These Terms of Use (“Terms”) govern your access to and use of the PFH website and portal. By using our site, you agree to these legally binding Terms. If you do not agree, do not use our services.

2.1 Eligibility

By using this site, you confirm you are at least 18 years old and legally able to enter into a binding agreement.

2.2 User Responsibilities

• Maintain the confidentiality of your account credentials.
• Provide accurate, complete information.
• Use the website for lawful purposes only.
• Do not attempt to disrupt, hack, or misuse the site or portal.

2.3 Intellectual Property

• All PFH content, including text, software, graphics, trademarks, and logos, is owned by or licensed to PFH.
• You may not reproduce, distribute, modify, or exploit any content without express written consent.

2.4 Prohibited Conduct

• Uploading or transmitting unlawful, defamatory, or harmful material.
• Reverse engineering or attempting to bypass security controls.
• Using PFH’s services to violate laws or third-party rights.

2.5 No Legal, Tax, or Financial Advice

PFH provides tools, platforms, and resources for client use. Unless expressly contracted, PFH does not provide legal, tax, or investment advice, and no content on this site should be relied upon as such.

2.6 Disclaimers

• Services are provided “AS IS” and “AS AVAILABLE.”
• PFH makes no warranties regarding accuracy, reliability, or availability.

2.7 Limitation of Liability

To the maximum extent allowed by law, PFH shall not be liable for any indirect, incidental, or consequential damages, including data loss, downtime, or unauthorized access.

2.8 Indemnification

You agree to indemnify, defend, and hold harmless PFH, its officers, employees, and affiliates against claims, damages, or expenses arising from your use of the site.

2.9 Termination

PFH reserves the right to suspend or terminate accounts or access without notice for violations of these Terms.

2.10 Governing Law

These Terms shall be governed by the laws of the State of Texas, without regard to conflict-of-law principles.