Terms & Conditions

Agreement to Terms

By accessing or using the website of TOM KOPSCH & ASSOC INC ("Company," "we," "our," or "us") at thetomkopschassoc.com (the "Site"), you agree to be bound by these Terms & Conditions. If you do not agree to these terms, please do not use the Site.

Use of the Website

You agree to use this Site only for lawful purposes and in a manner that does not infringe upon the rights of others or restrict their use of the Site. You may not:

• Use the Site in any way that violates applicable local, state, or federal law.
• Attempt to gain unauthorized access to any portion of the Site or its related systems.
• Use the Site to transmit malicious code, spam, or unsolicited communications.
• Reproduce, modify, or distribute any content from the Site without prior written consent.

Services Description

TOM KOPSCH & ASSOC INC provides financial services including equipment financing, working capital solutions, and commercial real estate lending. Information presented on this Site is for general informational purposes only and does not constitute a binding offer, commitment to lend, or financial advice. All financing is subject to credit approval and underwriting standards.

No Guarantee of Approval

Submitting an inquiry or application through our website does not guarantee approval for any financial product or service. All financing decisions are made at the sole discretion of TOM KOPSCH & ASSOC INC based on our underwriting criteria.

SMS/Text Messaging Terms

If you opt in to receive SMS/MMS text messages from TOM KOPSCH & ASSOC INC through our contact form, the following terms apply:

• By checking the SMS consent box, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from us, sent using an automated telephone dialing system (ATDS).
• Message frequency varies; you may receive up to 4 messages per month.
• Message and data rates may apply. Contact your wireless carrier for details about your messaging plan.
• You may opt out at any time by replying STOP to any message you receive from us. Upon opting out, you will receive a confirmation message and will no longer receive text messages unless you re-subscribe.
• For help or assistance, reply HELP to any message or contact us at tom@thetomkopschassoc.com.
• Consent to receive SMS messages is NOT a condition of purchase or obtaining any services from TOM KOPSCH & ASSOC INC.

Intellectual Property

All content on this Site, including text, graphics, logos, images, and software, is the property of TOM KOPSCH & ASSOC INC or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content without our express written permission.

Third-Party Links

Our Site may contain links to third-party websites. We do not control or endorse these websites and are not responsible for their content, privacy policies, or practices. Accessing third-party sites is at your own risk.

Disclaimer of Warranties

This Site and its content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

Limitation of Liability

To the fullest extent permitted by law, TOM KOPSCH & ASSOC INC shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Site or our services.

Indemnification

You agree to indemnify and hold harmless TOM KOPSCH & ASSOC INC, its officers, directors, employees, and agents from any claims, damages, liabilities, and expenses arising from your use of the Site or violation of these Terms.

Governing Law

These Terms & Conditions are governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law provisions. Any disputes arising from these terms shall be resolved in the courts of Oakland County, Michigan.

Changes to These Terms

We reserve the right to modify these Terms & Conditions at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Site after changes constitutes acceptance of the revised terms.

Contact Us

If you have questions about these Terms & Conditions, please contact us:

TOM KOPSCH & ASSOC INC
32268 Woodward
Royal Oak, MI 48073
Email: tom@thetomkopschassoc.com