Terms and Conditions
Terms and Conditions
Last Updated: 18 March 2025
These Terms and Conditions ("T&C") govern your use of Pacific Federal Management, Inc. (PFM) ("Website", "we", "us", or "our"). By accessing or using this Website, you agree to comply with and be bound by these T&C. If you do not agree to these terms, please do not use our Website.
1. Legal Disclaimer
The information provided on this Website is for general informational purposes only. The content, including text, graphics, and other materials, is not intended to serve as legal advice. You should not rely on this Website as a substitute for professional legal advice. We strongly recommend that you consult with a legal professional to assist you in creating your own Terms and Conditions and to ensure compliance with relevant laws and regulations.
2. General Terms
These T&C set forth the legal relationship between you, the user, and us, the owner of this Website. By using or accessing this Website, you agree to comply with all applicable laws, rules, and regulations. We reserve the right to change, modify, or update these T&C at any time without prior notice, and such changes will be effective immediately upon posting.
3. Eligibility
By using this Website, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these T&C. If you are accessing the Website on behalf of an organization, you represent and warrant that you are authorized to bind the organization to these T&C.
4. Website Use
You agree to use the Website in accordance with these T&C and not for any unlawful or prohibited purpose. You may not engage in activities that could harm or disrupt the Website or its services, including, but not limited to, hacking, distributing malicious code, or violating any applicable laws.
5. Payment and Transactions
The website does not accept any payment and transactions. Please do not provide that information anywhere here on this website.
6. Changes to Services
We reserve the right to modify, suspend, or discontinue any aspect of the Website or services at any time without prior notice. We are not liable for any modifications, interruptions, or discontinuations of services.
7. Warranties and Disclaimers
The Website is provided "as is" without warranties of any kind, either express or implied, including but not limited to the implied warranties of merchantability or fitness for a particular purpose. We do not guarantee the accuracy, reliability, or completeness of the content on the Website, and we disclaim all responsibility for errors or omissions.
8. Intellectual Property
All content on this Website, including text, images, logos, graphics, and other materials, is the property of Pacific Federal Management, Inc. (PFM) or pfmguam.com or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, distribute, or modify any content without prior written permission from us.
9. Limitation of Liability
In no event shall Pacific Federal Management, Inc. (PFM) or pfmguam.com be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of the Website, whether based on contract, tort, or any other legal theory.
10. Governing Law
These T&C shall be governed by and construed in accordance with the laws of Guam, without regard to its conflict of law principles. Any disputes arising from or related to these T&C shall be subject to the exclusive jurisdiction of the courts in Guam.
11. Changes to Terms
We may update or revise these T&C from time to time. The updated T&C will be posted on this page, and the effective date will be revised accordingly. By continuing to use the Website after such changes, you agree to be bound by the updated T&C.
12. Contact Information
If you have any questions about these Terms and Conditions, please contact us at:
info@pfmguam.com or by mail at 202 Hilton Rd, Unit #7, Tumon, GU 96913.