Terms of Service

These Terms of Service govern your use of the website located at
filingbankruptcymemphis.com and any related services provided by Arthur Ray
Law Offices.

By accessing filingbankruptcymemphis.com, you agree to abide by these Terms
of Service and to comply with all applicable laws and regulations. If you do
not agree with these Terms of Service, you are prohibited from using or
accessing this website or using any other services provided by Arthur Ray
Law Offices.

We, Arthur Ray Law Offices, reserve the right to review and amend any of
these Terms of Service at our sole discretion. Upon doing so, we will update
this page. Any changes to these Terms of Service will take effect
immediately from the date of publication.

These Terms of Service were last updated on April 30, 2026.

Limitations of Use

By using this website, you warrant on behalf of yourself, your users, and
other parties you represent that you will not:

• modify, copy, prepare derivative works of, decompile, or reverse engineer
  any materials and software contained on this website;
• remove any copyright or other proprietary notations from any materials and
  software on this website;
• transfer the materials to another person or “mirror” the materials on any
  other server;
• knowingly or negligently use this website or any of its associated
  services in a way that abuses or disrupts our networks or any other
  service Arthur Ray Law Offices provides;
• use this website or its associated services to transmit or publish any
  harassing, indecent, obscene, fraudulent, or unlawful material;
• use this website or its associated services in violation of any applicable
  laws or regulations;
• use this website in conjunction with sending unauthorized advertising or
  spam;
• harvest, collect, or gather user data without the user’s consent; or
• use this website or its associated services in such a way that may
  infringe the privacy, intellectual property rights, or other rights of
  third parties.

Intellectual Property

The intellectual property in the materials contained in this website are
owned by or licensed to Arthur Ray Law Offices and are protected by
applicable copyright and trademark law. We grant our users permission to
download one copy of the materials for personal, non-commercial transitory
use.

This constitutes the grant of a license, not a transfer of title. This
license shall automatically terminate if you violate any of these
restrictions or the Terms of Service, and may be terminated by Arthur Ray
Law Offices at any time.

User-Generated Content

You retain your intellectual property ownership rights over content you
submit to us for publication on our website. We will never claim ownership
of your content, but we do require a license from you in order to use it.

When you use our website or its associated services to post, upload, share,
or otherwise transmit content covered by intellectual property rights, you
grant to us a non-exclusive, royalty-free, transferable, sub-licensable,
worldwide license to use, distribute, modify, run, copy, publicly display,
translate, or otherwise create derivative works of your content in a manner
that is consistent with your privacy preferences and our Privacy Policy.

The license you grant us can be terminated at any time by deleting your
content. However, to the extent that we (or our partners) have used your
content in connection with commercial or sponsored content, the license will
continue until the relevant commercial or post has been discontinued by us.

SMS/MMS Communications

Arthur Ray Law Offices may send SMS and/or MMS communications for
promotional, conversational, and informational purposes, but only with the
prior express consent of the recipient.

Consent to Communications

When you opt-in to receive SMS/MMS communications from Arthur Ray Law
Offices, you expressly consent to Arthur Ray Law Offices sending you SMS
and/or MMS messages for the purposes described in “SMS/MMS Communications”.
Arthur Ray Law Offices does not charge any fees for these messages; however,
message and data rates may apply, as determined by your mobile carrier.

Our Use of Automated Dialling Technologies

Arthur Ray Law Offices may use an automatic telephone Dialling system
(“ATDS”) or other automated technologies to send you SMS and/or MMS messages
for the purposes described in “SMS/MMS Communications”. By providing your
consent, you acknowledge and agree to receive such communications delivered
through automated technologies.

Opting Out of SMS/MMS Communications

To opt out of SMS communications at any time, reply with “STOP” or
“UNSUBSCRIBE” to any SMS/MMS message we send you. If you unsubscribe from
receiving text messages, there may be a short delay while Arthur Ray Law
Offices processes your request(s). During this time, you may continue to
receive SMS communications from us. For assistance with opting out of SMS
communications, please contact us at Arthur Ray
https://www.filingbankruptcymemphis.com.

Liability

Our website and the materials on our website are provided on an ‘as is’
basis. To the extent permitted by law, Arthur Ray Law Offices makes no
warranties, expressed or implied, and hereby disclaims and negates all other
warranties including, without limitation, implied warranties or conditions
of merchantability, fitness for a particular purpose, or non-infringement of
intellectual property, or other violation of rights.

In no event shall Arthur Ray Law Offices or its suppliers be liable for any
consequential loss suffered or incurred by you or any third party arising
from the use or inability to use this website or the materials on this
website, even if Arthur Ray Law Offices or an authorized representative has
been notified, orally or in writing, of the possibility of such damage.

In the context of this agreement, “consequential loss” includes any
consequential loss, indirect loss, real or anticipated loss of profit, loss
of benefit, loss of revenue, loss of business, loss of goodwill, loss of
opportunity, loss of savings, loss of reputation, loss of use and/or loss or
corruption of data, whether under statute, contract, equity, tort (including
negligence), indemnity or otherwise.

Because some jurisdictions do not allow limitations on implied warranties,
or limitations of liability for consequential or incidental damages, these
limitations may not apply to you.

Accuracy of Materials

The materials appearing on our website are not comprehensive and are for
general information purposes only. Arthur Ray Law Offices does not warrant
or make any representations concerning the accuracy, likely results, or
reliability of the use of the materials on this website, or otherwise
relating to such materials or on any resources linked to this website.

Links

Arthur Ray Law Offices has not reviewed all of the sites linked to its
website and is not responsible for the contents of any such linked site. The
inclusion of any link does not imply endorsement, approval or control by
Arthur Ray Law Offices of the site. Use of any such linked site is at your
own risk and we strongly advise you make your own investigations with
respect to the suitability of those sites.

Right to Terminate

We may suspend or terminate your right to use our website and terminate
these Terms of Service immediately upon written notice to you for any breach
of these Terms of Service.

Severance

Any term of these Terms of Service which is wholly or partially void or
unenforceable is severed to the extent that it is void or unenforceable. The
validity of the remainder of these Terms of Service is not affected.

Governing Law

These Terms of Service are governed by and construed in accordance with the
laws of Memphis, TN. You irrevocably submit to the exclusive jurisdiction of
the courts in that State or location.