Terms and Conditions

Effective Date: [Insert Date]

Welcome to www.jruniversalinvestments.com, operated by J & R UNIVERSAL INVESTMENTS LLC ("Company", "we", "our", or "us"). By accessing our website or using our services, including our SMS alerts program, you agree to be bound by the following Terms and Conditions.

1. Use of the Website

You agree to use this website only for lawful purposes and in accordance with these Terms. You must not use this site in any way that could damage it or impair access to it.

2. SMS Terms of Service

By opting into SMS alerts from J & R UNIVERSAL INVESTMENTS LLC, you agree to receive recurring text messages related to updates, promotions, and investment opportunities.

• Opt-Out: Text “STOP” at any time to unsubscribe. We will confirm your opt-out via SMS.
• Help: Text “HELP” or contact us at +1 (866) 574-6546 for assistance.
• Rejoin: You may rejoin at any time by resubscribing through our website or SMS keyword.
• Message Frequency: Varies based on user interaction.
• Message and Data Rates: Standard carrier rates may apply.
• Carrier Liability: Carriers are not liable for delayed or undelivered messages.

3. Privacy

Your privacy is important to us. Please review our Privacy Policy for information on how we collect, use, and protect your data.

4. Intellectual Property

All content on this site, including text, graphics, logos, and images, is the property of J & R UNIVERSAL INVESTMENTS LLC and is protected by copyright laws. You may not use or reproduce this content without express permission.

5. Disclaimer of Warranties

Our services and website are provided “as is” and “as available” without warranties of any kind. We do not guarantee that the website will be error-free or uninterrupted.

6. Limitation of Liability

Under no circumstances shall J & R UNIVERSAL INVESTMENTS LLC be liable for any indirect, incidental, or consequential damages arising out of the use of this site or our services.

7. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of [Insert State], without regard to conflict of law principles.

8. Changes to Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with the updated effective date.

9. Contact Us

If you have any questions or concerns about these Terms, please contact us:

• 📞 +1 (866) 574-6546
• 🌐 www.jruniversalinvestments.com