Welcome to emetandco.com. These Terms & Conditions (“Terms”) outline the rules, responsibilities, and expectations that apply when you access or use this website (the “Site”). We encourage you to read these Terms carefully. By using the Site, you agree to be bound by them. If you do not agree with any part of these Terms, you should discontinue use of the Site immediately.

1. Purpose of This Website

This Site is operated by Ifergan & Company LLC, doing business as Palmina Consulting (“we,” “us,” or “our”). The content provided on this Site is for general informational purposes only. Its purpose is to describe our services, share insights, and allow you to contact us. Nothing on this Site constitutes legal, financial, or professional advice tailored to your specific circumstances. You should always seek direct guidance from qualified professionals before acting on information you find here.

2. Use of the Site

By accessing this Site, you agree to use it responsibly and for lawful purposes only. You may not use the Site in any way that could harm, disable, or impair its functioning, or interfere with another visitor’s use or experience. You also agree not to attempt to gain unauthorized access to any part of the Site or to any systems or networks connected to it.

We reserve the right to restrict, suspend, or terminate access to the Site for violations of these Terms or for any activity that we determine, in our discretion, may be harmful to the Site, our business, or other users.

3. Intellectual Property

All content on this Site—including text, images, graphics, logos, branding, layouts, designs, and any other materials—is the property of Emet & Company or is used with permission. This content is protected by copyright and other intellectual property laws.

You are welcome to read, share, or reference our content for personal, educational, or non-commercial purposes. However, you may not copy, reproduce, distribute, modify, or use any part of this Site for commercial purposes without our express written permission.

If you wish to use any of our materials beyond personal reference, please contact us at chloe@emetandco.com to request permission.

4. Accuracy of Information

We strive to keep all information on this Site accurate, current, and helpful. However, we cannot guarantee that all content is free from error, complete, or updated at all times. We may modify or remove content at any time without notice. The use of any information on this Site is at your own discretion and risk.

5. Links to Other Websites

From time to time, our Site may include links to external websites or resources. These links are provided solely for convenience. We do not control, endorse, or take responsibility for the content or privacy practices of those third-party websites. Accessing linked sites is done at your own risk, and their own terms and privacy policies will apply.

6. No Client Relationship

Viewing this Site or contacting us through it does not by itself create a client relationship with Emet & Company. A formal client relationship is established only when both parties agree to work together and a written service agreement or contract is executed.

Any testimonials, examples, or descriptions of past work on this Site are illustrative only and do not guarantee future outcomes.

7. Limitation of Liability

To the fullest extent permitted by law, Emet & Company will not be liable for any damages arising out of or related to your use of this Site. This includes, but is not limited to:

• direct, indirect, incidental, or consequential damages

• loss of data, business, or profits

• Security breaches beyond our reasonable control

• any reliance on information found on the Site

While we take care to maintain a secure and functional website, we cannot guarantee that the Site will be error-free, uninterrupted, or free from harmful elements such as viruses.

Your use of the Site signifies that you understand and accept these limitations.

8. Indemnification

By using this Site, you agree to indemnify and hold harmless Ifergan & Company LLC, its owners, employees, and affiliates from any claims, liabilities, damages, losses, or expenses (including attorney fees) that arise out of your use of the Site or your violation of these Terms.

9. Privacy

Your use of this Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. By using the Site, you acknowledge that you have read and understand our Privacy Policy.

10. Changes to These Terms

We may update or modify these Terms from time to time as our business evolves or as legal requirements change. Any updates will be posted on this page with a revised effective date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

11. Governing Law

These Terms are governed by the laws of the State of Ohio, without regard to conflict-of-law principles. Any disputes related to these Terms or your use of the Site will be resolved exclusively in state or federal courts located in Ohio.

12. Contact Us

If you have questions about these Terms & Conditions or would like clarification on any part of this policy, you may contact us at:

Palmina Consulting
Ifergan & Company LLC
Cincinnati, Ohio
Email: chloe@palminaconsulting.com

Thank you for visiting our Site and for respecting these terms. We appreciate the opportunity to connect with you and support the meaningful work you do in your community.