1. Acceptance of Terms
Welcome to the website of Delta Financial Ratios ("DFR," "we," "our," or "us"). By accessing or using our website, mobile applications, or financial services, you agree to be bound by these Terms of Service ("Terms").
If you do not agree to all of these Terms, you must not access or use our services.

2. Changes to Terms
We reserve the right to modify or update these Terms at any time. Any changes will be effective immediately upon posting the revised Terms on our website, with the updated effective date.
Your continued use of our website or services following the posting of changes constitutes your acceptance of such changes.

3. Eligibility and Account Security
You must be at least 18 years of age and a legal resident to use our services.
If you create an account, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify DFR immediately of any unauthorized use.

4. Limitation of Liability
To the maximum extent permitted by applicable law, DFR's total liability arising out of or related to these Terms or your use of our services shall be strictly limited to the direct damages proven, not to exceed the amount actually paid by you to DFR (if any) for the specific services giving rise to the claim during the preceding twelve (12) months.
EXCLUSIONS FROM LIMITATION: Notwithstanding anything to the contrary in these Terms, nothing herein shall exclude, restrict, or limit liability for gross negligence, willful misconduct, fraud, or any statutory rights and consumer protections that cannot be waived or limited under applicable law.

5. Governing Law and Jurisdiction
These Terms and any disputes arising out of or relating to them, or your use of our website and services, shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law principles.
Subject to the Arbitration Agreement below, you agree that any legal action, suit, or proceeding arising out of or relating to these Terms shall be instituted exclusively in the state or federal courts located in Fulton County, Georgia, and each party irrevocably submits to the exclusive personal jurisdiction and venue of such courts.

6. Dispute Resolution, Mutual Arbitration, and Class Action Waiver
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
• Mutual Arbitration Agreement: Any dispute, claim, or controversy arising out of or relating to these Terms, our website, or our financial services shall be settled by binding mutual arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules, governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.). The arbitration shall be conducted in Fulton County, Georgia, before a single neutral arbitrator.
• Class Action Waiver: YOU AND DFR AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. Unless both you and DFR agree otherwise, the arbitrator may not consolidate more than one person's claims.

7. Intellectual Property Rights
All content, trademarks, logos, service marks, graphics, and software displayed on our website are the property of DFR or its licensors and are protected by United States and international intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use our website strictly for personal, non-commercial informational purposes related to our financial services.

8. External Links
Our website may contain links to third-party websites or services that are not owned or controlled by DFR. DFR assumes no responsibility for the content, privacy policies, or practices of any third-party websites.

9. Termination
DFR reserves the right to suspend or terminate your access to our website and services at any time, with or without cause, and without prior notice, effective immediately.

10. Contact Information
If you have any questions or concerns regarding these Terms of service, please contact us at:
• Company Name: Delta Financial Ratios
• Corporate Address: 10080 Bellaire Blvd #207, Houston, TX 77072
• Email Address: verification@dfr-us.com
• Phone Number: (888) 505-8816