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TERMS & CONDITIONS

Welcome to SEFA, LLC ("sefa.com"). These Terms and Conditions ("Terms") govern your use of our Website, which is provided for informational purposes only. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, please do not use the Website.

1. Use of the Website

  • Purpose: The Website is intended to provide information only. It does not offer products, services, or transactions for sale.
  • Permitted Use: You may use the Website for personal, non-commercial purposes. You must not use it in any way that violates applicable laws or these Terms.
  • Prohibited Actions: You agree not to:
    • Attempt to gain unauthorized access to the Website or its systems.
    • Use the Website to distribute viruses, malware, or other harmful content.
    • Copy, modify, or distribute the Website’s content without permission.

2. Intellectual Property

  • Ownership: All content on the Website, including text, images, logos, and graphics, is owned by SEFA, LLC or its licensors and is protected by copyright and other intellectual property laws.
  • Limited License: You are granted a non-exclusive, non-transferable license to view and use the content for personal, informational purposes only. You may not reproduce, distribute, or create derivative works from the content without written permission from SEFA, LLC.

3. Disclaimers

  • As-Is Basis: The Website and its content are provided "as is" without warranties of any kind, express or implied, including accuracy, completeness, or fitness for a particular purpose.
  • No Liability: SEFA, LLC is not liable for any damages arising from your use of the Website, including direct, indirect, incidental, or consequential damages, to the fullest extent permitted by law.
  • Availability: We do not guarantee that the Website will always be available, uninterrupted, or error-free.

4. Third-Party Links

  • The Website may contain links to external sites not controlled by SEFA, LLC. We are not responsible for the content, accuracy, or practices of these third-party sites. Accessing them is at your own risk.

5. Privacy

  • Your use of the Website is also governed by our Privacy Policy, available at https://www.sefa.com/privacy-policy. Please review it to understand how we collect, use, and protect your information.

6. Changes to the Terms

  • We may update these Terms from time to time. The effective date at the top will reflect the latest version. Continued use of the Website after changes means you accept the updated Terms.

7. Termination

  • We reserve the right to restrict or terminate your access to the Website at our discretion, without notice, if we believe you have violated these Terms or for any other reason.

8. Governing Law

  • These Terms are governed by the laws of Illinois, USA, without regard to conflict of law principles. Any disputes will be resolved in the courts of Cook County, Illinois.

9. Contact Information

  • If you have questions about these Terms, please contact us at: