Terms of Use

Last updated: March 30, 2026

Agreement to our legal terms

We are Stefan Consulting Group LLC (“Company,” “we,” “us,” “our”), a company registered in Georgia, United States at 260 Peachtree Street Northwest, Suite 2200, Atlanta, GA 30303.

We operate the website https://www.stefanconsultinggroup.com (the “Site”), as well as any other related products and services that refer or link to these legal terms (the “Legal Terms”) (collectively, the “Services”).

These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”), and Stefan Consulting Group LLC, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.

We will provide you with prior notice of any scheduled changes to the Services you are using. The modified Legal Terms will become effective upon posting or notifying you by legal@stefanconsultinggroup.com, as stated in the email message. By continuing to use the Services after the effective date of any changes, you agree to be bound by the modified terms.

The Services are intended for users who are at least 13 years of age. All users who are minors in the jurisdiction in which they reside (generally under the age of 18) must have the permission of, and be directly supervised by, their parent or guardian to use the Services. If you are a minor, you must have your parent or guardian read and agree to these Legal Terms prior to you using the Services.

We recommend that you print a copy of these Legal Terms for your records.

Our services
Intellectual property rights
User representations
User registration
Purchases and payment
Policy
Prohibited activities
User generated contributions
Contribution license
Guidelines for reviews
Social media
Third-party websites and content
Advertisers
Services management
Privacy policy
Copyright infringements
Term and termination
Modifications and interruptions
Governing law
Dispute resolution
Corrections
Disclaimer
Limitations of liability
Indemnification
User data
Electronic communications, transactions, and signatures
SMS text messaging
California users and residents
Miscellaneous
Contact us

1. Our services

The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

2. Intellectual property rights

Our intellectual property

We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the “Content”), as well as the trademarks, service marks, and logos contained therein (the “Marks”).

Our Content and Marks are protected by copyright and trademark laws and treaties in the United States and around the world.

The Content and Marks are provided in or through the Services “AS IS” for your personal, non-commercial use or internal business purpose only.

Your use of our Services

Subject to your compliance with these Legal Terms, including the “Prohibited activities” section below, we grant you a non-exclusive, non-transferable, revocable license to:

access the Services; and
download or print a copy of any portion of the Content to which you have properly gained access,

solely for your personal, non-commercial use or internal business purpose.

Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

If you wish to make any use of the Services, Content, or Marks other than as set out in this section, please contact us at
legal@stefanconsultinggroup.com. If permission is granted, you must identify us as the owners or licensors and ensure all copyright or proprietary notices remain visible.

We reserve all rights not expressly granted to you in and to the Services, Content, and Marks.

Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.

Your submissions and contributions

Please review this section and the “Prohibited activities” section carefully before using our Services to understand your rights and obligations.

Submissions:
By sending us any feedback, suggestions, or other information (“Submissions”), you assign all intellectual property rights in such Submissions to us. We may use them freely without acknowledgment or compensation.

Contributions:
The Services may allow you to submit or post content (“Contributions”), including text, media, or other materials. Contributions may be publicly visible.

When you post Contributions, you grant us a license:
By posting Contributions, you grant us a worldwide, perpetual, royalty-free license to use, reproduce, distribute, and display your content for any purpose.

This includes the use of your name, trademarks, and any associated materials.

You are responsible for what you post:
By submitting content, you confirm that it is lawful, original, and not misleading or harmful.

Content must not be illegal, abusive, or misleading
You waive applicable moral rights where permitted
You confirm you have rights to share the content
Your content is not confidential

You are responsible for any losses caused by violations of these terms.

We may remove or edit your content:
We may remove or modify Contributions at any time without notice if they violate these Legal Terms.

Copyright infringement

We respect intellectual property rights. If you believe content infringes your rights, please refer to the “Copyright infringements” section.

3. User representations

By using the Services, you represent and warrant that: (1) you have the legal capacity and you agree to comply with these Legal Terms; (2) you are not under the age of 13; (3) you are not a minor in the jurisdiction in which you reside, or if a minor, you have received parental permission to use the Services; (4) you will not access the Services through automated or non-human means, whether through a bot, script or otherwise; (5) you will not use the Services for any illegal or unauthorized purpose; and (6) your use of the Services will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services (or any portion thereof).

