Terms of Service

Acceptance of Terms

By accessing or using our website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use this website.

Website Use

Our website is intended for business users seeking information about accounts receivable management, commercial collections, and related services. You may use the website to:

• Learn about our Accounts Receivable Management and Commercial Collection services
• Contact us to request information or schedule a consultation
• Access resources made available for legitimate business purposes

You agree not to:

• Use the website in any way that violates applicable federal, state, or local law
• Attempt to gain unauthorized access to our systems, networks, or data
• Transmit malware, spam, or other harmful or disruptive content
• Scrape, copy, or reproduce website content for commercial use without our written permission
• Misrepresent your identity or affiliation when submitting inquiries or forms

No Client Relationship

Information on this website is provided for general informational purposes only. Submitting a contact form, scheduling a consultation, or communicating with us through the website does not create a client relationship or service agreement unless and until both parties execute a separate written agreement.

Service Agreements

Accounts Receivable Management, commercial collections, and other services provided by MJM are governed by separate client agreements, fee schedules, and applicable licensing and compliance requirements. Website content does not modify or replace any signed service agreement.

Intellectual Property

All content on this website — including text, graphics, logos, images, and layout — is owned by or licensed to MJM Receivables Management and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from website content without our prior written consent.

User Submissions

When you submit information through our website, you represent that the information is accurate to the best of your knowledge and that you are authorized to provide it. You agree not to submit confidential information belonging to third parties without proper authorization.

Third-Party Links

Our website may include links to third-party websites or services for convenience. MJM does not control and is not responsible for the content, policies, or practices of those third parties. Accessing third-party sites is at your own risk.

Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, MJM disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee that the website will be uninterrupted, error-free, or free of harmful components.

Limitation of Liability

To the fullest extent permitted by law, MJM Receivables Management and its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website. Our total liability for any claim related to website use shall not exceed one hundred U.S. dollars (USD $100), except where liability cannot be limited under applicable law.

Indemnification

You agree to indemnify and hold harmless MJM Receivables Management from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your misuse of the website or violation of these Terms.

Governing Law

These Terms are governed by the laws of the State of New Jersey, without regard to conflict-of-law principles. Any dispute relating to these Terms or website use shall be brought in the state or federal courts located in New Jersey, and you consent to the jurisdiction of those courts.

Changes to These Terms

We may update these Terms from time to time. Revised Terms will be posted on this page with an updated effective date. Continued use of the website after changes are posted constitutes acceptance of the revised Terms.

Contact Information

If you have questions about these Terms of Service, please contact:

Email: info@mjmreceivablesmanagement.com

Phone: 1-888-491-8856