Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using this website. Your access to and use of the Service is conditioned upon your acceptance of and compliance with these Terms. These Terms apply to all website visitors, users, and others who wish to access or use our Services.

By accessing or using this Service you agree to be bound by these Terms. If you disagree with any part of the terms then you do not have permission to access this Service.

Intellectual Property
The Service and its original content, features, and functionality will remain the exclusive property of NAMCOA and its affiliates. The service provided on this website is protected by copyright, trademark, and other laws of the United States.

Links To Other Web Sites
Our Service may contain links to third-party websites or services that are not owned or controlled by NAMCOA. NAMCOA has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party website or service. We do not warrant the offerings of any of these entities, individuals, or their websites.

You acknowledge and agree that NAMCOA shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third-party web sites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

Termination
We may terminate or suspend your access to the NAMCOA website immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

Indemnification
You agree to defend, indemnify, and hold harmless NAMCOA, its affiliates and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, or b) a breach of these Terms.

Not an Offering of Securities
The information herein has been prepared for educational purposes only and does not constitute an offer to purchase or sell securities.

Investment Risks
There may be material risks associated with investing including liquidity, general market conditions, interest rate risks, potentially changing tax laws, general economic risks and the potential loss of investment principal.

No Guarantees
Dividends and capital appreciation are not guaranteed and could be lower than anticipated. Diversification does not guarantee a profit or protect against a loss in a declining market.

This material in this website is not to be interpreted as tax or legal advice. Please speak with your own tax and legal advisors for advice/guidance regarding your particular situation.

SMS Terms & Conditions

1. SMS Consent Communication  The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.
    
2.  Types of SMS Communications:

If you have consented to receive text messages from NAMCOA, you may receive messages related to the following (provide specific examples):

• • Appointment reminders
  • Follow-up messages
    

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

3. Message Frequency:
   Message frequency may vary depending on the type of communication. For example, you may receive up to 3 SMS messages per week related to your [appointments/billing, etc.].
4. Potential Fees for SMS Messaging: 

Please note that standard message and data rates may apply, depending on your carrier's pricing plan. These fees may vary if the message is sent domestically or internationally.

5. Opt-In Method:

You may opt in to receive SMS messages from NAMCOA, by visiting our Contact page and submitting an online form

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. Alternatively, you can contact us directly to request removal from our messaging list.

7. Help:

If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at (insert the link)

• • Additional Options:
  • If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms. 

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 and Conditions] pages.
  • Message frequency may vary