Terms & Conditions

Last Updated: February 2026

These Terms & Conditions (“Terms”) govern your use of www.mymarnea.com (the “Site”) and the services provided by Marnea (“we,” “our,” or “us”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, you should not use the Site.

1. Use of the Site

You agree to use the Site only for lawful purposes and in compliance with all applicable laws and regulations. You agree not to:

• Use the Site in any manner that could damage, disable, overburden, or impair the Site
• Attempt to gain unauthorized access to any portion of the Site, other accounts, or systems
• Use any automated means to access the Site without our prior written permission

2. Services Provided

Marnea offers services including, but not limited to:

• Accounting
• Lending
• Insurance
• Advising

Specific services may be subject to additional agreements, disclosures, or documentation, which will govern in the event of any conflict with these Terms.

3. No Professional Advice

The information provided on the Site is for general informational purposes only and does not constitute financial, legal, tax, or insurance advice. Professional services are only provided once a formal engagement agreement is executed between you and Marnea. You should consult with a qualified professional before making any financial, legal, or tax decisions.

4. User Responsibilities

When using the Site or engaging our services, you agree to:

• Provide accurate, current, and complete information
• Maintain the confidentiality of any login credentials (if applicable)
• Promptly notify us of any unauthorized use of your account or security breach
• Not misuse, interfere with, or attempt to disrupt the Site or our services

5. Intellectual Property

All content on the Site, including text, graphics, logos, icons, images, and software, is the property of Marnea or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, modify, distribute, display, or create derivative works from any content on the Site without our prior written consent.

6. Payment & Billing

For paid services:

• Fees will be disclosed prior to engagement or as set forth in a separate agreement
• Payments may be processed through secure third-party payment providers
• Failure to pay fees when due may result in suspension or termination of services

7. Limitation of Liability

To the fullest extent permitted by law, Marnea and its officers, employees, and agents shall not be liable for any indirect, incidental, consequential, special, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising out of or in connection with your use of the Site or our services. Your use of the Site is at your own risk. We do not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.

8. Third-Party Services

The Site may integrate with or contain links to third-party platforms or services, such as payment processors, CRM tools, or other external websites. We do not control and are not responsible for the content, policies, or performance of any third-party services. Your use of third-party services is subject to their respective terms and policies.

9. SMS Terms & Conditions

These SMS Terms & Conditions explain how we communicate with you via text message and your rights regarding SMS communications.

9.1 SMS Consent & Privacy

The phone number you provide for SMS consent will not be shared with third parties or affiliates for marketing purposes. Mobile opt-in, SMS consent, and phone numbers collected for SMS communication purposes will not be shared with any third party or affiliates for marketing purposes.

9.2 Types of SMS Communications

If you opt in, you may receive messages such as:

• Appointment reminders
• Follow-up messages
• Billing or account inquiries
• Service updates
• Promotions or offers (if applicable)

Example: “Hello, this is a reminder of your upcoming appointment with Marnea on [Date] at [Time]. You can reply STOP to opt out of SMS messaging from Marnea at any time.”

9.3 Message Frequency

Message frequency may vary. You may receive up to 2 SMS messages per week regarding your appointments, account status, or related services.

9.4 Fees & Charges

Standard message and data rates may apply, depending on your carrier’s pricing plan.

9.5 Opt-In Methods

You may opt in to receive SMS messages from Marnea in the following ways:

• Verbally, during a conversation
• By submitting an online form
• By filling out a paper form

9.6 Opt-Out Method

You can opt out of receiving SMS messages at any time. To do so, simply reply “STOP” to any SMS message you receive.

9.7 Help

If you are experiencing any issues, you can reply with the keyword “HELP” to any SMS message. You can also contact us directly at info@mymarnea.com.

9.8 Standard Messaging Disclosures

Message and data rates may apply. You can opt out at any time by texting “STOP.” For assistance, text “HELP” or visit our Privacy Policy and Terms & Conditions pages. Message frequency may vary.

10. Termination

We may suspend or terminate your access to the Site, in whole or in part, at any time and for any reason, including if we believe you have violated these Terms. Upon termination, your right to use the Site will immediately cease.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any disputes arising out of or relating to these Terms or your use of the Site shall be brought exclusively in the state or federal courts located in Texas.

12. Changes to These Terms

We may update or modify these Terms from time to time. When we do, we will revise the “Last Updated” date at the top of this page. Your continued use of the Site after any changes indicates your acceptance of the updated Terms.

13. Contact Us

If you have any questions about these Terms & Conditions, please contact us at:

info@mymarnea.com