1. Acceptance of Terms
By accessing or using felixjhernandez.com (the "Website") or any services offered by Felix J. Hernandez ("we," "us," "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree with any part of these Terms, you must not use this Website or our services.
We reserve the right to update or modify these Terms at any time. Your continued use of the Website following any changes constitutes acceptance of the revised Terms. The most current version will always be posted on this page with the "Last Updated" date.
2. Description of Services
Felix J. Hernandez provides advisory, referral, and consulting services in the following areas:
- Real Estate: Residential and commercial buying, selling, and investment advisory
- Insurance: Life, health, home, auto, and business insurance guidance and referrals
- Mortgage: Home loan guidance, pre-qualification support, and lender referrals
- Business Services: Business formation, strategy, funding access, and consulting
The information provided on this website is for general informational purposes only and does not constitute professional financial, legal, or investment advice. Always consult with a licensed professional before making financial decisions.
3. SMS / Text Message Terms
By providing your mobile phone number and opting in through our website form, you consent to receive recurring automated and non-automated SMS/text messages from Felix J. Hernandez. These messages may include:
- Appointment confirmations and reminders
- Follow-up communications related to your inquiries
- Information about real estate, insurance, mortgage, and business services
- Promotional offers and updates (with consent)
Message Frequency
Message frequency varies. You may receive between 1–10 messages per month depending on your engagement and service needs.
Message and Data Rates
Standard message and data rates may apply based on your mobile carrier and service plan. Felix J. Hernandez is not responsible for any charges from your carrier.
Opt-Out Instructions
To stop receiving SMS messages at any time, reply STOP to any message we send. You will receive one final confirmation message, after which no further SMS messages will be sent. To re-subscribe, reply START or contact us directly.
Help
Reply HELP for assistance, or contact us at [email protected] or +1 (347) 921-0999.
Carrier Disclaimer
Carriers are not liable for delayed or undelivered messages. SMS consent is not a condition of any purchase or service.
4. Email Communications
By submitting your email address through our website, you consent to receive email communications from Felix J. Hernandez. You may unsubscribe at any time by clicking the "Unsubscribe" link in any email or by contacting us at [email protected].
5. Use of the Website
You agree to use this Website only for lawful purposes and in a manner that does not infringe upon the rights of others. You agree not to:
- Use the Website for any fraudulent, unlawful, or harmful purpose
- Attempt to gain unauthorized access to any portion of the Website or related systems
- Transmit any viruses, malware, or other harmful code
- Collect or harvest personal information of other users without consent
- Reproduce, duplicate, or resell any portion of the Website without express written permission
- Interfere with or disrupt the integrity or performance of the Website
6. Intellectual Property
All content on this Website, including but not limited to text, graphics, logos, images, and software, is the property of Felix J. Hernandez or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, modify, or create derivative works without prior written permission.
7. Appointment Booking and Cancellation
When you book a consultation through our Website:
- You agree to provide accurate and complete information
- Appointments are subject to availability and confirmation
- We ask that you provide at least 24 hours notice if you need to cancel or reschedule
- Repeated no-shows may result in limited access to booking services
8. Disclaimer of Warranties
THE WEBSITE AND ALL CONTENT AND SERVICES PROVIDED ARE OFFERED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
We do not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components. We make no guarantees regarding the accuracy, completeness, or reliability of any information on the Website.
9. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FELIX J. HERNANDEZ SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE WEBSITE OR OUR SERVICES.
Our total liability to you for any claims arising under these Terms shall not exceed the total amount paid by you for services in the 12 months preceding the claim, or $100, whichever is greater.
10. Third-Party Links and Services
Our Website may contain links to third-party websites or services. These links are provided for convenience only. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. We encourage you to review the terms and privacy policies of any third-party sites you visit.
11. Privacy
Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review the Privacy Policy to understand our practices regarding your personal information.
12. Indemnification
You agree to indemnify, defend, and hold harmless Felix J. Hernandez, his affiliates, partners, employees, and agents from any claims, liabilities, damages, judgments, awards, losses, costs, or expenses (including reasonable attorney fees) arising from your violation of these Terms or your use of the Website.
13. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in New York County, New York.
14. Severability
If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.
15. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Felix J. Hernandez regarding the use of our Website and supersede all prior agreements and understandings.
16. Contact Information
If you have any questions about these Terms of Service, please contact us:
- Name: Felix J. Hernandez
- Email: [email protected]
- Phone: +1 (347) 921-0999
- Website: felixjhernandez.com