Terms of Service

1. Acceptance of terms

By accessing or using the website of Bruno & Cole Inquisitions & Associates (the "Agency," "we," "us"), you agree to these Terms of Service. If you do not agree, please discontinue use of the site.

2. Purpose of this site

This website provides general information about our accounts receivable management and collection services and allows consumers to contact us regarding an account. Nothing on this site is legal, tax, or financial advice.

3. Debt collection notice

This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector. Consumers have the right to dispute a debt and request verification as described in our validation notice and under the Fair Debt Collection Practices Act.

4. Account information and payments

• You agree that information you submit is accurate and that you are authorized to submit it.
• Payments submitted through our portal are processed by a third-party payment provider.
• A payment is not final until funds clear; returned payments may incur charges permitted by law.
• Payment arrangements are not effective unless confirmed by the Agency in writing.

5. Acceptable use

You agree not to:

• Use the site for any unlawful purpose or in violation of these terms;
• Attempt to gain unauthorized access to any system, account, or data;
• Interfere with the operation, security, or availability of the site;
• Submit false, misleading, or fraudulent information.

6. Intellectual property

All content on this site, including text, graphics, logos, and layout, is owned by the Agency or its licensors and may not be reproduced without written permission.

7. Third-party links

The site may link to third-party websites. We do not control and are not responsible for their content, security, or privacy practices.

8. Disclaimer of warranties

The site is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted or error free.

9. Limitation of liability

To the maximum extent permitted by law, the Agency is not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of the site. Nothing in these terms limits any right you have under applicable consumer protection law.

10. Indemnification

You agree to indemnify and hold harmless the Agency and its officers, employees, and agents from claims arising out of your misuse of the site or violation of these terms.

11. Governing law

These terms are governed by the laws of the State of New York, without regard to conflict-of-law principles. Venue for any dispute lies in the state or federal courts located in New York County, New York.

12. Changes to these terms

We may update these terms at any time. Continued use of the site after changes are posted constitutes acceptance of the revised terms.

13. Contact

Bruno & Cole Inquisitions & Associates, 120 Broadway, Suite 1400, New York, NY 10271 · (212) 555-0147 · info@brunoandcole.com