4. User registration

You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

5. Purchases and payment

We accept the following forms of payment:

Wire
ACH
Visa
American Express
Mastercard
Discover
PayPal

You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Services. You further agree to promptly update your account and payment information, including your email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed. Sales tax will be added where required. We may change prices at any time. All payments shall be in US dollars.

You agree to pay all charges at the prices then in effect for your purchases and any applicable fees, and you authorize us to charge your chosen payment provider for such amounts upon placing your order. We reserve the right to correct any pricing errors, even if payment has already been requested or received.

We reserve the right to refuse any order placed through the Services. We may, at our discretion, limit or cancel quantities purchased per person, household, or order. These restrictions may include orders placed under the same account, payment method, or billing/shipping address. We also reserve the right to limit or prohibit orders that appear to be placed by dealers, resellers, or distributors.

6. Policy

All sales are final and no refund will be issued.

7. Prohibited activities

You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those specifically endorsed or approved by us.

As a user of the Services, you agree not to:

Systematically retrieve data or content to create a database or directory without written permission
Trick, defraud, or mislead us or other users
Bypass or interfere with security features
Harm the reputation of the company or Services
Use information to harass or harm others
Submit false reports or misuse support services
Violate applicable laws or regulations
Engage in unauthorized linking or framing
Upload harmful code, spam, or disruptive content
Use bots, scraping tools, or automation
Remove copyright notices
Impersonate another user
Upload spyware or tracking mechanisms
Disrupt services or networks
Harass or threaten staff
Bypass system restrictions
Copy or reverse engineer software
Use automated tools to access Services
Use agents to make purchases
Collect user data without consent
Compete with or exploit the Services commercially
Advertise or sell unauthorized products/services
Sell or transfer your account
Access other user accounts without permission
Create multiple accounts to evade restrictions
Post illegal, harmful, or offensive content
Promote illegal activities, violence, or fraud
Infringe intellectual property rights
Engage in exploitation, trafficking, or abuse
Participate in fraudulent financial schemes
Use stolen payment methods
Send spam or unsolicited communications
Distribute phishing or malicious links
Use Services if under required age
Share content that endangers minors
Expose yourself or others to legal liability
Assist others in violating these rules

8. User generated contributions

The Services may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality, and may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services, including but not limited to text, writings, video, audio, photographs, graphics, comments, suggestions, or personal information or other material (collectively, “Contributions”). Contributions may be viewable by other users of the Services and through third-party websites. As such, any Contributions you transmit may be treated as non-confidential and non-proprietary. When you create or make available any Contributions, you represent and warrant that:

Your Contributions do not infringe any intellectual property rights, including copyright, patent, trademark, trade secret, or moral rights of any third party
You own or have the necessary rights, licenses, and permissions to use and share your Contributions
You have consent from any identifiable individuals included in your Contributions
Your Contributions are not false, misleading, or inaccurate
Your Contributions are not unsolicited advertising, spam, or promotional materials
Your Contributions are not obscene, abusive, defamatory, or harmful
Your Contributions do not harass, intimidate, or threaten others
Your Contributions do not promote violence or harm
Your Contributions comply with all applicable laws and regulations
Your Contributions do not violate privacy or publicity rights
Your Contributions do not involve or exploit minors
Your Contributions do not include discriminatory or offensive content
Your Contributions do not violate these Legal Terms or link to violating content

Any use of the Services in violation of the above may result in suspension or termination of your access.

9. Contribution license

By posting your Contributions to any part of the Services, you automatically grant, and represent and warrant that you have the right to grant, to us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right and license to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt (in whole or in part), and distribute such Contributions (including your image and voice) for any purpose, including commercial and advertising purposes, and to prepare derivative works or incorporate them into other works, and to grant sublicenses of the foregoing. Use and distribution may occur in any media formats and through any media channels.

This license applies to any form, media, or technology now known or later developed and includes our use of your name, company name, trademarks, service marks, trade names, logos, and personal or commercial images you provide. You waive all moral rights in your Contributions and confirm that such rights have not been otherwise asserted.

We do not claim ownership of your Contributions. You retain full ownership and all intellectual property rights associated with your Contributions. We are not liable for any statements made in your Contributions. You are solely responsible for your Contributions and agree not to pursue legal action against us regarding them.

We reserve the right, at our sole discretion, to edit, modify, reclassify, or remove any Contributions at any time without notice. We are not obligated to monitor Contributions.

10. Guidelines for reviews

We may provide areas on the Services where you can leave reviews or ratings. When posting a review, you must comply with the following criteria:

You must have firsthand experience with the person or entity being reviewed
Your review must not contain offensive, abusive, racist, or hateful language
Your review must not include discriminatory references based on religion, race, gender, national origin, age, marital status, sexual orientation, or disability
Your review must not reference illegal activity
You must not be affiliated with competitors when posting negative reviews
You must not make legal conclusions about conduct
You must not post false or misleading statements
You must not organize campaigns to influence reviews (positive or negative)

We reserve the right to accept, reject, or remove reviews at our sole discretion. We are not obligated to screen or delete reviews, even if they are considered objectionable or inaccurate.

Reviews are not endorsed by us and do not necessarily reflect our opinions or those of our affiliates or partners. We are not liable for any review or for any claims, liabilities, or losses resulting from reviews.

By posting a review, you grant us a perpetual, non-exclusive, worldwide, royalty-free, fully paid, assignable, and sublicensable license to use, reproduce, modify, translate, transmit, display, perform, and distribute your review content.

11. Social media

As part of the functionality of the Services, you may link your account with online accounts you have with third-party service providers (each such account, a “Third-Party Account”) by either: (1) providing your Third-Party Account login information through the Services; or (2) allowing us to access your Third-Party Account, as is permitted under the applicable terms and conditions that govern your use of each Third-Party Account. You represent and warrant that you are entitled to disclose your Third-Party Account login information to us and/or grant us access to your Third-Party Account, without breach by you of any of the terms and conditions that govern your use of the applicable Third-Party Account, and without obligating us to pay any fees or making us subject to any usage limitations imposed by the third-party service provider of the Third-Party Account. By granting us access to any Third-Party Accounts, you understand that (1) we may access, make available, and store (if applicable) any content that you have provided to and stored in your Third-Party Account (the “Social Network Content”) so that it is available on and through the Services via your account, including without limitation any friend lists and (2) we may submit to and receive from your Third-Party Account additional information to the extent you are notified when you link your account with the Third-Party Account. Depending on the Third-Party Accounts you choose and subject to the privacy settings that you have set in such Third-Party Accounts, personally identifiable information that you post to your Third-Party Accounts may be available on and through your account on the Services. Please note that if a Third-Party Account or associated service becomes unavailable or our access to such Third-Party Account is terminated by the third-party service provider, then Social Network Content may no longer be available on and through the Services. You will have the ability to disable the connection between your account on the Services and your Third-Party Accounts at any time. PLEASE NOTE THAT YOUR RELATIONSHIP WITH THE THIRD-PARTY SERVICE PROVIDERS ASSOCIATED WITH YOUR THIRD-PARTY ACCOUNTS IS GOVERNED SOLELY BY YOUR AGREEMENT(S) WITH SUCH THIRD-PARTY SERVICE PROVIDERS. We make no effort to review any Social Network Content for any purpose, including but not limited to, for accuracy, legality, or non-infringement, and we are not responsible for any Social Network Content. You acknowledge and agree that we may access your email address book associated with a Third-Party Account and your contacts list stored on your mobile device or tablet computer solely for purposes of identifying and informing you of those contacts who have also registered to use the Services. You can deactivate the connection between the Services and your Third-Party Account by contacting us using the contact information below or through your account settings (if applicable). We will attempt to delete any information stored on our servers that was obtained through such Third-Party Account, except the username and profile picture that become associated with your account.

12. Third-party websites and content

The Services may contain (or you may be sent via the Site) links to other websites (“Third-Party Websites”) as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties (“Third-Party Content”). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Services or any Third-Party Content posted on, available through, or installed from the Services, including the content, accuracy, offensiveness, opinions, reliability, privacy practices, or other policies of or contained in the Third-Party Websites or the Third-Party Content. Inclusion of, linking to, or permitting the use or installation of any Third-Party Websites or any Third-Party Content does not imply approval or endorsement thereof by us. If you decide to leave the Services and access the Third-Party Websites or to use or install any Third-Party Content, you do so at your own risk, and you should be aware these Legal Terms no longer govern. You should review the applicable terms and policies, including privacy and data gathering practices, of any website to which you navigate from the Services or relating to any applications you use or install from the Services. Any purchases you make through Third-Party Websites will be through other websites and from other companies, and we take no responsibility whatsoever in relation to such purchases which are exclusively between you and the applicable third party. You agree and acknowledge that we do not endorse the products or services offered on Third-Party Websites and you shall hold us blameless from any harm caused by your purchase of such products or services. Additionally, you shall hold us blameless from any losses sustained by you or harm caused to you relating to or resulting in any way from any Third-Party Content or any contact with Third-Party Websites.

