Terms and Conditions
Last updated: September 18, 2025
Please read these terms and conditions carefully before using Our Service.
Interpretation and Definitions
Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
Definitions
For the purposes of these Terms and Conditions:
- Affiliate means an entity that controls, is controlled by or is under common control with a party.
- Country refers to: Tennessee, United States.
- Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to Portiqo, LLC, 825 Valleybrook Drive, Suite 101, Memphis, TN 38120.
- Device means any device that can access the Service.
- Service refers to the Website.
- Terms and Conditions (also referred to as "Terms") mean these Terms and Conditions that form the entire agreement between You and the Company. This agreement has been created with the help of the Terms and Conditions Generator (https://www.termsfeed.com/terms-conditions-generator/).
- Third-party Social Media Service means any services or content provided by a third party that may be displayed, included or made available by the Service.
- Website refers to Portiqo, accessible from http://www.portiqo.com.
- You means the individual accessing or using the Service, or the company or other legal entity on behalf of which such individual is accessing or using the Service.
Acknowledgment
These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company.
By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part, You may not access the Service.
You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.
Your access to and use of the Service is also conditioned on acceptance of the Company’s Privacy Policy.
Links to Other Websites
Our Service may contain links to third-party websites or services not owned or controlled by the Company.
We are not responsible for the content, privacy policies, or practices of any third-party sites or services.
Termination
We may terminate or suspend Your access immediately, without prior notice or liability, for any reason, including breach of these Terms.
Upon termination, Your right to use the Service will cease immediately.
Limitation of Liability
The entire liability of the Company and its suppliers shall be limited to the amount actually paid by You through the Service, or 100 USD if You haven’t purchased anything.
To the maximum extent permitted by law, the Company shall not be liable for special, incidental, indirect, or consequential damages.
Some jurisdictions do not allow such exclusions, so some of these limitations may not apply.
“AS IS” and “AS AVAILABLE” Disclaimer
The Service is provided “AS IS” and “AS AVAILABLE” with all faults and defects.
The Company disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, title, and non-infringement.
No warranty is made that the Service will meet requirements, be error-free, reliable, or virus-free.
Some jurisdictions do not allow exclusions of certain warranties, so parts of this section may not apply.
Governing Law
The laws of Tennessee, United States, excluding its conflict of law rules, shall govern these Terms.
Disputes Resolution
If You have any concern or dispute about the Service, You agree to first try to resolve it informally by contacting the Company.
For European Union (EU) Users
If You are an EU consumer, you will benefit from any mandatory provisions of the law of your country of residence.
United States Legal Compliance
You represent and warrant that:
- You are not located in a country subject to U.S. government embargo.
- You are not listed on any U.S. government list of prohibited or restricted parties.
Severability and Waiver
Severability
If any provision is held unenforceable, it will be changed and interpreted to accomplish its objectives, and the rest will remain in effect.
Waiver
Failure to exercise a right or enforce an obligation shall not constitute a waiver of any subsequent breach.
Translation Interpretation
These Terms may have been translated. The original English text shall prevail in the case of a dispute.
Changes to These Terms and Conditions
We reserve the right to modify or replace these Terms at any time. Material revisions will be announced with reasonable notice.
By continuing to use the Service after revisions, You agree to the new terms.
Contact Us
If you have any questions about these Terms and Conditions, You can contact us:
- By email: jgheens@valentine.insure
- By phone: 901-361-2577