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    Terms of Use

    These Terms of Use (the “Terms” or this “Agreement”) constitute a legally binding agreement between Prefcor Consulting LLC, a limited liability company organized under the laws of the State of New Jersey (the “Company,” “we,” “us,” or “our”), and you, whether acting personally or on behalf of the business entity you represent (“you,” “your,” or “User”), and govern your access to and use of the website located at www.prefcor.com, together with all associated webpages, content, features, functionality, and services made available through it (collectively, the “Platform”).

    The Company provides management consulting services across a range of operational and strategic settings within the healthcare industry, including, without limitation, strategy, operations, productivity, transformation, program design, change management, succession planning, quality improvement, and consumer experience. The Platform is intended solely to provide information about the Company and to enable prospective clients to submit inquiries and requests for consultations. The Platform does not offer goods or services for sale and does not collect or process any payments.

    PLEASE READ THESE TERMS CAREFULLY BEFORE USING THE PLATFORM. BY ACCESSING OR USING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND BY OUR PRIVACY POLICY. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE THE PLATFORM.

    PLEASE READ THE BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER PROVISIONS IN THE DISPUTE RESOLUTION SECTION OF THESE TERMS. IT AFFECTS HOW DISPUTES ARE RESOLVED. BY ENTERING INTO THIS AGREEMENT, YOU EXPRESSLY ACKNOWLEDGE THAT YOU UNDERSTAND THIS AGREEMENT, INCLUDING THE DISPUTE RESOLUTION, ARBITRATION PROVISIONS AND CLASS ACTION WAIVER AND ACCEPT ALL OF THE TERMS.

    1. Acceptance of Terms

    1. Agreement by Use. By accessing, browsing, or otherwise using the Platform in any manner, you agree to be bound by these Terms and by all policies, guidelines, and terms incorporated herein by reference, including the Privacy Policy and Cookie Policy. These Terms apply to all visitors and users of the Platform. Your access to and use of the Platform is expressly conditioned upon your acceptance of and compliance with these Terms, and your continued use constitutes your ongoing acceptance of them. If you are using this Platform on behalf of a company, organization, or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms, in which case the terms “you” and “your” refer to that entity. If you do not have such authority, you must not access or use the Platform.

    2. Age Requirement. The Platform is intended exclusively for businesses and for individuals who are eighteen (18) years of age or older and who are accessing the Platform for legitimate business purposes. By using the Platform, you represent and warrant that you are at least eighteen (18) years of age and possess the legal capacity and authority to enter into a binding agreement. The Platform is not directed to, and is not intended for use by, children or other individuals under the age of eighteen (18), and we do not knowingly collect personal information from such individuals. If we become aware that we have inadvertently collected personal information from a person under the age of eighteen (18), we will take reasonable steps to delete it.

    3. Updates and Modifications. We reserve the right, in our sole discretion, to modify, amend, supplement, or replace these Terms at any time. When we make material changes, we will revise the “Last Updated” date set forth at the end of these Terms and, where we deem it appropriate, provide additional notice through the Platform or by other reasonable means. Any changes become effective upon posting unless otherwise stated. Your continued access to or use of the Platform after revised Terms have been posted constitutes your acceptance of those revised Terms. It is your responsibility to review these Terms periodically. If you do not agree to any modification, your sole and exclusive remedy is to discontinue use of the Platform.

    2. License & Intellectual Property

    4. Limited License Grant. Subject to your continued compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and view the Platform, and to download or print discrete portions of its content, solely for your internal business purposes of evaluating and engaging the Company’s services. This license is personal to you and confers no right to resell, reproduce, distribute, publicly display, or otherwise commercially exploit the Platform or any of its contents. The Company may suspend or revoke this license at any time, with or without cause.

    5. Ownership of Platform IP. The Platform and all of its contents — including but not limited to text, graphics, logos, icons, designs, images, audio, video, software, source and object code, and the compilation, selection, coordination, arrangement, and overall “look and feel” thereof — are the exclusive property of the Company or its licensors and are protected by United States and international copyright, trademark, trade secret, and other intellectual property laws. All rights not expressly granted to you under these Terms are reserved by the Company and its licensors. Nothing in these Terms transfers to you any right, title, or interest in or to the Platform or any intellectual property rights therein.

