Terms of Service Policy

These Terms of Service and the conditions listed below apply to Kowabunga LLC® (“KLLC”), WWW.Kbung.Com, and all products/services and work- product offered or delivered KLLC, and the conditions concerning your use of and access to the KLLC website. By accessing, using, or downloading any materials or content from the website, or receiving any of the same via email, YOU (herein referred to as “you” or “the user” or “the recipient”) agree to follow and will be bound by all conditions included in this document. If you do not agree with these Terms you may not use our products, services, work-product, and/or website.
Use Provisions

Internet Services, Content, Products, and Accuracy of Data: Due to the complex nature of the information posted on this website, the potential for changes in figures, rules, regulations, industry standards, the nature of its sources – including guest blogs or other third party information, the information may be inaccurate, incomplete, or out of date. We make no guarantees as to the accuracy or completeness of any information expressed on our website, emails, work-product, recommendations, evaluations, mortgage calculator calculations, or conclusions. All features, content, product descriptions, product pricing, services, and statements of said products and services described or displayed on this website, verbally, or via fax or email, are subject to change at any time without notice. Furthermore, information, such as Mortgage Calculator results or other examples of potential structures or payments are for illustrative purposes only and are provided to give only the most general ballpark/rough estimates.

KLLC regularly attempts to accurately display all aspects of our products and services. However, the nature and sprawling scope of the internet make the constant accuracy of information, and the ability to be aware of all ongoing changes, impossible. Therefore, the information posted on this website is for general educational purposes only. No decision should be made based on the information posted on this website.

While using this website, you may see and be offered to click on advertisements from third-party vendors. KLLC has no control nor knowledge of the specifics, terms, benefits, restrictions, nor costs of any products, services, or offers from these third parties, other than the information which we also see in their ads. The User must take the same precautions and engage proper and necessary counsel, to advise them before entering into any agreements or purchases with any third parties.

Confirmations
In some instances, we may confirm the submission of information from the User, or other actions taken by the User, by sending out an email confirmation. Receiving said email(S) binds the recipient to their obligations as outlined in the this Terms of Service Policy, the Terms of Use Policy, the Privacy Policy, and the Cookie Policy. Receiving an email receipt does NOT constitute an agreement beyond the specified details contained in the email and any attachments to the email. We reserve the right without prior notice and at our discretion to refuse service to any User along with access to the website by any visitor or customer should it be used inappropriately or beyond the scope of what KLLC deems acceptable. Furthermore, KLLC reserves the right to no longer provide services to any User where in the sole judgment of KLLC, there is not a good working relationship, or KLLC feels it cannot benefit the User, because of their geographic location, suspected or proven abuse by the User, suspected or proven failure by the User to comply with any and all Policies, or any other reason, in the sole judgement of KLLC.
Materials and Content
ALL materials and content provided by KLLC or displayed on WWW.Kbung.Com require written authorization to be used or transmitted by any user of the website. Any material generated by KLLC and displayed on the website is the sole property of KLLC. This includes, but is not limited to: Product Branding, Report Generation, Images, Client Data, Content, and Accounts Created.

Any unauthorized use of said materials and content may violate local, state, or federal laws designed to protect copyrights, trademarks, and intellectual capital. It is the User’s responsibility to comply with the laws governing their use of the website and protect their personal information (specifically account username / password) along with the confidentiality of their information that may be displayed. You agree to accept responsibility for all activities that occur with-in your account and will NOT hold KLLC liable should the account (or its data) be compromised by an unauthorized user.
Termination
KLLC has the right to terminate your account at any time for any reason and you “the user” or “account holder” has the right to terminate your account at any time.

We reserve the right without prior notice and at our discretion to refuse service to any User along with access to the website by any User should it be used inappropriately or beyond the scope of what KLLC deems acceptable.

Furthermore, KLLC reserves the right to no longer provide services to any User where in the sole judgment of KLLC, there is not a good working relationship, or KLLC feels it cannot benefit the User, because of their geographic location, suspected or proven abuse by the User, suspected or proven failure by the User to comply with any and all Policies, or any other reason, in the sole judgement of KLLC.

Ownership
All work-product, designs, graphics, content, pictures, financial information, reports, evaluations, and non-third-party advertisements are the property of KLLC unless otherwise stated in an additional contract or addendum.

Limitation of Liability & Customers (Clients) Responsibility
KLLC ACCEPTS NO RESPONSIBILITY IN THE FOLLOWING INSTANCES: SHOULD THE WEBSITE BE BROUGHT OFF-LINE AS A RESULT OF TECHNICAL DIFFICULTIES AT OUR FACILITIES OR THOSE OF THE VENDORS KLLC USES. DUE TO THE TECHNICAL NATURE OF OUR PRODUCTS AND SERVICES KLLC CAN NOT BE HELD RESPONSIBLE FOR TECHNICAL DIFFICULTIES THAT OCCUR. ANY LOSS OF BUSINESS RESULTING FROM A THIRD PARTY ADVERTISMENT IS SOLELY THE RESPONSIBILITY OF THE USER. IF A USER NOTICES AN ERROR IN THEIR INFORMATION WHICH THEY HAVE ENTERED, IT IS SOLELY THEIR RESPONSIBILITY TO CONTACT KLLC OR ANY THIRD PARTY VENDORS TO HAVE IT CHANGED/UPDATED.

Third-Party Disclosure
KLLC USES THIRD PARTIES FOR VARIOUS PRODUCTS AND SERVICES AND CANNOT BE HELD RESPONSIBLE FOR DOWNTIME OR LOSS OF BUSINESS DUE TO FAILURES OF SAID THIRD PARTIES.
Representations and Warranties

Each party represents and warrants that it has the power and authority to enter into this agreement and fully understands ALL of the TERMS AND CONDITIONS expressed within.
Intellectual Property Notice

All elements of this website (WWW.Kbung.Com) that have been generated by KLLC are the intellectual property of KLLC.