1. Introduction

PeerPact, Ltd (a Delaware company) doing business as PeerPact Expats operates the PeerPact Expats website and related services. By accessing or using our website, communications, or services you agree to these Terms and Conditions. If you do not agree, do not use our services.

2. Scope of Services

PeerPact Expats provides facilitation, coordination, referrals, and information for services that include, without limitation:

• Certified translations (available in 30+ countries)

• Apostille and document legalization coordination

• Virtual mailbox and mail forwarding referrals

• Recommendations to financial service providers and international credit card guidance

• Health insurance referrals

• FBI Summary Identity Check coordination

• Immigration services support and referrals

Services may be provided directly by PeerPact or by independent third-party providers. PeerPact acts primarily as a facilitator and referral platform; the specific terms, fees, and performance of third-party providers are governed by those providers’ agreements.

3. User Responsibilities

When using PeerPact services you agree to:

• Provide complete, accurate, and lawful information and documentation.

• Use services only for lawful, authorized purposes.

• Review and accept the terms, fees, and privacy policies of any third-party provider before engaging them.

• Acknowledge that PeerPact does not guarantee immigration, legal, or financial outcomes.

4. Payments, Fees, and Refunds

• Fees for PeerPact services and third-party services will be disclosed before payment.

• Payments are processed through selected payment partners; you are responsible for any bank fees, transfer fees, or exchange rate differences.

• Refunds are evaluated case-by-case and may be subject to administrative fees and applicable third-party refund policies. Disputes over third-party refunds must be directed to the relevant third-party provider.

5. Third-Party Providers and Acknowledgement

• Many services are delivered by independent third-party providers. PeerPact makes reasonable efforts to recommend reputable partners but does not control their operations, schedules, pricing, or legal compliance.

• You accept and agree that PeerPact is not responsible for the acts, omissions, service quality, delays, errors, or non-performance of any third party.

• Any claim, dispute, or complaint arising from goods or services provided by a third party must be raised directly with that provider.

6. Limitation of Liability; Release

• To the maximum extent permitted by applicable law, PeerPact, Ltd (DBA PeerPact Expats) shall not be liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages (including loss of profits, business interruption, or loss of data) arising out of or related to your use of the website or services, whether in contract, tort (including negligence), strict liability, or any other legal theory.

• Except where prohibited by law, PeerPact’s total aggregate liability for any claim arising from or relating to these Terms is limited to the total amount you actually paid to PeerPact, Ltd for the specific service giving rise to the claim during the twelve (12) months immediately preceding the event.

• You hereby release, waive, and discharge PeerPact, Ltd from liability for losses, damages, delays, costs, or expenses arising from third-party services, to the fullest extent permitted by law. Nothing in these Terms limits liability that cannot be limited under applicable law.

7. Indemnification

You agree to indemnify, defend, and hold harmless PeerPact, Ltd (DBA PeerPact Expats), its officers, directors, employees, agents, and affiliates from and against any claim, loss, liability, damage, cost, or expense (including reasonable attorneys’ fees) arising out of or related to:

• Your breach of these Terms;

• Your negligence or willful misconduct;

• Your use of services or dealings with third-party providers; or

• Your violation of applicable laws or the rights of any third party.

8. Privacy and Data Sharing

We process personal information as described in our Privacy Policy. By requesting services, you consent to PeerPact sharing necessary personal data with third-party providers to fulfill those services. PeerPact is not responsible for third-party handling of your data beyond what is required to deliver the requested service.

9. Intellectual Property

All website content, branding, logos, workflows, templates, and materials are owned or licensed by PeerPact, Ltd. You may not copy, reproduce, distribute, or create derivative works without prior written permission.

10. Modifications to Services and Terms

PeerPact may modify, suspend, or discontinue any service, and may update these Terms at any time. Updated Terms will be posted with a revised Effective Date. Continued use of services after changes are posted constitutes acceptance of the updated Terms.

11. Governing Law and Dispute Resolution

These Terms and any dispute arising from or relating to them are governed by the laws of the State of Delaware without regard to conflict of law principles. You and PeerPact consent to the exclusive jurisdiction of the state and federal courts located in Delaware for any dispute not resolved informally. To the fullest extent permitted by law, both parties waive the right to a jury trial.

12. Severability and Waiver

If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full force. Failure by PeerPact to enforce any right or provision does not constitute a waiver of that right.

13. Contact Information

For questions, notices, or legal concerns regarding these Terms contact:
PeerPact, Ltd (DBA PeerPact Expats)

Legal Address: 131 Continental Dr, Suite 305, Newark, Delaware 19713

Mailing Address: 18117 Biscayne Blvd PMB 63430, Aventura, Florida 33160

Email: support@peerpactexpats.com
Website: www.peerpactexpats.com