Effective Date: January 1, 2024

Welcome to Providence Financial Services (“we,” “our,” or “us”). By accessing or using our website, https://providencefinancial.net ("Site"), you agree to comply with and be bound by the following terms and conditions ("Terms of Service"). Please review these terms carefully. If you do not agree with these Terms, you should not use or access our Site.

1. Acceptance of Terms

By using our Site, you affirm that you are at least 18 years old and legally able to enter into this agreement. If you are using our Site on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Changes to Terms

We reserve the right to modify or update these Terms at any time, at our sole discretion. When we make changes, we will revise the "Effective Date" at the top of this page. Your continued use of the Site after any modifications to these Terms constitutes your acceptance of the updated terms.

3. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You are prohibited from:

• Engaging in any activity that may interfere with the proper operation of the Site.

• Using the Site to violate any applicable laws or regulations.

• Uploading or transmitting any material that contains viruses, malware, or harmful components.

• Attempting to gain unauthorized access to our servers or any other system associated with the Site.

4. Intellectual Property Rights

All content on the Site, including but not limited to text, graphics, logos, icons, images, and software, is the property of Providence Financial Services or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not use, copy, reproduce, distribute, or create derivative works from any content on the Site without our express written permission. Any unauthorized use of the content may violate intellectual property laws and could result in legal action.

5. Third-Party Links

The Site may contain links to third-party websites or services that are not owned or controlled by Providence Financial Services. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we are not responsible for any damage or loss caused by your use of such third-party resources.

6. Disclaimer of Warranties

The Site and all content, services, and materials are provided on an "as-is" and "as-available" basis. Providence Financial Services makes no warranties, express or implied, regarding the operation of the Site or the content and materials available on the Site.

We do not guarantee that the Site will be available at all times, or that the Site or any content will be free from errors, viruses, or harmful components. To the fullest extent permitted by law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

7. Limitation of Liability

In no event shall Providence Financial Services, its affiliates, partners, officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use or inability to use the Site or its content, even if we have been advised of the possibility of such damages.

Our total liability for any claim arising out of or relating to these Terms or your use of the Site shall not exceed the amount you have paid, if any, to access the Site.

8. Indemnification

You agree to indemnify, defend, and hold harmless Providence Financial Services and its affiliates, employees, agents, and representatives from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your violation of these Terms, your use of the Site, or any content you submit or post to the Site.

9. Termination

We reserve the right to terminate or suspend your access to the Site at our discretion, without notice, if we believe you have violated these Terms or engaged in unauthorized or harmful activity.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of the state of Arkansas, without regard to its conflict of law principles. Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the courts of Arkansas.

11. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision will be deemed severable from these Terms and will not affect the validity and enforceability of the remaining provisions.

12. Contact Us

If you have any questions about this Privacy Policy or how we handle your information, please contact us at info@providencefinancial.net.