to cancel your subscription at any time. To cancel, please contact us at [email protected] or through your account settings. We will send a reminder notice of any upcoming renewal charges at least 15 days but no more than 45 days before the renewal date. You may also cancel your subscription at any time and will not be charged for subsequent renewals.

7. Intellectual Property Rights: The Services and all intellectual property rights in the Services are owned by or licensed to S & H Properties. You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the Services for your lawful business purposes, subject to these Terms.

8. Third-Party Services: Our Services may contain links to third-party websites, services, and advertisements for third parties (collectively, "Third-Party Services"). S & H Properties does not endorse and is not responsible for the availability or accuracy of these Third-Party Services.

9. Dispute Resolution; Binding Arbitration: Any disputes arising out of or related to these Terms or the Services shall be resolved by binding arbitration in accordance with the rules of the American Arbitration Association. Arbitration shall take place in California, unless agreed otherwise by the parties. However, California consumers retain their rights under the California Consumer Legal Remedies Act (CLRA) and other applicable laws. You also have the right to opt out of binding arbitration within 30 days of accepting these Terms by notifying us at [email protected].

10. Governing Law: These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws rules.

11. Changes to These Terms: We reserve the right to modify these Terms at any time. If we make changes, we will post the revised Terms and update the 'Last Updated' date above. Your continued use of the Services after the posting of revised Terms constitutes your acceptance of the changes.

12. Termination: We may terminate your access to and use of the Services at our sole discretion, at any time and without notice to you, except as required by applicable law.

13. Contact Information: For any questions or concerns regarding these Terms or the Services, please contact us at: [email protected]

14. Consumer Rights Notice (California Residents Only): Under California Civil Code Section 1789.3

, California users are entitled to the following consumer rights notice: If you have a question or complaint regarding our Services, please contact us at [email protected]. California residents may also contact the Consumer Information Division of the California Department of Consumer Affairs at:

Address:

1625 North Market Blvd., Suite N-112, Sacramento, CA 95834

Phone:

(800) 952-5210

15. General: These Terms constitute the entire agreement between you and S & H Properties regarding your use of the Services and supersede all prior and contemporaneous written or oral agreements between you and S & H Properties. If any provision of these Terms is found to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the other provisions of these Terms will remain in force.

By using our Services, you confirm that you have read, understood, and agreed to be bound by these Terms of Service.