Welcome to JOEDOESHELOANS. Please read these Terms and Conditions carefully before using our website located at Joedoesheloans.com and the services we offer. By accessing or using our Site, you agree to comply with and be bound by these terms. If you do not agree with any part of these terms, please refrain from using our Services.

1. Acceptance of Terms

By accessing or using our Services, you affirm that you are at least 18 years old and capable of entering into legally binding agreements. If you are using our Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Changes to Terms

We reserve the right to modify or replace these Terms at any time. Updates will be noted by revising the “Last Updated” date at the top of this page. Continued use of the Services after such changes constitutes your acceptance of the new Terms.

3. Use of the Services

a. Eligibility
You must be at least 18 years old to use our Services. By agreeing to these Terms, you represent and warrant that you meet this eligibility requirement.

b. License
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use, subject to these Terms.

c. Prohibited Activities
You agree not to:

• Use the Services for any unlawful purpose

• Attempt to gain unauthorized access to any part of the Services

• Interfere with the proper functioning of the Services

• Use automated means to access the Services without our permission

• Upload or transmit any harmful or malicious code

4. User Accounts

a. Registration
To access certain features of the Services, you may need to create an account. You agree to provide accurate, current, and complete information and to update it as needed.

b. Security
You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us immediately of any unauthorized use or breach of security.

5. Intellectual Property

All content, trademarks, service marks, and logos displayed on the Site are the property of JOEDOESHELOANS or their respective owners. You may not use, reproduce, or distribute any of our intellectual property without our prior written consent.

6. Disclaimers

a. No Financial Advice
The content provided on this Site is for informational purposes only and does not constitute financial, legal, or professional advice. Always consult with a licensed professional before making decisions.

b. Service Availability
While we aim to provide uninterrupted service, we do not guarantee that the Services will always be available, secure, or error-free.

7. Limitation of Liability

To the fullest extent permitted by law, JOEDOESHELOANS shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or loss of profits, revenue, or data arising from your use of the Services.

8. Indemnification

You agree to indemnify, defend, and hold harmless  JOEDOESHELOANS, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or related to your use of the Services.

9. Governing Law

These Terms are governed by the laws of the State of New Jersey, without regard to conflict of law principles.

10. Termination

We reserve the right to suspend or terminate your access to the Services at any time, without prior notice or liability, for any reason, including breach of these Terms.

11. Contact Us

If you have any questions about these Terms and Conditions, please contact us:
Email: Jfalla@prmg.net

12. SMS Terms & Conditions

By opting in to receive SMS messages from JOEDOESHELOANS, you agree to the following terms:

A. SMS Consent Privacy
Phone numbers collected as part of the SMS consent process will not be shared with third parties for marketing purposes.

B. Types of SMS Communications
If consent has been given, you may receive messages related to:

• Appointment reminders

• Follow-up messages

• General inquiries or updates

Example Message:

“Thank you for reaching out to JOEDOESHELOANS. We’ve received your inquiry and are working on a solution. Our team will update you shortly. For further questions, reply or contact us at  (908)455-8484.”

C. Message Frequency
Message frequency may vary based on interaction, with up to 10 SMS messages per week for appointments, billing, and updates.

D. Potential Fees for SMS Messaging
Standard message and data rates may apply, depending on your carrier’s plan. Fees may differ for domestic vs. international messages.

E. Opt-In Method
You can opt in to SMS communications by filling out an online form. Located on our website.

F. Opt-Out Method
To stop receiving SMS messages:

• Reply “STOP” to any SMS

• Or contact us directly to be removed from the messaging list

G. Help
Need help?

• Reply “HELP” to any of our messages

• Or reach us at (908)455-8584

H. Standard Messaging Disclosure

• Message and data rates may apply

• Text “STOP” to opt out anytime

• Text “HELP” for assistance

• See our Privacy Policy and Terms and Conditions for more information