Terms and Conditions

TERMS & CONDITIONS

1. Acceptance of Terms: By accessing or using this Website, you agree to be bound by these Terms &

Conditions.

2. Purpose: This Website provides informational content for personal brand and professional purposes

only and does not constitute legal, medical, financial, or professional advice.

3. Intellectual Property: All content on this Website is the property of Peter D. Banko unless otherwise

noted and may not be reproduced without permission.

4. User Conduct: Users agree not to use the Website unlawfully or attempt unauthorized access or

interference.

5. Governing Law & Venue: These Terms are governed by the laws of the Commonwealth of

Massachusetts. Disputes shall be brought in Massachusetts courts unless subject to arbitration below.

6. Massachusetts Consumer Protection (M.G.L. c. 93A): Nothing in these Terms waives non-waivable

rights under Massachusetts consumer protection law.

7. Binding Arbitration: Any dispute arising from use of this Website shall be resolved through binding

arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules.

Arbitration shall occur in Massachusetts before a single arbitrator. Class actions are waived.

8. Exceptions to Arbitration: Either party may bring qualifying claims in Massachusetts small claims

court or seek injunctive relief for intellectual property protection.

9. Non-Disparagement: Users agree not to make false, defamatory, or misleading public statements

concerning Peter D. Banko or this Website. This does not restrict lawful, truthful, or legally protected

speech.

10. Limitation of Liability: To the fullest extent permitted by Massachusetts law, Peter D. Banko shall not

be liable for indirect, incidental, or consequential damages.

11. Indemnification: Users agree to indemnify and hold harmless Peter D. Banko from claims arising

from misuse of the Website.

12. Modifications: We reserve the right to modify these Terms at any time. Continued use constitutes