Terms & Conditions

Effective Date: January 1, 2026
Website: https://psassociates.us
Welcome to Patterson and Steele Associates (“PSA,” “Company,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of our website, services, digital platforms, consultations, and any related content provided through https://psassociates.us (the “Website”).
By accessing or using this Website, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, please do not use this Website.
1. Company Services
Patterson and Steele Associates provides lifestyle consulting services related to:

All services, information, and materials provided on this Website are intended for informational and consulting purposes only.
2. Eligibility
By using this Website, you confirm that you are at least 18 years old or have the consent of a parent or legal guardian.
You agree to use this Website only for lawful purposes and in compliance with all applicable laws and regulations.
3. No Professional Advice
The content on this Website does not constitute legal, medical, financial, tax, therapeutic, or professional investment advice.
Any wellness, travel, or real estate information shared by PSA is for general informational purposes only and should not replace advice from licensed professionals.
You acknowledge that your use of any information or services provided by PSA is at your own discretion and risk.
4. Real Estate Disclaimer
PSA may provide consulting, education, referrals, or lifestyle guidance related to real estate opportunities and housing markets. However:

PSA does not guarantee investment returns, property appreciation, financing approval, or transaction outcomes.
5. Travel Disclaimer
Travel recommendations, itineraries, accommodations, and related suggestions are subject to third-party availability and policies.
PSA is not responsible for:

Users are responsible for reviewing all travel requirements and purchasing appropriate insurance when necessary.
6. Wellness Disclaimer
Any wellness, fitness, or lifestyle content shared by PSA is intended for educational and motivational purposes only.
You should consult with qualified healthcare professionals before making significant health, wellness, fitness, or dietary decisions.
PSA does not guarantee specific wellness results or outcomes.
7. Intellectual Property
All content on this Website, including but not limited to:

is the intellectual property of Patterson and Steele Associates or its licensors and is protected by copyright, trademark, and intellectual property laws.
You may not:

any Website content without prior written permission from PSA.
8. User Conduct
You agree not to:

PSA reserves the right to terminate or restrict access to users who violate these Terms.
9. Purchases and Payments
If PSA offers paid consultations, bookings, digital products, memberships, or services, users agree to provide accurate payment and billing information.
All purchases are subject to:

PSA reserves the right to refuse or cancel orders at its discretion.
10. Refund Policy
Due to the nature of consulting services and digital products, all sales may be considered final unless otherwise stated in writing.
Refund eligibility, if applicable, will be determined at PSA’s sole discretion.
11. Third-Party Links
This Website may contain links to third-party websites, platforms, or services.
PSA does not control or endorse third-party content and is not responsible for:

Users access third-party services at their own risk.
12. Limitation of Liability
To the maximum extent permitted by law, Patterson and Steele Associates shall not be liable for any:

arising from:

Your sole remedy for dissatisfaction with the Website is to discontinue use.
13. Indemnification
You agree to indemnify and hold harmless Patterson and Steele Associates, its owners, affiliates, employees, contractors, and partners from any claims, damages, liabilities, or expenses arising from:

14. Privacy
Your use of this Website is also governed by our Privacy Policy.
By using this Website, you consent to the collection and use of information as described in the Privacy Policy below.
15. Disclaimer of Warranties
This Website and all services are provided on an “as is” and “as available” basis.
PSA makes no warranties regarding:

We disclaim all warranties, express or implied, to the fullest extent permitted by law.
16. Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of the United States and the applicable laws of the state in which PSA operates, without regard to conflict of law principles.
17. Changes to Terms
PSA reserves the right to update or modify these Terms at any time without prior notice.
Changes become effective immediately upon posting to the Website.
Continued use of the Website after updates constitutes acceptance of the revised Terms.
18. Contact Information
For questions regarding these Terms and Conditions, please contact:
Patterson and Steele Associates (PSA)
Website: https://psassociates.us

Terms & Conditions

Real estate consulting

Travel consulting and recommendations

Wellness and lifestyle guidance

Business and personal development consulting

Brand and lifestyle experiences

Digital resources and educational materials

PSA is not acting as a licensed real estate broker unless specifically stated.

Property availability, pricing, and market conditions may change without notice.

Users are responsible for conducting independent due diligence before making real estate decisions.

PSA does not guarantee investment returns, property appreciation, financing approval, or transaction outcomes. 5. Travel Disclaimer Travel recommendations, itineraries, accommodations, and related suggestions are subject to third-party availability and policies. PSA is not responsible for:

Airline cancellations or delays

Hotel or accommodation issues

Third-party travel provider actions

Visa or passport requirements

Injuries, losses, or disruptions during travel

Logos

Branding

Graphics

Text

Videos

Images

Designs

Downloads

Digital products

Website layout

is the intellectual property of Patterson and Steele Associates or its licensors and is protected by copyright, trademark, and intellectual property laws. You may not:

Reproduce

Distribute

Modify

Republish

Sell

Copy

Exploit

any Website content without prior written permission from PSA. 8. User Conduct You agree not to:

Use the Website for unlawful purposes

Attempt unauthorized access to Website systems

Upload harmful code, malware, or spam

Copy or scrape Website content

Interfere with Website functionality

Harass, abuse, or threaten others through the Website

PSA reserves the right to terminate or restrict access to users who violate these Terms. 9. Purchases and Payments If PSA offers paid consultations, bookings, digital products, memberships, or services, users agree to provide accurate payment and billing information. All purchases are subject to:

Availability

Pricing changes

Service limitations

Scheduling availability

Third-party practices

Website content

Transactions

Privacy policies

Security practices

Users access third-party services at their own risk. 12. Limitation of Liability To the maximum extent permitted by law, Patterson and Steele Associates shall not be liable for any:

Direct damages

Indirect damages

Incidental damages

Consequential damages

Loss of profits

Data loss

Business interruption

Personal injury

arising from:

Website use

Reliance on Website information

Service interruptions

Third-party services

User actions or decisions

Your sole remedy for dissatisfaction with the Website is to discontinue use. 13. Indemnification You agree to indemnify and hold harmless Patterson and Steele Associates, its owners, affiliates, employees, contractors, and partners from any claims, damages, liabilities, or expenses arising from:

Your Website use

Your violation of these Terms

Your infringement of third-party rights

Your misuse of services or content

Website availability

Accuracy of content

Reliability

Service results

Security

Error-free operation

PSA does not guarantee investment returns, property appreciation, financing approval, or transaction outcomes.
5. Travel Disclaimer
Travel recommendations, itineraries, accommodations, and related suggestions are subject to third-party availability and policies.
PSA is not responsible for:

is the intellectual property of Patterson and Steele Associates or its licensors and is protected by copyright, trademark, and intellectual property laws.
You may not:

any Website content without prior written permission from PSA.
8. User Conduct
You agree not to:

PSA reserves the right to terminate or restrict access to users who violate these Terms.
9. Purchases and Payments
If PSA offers paid consultations, bookings, digital products, memberships, or services, users agree to provide accurate payment and billing information.
All purchases are subject to:

Users access third-party services at their own risk.
12. Limitation of Liability
To the maximum extent permitted by law, Patterson and Steele Associates shall not be liable for any:

Your sole remedy for dissatisfaction with the Website is to discontinue use.
13. Indemnification
You agree to indemnify and hold harmless Patterson and Steele Associates, its owners, affiliates, employees, contractors, and partners from any claims, damages, liabilities, or expenses arising from: