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Terms & Conditions

Payments Term and Conditions

ARECA FINANCIAL SERVICES, INC. ("ARECA") operates the website and other websites in which a copy of these terms of use appears (cumulatively the "ARECA Sites") as a service for its customers residing in the United States of America. America, its territories and possessions ("USA") and in foreign countries or states.

1. User eligibility
The ARECA Sites are available only to customers who are over 18 years of age and can establish legally binding agreements and, if you do not qualify, do not use the ARECA Sites. If you access the ARECA sites from outside the United States, you do so at your own risk and are responsible for complying with the laws and regulations of your access territory. Special note about children: The ARECA Sites are not designed for use by children under the age of 18 and, therefore, children under the age of 18 should not use the ARECA Sites. If you have children under the age of 18, you should not allow those children to use the ARECA Sites and you should always control your children's Internet use. You must inform your children that providing information about them through the Internet could be dangerous.

2. Ownership and permitted use of ARECA sites and their content
ARECA provides the ARECA Sites and their contents for information, education and purchases. Please feel free to browse the ARECA Sites. However, you must take into account that all information, content and other materials contained in the ARECA Sites, including texts, trademarks, written material, commercial image, catalogs, technical information and advertisements (all "Content") are proprietary. exclusively from ARECA, or its licensors or other third parties. Such Content is protected by the copyright and other laws of the United States and by the provisions of international treaties and any unauthorized use of this Content by you may be subject to civil and criminal penalties. The ownership of all content is retained by ARECA. You can view, download and print the material displayed on the ARECA Sites for your personal and non-commercial use, as long as you retain all copyrights, trademarks and other proprietary notices contained in the materials.

3. Certain restrictions of use
It should not:

  • distribute, retransmit, republish, reuse, republish or use the contents of the ARECA Sites for public or commercial purposes, without the prior written permission of ARECA.

  • Alter, modify, frame or "mirror" any content on the ARECA Sites

  • Link to the ARECA sites;

  • Use any data extraction tool, robots or similar data collection and extraction tools in connection with the ARECA Sites;

  • remove or alter any copyright or other proprietary notices contained in the Content;

  • Do not enter or upload on the Sites of ARECA any information or computer code intended to damage, interfere, alter, intercept or expropriate any information or system, or that infringes the intellectual property rights of ARECA or third parties.

  • Inappropriate uploads and entries include, but are not limited to, the following: Trojan horses, worms, time bombs, cancellation boats, and other unauthorized computer programming routines;

  • Not publish or transmit any illegal, threatening, obscene, defamatory or offensive material to the ARECA Sites; or participate in any type of harassment activity through the ARECA Sites.

4. Errors in the ARECA sites
ARECA shall have no liability for errors of any kind on the ARECA Sites or on any linked Website. Errors can include incorrect descriptions of products and services, incorrect information about the availability of specific products, typographical errors and outdated information, with the result that descriptions of products and services, information on product availability, pricing information and descriptions Promotional offers or other information may not be complete, current or accurate.

In addition, errors may occur in complying with a request or order placed by you if the request or request is based on incorrect information. ARECA reserves the right to update or change the information and correct any error, inaccuracy or other error at any time. The sole and exclusive remedy of a customer if an item purchased by the customer of the ARECA Sites does not meet the description set forth on the ARECA Sites is to return the item, in an unused condition, to ARECA to obtain a refund of the price. of purchase and, at the exclusive discretion of ARECA, the shipping costs paid by the customer. However, the customer is responsible for the shipping costs to return the unwanted item to ARECA. Because the actual colors and "looks" you see on the ARECA Sites will depend on your monitor and other technical factors, ARECA can not guarantee that the video display of any product information or other information is accurate at any time. .

The price of each product and service will only be confirmed by ARECA after the submission of an order by a customer. The prices provided on the ARECA Sites are subject to change without notice and may or may not include shipping and handling or any sales tax or applicable fees. In the event that ARECA discovers an error of any kind in the information of prices or products and services, ARECA reserves the right to, at the sole discretion of ARECA, (i) cancel any order related to said errors or information errors of products and services, (ii) before sending the product or performing the service for the customer, notify the customer of the error and wait for the client's instructions on whether or not to continue with the order in light of the error, or (iii) If a price error is involved, and a price error favors the customer, send the product to the customer at the wrong price for the benefit of the customer. The products and services described on the ARECA Sites are available only for the duration of the supplies, and ARECA reserves the right to interrupt the offer or sale of any product or service at any time, without prior notice.

5. Comments and shipments to ARECA sites
ARECA appreciates your comments about the products and services offered on the ARECA Sites. From time to time you may be given the opportunity to respond to surveys and provide comments on (i) the unique ARECA website and (ii) the ARECA sites in general. Understand that all questions, comments, testimonials, comments, responses to surveys, suggestions or similar material disclosed, posted or published by you on the ARECA Sites or through comments and survey opportunities offered by ARECA or third parties will be considered non-existent. shared, confidential, non-proprietary and non-personal to you or to anyone else, and ARECA, its affiliates and third parties may collect comments and responses for any purpose, including, but not limited to, products under development, manufacturing or marketing. In addition, by disclosing, submitting or posting material on the ARECA Sites, you grant ARECA a non-exclusive, worldwide, royalty-free, perpetual, irrevocable and fully-licensed right to use, reproduce, modify, edit, publish, translate , rework, distribute and display that material without compensation or recognition of the source.

