Terms of Use

Acceptance of the Terms of Use

These terms and conditions, together with any documents they expressly incorporate by reference (collectively, “Terms of Use”), govern your access to and use of https://liowncapital.com (the “Website”), including any content, functionality, and services offered on or through the Website.

By using the Website, you accept and agree to be bound by these Terms of Use and our Privacy Policy, incorporated here by reference. If you do not agree, you must not access or use the Website.

The Website is offered to users who are 13 years of age or older. By using the Website, you represent that you meet this eligibility requirement.

Changes to the Terms of Use

We may revise these Terms of Use from time to time in our sole discretion. Changes are effective when posted and apply to access and use thereafter. Changes to the dispute-resolution provisions will not apply to disputes for which the parties had actual notice before the change was posted.

Your continued use of the Website after revised terms are posted means that you accept the changes. You should review this page when you access the Website so that you are aware of the terms then in effect.

Accessing the Website and Account Security

We reserve the right to withdraw or amend the Website, and any service or material provided through it, without notice. We will not be liable if all or any part of the Website is unavailable at any time or for any period.

• You are responsible for making the arrangements necessary for access to the Website.
• You must ensure that anyone accessing the Website through your connection knows and complies with these terms.
• Any information you provide through the Website must be correct, current, and complete.

If any account or security credential is made available, you must keep it confidential, must not provide it to another person, and must notify us promptly of unauthorized access or another security breach. We may disable any credential when we believe these terms have been violated.

Intellectual Property Rights

The Website and its contents, features, and functionality - including information, software, text, displays, images, video, audio, and their design, selection, and arrangement - are owned by the Company, its licensors, or other providers and are protected by applicable intellectual-property and proprietary-rights laws.

These terms permit personal, noncommercial use of the Website. You may:

• Temporarily store materials in memory as part of accessing and viewing them.
• Store files automatically cached by your browser for display purposes.
• Print or download a reasonable number of pages for personal, noncommercial use.

You must not:

• Modify, reproduce, distribute, republish, publicly display, publicly perform, or commercially use Website materials.
• Use photographs, illustrations, video, audio, or graphics separately from accompanying text.
• Delete or alter copyright, trademark, or other proprietary-rights notices.

Requests for uses not permitted above should be sent to legal@liowncapital.com. No right, title, or interest in the Website or its content is transferred to you, and all rights not expressly granted are reserved.

Trademarks

The Liown Capital name and related names, logos, product and service names, designs, and slogans are trademarks of the Company, its affiliates, or licensors. They may not be used without prior written permission. Other names and marks appearing on the Website belong to their respective owners.

Prohibited Uses

You may use the Website only for lawful purposes and in accordance with these Terms of Use. You agree not to:

• Violate an applicable federal, state, local, or international law or regulation.
• Exploit or harm minors, solicit personally identifiable information from minors, or expose them to inappropriate content.
• Transmit unauthorized advertising, junk mail, chain letters, spam, or similar solicitations.
• Impersonate the Company, a Company employee, another user, or another person or entity.
• Restrict or inhibit another person’s use of the Website or engage in conduct that may harm the Company or users.
• Disable, overburden, damage, or impair the Website or interfere with another party’s use.
• Use a robot, spider, automated device, or unauthorized manual process to monitor or copy Website material.
• Introduce malicious or technologically harmful material.
• Attempt unauthorized access to, or interfere with, the Website, its server, or connected systems or databases.
• Attack the Website through a denial-of-service or distributed denial-of-service attack.

Monitoring, Enforcement, and Termination

We may:

• Take legal action, including referral to law enforcement, for illegal or unauthorized Website use.
• Terminate or suspend access to all or part of the Website for a violation of these terms or another reason.
• Cooperate with a law-enforcement request or court order requiring disclosure of information.

To the extent permitted by law, you waive and hold harmless the Company from claims resulting from actions taken during an investigation and from actions taken as a consequence of investigations by the Company or law enforcement.

Reliance on Information Posted

Information presented on or through the Website is made available solely for general information. We do not warrant its accuracy, completeness, or usefulness. Any reliance on Website information is at your own risk.

Statements or opinions in materials supplied by third parties are solely those of the person or entity providing them and do not necessarily reflect the Company’s opinion. We are not responsible for the content or accuracy of third-party materials.

Changes to the Website

We may update Website content from time to time, but it is not necessarily complete or current. Material may be out of date at any given time, and we are under no obligation to update it.

Information About You and Your Visits

Information collected through the Website is subject to our Privacy Policy. By using the Website, you consent to actions taken with your information in accordance with that policy.

Linking to the Website

You may link to the homepage in a fair and lawful way that does not damage our reputation, take advantage of it, or suggest an association, approval, or endorsement where none exists. You must not frame the Website, deep-link to internal content, or display Website content through another site without permission.

You agree to cooperate in stopping unauthorized framing or linking. We may withdraw linking permission or disable linking and social-media features at any time without notice.

Links from the Website

Links to third-party sites and resources are provided for convenience only. We do not control those destinations and accept no responsibility for their content or for loss or damage arising from their use. Access is at your own risk and subject to the third party’s terms and policies.

Geographic Restrictions

The Website owner is based in California, United States. The Website is provided for use by persons located in the United States. We make no claim that it or its content is appropriate or accessible elsewhere. Anyone accessing it from outside the United States does so on their own initiative and is responsible for compliance with local law.

Disclaimer of Warranties

Your use of the Website, its content, and any services or items obtained through it is at your own risk. The Website and its content are provided on an “as is” and “as available” basis, without warranties of any kind, express or implied.

Neither the Company nor anyone associated with it warrants that the Website will be accurate, complete, secure, reliable, uninterrupted, error-free, free of harmful components, or suitable for your needs. To the fullest extent permitted by law, the Company disclaims all warranties, including warranties of merchantability, non-infringement, and fitness for a particular purpose.

The foregoing does not affect warranties that cannot be excluded or limited under applicable law.

Limitation on Liability

To the fullest extent permitted by law, the Company, its subsidiaries, affiliates, licensors, service providers, employees, agents, officers, and directors will not be liable for damages arising out of or relating to your use of, or inability to use, the Website, its content, or linked websites.

This limitation does not apply to liability resulting from gross negligence or willful misconduct, or to liability that cannot be excluded or limited under applicable law.

Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, service providers, and their respective officers, directors, employees, contractors, agents, suppliers, successors, and assigns from claims, liabilities, damages, judgments, losses, costs, expenses, and fees arising from your violation of these terms or your unauthorized use of the Website or information obtained from it.

Governing Law and Jurisdiction

Matters relating to the Website and these Terms of Use, including non-contractual disputes or claims, are governed by the internal laws of the State of California without giving effect to choice-of-law rules.

Subject to the arbitration provision below, any legal suit, action, or proceeding arising from these terms or the Website must be instituted in the federal or state courts located in the City of Santa Ana and County of Orange, California. You waive objections to jurisdiction and venue in those courts. We retain the right to bring an action against you in your country of residence or another relevant country.

Dispute Resolution and Binding Arbitration

You and Liown Capital agree to give up rights to litigate covered claims in court or before a jury. Other rights that would be available in court may also be unavailable or limited in arbitration.

Any claim, dispute, or controversy between you and us arising from or relating to your visit to or use of the Website will be resolved exclusively and finally by binding arbitration, except as otherwise provided below.

Arbitration will be administered by JAMS in Orange County, California, under its Comprehensive Arbitration Rules and Procedures applying California law, as modified by this section. The Federal Arbitration Act governs interpretation and enforcement of this section. The arbitrator has exclusive authority to resolve disputes about arbitrability or enforceability and may grant relief available in court. An award is final and binding and may be entered as a judgment in a court of competent jurisdiction.

You may pursue an eligible claim in small-claims court rather than arbitration by providing written notice within 60 days after the dispute arises. Any arbitration or small-claims proceeding will be limited to the individual dispute.

Neither you nor Liown Capital may join or consolidate claims by or against others, participate as a class representative or class member, or act in a private-attorney-general capacity. The tribunal may not consolidate more than one person’s claims or preside over a representative or class proceeding.

A challenge to the class-arbitration waiver may be raised only in a court of competent jurisdiction. If a provision of this arbitration agreement is unenforceable, it will be severed and the remaining arbitration terms enforced.

Limitation on Time to File Claims

Any cause of action or claim arising out of or relating to these Terms of Use or the Website must be commenced within one year after the cause of action accrues; otherwise, it is permanently barred.

Waiver and Severability

A waiver by the Company of a term or condition is not a continuing waiver or a waiver of another term. A failure to assert a right or provision does not constitute a waiver. If a provision is held invalid, illegal, or unenforceable, it will be eliminated or limited to the minimum extent necessary and the remaining provisions will continue in effect.

Entire Agreement

These Terms of Use, our Privacy Policy, and our Notice at Collection constitute the entire agreement between you and the Company regarding the Website and supersede prior and contemporaneous understandings, representations, and warranties concerning the Website.

Your Comments and Concerns

This Website is operated by Liown Capital Corporation, 621 Lunar Avenue, Brea, California 92821.

Copyright-infringement notices should be submitted as described in our Copyright Policy. All other feedback, comments, technical-support requests, and communications about the Website should be sent to legal@liowncapital.com.