The PanZumo.com website is glad to have you. Conditions for access to and use of PanZumo.com sites include:

This agreement applies to both this website and PanZumo.com. As well, the owner of PanZumo.com owns several other domain names that point to this site, and, we may from time to time add new sites (together, “we”, “us” or “our website”) that are not currently listed in these Terms of Use.

At any time, PanZumo.com may update this website with changes to these Terms of Use in its sole discretion. By visiting this page periodically, you agree to be bound by any such modification or revision.

1. NO FINANCIAL ADVICE; RISK

Tax, legal, or investment advice is not provided by us. PanZumo.com does not guarantee the safety or legality of the information provided or the products or services provided. Whenever you purchase a product or service, you should proceed with the same caution you would normally exercise. Neither the list above nor a substitute for independent legal or financial advice are intended as comprehensive lists of risks. You should always seek out and understand advice from qualified advisors before enrolling.

PanZumo.com’s website and/or any advice or comments made by our agents or employees are intended only to assist clients, applicants, and visitors. It should not be construed as professional counseling or advice from licensed or certified professionals.

2. SERVICES

PanZumo.com offers a matching service that lets you input your information once and get quotes/calls from multiple people/organizations, providing a convenient, fast way to evaluate your options and make informed decisions in relation to the service being advertised. Our matching service does not offer or provide counseling or financial services, and there is no charge to consumers for using it. We are not responsible for the quality of any services you select or use, and you waive any claim against us regarding the quality of services we match you with.

If you use our service and provide personal contact information, you agree to have one or more of the companies you are matched with contact you by email, telephone, or mail. We may make any telephone call including without limitation any prerecorded telephone call to any number you provide without prior notice to you, which may result in charges to you from independent providers of the services you receive, regardless of whether your information appears on any federal or state No Call Registry. Other service providers may also contact you independently based on your information.

We connect consumers with a variety of service providers. Potential results associated with certain services may not be applicable to others.

A relationship arising out of information received or accessed through this website or PanZumo.com may be financial or otherwise. Your agreements are not governed by PanZumo.com, and your actions are solely responsible. Our company is not responsible for any transactions made between you, your company, or a PanZumo.com client.

Depending on your state, providers may be required to obtain licenses, bonds, registrations, or other prerequisites to do business legally in your state. If any requirements are not being met, please contact the appropriate agency. Each program’s fees and results vary, and some programs are not available in all states.

PanZumo.com does not endorse any particular provider or solution based on the fact that you are matched with a provider who offers you a specific solution. Prior to making any decision that could have significant legal or financial consequences for you, we strongly recommend that you consult with an attorney and/or a qualified financial advisor.

3. YOUR USE OF THE CONTENT ON PanZumo.com

Any other use of PanZumo.com Content is expressly prohibited by law, and may result in severe civil and criminal penalties. The maximum amount of prosecution will be sought against violators.

4. LINKS TO THIRD PARTY WEBSITES

It is possible to leave the PanZumo.com website through links on the PanZumo.com website. PanZumo.com has no control over the linked sites, and PanZumo.com is not responsible for the contents of any linked site or any link contained in a linked site, nor for any changes or updates to such sites. PanZumo.com provides these links for your convenience only, and the inclusion of any link does not imply endorsement by PanZumo.com of the site.

5. GOVERNING LAW

This Legal Statement shall be governed by the laws of the State of California.

6. INTERNATIONAL ACCESS

We provide our website from the United States and all servers that make it available are located in the U.S.A. Laws in other countries may differ regarding access and use of our website. It is your responsibility to ensure that the use of this website complies with all applicable laws outside of the United States of America and we make no representations as to its legality in any other country.