Therefore, you should not send ARECA creative ideas, original materials, suggestions, marketing plans or other information that you would like to keep confidential or for which you want recognition or compensation. Additional terms and conditions may apply in relation to certain types of presentations (for example, testimonials, sweepstakes or contest entries). If applicable, these additional terms and conditions will be established where you send the information or in a link adjacent to the place where you send the information. You must review all additional terms and conditions carefully before submitting material to the ARECA Sites.

By submitting material to the ARECA Sites, you represent and warrant that you own or control the rights to your submission and that it does not contain software viruses, spiders, spybots, commercial requests, chain letters, bulk emails or any form of spam . In addition, you understand that you can not use a false name, impersonate a person or entity, or mislead ARECA in any way regarding the origin of any shipment. You agree to indemnify ARECA for all claims against you that arise or are related to your shipment (s).

6. Disclaimer of warranty responsibility

Without limiting the foregoing, ARECA does not offer any guarantee: (a) that there will be no interference with your enjoyment of the ARECA Sites or the linked Websites; (b) that the Content provided on the ARECA Sites or Linked Websites will serve a particular purpose or need; (c) that the Content provided on the ARECA sites or linked websites is complete, reliable or accurate; (d) that any request or request made by you to the ARECA Sites or Linked Websites will be respected in accordance with your programming or any established program; (e) that the ARECA sites or linked websites will comply with any specification, requirements or expectations; (f) that the ARECA sites or linked websites will be uninterrupted, timely, secure or error-free; (g) that the results obtained from the use of the ARECA sites or linked websites will be accurate and reliable; (h) any errors in the content of the ARECA sites or linked websites will be corrected; (i) that the materials on the ARECA sites or linked websites are appropriate or available for use at any particular location; or (j) that the products or services displayed or referenced in the ARECA sites or linked websites are available for use at any particular location. You assume full responsibility and risk for your use of the ARECA Sites and any linked Website.

Any material downloaded or otherwise obtained through the use of the ARECA Sites or linked Website will be obtained in this way at your own discretion and risk. ARECA will not be responsible for any damage to your computer system or loss of data resulting from obtaining any material from the ARECA Sites or from any linked Website. You assume the total cost of repairs, corrections or services of the products you order on the ARECA Sites or on any linked Website.

7. Limitation of liability
ARECA will not be liable under any theory (including negligence) for any incidental, consequential, indirect, special, loss or punitive damages that arise from your access or use of the ARECA Sites, even if ARECA has been informed of the possibility of such damages.

8. Fulfillment of the order
ARECA reserves the right, in its sole discretion, without prior notice and for any reason, including, among others, the lack of availability of the products, to deny an order or refuse to fulfill an order in whole or in part. In addition, ARECA will not be liable to you or any third party for said rejection.

9. Termination
ARECA may, at its sole discretion, terminate your use of the ARECA Sites or your rights under these terms of use for any reason, without prior notice. At its sole discretion, and at any time, ARECA may also interrupt the supply of the ARECA Sites or any part or part, with or without prior notice. ARECA will not be liable to you or to third parties for any of the above situations. Sections 1-14 will survive the expiration or termination of these terms of use.

10. Links
The ARECA Sites may from time to time display links to other websites or resources sponsored by third parties for their convenience (such third party sites are known as "Linked Websites"). ARECA has no control over the linked websites and will not be responsible for the availability of the linked websites or their content. Access to linked websites is at your own risk. Third-party websites (and any linked websites) may also contain inaccurate, incomplete or outdated information. ARECA does not endorse or offer any guarantees regarding the owners or the content of the linked websites, including any linked website of any joint venture or other company related to ARECA.

11. Others
These terms of use shall be governed by the laws of the State of Illinois, as they apply to contracts entered into between Illinois residents and those made in Illinois. Any action or proceeding arising out of these terms or your use of this site will be subject to binding arbitration according to the rules established by the American Arbitration Association.

Any action or proceeding of this type will be carried out individually and will not be consolidated with any dispute of any other party. You may not use, export or re-export the materials on this site or any copy or adaptation that violates applicable laws or regulations, including, but not limited to, the export laws and regulations of the United States.

If any provision of these terms of use is considered illegal, void or for any reason not required, said provision will be considered separable and will not affect the validity and enforceability of the remaining provisions. These terms of use constitute the entire agreement between you and ARECA in relation to the use of the ARECA Sites, substituting any other agreement between you and ARECA with respect to the subject matter of these terms of use. The headings of the sections in these terms of use are for convenience only and have no legal or contractual effect. If any provision of these terms of use can not be enforced, the other provisions will remain in full force and effect.

12. Amendments
ARECA reserves the right, in its sole discretion, to revise, change or modify the Terms of Use and the ARECA Privacy Policy at any time by updating this publication. Your continued use of the ARECA Sites after the posting of the changes to these terms of use and the Privacy Policy means that you accept those changes. Therefore, you must review these terms of use and the Privacy Policy from time to time by visiting the ARECA Sites.

13. Updates and changes to policies
ARECA may change its terms of use policies from time to time by publishing updated versions of the terms here. Because we can make changes to these terms at any time without notifying you, we suggest that you review them each time you access or use the ARECA Sites.

14. Privacy
Review our Privacy Policy to understand our practices.

15. Contact information
If you have questions about the ARECA Terms of Use, you can contact us at

Note: If you are the owner of intellectual property and believe that your intellectual property has been published or distributed incorrectly through these ARECA Sites, notify ARECA immediately at

Effective March 30, 2021.

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