These Terms govern access to palmoneassociates.com, including its educational content, worksheets, contact form, and email or text update enrollment. The operator is C AND ASSOCIATES LLC, using C & Associates Advisory as the public brand.
1. Agreement and site eligibility
By accessing or using the site, you agree to these Terms. If you do not agree, do not use the site. You must be at least 18 years old to use the site or subscribe. The website describes a proposed restaurant finance-operations concept; it does not establish that a service is currently available.
2. Permitted use and site materials
You may read and use the site for lawful personal or business information. Do not interfere with the site, attempt unauthorized access, introduce malicious code, misuse forms or contact details, or use the site to violate law or another person’s rights. Text, layout, graphics, and brand materials are owned by or licensed to the operator and may not be copied, republished, or commercially exploited without permission, except for uses allowed by law.
If you send a message, you confirm you may provide its contents and contact details. Do not submit confidential financial account credentials, payment card details, or highly sensitive records. The site does not provide a file-upload portal. We may use your submission to respond and operate the requested contact or subscription flow as described in the Privacy Policy.
3. Restaurant finance information
Restaurant finance information is educational
C & Associates Advisory provides restaurant finance-operations content and describes a proposed Pizza Operator Finance Desk whose availability remains unconfirmed. Worksheets and sample figures are illustrative, and separately authorized marketing texts may promote the proposed desk. This content is not individualized financial, investment, tax, credit, or insurance advice and is not a recommendation to buy, sell, or hold a financial product, and no content is a solicitation. C & Associates Advisory is not a registered investment adviser, broker-dealer, licensed insurance agent or broker, tax professional, or credit counselor, and does not sell, issue, or broker financial or insurance products. Using the website or enrolling in messages does not establish a professional, client, fiduciary, or advisory relationship.
Financial decisions involve risk, and no outcome is guaranteed. Past performance does not guarantee or predict future results. Any forward-looking statement involves uncertainty and may differ from what occurs. Examples, worksheets, and calculations are general illustrations rather than an assessment of an individual operator or business. Consult an appropriately licensed professional who can evaluate your circumstances before making financial, tax, credit, or insurance decisions.
4. Text messaging and telephone consent
The optional text program sends recurring automated promotional texts about the proposed Pizza Operator Finance Desk, including service announcements and offers. By selecting the separate marketing SMS checkbox and submitting your number, you provide prior express written consent for C & Associates Advisory to send recurring automated marketing text messages using automated technology under the Telephone Consumer Protection Act (TCPA) and related rules. Your consent is not a condition of purchase or email subscription. Message frequency varies; message and data rates may apply. Program text messages are sent only between 8 a.m. and 9 p.m. in the recipient’s local time.
Reply STOP to unsubscribe. Reply HELP for help, or contact support@palmoneassociates.com. You may revoke SMS consent by any reasonable method, including a STOP or similar opt-out reply, email, or mail to our postal address; we honor revocation promptly and in any event within 10 business days of receipt. You can also use the unsubscribe mechanism in each informational email. A text opt-out does not unsubscribe you from email, and email unsubscribe does not revoke text consent.
Wireless carriers are not liable for delayed or undelivered messages. Delivery depends on your carrier and a supported, active mobile number. You are responsible for providing a number you control and for updating it if it changes. See the SMS Terms and Privacy Policy for program details and the mobile-information sharing rule.
5. Third-party destinations and availability
Links to third-party sites are provided for convenience. We do not control or guarantee their content, availability, security, or privacy practices. Site content and tools are provided on an “as available” basis and may be changed or removed.
6. Disclaimers, liability, and responsibility
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. No specific result is promised.
To the maximum extent permitted by law, C AND ASSOCIATES LLC and C & Associates Advisory will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or loss of data, revenue, profits, or business opportunity arising from site use. Any direct liability is limited to the amount, if any, paid by you to use the site during the 12 months before the event giving rise to the claim. Some jurisdictions do not permit certain limitations, so those limits apply only as far as lawful.
You agree to be responsible for claims, liabilities, and reasonable costs arising from your unlawful use of the site, your violation of these Terms, or your infringement of another person’s rights, except to the extent caused by our own conduct or where indemnification is not allowed by law.
7. Resolving concerns and governing law
Texas law governs these Terms, except where applicable federal law or mandatory consumer law controls. Before commencing a dispute, either party must send written notice describing the dispute and requested relief to the other party; notices to us may be sent to support@palmoneassociates.com. The parties will attempt informal resolution for 30 days after receipt. Unresolved disputes will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, with a seat in Burleson, Texas. Hearings may be remote where permitted by those rules. Either party may bring an eligible individual claim in small-claims court. Claims must proceed individually, not as class, collective, or representative actions, except where this restriction is unlawful. You may opt out of arbitration within 30 days after first accepting these Terms by emailing support@palmoneassociates.com with your name, contact details, and a clear arbitration opt-out statement. For 25 or more coordinated similar demands represented by the same or coordinated counsel, the parties will request sequential batches of no more than 25 demands under the provider’s applicable mass-arbitration rules, with remaining demands tolled while awaiting their batch; mandatory law and provider requirements control. Nothing restricts nonwaivable California public-injunctive relief or mandatory EU/UK consumer rights, including access to competent local courts. If arbitration or the individual-action waiver cannot lawfully be enforced for a claim, that claim will proceed in a competent Texas court unless mandatory consumer law requires another forum.
8. Changes and standard contract terms
We may update these Terms by posting a revised version with a new Last Updated date. If a provision is unenforceable, it will be limited only as needed and the remaining provisions will continue. Failure to enforce a provision is not a waiver. These Terms and the linked Privacy Policy, SMS Terms, and Disclaimer form the current site-use notices. They do not create a professional, advisory, fiduciary, or client relationship.
9. Contact
Questions about these Terms may be sent to support@palmoneassociates.com.
C AND ASSOCIATES LLC
5166 EAST FM, SUITE 108, BURLESON, TX 76028