1. Definitions

• “We,” “us,” “our” refers to Mission Bay Fiduciary.
• “You,” “your,” “user” means any person or entity accessing the Site.
• “Content” means all materials on the Site including text, images, videos, and more.
• “Services” refers to fiduciary, estate, trust, or administrative services provided.

2. Acceptance & Changes to Terms

By using this Site, you agree to these Terms. We may revise them at any time and will update the “Last Updated” date above.

3. Use of the Site

• You must be at least 18 years old to use this Site.
• Use must comply with all applicable laws.
• Prohibited activities include unlawful content, hacking, scraping, impersonation, and spamming.

4. Intellectual Property

All Site content is the property of Mission Bay Fiduciary or its licensors. You may not reproduce, redistribute, or commercially use content without prior permission.

5. Disclaimers & Limitations of Liability

The Site is provided “as is.” We make no warranties and disclaim liability for any indirect or consequential damages. Our maximum liability is limited to fees you’ve paid us in the last 12 months, if any.

6. Third‑Party Links & Content

We are not responsible for third-party websites linked on our Site. Use them at your own risk.

7. Indemnification

You agree to indemnify and hold Mission Bay Fiduciary harmless against any claims arising from your use of the Site or violation of these Terms.

8. Termination

We may suspend or terminate your access to the Site for any reason. Upon termination, all rights granted under these Terms are revoked.

9. Governing Law & Dispute Resolution

These Terms are governed by California law. Disputes must be resolved in courts located in San Diego County, California. Both parties waive jury trial rights.

10. Notices

Send notices to:

11. Severability & Waiver

If any provision is held invalid, the remainder still applies. Failure to enforce any right will not waive it.

12. Entire Agreement

These Terms are the entire agreement between you and us regarding the Site.