13. Advertisers

We allow advertisers to display their advertisements and other information in certain areas of the Services, such as sidebar advertisements or banner advertisements. We simply provide the space to place such advertisements, and we have no other relationship with advertisers.

14. Services management

We reserve the right, but not the obligation, to:

Monitor the Services for violations of these Legal Terms
Take appropriate legal action against users who violate the law or these Legal Terms, including reporting them to law enforcement
Refuse, restrict access to, limit availability of, or disable any Contributions or related content
Remove or disable files and content that are excessive in size or burdensome to our systems
Manage the Services to protect our rights, property, and ensure proper functionality

15. Privacy policy

We care about data privacy and security. Please review our Privacy Policy: https://www.stefanconsultinggroup.com/privacypolicy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be advised the Services are hosted in the United States. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Services, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States. Further, we do not knowingly accept, request, or solicit information from children or knowingly market to children. Therefore, in accordance with the U.S. Children’s Online Privacy Protection Act, if we receive actual knowledge that anyone under the age of 13 has provided personal information to us without the requisite and verifiable parental consent, we will delete that information from the Services as quickly as is reasonably practical.

16. Copyright infringements

We respect the intellectual property rights of others. If you believe that any material available on or through the Services infringes upon any copyright you own or control, please immediately notify us using the contact information provided below (a “Notification”). A copy of your Notification will be sent to the person who posted or stored the material addressed in the Notification. Please be advised that pursuant to applicable law you may be held liable for damages if you make material misrepresentations in a Notification. Thus, if you are not sure that material located on or linked to by the Services infringes your copyright, you should consider first contacting an attorney.

17. Term and termination

These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING WITHOUT LIMITATION FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION.

If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party, even if you may be acting on behalf of the third party. In addition to terminating or suspending your account, we reserve the right to take appropriate legal action, including without limitation pursuing civil, criminal, and injunctive redress.

18. Modifications and interruptions

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services.

We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors. We reserve the right to change, revise, update, suspend, discontinue, or otherwise modify the Services at any time or for any reason without notice to you. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance of the Services. Nothing in these Legal Terms will be construed to obligate us to maintain and support the Services or to supply any corrections, updates, or releases in connection therewith.

19. Governing law

These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the State of Georgia applicable to agreements made and to be entirely performed within the State of Georgia, without regard to its conflict of law principles.

20. Dispute resolution

Informal negotiations

To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a “Dispute” and collectively, the “Disputes”), the Parties agree to first attempt to resolve any Dispute informally for at least thirty (30) days before initiating arbitration. Informal negotiations begin upon written notice from one Party to the other.

Binding arbitration

If the Parties cannot resolve a Dispute through informal negotiations, it will be resolved by binding arbitration. You understand that without this provision, you would have the right to sue in court and have a jury trial.

The arbitration will follow the Commercial Arbitration Rules of the American Arbitration Association (AAA) and, where applicable, the AAA Consumer Rules. Arbitration fees and costs will follow AAA guidelines, and if deemed excessive, we will cover those costs.

The arbitration may be conducted in person, by documents, phone, or online. The arbitrator will issue a written decision and must follow applicable law. Arbitration will take place in Fulton County, Georgia, unless otherwise required.

If a Dispute proceeds in court, it will be handled in the state or federal courts located in Fulton County, Georgia. Both Parties consent to jurisdiction in these courts. The United Nations Convention on Contracts for the International Sale of Goods and UCITA do not apply.

No Dispute may be brought more than one (1) year after the cause of action arises. If any part of this section is found unenforceable, the remaining provisions will still apply, and disputes will be resolved in court as specified.

Restrictions

Arbitration will be limited to individual disputes between the Parties. To the extent permitted by law:

No arbitration will be combined with other proceedings
No class-action arbitration is permitted
No representative claims may be brought on behalf of others

Exceptions to informal negotiations and arbitration

The following Disputes are not subject to arbitration:

Disputes related to intellectual property rights
Claims involving theft, piracy, invasion of privacy, or unauthorized use
Claims seeking injunctive relief

If any part of this section is found unenforceable, such Disputes will be resolved in the courts specified above, and both Parties agree to that jurisdiction.

