PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. THESE TERMS AND CONDITIONS MAY CHANGE FROM TIME TO TIME. BY USING THIS WEB SITE OR THE PAGASSIST PLATFORM, YOU INDICATE YOUR ACCEPTANCE OF THESE TERMS AND CONDITIONS. IF YOU DO NOT ACCEPT THESE TERMS AND CONDITIONS, DO NOT USE THIS WEB SITE OR PLATFORM.

[Profit Advisory Group / PAGassist entity name] ("PAGassist," "we," "us," or "our") maintains this web site and the PAGassist platform as a service to its customers, prospective customers, and other interested parties. Please review these terms before using the site or platform.

Copyright and Trademark Information

Copyright © 2026 PAGassist. All rights reserved.

This web site and platform, and the information they contain, are the property of PAGassist and its affiliates and licensors, and are protected from unauthorized copying and dissemination by United States copyright law, trademark law, applicable international conventions, and other intellectual property laws.

Use of This Web Site, Platform, and Content

The information contained on this web site and within the PAGassist platform is provided for general informational purposes selected by PAGassist. Such information is provided without knowledge of your specific industry, identity, or circumstances. The application of relevant laws will vary by jurisdiction, and there may be delays, omissions, or inaccuracies in the information provided. PAGassist and its contributors are not rendering legal, accounting, tax, or other professional advice through this web site or platform, and the content should not be relied upon as a substitute for consultation with qualified professional advisors.

PAGassist may alter, suspend, or discontinue this web site or platform at any time, for any reason, without notice or liability. The web site or platform may become unavailable due to maintenance, technical issues, or other causes.

By using this web site or platform, you agree to indemnify, hold harmless, and defend PAGassist from any claims, damages, losses, liabilities, and costs (including reasonable attorneys’ fees) arising from a third-party claim based on your use of the site or platform in violation of these terms.

No part of this web site or platform may be reproduced or transmitted in any form or by any means, electronic or mechanical, except that PAGassist authorizes you to view, copy, download, and print PAGassist materials made available on the site (such as white papers, summaries, and FAQs), subject to the following conditions:

• Materials may be used solely for noncommercial, informational purposes.
• Materials may not be modified.
• Copyright, trademark, and other proprietary notices may not be removed.

Nothing on this web site or platform grants, by implication or otherwise, any license or right to use PAGassist’s content except as expressly permitted in these terms or with PAGassist’s prior written permission.

Accuracy of Content and Modifications

The information on this web site and platform is believed to be reliable; however, it may contain technical inaccuracies or typographical errors. PAGassist reserves the right to update or change content, services, or specifications at any time without obligation to notify any person.

Availability of Services

References to PAGassist services on this web site do not imply that such services are available in every market or jurisdiction. Please consult your PAGassist representative to confirm availability for your organization.

No Warranties

INFORMATION AND MATERIALS PROVIDED ON THIS WEB SITE AND PLATFORM ARE PROVIDED "AS IS". PAGASSIST DOES NOT WARRANT THAT: (I) THE INFORMATION IS CORRECT, ACCURATE, OR COMPLETE; (II) THE SITE OR PLATFORM WILL BE UNINTERRUPTED OR ERROR-FREE; (III) DEFECTS WILL BE CORRECTED; OR (IV) THE SITE, PLATFORM, OR ITS SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

It is the user’s responsibility to confirm that any information downloaded from this web site or platform is free of viruses or other harmful components.

Limitation of Liability

UNDER NO CIRCUMSTANCES SHALL PAGASSIST BE LIABLE FOR ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR OTHER INDIRECT DAMAGES ARISING FROM THE USE OF, OR INABILITY TO USE, THIS WEB SITE OR PLATFORM, EVEN IF PAGASSIST HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL PAGASSIST’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION ARISING FROM YOUR USE OF THIS WEB SITE OR PLATFORM, WHETHER IN CONTRACT, TORT, OR OTHERWISE, EXCEED $1,000.00.

Links to Third-Party Web Sites

This web site may contain links to third-party web sites provided for convenience. PAGassist is not responsible for the content of any linked site, and a link does not imply endorsement of that site or its content.

No Implied Endorsements

Reference to any third party, or to any third-party product or service, does not constitute an endorsement by PAGassist of that third party or its offerings.

Jurisdictional Issues

PAGassist makes no representation that the information on this web site or platform is appropriate or available for use outside the United States. Users who access the site or platform from outside the United States do so on their own initiative and are responsible for compliance with applicable local laws.

Submissions to PAGassist

Any information — including remarks, suggestions, ideas, or other submissions — communicated to PAGassist through this web site becomes the property of PAGassist, which may use such submissions for any purpose without restriction or compensation, except as otherwise stated in PAGassist’s Privacy Policy. By submitting information, you represent that it is original and you accept responsibility for its accuracy and legality.

Governing Law and Dispute Resolution

These Terms and Conditions are governed by and interpreted in accordance with the laws of the State of North Carolina, United States of America, without regard to its conflict of laws principles.

Disputes will be resolved through binding arbitration administered by the American Arbitration Association, with venue in Matthews, North Carolina. Each party will bear its own costs unless otherwise determined by the arbitrator. PAGassist may seek injunctive or equitable relief from a court of competent jurisdiction notwithstanding any arbitration agreement.

If any part of these terms is found unlawful, void, or unenforceable, that part shall be severable and shall not affect the validity of the remaining provisions. PAGassist may revise these terms at any time, at its sole discretion, by posting an updated version.

Entire Agreement

This document constitutes the entire agreement between the parties relating to its subject matter and may not be modified except in writing signed by both parties or by a new posting by PAGassist as described above.

Questions

If you have questions about the rights and restrictions described above, please contact PAGassist at Kreda@profitadvisorygroup.com.