TERMS AND CONDITIONS OF USE

Last Updated: January 8, 2025

These Terms and Conditions of Use ("Terms") are entered into by and between You and Parker Public Adjusting LLC ("Company," "we" or "us").

AGREEMENT TO TERMS

These Terms, together with our Privacy Policy, Disclaimer, and any other documents expressly incorporated by reference, govern your use of the website www.ppaclaim.com ("Website"), including all materials, resources, information, and services on the Website, whether as a guest or registered user.

Your access to and use of the Website is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users, customers, and others who access or use the Website.

By accessing or using the Website you agree to be bound by these Terms, without modification, and acknowledge reading them. If you disagree with any part of the Terms, you may not access the Website.

PRIVACY POLICY

Your use of the Website is also subject to the Company's Privacy Policy. Please review our Privacy Policy, which informs users of our data collection practices. Your agreement to the Privacy Policy is incorporated into these Terms.

DISCLAIMER

Your use of the Website is also subject to the Company's Disclaimer. Please review our Disclaimer, which governs the Website and informs users of various limitations regarding the information provided on the Website. Your agreement to the Disclaimer is incorporated into these Terms.

USE OF THE WEBSITE

To access or use the Website, you must be 18 years of age or older and have the requisite power and authority to enter into these Terms. Children under the age of 18 are prohibited from using the Website.

Information provided on the Website and any resources provided on or available for download from the Website are subject to change. The Company makes no representation or warranty that the information provided, regardless of its source, is accurate, complete, reliable, current, or error-free. The Company disclaims all liability for any inaccuracy, error, or incompleteness in the information provided.

The Company reserves the right to withdraw or amend this Website and any service or material provided on the Website in its sole discretion without notice. The Company will not be liable if, for any reason, all or any part of the Website is unavailable at any time or for any period.

LAWFUL PURPOSES

You may use the Website for lawful purposes only. You agree to be financially responsible for all purchases made by you or someone acting on your behalf through the Website. You agree to use the Website and to purchase services or products through the Website for legitimate purposes only.

You shall not post or transmit through the Website any material that:

• Violates or infringes the rights of others

• Is threatening, abusive, defamatory, or libelous

• Is invasive of privacy or publicity rights

• Is vulgar, obscene, or profane

• Contains injurious formulas, recipes, or instructions

• Encourages conduct that would constitute a criminal offense

• Gives rise to civil liability

• Otherwise violates any law

ARTIFICIAL INTELLIGENCE AND DATA PROTECTION

The content, materials, and information provided on this Website, including but not limited to text, images, articles, and educational resources, may not be used, scraped, collected, or harvested for:

• Training artificial intelligence systems

• Developing or improving machine learning models

• Creating AI datasets

• Automated data collection systems

• Any similar technologies or applications

This prohibition applies to all content, whether publicly accessible or accessed through secured means. Any use of Website content for AI training or development purposes requires express written permission from Parker Public Adjusting LLC. Unauthorized use constitutes a violation of these Terms and may result in legal action.

ACCOUNT CREATION AND SECURITY

To use certain features of the Website, you may be required to provide information about yourself including your name, email address, username and password, and other personal information. You agree that any registration information you provide will always be accurate, correct, and current.

You are responsible for maintaining the confidentiality of your account information and password. You are responsible for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

INTELLECTUAL PROPERTY RIGHTS

The Website and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

These Terms permit you to use the Website for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website.

USE OF FREE DOWNLOADABLE CONTENT

The Company provides certain content free of charge, sometimes in exchange for an email address. You are granted a limited, personal, non-exclusive, non-transferable license to use this content for personal or internal business use only.

You may not modify, republish, sell, or exploit any free downloadable content without express written permission from the Company.

CHANGES TO TERMS

We may revise these Terms at any time by updating this posting. Your continued use of the Website after any changes constitute your acceptance of the new Terms.

GOVERNING LAW

These Terms shall be governed by and construed in accordance with the laws of the State of Minnesota. Any disputes shall be subject to the exclusive jurisdiction of the courts of Minnesota.

LIMITATION OF LIABILITY

The Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Website.

INDEMNIFICATION

You agree to indemnify and hold the Company harmless from any claims, losses, damages, liabilities, costs, and expenses arising from your violation of these Terms.

CONTACT INFORMATION

Parker Public Adjusting LLC 1405 N Lilac Drive, Ste. 240 Golden Valley, MN 55422 Phone: (952) 900-6699 Email: claim@ppaclaim.com

SEVERABILITY

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

By using this Website, you accept these Terms in full. If you disagree with any part of these Terms, you must not use this Website.