21. Corrections

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and various other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

22. Disclaimer

The Services are provided on an “as-is” and “as-available” basis. You agree that your use of the Services is at your sole risk.

To the fullest extent permitted by law, we disclaim all warranties, express or implied, in connection with the Services and your use thereof, including the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We make no warranties or representations about the accuracy or completeness of the Services’ content or the content of any third-party websites or applications linked to the Services.

We assume no liability or responsibility for:

Errors, mistakes, or inaccuracies in content
Personal injury or property damage resulting from use of the Services
Unauthorized access to or use of our servers or stored data
Interruptions or disruptions in service
Bugs, viruses, or harmful components transmitted through the Services
Errors or omissions in content or any resulting loss or damage

We do not warrant, endorse, or assume responsibility for any product or service offered by third parties through the Services or any linked platforms.

We are not responsible for monitoring any transaction between you and third-party providers.

As with any purchase or interaction, you should use your own judgment and exercise caution where appropriate.

23. Limitations of liability

In no event will we or our directors, employees, or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special, or punitive damages, including lost profit, lost revenue, loss of data, or other damages arising from your use of the Services, even if we have been advised of the possibility of such damages.

Notwithstanding anything to the contrary, our total liability to you for any cause and regardless of the form of action will at all times be limited to the lesser of the amount paid by you to us or $1,000.00 USD.

Certain US state laws and international laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some of the above limitations may not apply, and you may have additional rights.

24. Indemnification

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party arising out of:

Your Contributions
Your use of the Services
Your breach of these Legal Terms
Your breach of representations and warranties
Your violation of third-party rights, including intellectual property
Any harmful act toward another user of the Services

We reserve the right, at your expense, to assume exclusive defense and control of any matter subject to indemnification. You agree to cooperate with our defense of such claims.

We will use reasonable efforts to notify you of any such claim, action, or proceeding upon becoming aware of it.

25. User data

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of such data.

26. Electronic communications, transactions, and signatures

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications and agree that all agreements, notices, disclosures, and other communications we provide electronically, via email or through the Services, satisfy any legal requirement that such communication be in writing.

You agree to the use of electronic signatures, contracts, orders, and other records, and to electronic delivery of notices, policies, and records of transactions initiated or completed by us or through the Services.

You waive any rights or requirements under applicable laws that require original signatures, non-electronic records, or payments and credits by non-electronic means.

27. SMS text messaging

Program description

By opting into any Stefan Consulting Group text messaging program, you consent to receive recurring automated text messages (SMS) to your mobile number. Messages may include marketing communications, account alerts, appointment reminders, order updates, responses to inquiries, and special offers.

Opting in

When you opt in to receive text messages, you will see and agree to the following:

“I agree to receive recurring automated text messages at the phone number provided. Msg & data rates may apply. Msg frequency varies. Reply HELP for help and STOP to end. View our Terms and Conditions and Privacy Policy.”

Opting out

You can stop receiving SMS messages at any time by replying “STOP” to any message. You may receive a confirmation message. After opting out, you will no longer receive messages unless you re-subscribe.

Message and data rates

Message and data rates may apply based on your carrier and mobile plan. Carriers are not responsible for delayed or undelivered messages. Messages may be filtered by carriers, and we are not responsible for delivery issues caused by such filtering. For details, contact your wireless provider.

Support

If you need assistance with SMS communications, you can:

Reply “HELP” to any message
Email legal@stefanconsultinggroup.com
Call (800) 370-2940

For more information, please review our Privacy Policy at https://www.stefanconsultinggroup.com/privacy-policy/.

By providing your phone number and consenting to receive messages, you acknowledge that SMS communications are subject to the Telephone Consumer Protection Act (TCPA) and applicable regulations. Your consent applies only to Stefan Consulting Group LLC and cannot be transferred to other entities without your explicit authorization.

28. California users and residents

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.

29. Miscellaneous

These Legal Terms and any policies or operating rules posted by us on the Services or in respect to the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision or part of the provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Legal Terms and the lack of signing by the parties hereto to execute these Legal Terms.

30. Contact us

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

Stefan Consulting Group LLC

260 Peachtree Street Northwest
Suite 2200
Atlanta, GA 30303
United States

+1 (800) 370-2940

legal@stefanconsultinggroup.com

Monday – Friday, 9:00 AM – 5:00 PM EST