    6. User-Generated Content License. To the extent you now or in the future submit, post, upload, transmit, or otherwise make available any content through the Platform, including without limitation comments, reviews, photographs, videos, profile information, or other materials (collectively, “User Content”), you grant the Company a worldwide, perpetual, irrevocable, non-exclusive, royalty-free, fully paid-up, transferable, and sublicensable license to use, host, store, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, publicly perform, and publicly display such User Content, in whole or in part, in any media now known or later developed, in connection with operating, providing, improving, and promoting the Platform and the Company’s services. This license survives any termination of these Terms or your use of the Platform with respect to User Content already submitted.

    7. Reverse Engineering Prohibition. You shall not, and shall not authorize, encourage, or permit any third party to, decompile, disassemble, reverse engineer, or otherwise attempt to discover or derive the source code, underlying ideas, structure, organization, or algorithms of any software comprising or used in connection with the Platform, except and only to the extent that such restriction is expressly prohibited by applicable law. You further shall not copy, modify, adapt, translate, or create derivative works of the Platform or any portion thereof, nor remove, alter, or obscure any proprietary notices contained therein.

    8. Trademark Usage. “Prefcor,” “Prefcor Consulting,” the Company name, the Company logo, and all related names, designs, slogans, and branding (collectively, the “Marks”) are trademarks or service marks of the Company, whether or not registered. You may not use, display, or reproduce the Marks, in whole or in part, without the prior written consent of the Company, and you may not use the Marks in any manner that is likely to cause confusion or that disparages or discredits the Company. Nothing in these Terms grants you any right or license to use the Marks, and all goodwill arising from use of the Marks inures solely to the benefit of the Company.

    9. Copyright Infringement / DMCA. The Company respects the intellectual property rights of others and expects its users to do the same. If you believe in good faith that any content available on the Platform infringes a copyright you own or control, please send a written notice to info@prefcor.com that includes: (i) a physical or electronic signature of the copyright owner or a person authorized to act on its behalf; (ii) identification of the copyrighted work claimed to have been infringed; (iii) identification of the material that is claimed to be infringing and information reasonably sufficient to permit us to locate it; (iv) your contact information, including address, telephone number, and email address; (v) a statement that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and (vi) a statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the owner’s behalf. We will respond to properly submitted notices in accordance with applicable law and may, in appropriate circumstances, remove the allegedly infringing material.

    3. Acceptable Use & Conduct

    10. No Automated Access / Bots. You shall not use any robot, spider, scraper, crawler, bot, or other automated means or interface not authorized by the Company to access the Platform, monitor or copy its content, or extract, collect, or harvest any data from it. You shall not engage in any data mining, scraping, or similar data-gathering activity, nor bypass, circumvent, or attempt to circumvent any measures we may use to prevent or restrict access to the Platform, including by disabling or interfering with security-related features.

    11. No Interference with Service. You shall not attempt to gain unauthorized access to the Platform, the servers on which it is hosted, or any associated systems, networks, or data; introduce any viruses, worms, malware, or other harmful or disruptive code; engage in any denial-of-service or distributed denial-of-service attack; impose an unreasonable or disproportionately large load on our infrastructure; or otherwise interfere with, disrupt, degrade, or impair the integrity, security, availability, or proper functioning of the Platform or any other user’s use of it. You shall comply with all applicable laws in connection with your use of the Platform.

    12. Enforcement and Consequences. We reserve the right, in our sole discretion and without obligation, to investigate any suspected violation of these Terms or any unlawful or improper conduct in connection with the Platform, and to take any action we deem appropriate, including without limitation issuing warnings; restricting, suspending, or terminating your access to all or part of the Platform; removing or disabling access to User Content; and cooperating with law enforcement authorities or pursuing legal action. We may take such action with or without prior notice and without liability to you. Our exercise or non-exercise of any right under this Section does not waive any other right or remedy available to us.

    4. Privacy & Data

    13. Privacy Policy Reference. Your access to and use of the Platform is also governed by our Privacy Policy and Cookie Policy, each of which is incorporated into these Terms by reference and made a part hereof. By using the Platform, you acknowledge and agree to the collection, use, disclosure, and other processing of your information as described in the Privacy Policy. In the event of any conflict between these Terms and the Privacy Policy with respect to the processing of personal information, the Privacy Policy shall control.

    14. Data Collection Overview. The Platform collects only limited personal information that you voluntarily provide, namely your name, email address, telephone number, business name, and any information you choose to submit through our contact or inquiry forms. This information is collected and used for the limited purposes of responding to your inquiries, scheduling and conducting consultations, and communicating with you about the Company’s services. The Platform does not sell products, does not process payments, and does not require the creation of a user account.

