Last Updated: October 17, 2025

This Terms of Use & Privacy Policy (“Policy”) governs your use of all websites administered or operated by Packard Management Group, Inc. (“Packard Management Group,” “PMG,” “We,” “Us,” or “Our”). By accessing, browsing, or using any of our websites (collectively, “PMG Websites,” and each individually, a “Website”), you agree to be bound by this Policy. If you do not agree to all terms of this Policy, please do not use, browse, or otherwise access our Websites.

TERMS OF USE

1. Ownership of Content

All materials and content available on PMG Websites (collectively, the “Content”), including but not limited to text, graphics, logos, icons, images, audio and video clips, digital downloads, data compilations, and software, are the property of Packard Management Group or its licensors. The design, organization, and compilation of all Content are protected by United States and international copyright laws and conventions. You are granted a limited, non-exclusive, non-transferable, and revocable license to access and use the Content for personal, non-commercial purposes related to your use of PMG Websites. Any other use, including reproduction, distribution, modification, or resale of Content, is prohibited without PMG’s express written consent.

2. User Responsibilities

By using our Websites, you represent and warrant that you own or have permission to share any data or materials you submit, all information you provide is accurate and truthful, and your submissions do not infringe on any third-party rights or violate any law. You agree to indemnify and hold harmless PMG, its officers, employees, and affiliates from any claims, damages, or losses resulting from your submissions or misuse of our Websites. PMG reserves the right, but not the obligation, to monitor or remove any content or activity on its Websites at its sole discretion.

3. Disclaimer of Warranties

PMG Websites and all Content are provided “as is” without warranties of any kind, express or implied. To the fullest extent permitted by law, PMG disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the Websites will operate uninterrupted or error-free, that the Websites or servers are free of viruses or harmful components, or that the information provided is accurate, complete, or current. You assume all risk for your use of PMG Websites.

4. Third-Party Services

PMG Websites may include links to, or integrate with, third-party service providers, such as payment processors, document portals, or external association management tools. Transactions or interactions with such providers are solely between you and the provider. PMG is not responsible for any issues, errors, or damages arising from your use of third-party services. You acknowledge that PMG does not control and is not responsible for the acts or omissions of any third party, and you hereby waive any claims against PMG relating to third-party services, links, or integrations.

5. Limitation of Liability

UNDER NO CIRCUMSTANCES SHALL PACKARD MANAGEMENT GROUP OR ITS AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING LOST PROFITS OR DATA), PERSONAL INJURY, OR PROPERTY DAMAGE ARISING FROM OR RELATING TO: (A) YOUR USE OR INABILITY TO USE PMG WEBSITES OR THEIR CONTENT; (B) ANY PRODUCTS, SERVICES, OR INFORMATION OBTAINED THROUGH PMG WEBSITES; OR (C) ANY UNAUTHORIZED ACCESS TO OR USE OF YOUR INFORMATION. IN NO EVENT SHALL PMG’S TOTAL LIABILITY TO YOU EXCEED THE LESSER OF (1) THE AMOUNT YOU PAID TO ACCESS OR PARTICIPATE IN ANY ACTIVITY RELATED TO A PMG WEBSITE, OR (2) ONE HUNDRED DOLLARS ($100.00).

6. Indemnification

You agree to indemnify, defend, and hold harmless Packard Management Group, its officers, directors, employees, agents, and affiliates from and against any and all claims, losses, damages, liabilities, and expenses (including attorneys’ fees) arising from your use of the Websites or any violation of this Policy.

7. Governing Law and Venue

This Policy shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict-of-law provisions. The exclusive venue for any disputes arising under or related to this Policy shall be in the County of San Diego, California, and you hereby consent to the jurisdiction of such courts.

8. Changes to This Policy

PMG reserves the right to modify or update this Policy at any time without prior notice. The updated Policy will be posted on this page with a new effective date. Continued use of our Websites after any changes constitutes acceptance of the revised terms.

PRIVACY POLICY

1. Information We Collect

PMG may collect the following categories of information when you use our Websites: Personal Information: Name, address, email, phone number, and community association affiliation. Payment Information: When applicable, billing and payment details processed through third-party providers. Technical Information: IP address, browser type, operating system, referring URLs, and site usage analytics. Communication Data: Messages, inquiries, or forms you submit through the site. We do not sell or share your personal information for marketing purposes.

2. How We Use Your Information

PMG uses collected data to provide, manage, and improve our services; respond to your inquiries and customer service requests; process payments through secure, third-party systems; communicate community updates or notices (when applicable); ensure website functionality and security; and comply with applicable laws and regulations.

3. Cookies and Tracking

PMG Websites may use cookies or similar technologies to enhance your user experience, remember preferences, and analyze traffic. You can adjust your browser settings to refuse cookies, but certain site features may not function properly without them.

4. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, disclosure, or misuse. However, no internet transmission or storage system is completely secure, and we cannot guarantee absolute security.

5. Access and Control Over Your Information

California residents may exercise their rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), including requesting access to or deletion of personal information, opting out of certain data sharing, or requesting correction of inaccurate data. To make a privacy request, please contact us at info@packard-1.com or by mail at the address listed below.

6. Third-Party Links

PMG Websites may contain links to external websites not controlled by us. We are not responsible for the privacy practices or content of any third-party sites. We encourage you to review their privacy policies before providing any personal information.

7. Contact Information

If you have any questions about this Policy, your information, or your rights under California law, please contact:

Packard Management Group

8775 Aero Dr. Ste 335,

San Diego, CA 92123.

PH: 858-277-4305

Email: info@packard-1.com