Terms of Service

Norton Consulting LLC (Pat Norton Consulting)

Effective Date: March 6th, 2026

Welcome to https://patnortonconsulting.com (the “Site”), operated by Norton Consulting LLC, doing business as Pat Norton Consulting (“we,” “us,” or “our”). By accessing or using this Site or any of our services, you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, please do not use the Site.

1. Services

Norton Consulting LLC provides insurance consulting, coaching, and related professional services. The information and content on this Site are for general informational purposes only and do not constitute professional advice. Any consulting or coaching engagement is subject to a separate agreement between you and Norton Consulting LLC.

2. Eligibility

You must be at least 18 years of age to use this Site or opt in to any of our services or communications. By using the Site, you represent and warrant that you meet this age requirement.

3. Use of the Site

You agree to use this Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates any applicable federal, state, local, or international law or regulation.
• Attempt to gain unauthorized access to any portion of the Site, other accounts, computer systems, or networks connected to the Site.
• Use the Site to transmit any advertising or promotional material without our prior written consent.
• Engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Site.
• Introduce any viruses, malware, or other harmful material to the Site.

4. Intellectual Property

All content on this Site — including text, graphics, logos, images, and software — is the property of Norton Consulting LLC or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on this Site without our prior written permission.

5. SMS/Text Messaging Terms

By opting in to receive SMS/text messages from Norton Consulting LLC (Pat Norton Consulting), you agree to the following:

• Message Types: You may receive appointment confirmations, coaching session reminders, program updates, and promotional messages related to our insurance consulting and coaching services.
• Opt-Out: You can opt out at any time by replying STOP or OUT to any message. After opting out, you will receive a confirmation message and no further messages will be sent.
• Message & Data Rates: Message and data rates may apply. Message frequency varies. Please contact your carrier for details about your text messaging plan.
• Carrier Liability: Carriers are not liable for delayed or undelivered messages. Norton Consulting LLC is not responsible for any delays, failures, or errors in message delivery.
• Age Requirement: You must be at least 18 years of age to opt in to receive SMS messages from Norton Consulting LLC.
• Support: For help, reply HELP to any message or contact us at pat@patnortonconsulting.com.

6. Third-Party Links

This Site may contain links to third-party websites or services that are not owned or controlled by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that we are not responsible or liable for any damage or loss caused by or in connection with the use of any third-party site.

7. Disclaimer of Warranties

THE SITE AND ALL CONTENT, SERVICES, AND INFORMATION PROVIDED THROUGH IT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, NORTON CONSULTING LLC DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NORTON CONSULTING LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE SHALL NOT EXCEED THE AMOUNT YOU PAID TO US, IF ANY, DURING THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

9. Indemnification

You agree to indemnify, defend, and hold harmless Norton Consulting LLC, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or relating to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in Texas.

11. Changes to These Terms

We reserve the right to modify these Terms at any time. When we do, we will revise the “Effective Date” at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect.

13. Contact Us

If you have any questions about these Terms of Service, please contact us at:

Norton Consulting LLC d/b/a Pat Norton Consulting Email: pat@patnortonconsulting.com Website: https://patnortonconsulting.com