    15. Cookies and Tracking. The Platform may use cookies, pixels, tags, web beacons, analytics tools, and similar technologies to operate and secure the Platform, remember your preferences, measure traffic, and understand how the Platform is used so that we may improve it. You may be able to manage certain of these technologies through your browser settings. A more detailed description of the categories of cookies we use and their respective purposes and durations is set forth in our Cookie Policy, which forms part of our Privacy Policy.

    16. Third-Party Data Sharing. We do not sell your personal information. We may share your information with trusted third-party service providers that perform services on our behalf, such as website hosting, data storage, and analytics; with our professional advisors, such as legal, accounting, and insurance professionals; in connection with a corporate transaction such as a merger, acquisition, or asset sale; and where we reasonably believe disclosure is necessary to comply with applicable law or legal process, to enforce these Terms or other agreements, or to protect the rights, property, or safety of the Company, our users, or others. Any sharing of personal information is described more fully in, and conducted in accordance with, the Privacy Policy.

    17. Data Retention. We retain personal information only for as long as is reasonably necessary to fulfill the purposes for which it was collected, including to respond to and follow up on inquiries, to maintain appropriate business and transaction records, and to comply with our legal, accounting, and regulatory obligations. When personal information is no longer required for these purposes, we will take reasonable steps to securely delete, destroy, or de-identify it. Because the Platform does not maintain user accounts, retention is governed by these purposes and applicable legal requirements rather than by the deletion of an account.

    18. GDPR Compliance. If you are located in the European Economic Area, the United Kingdom, or Switzerland, you may have certain rights under the General Data Protection Regulation (“GDPR”) and equivalent or successor laws, including the rights to access, rectify, erase, or port your personal data; to restrict or object to certain processing; and to withdraw consent at any time where processing is based on consent, without affecting the lawfulness of processing carried out before such withdrawal. You also have the right to lodge a complaint with your local supervisory authority. The Company processes personal data only where it has a lawful basis to do so, including where processing is necessary to respond to your request, where we have a legitimate interest that is not overridden by your rights, where we are required to comply with a legal obligation, or where you have given consent. To exercise any of your rights, or for further information about how we process personal data, please contact us at info@prefcor.com. We will respond to valid requests within the time periods and in the manner required by applicable law.

    5. User Content & Submissions

    19. Content Ownership. As between you and the Company, you retain all ownership rights you hold in and to your User Content. Submitting, posting, or uploading User Content to the Platform now, or in the future, does not transfer ownership of that content to the Company, and the Company claims no ownership interest in your User Content, subject only to the license you grant under these Terms.

    20. Content License to Platform. By submitting User Content, you grant the Company the worldwide, perpetual, irrevocable, non-exclusive, royalty-free, transferable, and sublicensable license described in Section 2.3 to host, store, reproduce, modify, adapt, publish, distribute, publicly perform, publicly display, and otherwise use such User Content in connection with operating, providing, and promoting the Platform and the Company’s services. You also waive, to the extent permitted by law, any moral rights or rights of attribution you may have in your User Content as against the Company and its sub-licensees.

    21. Content Removal. The Company reserves the right, but assumes no obligation, to monitor, review, screen, edit, refuse, or remove any User Content, in whole or in part, at any time and for any reason or no reason, in its sole discretion and without prior notice or liability, including User Content that we believe violates these Terms, infringes the rights of any party, or is otherwise objectionable or harmful. The Company is not responsible for any failure or delay in removing such content.

    22. Responsibility for Content. You are solely responsible for your User Content and for the consequences of submitting it. You represent and warrant that you own or have all rights, licenses, consents, and permissions necessary to submit your User Content and to grant the license set forth above, and that your User Content does not and will not infringe or misappropriate the intellectual property, privacy, publicity, or other rights of any third party, violate any applicable law, or contain any defamatory, unlawful, or harmful material. The Company assumes no responsibility or liability for any User Content submitted by you or any third party.

    6. Third-Party Services & Links

    23. Third-Party Integrations. The Platform may now, or in the future, contain links to, or incorporate tools, widgets, or content provided by, third parties that are not owned or controlled by the Company. Such links and integrations are provided solely for your convenience and information and do not signify that the Company has reviewed or approved the linked or integrated resource.

    24. No Endorsement. The inclusion of any third-party link, tool, widget, or content on the Platform does not constitute or imply any endorsement, approval, sponsorship, affiliation, or recommendation by the Company. We do not control, monitor, or assume responsibility for the content, accuracy, products, services, privacy practices, or other policies of any third party, and we make no representations or warranties with respect to them.

