Terms of Service
Effective Date: 11/22/2025.
Please read these terms and conditions carefully before using Our Service.
These Terms of Service ("Terms") govern your access to and use of the services and website (the "Website") provided by Peggy Pedroza ("we," "us," or "our"). By accessing or using the Website www.peggypedroza.com, SMS program, or any interactions with our platform, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, please do not use our Website or services.
Interpretation and Definitions
Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
Definitions
For the purposes of these Terms and Conditions:
Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
Account means a unique account created for You to access our Service or parts of our Service.
Country refers to: Louisiana, United States
Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Pedroza Ministries L3C, P.O. Box 192 Sibley LA 71073.
Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
Goods refer to the items offered for sale on the Service.
Orders mean a request by You to purchase Goods from Us.
Service refers to the Website.
Subscriptions refer to the services or access to the Service offered on a subscription basis by the Company to You.
Terms and Conditions (also referred as "Terms") mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.
Third-party Social Media Service means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service.
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.
1. Acceptance of Terms
These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.
Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.
By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You may not access the Service.
Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service.
2. User Eligibility
To use our Website or services, you must be at least 18 years old or have the legal capacity to enter into a binding contract. If you are under 18, you may not use our services without the consent of a parent or guardian. Use by children under 13 is prohibited.
3. Services Provided
We provide financial services. By accessing the Website, you agree to use these services in accordance with the Terms and applicable guidelines.
Our SMS program, delivers:
- Confirmations and reminders for financial services.
- Updates about services or opportunities.
- Occasional promotional offers, only with your consent.
4. Account Registration
When You create an account with Us, You must provide Us information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of Your account on Our Service.
You are responsible for safeguarding the password that You use to access the Service and for any activities or actions under Your password, whether Your password is with Our Service or a Third-Party Social Media Service.
You agree not to disclose Your password to any third party. You must notify Us immediately upon becoming aware of any breach of security or unauthorized use of Your account.
You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than You without appropriate authorization, or a name that is otherwise offensive, vulgar or obscene.
5. User Obligations and Restrictions
When using the Website and services, you agree to:
- Use the Website and services for lawful purposes only.
- Not engage in activities that may harm, disrupt, or interfere with the Website, our services, or other users (e.g., phishing, smishing).
- Not violate any applicable laws, regulations, or third-party rights.
- Not use any automated means to access the Website or services without prior permission (e.g., bots, scrapers).
Violations may result in suspension and reporting to authorities.
6. Payment and Billing
If you make a purchase or subscribe to paid services, you agree to provide accurate and complete billing information. All payments will be processed securely via our chosen payment processors, which may include Stripe, PayPal, and/or other trusted providers, according to the pricing and payment terms displayed on the Website. You authorize us to charge your selected payment method for the services you choose. Standard message and data rates may also apply per your carrier plan for SMS usage, and we are not responsible for carrier fees.
Order Cancellation
We reserve the right to refuse or cancel Your Order at any time for certain reasons including but not limited to:
· Goods availability
· Errors in the description or prices for Goods
· Errors in Your Order
We reserve the right to refuse or cancel Your Order if fraud or an unauthorized or illegal transaction is suspected.
Your Order Cancellation Rights
Any Goods you purchase can only be returned in accordance with these Terms and Conditions and Our Returns Policy.
Our Returns Policy forms a part of these Terms and Conditions. Please read our Returns Policy to learn more about your right to cancel Your Order.
Your right to cancel an Order only applies to Goods that are returned in the same condition as You received them. You should also include all of the product's instructions, documents and wrappings. Goods that are damaged or not in the same condition as You received them or which are worn simply beyond opening the original packaging will not be refunded. You should therefore take reasonable care of the purchased Goods while they are in Your possession.
We will reimburse You no later than 14 days from the day on which We receive the returned Goods. We will use the same means of payment as You used for the Order, and You will not incur any fees for such reimbursement.
You will not have any right to cancel an Order for the supply of any of the following Goods:
· The supply of Goods made to Your specifications or clearly personalized.
· The supply of Goods which according to their nature are not suitable to be returned, deteriorate rapidly or where the date of expiry is over.
· The supply of Goods which are not suitable for return due to health protection or hygiene reasons and were unsealed after delivery.
· The supply of Goods which are, after delivery, according to their nature, inseparably mixed with other items.
· The supply of digital content which is not supplied on a tangible medium if the performance has begun with Your prior express consent
and You have acknowledged Your loss of cancellation right.
Availability, Errors and Inaccuracies
We are constantly updating Our offerings of Goods on the Service. The Goods available on Our Service may be mispriced, described inaccurately, or unavailable, and We may experience delays in updating information regarding our Goods on the Service and in Our advertising on other websites.
We cannot and do not guarantee the accuracy or completeness of any information, including prices, product images, specifications, availability, and services. We reserve the right to change or update information and to correct errors, inaccuracies, or omissions at any time without prior notice.
Prices Policy
The Company reserves the right to revise its prices at any time prior to accepting an Order.
The prices quoted may be revised by the Company subsequent to accepting an Order in the event of any occurrence affecting delivery caused by government action, variation in customs duties, increased shipping charges, higher foreign exchange costs and any other matter beyond the control of the Company. In that event, You will have the right to cancel Your Order.
Payments
All Goods purchased are subject to a one-time payment. Payment can be made through various payment methods we have available, such as Visa, MasterCard, Affinity Card, American Express cards or online payment methods (PayPal, for example).
Payment cards (credit cards or debit cards) are subject to validation checks and authorization by Your card issuer. If we do not receive the required authorization, We will not be liable for any delay or non-delivery of Your Order.
