Terms of Service

Effective Date: March 17, 2024

Last Updated: April 1st, 2025

Acceptance of Terms

By accessing or using any services, websites, or communications (“Services”) offered by Kramer Unlimited (“Company,” “we,” “us,” or “our”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, please do not use our Services.

Company Information

Business Name: Kramer Unlimited

Contact Person: Billie Kramer

Address: 2735 Laura Baugh Dr, Melbourne, FL 32935

Email:

[email protected]

Services Overview

We specialize in financial business solutions and related services, including marketing communications through SMS (A2P) and other channels. We reserve the right to modify or discontinue any aspect of our Services at any time.

SMS (A2P) Messaging Program

Program Description: Kramer Unlimited may send SMS messages related to financial service updates, appointment confirmations, customer support responses, and promotional offers to individuals who have opted in to receive such communications.

Consent: By providing your phone number and opting in, you agree to receive automated text messages from Kramer Unlimited. Consent is not a condition of purchase.

Message Frequency: Message frequency may vary.

Message & Data Rates: Message and data rates may apply.

Opt-Out: You may opt out at any time by replying STOP to any message. You will receive confirmation of your opt-out request and will no longer receive SMS messages from us.

Rejoin: To rejoin, sign up again through the original opt-in method.

Help: Reply HELP for assistance or contact us at [email protected].

Carrier Disclaimer: Carriers are not liable for delayed or undelivered messages.

Privacy Policy: For information about how we collect and use your information, please review our Privacy Policy at https://kramerunltd.com/privacy.

User Obligations

Accurate Information: You agree to provide true, accurate, and current information when interacting with our Services.

Lawful Use: You will not use our Services for any unlawful, fraudulent, or abusive purpose.

Compliance: You agree to comply with all applicable laws, regulations, and carrier guidelines regarding SMS and other communications.

Intellectual Property

All content, logos, designs, and materials within our Services are the property of the Company or its licensors. You agree not to copy, distribute, or create derivative works without our written permission.

Disclaimer of Warranties

Our Services are provided “as is” and “as available.” We make no warranties, express or implied, about the accuracy, reliability, or suitability of the Services for any purpose. Your use of the Services is at your own risk.

Limitation of Liability

To the fullest extent permitted by law, the Company shall not be liable for any direct, indirect, incidental, or consequential damages arising out of or in connection with your use of our Services. This includes, but is not limited to, damages for loss of profits, data, or other intangibles.

Indemnification

You agree to indemnify and hold harmless the Company, its affiliates, and employees from any claim or demand arising out of your use of our Services or violation of these Terms.

Changes to the Terms

We reserve the right to modify these Terms at any time. Any changes will be posted with a revised “Last Updated” date. Continued use of our Services constitutes acceptance of the updated Terms.

Governing Law

These Terms shall be governed by the laws of the State of Colorado, without regard to its conflict of law provisions. Any dispute arising from these Terms shall be resolved through binding arbitration in Denver, Colorado, unless otherwise required by law.

Contact Us

If you have any questions or concerns about these Terms, please contact us at

[email protected]