    25. Third-Party Terms Govern. Your access to and use of any third-party website, service, tool, or integration is governed by the terms, conditions, and policies of the applicable third party, and not by these Terms. You are solely responsible for reviewing and complying with those third-party terms. The Company shall have no liability arising out of or relating to your access to or use of any third-party website, service, or integration, and any dealings you have with third parties are solely between you and such third parties.

    7. Disclaimers & Warranties

    26. As-Is Disclaimer. THE PLATFORM AND ALL CONTENT, MATERIALS, AND SERVICES MADE AVAILABLE THROUGH IT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY, ON ITS OWN BEHALF AND ON BEHALF OF ITS LICENSORS AND SERVICE PROVIDERS, EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE. THE COMPANY DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY DEFECTS WILL BE CORRECTED.

    27. Accuracy of Information. The Company does not warrant or represent that any content or information made available on or through the Platform is accurate, complete, reliable, current, or free of errors or omissions. Such content is provided for general informational purposes only and may be changed or updated at any time without notice. Any reliance you place on such content is strictly at your own risk, and you should independently verify any information before relying on it as the basis for any decision.

    28. No Professional Advice. The content available on or through the Platform is provided for general informational purposes only and does not constitute, and shall not be construed as, legal, medical, clinical, financial, accounting, or other professional advice. The Company does not provide any form of clinical, medical, financial, or legal advisory services to its clients or users. No professional relationship or duty of care is created by your use of the Platform or by your submission of an inquiry. You should consult an appropriately qualified and licensed professional regarding your particular circumstances before taking or refraining from taking any action.

    8. Limitation of Liability

    29. Cap on Liability. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF THE COMPANY AND ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AND AGENTS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR ACCESS TO OR USE OF THE PLATFORM, REGARDLESS OF THE FORM OR THEORY OF THE CLAIM AND REGARDLESS OF THE NUMBER OF CLAIMS, SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $50) IN THE AGGREGATE. YOU ACKNOWLEDGE AND AGREE THAT THE PLATFORM IS PROVIDED WITHOUT CHARGE, THAT YOU PAY NO FEES TO THE COMPANY FOR ACCESS TO OR USE OF THE PLATFORM, AND THAT THIS LIMITATION REFLECTS A REASONABLE ALLOCATION OF RISK AND FORMS AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND THE COMPANY. THE FOREGOING LIMITATION APPLIES IN THE AGGREGATE AND NOT PER INCIDENT.

    30. Exclusion of Consequential Damages. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY OR ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE PLATFORM, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW CERTAIN OF THESE EXCLUSIONS AND IN SUCH JURISDICTIONS THE COMPANY’S LIABILITY SHALL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

    31. User Indemnification. You agree to indemnify, defend, and hold harmless the Company and its members, managers, officers, employees, agents, successors, and assigns (collectively, the “Indemnified Parties”) from and against any and all claims, demands, actions, liabilities, damages, losses, judgments, settlements, costs, and expenses (including reasonable attorneys’ fees and disbursements) arising out of or relating to: (i) your access to or use of the Platform; (ii) your User Content; (iii) your breach or alleged breach of these Terms; (iv) your violation of any applicable law or regulation; or (v) your infringement or violation of the rights of any third party. The Company reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you shall cooperate with the Company in asserting any available defenses.

    32. Third-Party Claims. The Company shall not be liable for any acts, omissions, conduct, content, products, or services of any third party, including any third party whose website, service, tool, or content may be linked to or integrated with the Platform. Any claim or dispute you may have arising out of or relating to the acts or omissions of a third party is solely between you and that third party, and you release the Indemnified Parties from any liability in connection therewith.

    9. Dispute Resolution

    33. Governing Law. These Terms, and any dispute, claim, or controversy of any kind arising out of or relating to these Terms, the Platform, or your access to or use of the Platform, shall be governed by and construed in accordance with the laws of the State of New Jersey, without giving effect to any choice-of-law or conflict-of-laws rule or principle that would cause the application of the laws of any other jurisdiction.

    34. Mandatory Arbitration. Except as otherwise expressly provided in these Terms, any dispute, claim, or controversy arising out of or relating to these Terms or the Platform that is not resolved through informal resolution shall be resolved exclusively by final and binding arbitration, rather than in court, administered in the State of New Jersey in accordance with the applicable rules of the American Arbitration Association then in effect. The arbitration shall be conducted by a single arbitrator, the arbitrator’s award shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction. YOU UNDERSTAND THAT, BY AGREEING TO ARBITRATION, YOU AND THE COMPANY ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PROCEED IN COURT, EXCEPT AS EXPRESSLY PROVIDED HEREIN.

    35. Class Action Waiver. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN THE CLAIMS OF MORE THAN ONE PERSON OR ENTITY AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. IF THIS CLASS ACTION WAIVER IS FOUND TO BE UNENFORCEABLE AS TO A PARTICULAR CLAIM, THAT CLAIM SHALL BE SEVERED AND ADJUDICATED IN A COURT OF COMPETENT JURISDICTION, WHILE ALL OTHER CLAIMS SHALL PROCEED IN ARBITRATION.

    36. Informal Resolution First. Before initiating any arbitration or, where permitted, court proceeding, the parties agree to first attempt in good faith to resolve any dispute informally. The party raising the dispute shall provide written notice describing the nature and basis of the claim and the relief sought to the other party, and the parties shall then negotiate in good faith for a period of at least thirty (30) days from the date such notice is received. Written notice to the Company shall be sent to info@prefcor.com. This informal-resolution requirement is a condition precedent to commencing arbitration.

    37. Small Claims Court Exception. Notwithstanding the agreement to arbitrate, either party may bring an individual action in a small claims court of competent jurisdiction, in lieu of arbitration, so long as the action remains in that court, is brought only on an individual (non-class, non-representative) basis, and seeks relief within that court’s jurisdictional limits.

    38. Venue and Jurisdiction. For any dispute that is not subject to arbitration or that is not brought in small claims court, and for any action to compel arbitration or enforce an arbitration award, you irrevocably consent and submit to the exclusive jurisdiction and venue of the state and federal courts located in the State of New Jersey, and you waive any objection to such courts on the grounds of personal jurisdiction, venue, or inconvenient forum.

    10. Accessibility & Compliance

    39. ADA / WCAG Compliance. The Company is committed to making the Platform accessible to the widest possible audience, including individuals with disabilities, and to providing a positive experience for all users. We strive to conform, on a reasonable-efforts basis, to recognized accessibility standards, including the Web Content Accessibility Guidelines (WCAG) published by the World Wide Web Consortium and the accessibility principles reflected in the Americans with Disabilities Act (ADA) and applicable state law. Accessibility is an ongoing effort, and we continue to review and improve the Platform. If you encounter any difficulty accessing, navigating, or using any portion of the Platform, or if you require any content in an alternative format or any accommodation, please contact us at info@prefcor.com or 201.772.1502. We will make reasonable efforts to address your concern and to provide the information, communication, or assistance you need through an accessible means.

    11. General Terms

    40. Entire Agreement. These Terms, together with the Privacy Policy, the Cookie Policy, and any other policies or terms expressly incorporated herein by reference, constitute the entire agreement between you and the Company regarding your access to and use of the Platform, and supersede and replace all prior or contemporaneous understandings, agreements, representations, warranties, and communications, whether written or oral, regarding the same subject matter.

    41. Severability. If any provision of these Terms is held by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, that provision shall be deemed modified to the minimum extent necessary to render it valid and enforceable, and if it cannot be so modified, it shall be severed from these Terms. In either case, the remaining provisions shall continue in full force and effect, and the validity and enforceability of the remaining provisions shall not be affected.

    42. Waiver. No waiver by the Company of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and the Company’s failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of the Company to be effective.

    43. Assignment. The Company may freely assign, transfer, or delegate these Terms and any of its rights and obligations hereunder, in whole or in part, at any time, with or without notice to you, including in connection with a merger, acquisition, reorganization, or sale of all or substantially all of its assets. You may not assign, transfer, or delegate these Terms or any of your rights or obligations hereunder, in whole or in part, without the Company’s prior written consent, and any attempted assignment in violation of this Section shall be null and void. Subject to the foregoing, these Terms shall bind and inure to the benefit of the parties and their permitted successors and assigns.

    44. Notices. We may provide any notice to you under these Terms by posting it on the Platform or by sending it to any email address or other contact information you have provided to us, and any such notice shall be deemed given and effective when posted or sent. You agree to receive communications from us electronically, and you agree that such electronic communications satisfy any legal requirement that a communication be in writing. Any notice to the Company must be in writing and sent to info@prefcor.com or to the contact address set forth below, and shall be deemed effective upon receipt.

    45. Contact Information. If you have any questions, concerns, or requests regarding these Terms, please contact us at:

    Prefcor Consulting LLC
    Telephone: 201.772.1502
    Email: info(at)prefcor(dotted)com
    Website: www.prefcor.com
    Last updated: June 15, 2026

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