Last Updated: February 10th, 2025

1. 1. Welcome to Payne Consultations

(“Company,” “we,” “our,” or “us”). By accessing or using our website, services, or products, you agree to comply with these Terms and Conditions. If you do not agree, please do not use our website.

2. Use of Website

You must be at least 18 years old to use our services. You agree to use this website only for lawful purposes.We reserve the right to modify, suspend, or discontinue any part of the site at any time.

3. Services & Payments

All purchases and services are subject to availability.Payments must be made in full before services are rendered, unless otherwise agreed upon.Refunds, if applicable, are issued based on our refund policy.

4. Intellectual Property

All content, including text, graphics, logos, and materials, is owned by Summit Dynamic and may not be copied or used without permission.

5. Limitation of Liability

We are not liable for any direct, indirect, incidental, or consequential damages resulting from your use of our website or services.

6. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their content or policies.

7. Privacy Policy

Your use of our website is also governed by ourPrivacy Policy, which explains how we collect and use your data.

8. Changes to These Terms

We reserve the right to update these Terms and Conditions at any time. Continued use of our website means you accept the updated terms.

9. Contact Information

For any questions about these Terms, please contact us at [email protected]

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