7. Content Ownership & User-Generated Content
The content on the Website, including text, images, logos, videos, and other materials, is the property of Peggy Pedroza or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or use any of this content without our prior written consent. If you submit content to the Website or services (e.g., comments, reviews, or other materials), you grant us a non-exclusive, worldwide, royalty-free, perpetual license to use, reproduce, modify, and display such content in connection with our operations. You are solely responsible for ensuring your content is lawful, non-infringing, and appropriate. We reserve the right to remove or edit user content at our discretion without notice.
The Service and its original content (excluding Content provided by You or other users), features and functionality are and will remain the exclusive property of the Company and its licensors.
The Service is protected by copyright, trademark, and other laws of both the Country and foreign countries.
Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of the Company.
8. Subscriptions
Subscription period
The Service or some parts of the Service are available only with a paid Subscription. You will be billed in advance on a recurring and periodic basis (such as daily, weekly, monthly or annually), depending on the type of Subscription plan you select when purchasing the Subscription.
At the end of each period, Your Subscription will automatically renew under the exact same conditions unless You cancel it or the Company cancels it.
Subscription cancellations
You may cancel Your Subscription renewal either through Your Account settings page or by contacting the Company. You will not receive a refund for the fees You already paid for Your current Subscription period and You will be able to access the Service until the end of Your current Subscription period.
Billing
You shall provide the Company with accurate and complete billing information including full name, address, state, zip code, telephone number, and a valid payment method information.
Should automatic billing fail to occur for any reason, the Company will issue an electronic invoice indicating that you must proceed manually, within a certain deadline date, with the full payment corresponding to the billing period as indicated on the invoice.
Fee Changes
The Company, in its sole discretion and at any time, may modify the Subscription fees. Any Subscription fee change will become effective at the end of the then-current Subscription period.
The Company will provide You with reasonable prior notice of any change in Subscription fees to give You an opportunity to terminate Your Subscription before such change becomes effective.
Your continued use of the Service after the Subscription fee change comes into effect constitutes Your agreement to pay the modified
Subscription fee amount.
Refunds
Except when required by law, paid Subscription fees are non-refundable.
Certain refund requests for Subscriptions may be considered by the Company on a case-by-case basis and granted at the sole discretion of the Company.
10. Third-Party Links
Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company.
The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.
We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.
11. Privacy Policy
Your use of our Website and services is governed by our Privacy Policy, which explains how we collect, use, and protect your personal information.
12. Termination
We may terminate or suspend Your Account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions.
Upon termination, Your right to use the Service will cease immediately. If You wish to terminate Your Account, You may simply discontinue using the Service.
13. Limitation of Liability
Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of this Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You haven't purchased anything through the Service.
To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.
Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party's liability will be limited to the greatest extent permitted by law.
14. Indemnification
You agree to indemnify, defend, and hold harmless Peggy Pedroza its employees, affiliates, and partners from any claims, damages, liabilities, and expenses arising from your use of the Website or services or your violation of these Terms.
15. Governing Law & Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of Sibley,LA. Any legal actions or proceedings arising under these Terms shall be brought exclusively in the courts of Sibley,LA. Any disputes arising from these Terms or your use of the Website or services will be resolved through good-faith negotiation first. If unresolved after 30 days, disputes shall be submitted to binding arbitration under the rules of a recognized arbitration body, unless applicable law requires otherwise. Arbitration will occur in a mutually agreed location or our primary operating region. You waive the right to participate in class actions unless prohibited by law.
16. AI and Automated Workflows
We may employ artificial intelligence, machine learning, or automated workflows to support or enhance the Website and services, such as improving functionality, personalizing experiences, or processing data efficiently. These technologies are used to assist in delivering our offerings and do not independently make decisions that produce legal or significant effects on you without human oversight. If such technologies are applied in ways that materially impact you, we will provide notice and, where required by law, an opportunity to request human review or opt out of such processes. You acknowledge that these tools may rely on data you provide, and we are not liable for errors or outcomes resulting from incomplete or inaccurate input.
17. Changes to Terms
We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material We will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.
By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service.
18. Additional SMS Program Details
Opt-In Process: To receive SMS messages, you must provide prior express written consent via our website (e.g., checking an opt-in box). Consent is not a condition of using our core services.
- Opt-Out Instructions: Text "STOP" to any message to opt out immediately. You’ll receive a confirmation and no further messages unless you rejoin. For emails, click "unsubscribe" in any marketing email.Rejoining Instructions: Text "START" to rejoin the SMS program after opting out. You’ll resume receiving messages per your original consent.Message Frequency and Costs: Frequency varies depending on service needs or opportunities. Standard message and data rates may apply per your carrier plan.
19. "AS IS" and "AS AVAILABLE" Disclaimer
The Service is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.
Without limiting the foregoing, neither the Company nor any of the company's provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.
Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.
20. Governing Law
The laws of the Country, excluding its conflicts of law rules, shall govern this Terms and Your use of the Service. Your use of the Application may also be subject to other local, state, national, or international laws.
21. Disputes Resolution
If You have any concern or dispute about the Service, You agree to first try to resolve the dispute informally by contacting the Company.
22. For European Union (EU) Users
If You are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which You are resident.
23. United States Federal Government End Use Provisions
If You are a U.S. federal government end user, our Service is a "Commercial Item" as that term is defined at 48 C.F.R. §2.101.
24. United States Legal Compliance
You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.
25. Severability and Waiver
Severability
If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.
Waiver
Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.
26. Translation Interpretation
These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.
27. Contact Us
If you have any questions or concerns about these Terms of Service, please contact us: