Privacy Policy

 Privacy Policy

Effective Date: 04/15/2025

Pharus Lucis Management LLC (“we,” “us,” or “our”) respects your privacy and is committed to protecting your personal data. This Privacy Policy explains how we collect, use, and protect your information when you interact with us.

1. Information We Collect

We may collect the following types of information:
• Personal Information: Name, email address, phone number, billing information, and other details you provide.
• Non-Personal Information: Browser type, device information, IP address, and website usage data through cookies and tracking technologies.

2. How We Use Your Information

We use your information to:
• Provide and improve our services.
• Respond to inquiries or customer support requests.
• Process payments and manage transactions.
• Send updates, newsletters, or promotional materials (with your consent).
• Comply with legal obligations or enforce our terms.

3. Sharing Your Information

We do not sell your information. However, we may share it with:
• Service Providers: Third parties who assist us in running our business (e.g., payment processors, marketing platforms).
• Legal Obligations: If required by law or to protect our legal rights.

4. Cookies and Tracking

We use cookies and similar technologies to improve your experience. You can manage or disable cookies through your browser settings.

5. Your Rights

Depending on your location, you may have rights to:
• Access, correct, or delete your personal data.
• Opt-out of marketing communications.
• Restrict data processing or request data portability.

6. Security

We implement reasonable measures to protect your data. However, no method of transmission or storage is completely secure, so we cannot guarantee absolute security.

7. Third-Party Links

Our website may include links to third-party sites. We are not responsible for their privacy practices.

8. Changes to This Privacy Policy

We may update this policy periodically. The “Effective Date” at the top indicates the latest version.

9. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us:
• Email: [Insert Email Address]
• Phone: [Insert Phone Number]

Terms and Conditions

Effective Date: [Insert Date]

Welcome to Pharus Lucis Management LLC! These Terms and Conditions govern your access to and use of our website and services. By using our website, you agree to these terms.

1. Acceptance of Terms

By accessing or using our website or services, you agree to comply with these Terms and Conditions. If you do not agree, please do not use our services.

2. Services Offered

Pharus Lucis Management LLC provides [insert a brief description of services, e.g., credit consulting, business funding assistance, staffing, etc.].

3. User Responsibilities

You agree to:
• Provide accurate and complete information when requested.
• Use our services for lawful purposes only.
• Not copy, modify, or redistribute our content without prior written consent.

4. Payments and Refunds
• All payments for services must be made in accordance with the terms provided at the time of purchase.
• Refunds are subject to our Refund Policy [insert link or specify terms].

5. Intellectual Property

All content, trademarks, and materials on our website are owned by or licensed to Pharus Lucis Management LLC. You may not use them without our explicit consent.

6. Limitation of Liability

To the fullest extent permitted by law:
• We are not liable for any indirect, incidental, or consequential damages arising from your use of our services.
• Our total liability is limited to the amount you paid for our services.

7. Termination

We reserve the right to suspend or terminate your access to our website or services if you violate these terms.

8. Governing Law

These Terms and Conditions are governed by the laws of [Insert State/Region]. Any disputes shall be resolved in [Insert Location].

9. Changes to Terms

We may update these Terms and Conditions periodically. The “Effective Date” at the top indicates the latest version.

10. Contact Us

If you have any questions about these Terms and Conditions, please contact us:
• Email: info@pharuslucis.com
• Phone: 877-747-4275