By accessing this website and engaging with the services of PRA (“we,” “our,” or “us”), you agree to the following terms and conditions. Please read them carefully.

1. Nature of Services

PRA is an independent appointment scheduling service. We are not a law firm, financial institution, or licensed advisor, and we do not provide legal, financial, or tax advice. Our role is limited to connecting individuals with third-party service providers for the purpose of scheduling consultations.

Any information provided by PRA or its representatives is for scheduling and informational purposes only. Final decisions and actions taken in response to your consultation are solely your responsibility and that of the service provider with whom you engage.

2. No Guarantee of Results

PRA does not and cannot guarantee any particular outcome from your consultation or services provided by the third-party professionals we connect you with. We do not make promises or assurances regarding the resolution of debt, contracts, or other matters discussed during your appointment.

3. Communication Consent

By providing your contact information, you consent to receive communication from PRA via phone calls, text messages, and emails regarding your appointment. You may opt out of text messages by replying STOP, and opt out of emails by clicking the unsubscribe link or contacting us directly.

4. Third-Party Service Providers

The service providers to whom we refer clients are independent entities and not employees, agents, or affiliates of PRA. We do not control or oversee the practices, terms, or services offered by these providers. PRA is not responsible or liable for any interactions, services, advice, or outcomes related to your engagement with a third-party provider.

5. Limitation of Liability

To the maximum extent permitted by law, PRA shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of this website or your interaction with any third-party service provider.

6. Modifications to These Terms

PRA reserves the right to update or modify these Terms and Conditions at any time without prior notice. Changes will be posted on this page, and continued use of the website or our services constitutes your acceptance of the revised terms.

7. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the State of Missouri, without regard to its conflict of law principles.