Effective Date: February 2026

1. Use of the Website

You may use this website for lawful purposes only. You agree not to:

• Violate any applicable laws or regulations

• Submit false or misleading information

• Interfere with the operation of the website

We reserve the right to suspend or terminate access to anyone who violates these terms.

2. Submissions

By submitting information, deals, or documents through our forms:

• You represent that you have the right to share this information

• You grant us permission to use it for the purposes of evaluating, responding, or communicating regarding your submission

• We are under no obligation to accept or act on any submission

3. No Investment Advice

The content on this website is for informational purposes only and does not constitute financial, legal, or investment advice. You should consult your own advisors before making any investment or financial decisions.

4. Intellectual Property

All content on this website, including text, images, and logos, is owned by Steven Loewer or licensed to us. You may not copy, distribute, or use any content without express written permission.

5. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or practices of these sites. Accessing third-party links is at your own risk.

6. Limitation of Liability

To the maximum extent permitted by law, Steven Loewer shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or submissions.

7. Changes to Terms

We may update these Terms of Service from time to time. The updated version will be posted on the website with a revised “Effective Date.” Your continued use of the website constitutes acceptance of the updated terms.

8. Age Restriction

Our Website and services are intended for use only by individuals who are 18 years of age or older. By accessing or using our Website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into a binding agreement.

If you are under 18, you are not permitted to use this Website or any of our services. We reserve the right to verify your age and suspend or terminate your access if we believe you are under the required age or have provided false information regarding your age.

9. Message Frequency and Rates

As always, message and data rates may apply for any messages sent to you from us and to us from you. You will receive up to 4 messages a month. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

10. Privacy

Your use of the messaging program is also governed by our Privacy Policy. You can view it here: Privacy Policy

11. Contact

Questions about these Terms can be sent to:

Steven Loewer

Address: 30 N Gould St Ste R

Phone: +1 403-836-7411

Email: [email protected]

If you have any questions regarding privacy, please read our privacy policy:

https://stevenloewer.com/privacy-policy