Website Terms of Use

These Website Terms of Use (the “Terms”) govern access to and use of the websites, pages, forms, downloads, and related online materials made available by 3MP Solutions (“3MP,” “we,” “us,” or “our”). By accessing or using the website, you agree to be bound by these Terms and by the Privacy Policy incorporated by reference. If you do not agree, do not use the website.

The website is provided for general informational and business-marketing purposes only. Website content, downloads, and communications made through inquiry forms or other website features do not create any client relationship, fiduciary relationship, investment-adviser relationship, financial-planning relationship, attorney-client relationship, accountant-client relationship, agency relationship, or other professional-services relationship.

No obligation to review, respond to, or act on any submitted materials arises unless and until 3MP Solutions expressly accepts an engagement in a signed written agreement.

3MP Solutions provides financial analytics and decision-support services based on client-supplied business data. Unless expressly stated in a signed agreement, 3MP Solutions does not provide investment advice, tax advice, legal advice, financial planning, portfolio management, broker-dealer services, money transmission, banking, lending, debt collection, fiduciary services, CPA or CFP services, compliance determinations, or forensic accounting opinions.

Website content is provided “as is” for general informational purposes only. It is not a guarantee of results, not a certification or attestation, and not a recommendation that any person or business take or refrain from any investment, lending, tax, legal, treasury, reporting, or strategic action.

You are solely responsible for evaluating whether any information is suitable for your circumstances and for obtaining appropriate professional advice.

You may use the website only for lawful purposes related to evaluating or engaging 3MP Solutions. You may not use the website to upload malicious code, scrape restricted content, interfere with site operations, impersonate another person or entity, misrepresent your authority to submit information, or submit materials you are not legally authorized to share.

Do not submit Social Security numbers, access credentials, or other unnecessary sensitive personal information through website forms unless expressly requested in writing by 3MP Solutions.

By submitting any message, file, or information through the website, you represent and warrant that you have lawful authority to provide it, that it was lawfully obtained, and that the submission does not violate law, privacy rights, confidentiality obligations, court orders, fiduciary duties, employment duties, or contractual restrictions. 3MP Solutions may delete, reject, or ignore submissions that are overbroad, high-risk, or outside scope.

The website and its content, including text, branding, layouts, forms, downloadable materials, methodologies described at a high level, and other site materials, are owned by or licensed to 3MP Solutions and are protected by applicable intellectual-property laws. Except as expressly permitted in writing, you may not copy, modify, republish, distribute, create derivative works from, or commercially exploit website content.

The website may reference or link to third-party services or websites for convenience. 3MP Solutions does not control and is not responsible for third-party content, security, availability, or practices. Access to third-party websites is at your own risk.

3MP Solutions may modify, suspend, or discontinue any part of the website at any time without notice. The website is provided on an “as is” and “as available” basis. To the maximum extent permitted by law, 3MP Solutions disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, uninterrupted availability, and error-free operation.

To the maximum extent permitted by law, 3MP Solutions shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost profits, lost revenue, lost business opportunity, reputational harm, or data loss arising out of or relating to website use.

To the extent any direct-liability limitation is required, aggregate liability arising from website use shall not exceed one hundred U.S. dollars (US $100). Nothing in these Terms excludes liability to the extent such exclusion is prohibited by law.

You agree to defend, indemnify, and hold harmless 3MP Solutions and its owner from third-party claims, damages, liabilities, losses, costs, and reasonable attorneys’ fees arising from your violation of these Terms, your unlawful use of the website, your unauthorized submission of information, or your infringement or misappropriation of any rights of another person or entity.

These Terms are governed by the laws of the State of California, without regard to conflict-of-laws rules. Any dispute arising from or relating to the website that is not resolved informally shall be resolved by binding arbitration in California on an individual basis and not as a class, collective, or representative proceeding.

Either party may seek temporary injunctive relief in a court of competent jurisdiction to protect confidential information, intellectual property, or evidence pending arbitration.

3MP Solutions may update these Terms from time to time by posting a revised version on the website and updating the effective date. Your continued use of the website after revised Terms become effective constitutes acceptance of the revised Terms.