Financial Calculators

This Web site is made available as a service to our clients and others for informational purposes only. These materials and information should not be considered as, or a substitute for, accounting, tax or financial advice. While it is hoped the materials provided here are helpful as background material, it is not warranted either expressly or implied as accurate or complete. You should refrain in taking any action based upon the information provided here until you have received proper counsel.

In addition, you understand that any links to any other web site or services does not constitute endorsement of or warranty of any service, product or information provided on their site(s). These links are provided for convenience only.

While our intent is to make transmissions to and from this web site secure, it is understood that no warranty of security can be made and that unforeseen security breaches by "hackers" is a possibility, however slight.

Reproduction of part or all of the contents on this site in any form is prohibited other than for individual use only and it may not be shared with any third party. All content on this site is copyright protected and/or trademarked as appropriate and may not be copied, duplicated or altered in any way.

SMS & Automated Texting Terms & Conditions

1. Program Description: Garcia N' Associates LLC operates an automated messaging and interactive AI communications program. We send transactional notifications, account alerts, onboarding materials, appointment reminders, operational updates, and promotional marketing campaigns via SMS, MMS, and automated AI voice agents (including systems like Twilio, RingCentral, and Retell AI).

2. User Opt-In and Consent: By providing your phone number online, via a mobile form, or over a phone call with our team or AI agents, you explicitly consent to receive recurring automated messages and AI voice interactions from Garcia N' Associates LLC. Enrollment in this program is strictly voluntary and is not required to purchase any goods or services from us.

3. Message Frequency and Rates: Message frequency varies based on user interaction, account activity, and ongoing promotional campaigns. Standard text messaging and data rates imposed by your mobile carrier may apply to all incoming and outgoing text messages or AI voice calls. Garcia N' Associates LLC is not responsible for any fees charged by your carrier.

4. Opt-Out and Unsubscribe Instructions (STOP): You can cancel and opt-out of our SMS and automated calling program at any time. To opt-out of text messages, reply STOP to any message received from us. To opt-out during an interactive voice or AI conversation, state 'STOP' or request to be placed on our internal Do Not Call list. After replying STOP, you will receive a single final text confirming your unsubscribed status. No further automated messages will be sent unless you re-initiate consent.

5. Customer Support (HELP): If you experience issues with our messaging system or need assistance, reply HELP to any message or contact us directly at lgarcia@garcianassociatesllc.com. Please note that text messages sent to our automated outbound numbers may not be monitored by a live human outside of automated command handling.

6. Carrier Liability Disclaimer: Mobile carriers (including, but not limited to, AT&T, T-Mobile, Verizon, Sprint, and regional network operators) are independent entities and are not liable for delayed, misrouted, or undelivered messages or automated calls.

7. Dispute Resolution, Mandatory Arbitration, and Class Action Waiver: PLEASE READ THIS SECTION CAREFULLY. It affects your legal rights, including your right to file a lawsuit in court. Any dispute, claim, or controversy arising out of or relating to this SMS and automated communications program, including federal Telephone Consumer Protection Act (TCPA) claims, state-level telemarketing claims, or privacy claims, shall be resolved exclusively through final, binding, bilateral arbitration rather than in a court of law. You explicitly waive any right to participate in a class-action lawsuit, class-wide arbitration, or representative legal action against Garcia N' Associates LLC.

8. Updates to Terms: We reserve the right to change or update these SMS and Automated Communications Terms at any time. Revised terms will become effective immediately upon posting to our website.

Mobile Terms & Privacy Commitments

Garcia N' Associates LLC values your privacy. We do not sell, rent, lease, or share mobile opt-in data or originator text messaging consent with third parties, affiliates, or partners for marketing or promotional purposes. All information collected through our text messaging and automated calling programs remains strictly internal and is used solely to provide the services requested by the end user.

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