Terms of Service | South Jersey Professional Solutions℠ - Notary & Paralegal Services
    
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<style>
    :root {
        --primary-navy: #002147;
        --secondary-navy: #003366;
        --primary-gold: #B4975A;
        --secondary-gold: #D4B36A;
        --bg-light: #f8f9fa;
        --text-dark: #2c3e50;
        --text-muted: #6c757d;
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    body {
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        line-height: 1.6;
        color: var(--text-dark);
        background-color: #ffffff;
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    /* Emergency Banner */
    .emergency-banner {
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        color: white;
        padding: 8px 0;
        font-size: 14px;
        font-weight: 500;
        text-align: center;
        position: sticky;
        top: 0;
        z-index: 1030;
        box-shadow: 0 2px 4px rgba(0,0,0,0.1);
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    .emergency-banner a {
        color: white;
        text-decoration: none;
        font-weight: 600;
    }

    .emergency-banner a:hover {
        text-decoration: underline;
    }

    /* Navigation */
    .navbar {
        background: var(--primary-navy) !important;
        padding: 1rem 0;
        box-shadow: 0 2px 10px rgba(0,0,0,0.1);
    }

    .navbar-brand {
        font-weight: 700;
        font-size: 1.5rem;
        color: white !important;
    }

    .navbar-nav .nav-link {
        color: rgba(255,255,255,0.9) !important;
        font-weight: 500;
        margin: 0 0.5rem;
        transition: all 0.3s ease;
    }

    .navbar-nav .nav-link:hover {
        color: var(--primary-gold) !important;
        transform: translateY(-1px);
    }

    .dropdown-menu {
        background: var(--secondary-navy);
        border: none;
        border-radius: 8px;
        box-shadow: 0 8px 25px rgba(0,0,0,0.15);
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    .dropdown-item {
        color: rgba(255,255,255,0.9);
        transition: all 0.3s ease;
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    .dropdown-item:hover {
        background: var(--primary-gold);
        color: white;
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    .btn-emergency {
        background: linear-gradient(135deg, #dc3545, #c82333);
        border: none;
        color: white;
        font-weight: 600;
        padding: 0.5rem 1.5rem;
        border-radius: 25px;
        transition: all 0.3s ease;
        text-decoration: none;
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    .btn-emergency:hover {
        transform: translateY(-2px);
        box-shadow: 0 5px 15px rgba(220, 53, 69, 0.4);
        color: white;
    }

    .btn-schedule {
        background: linear-gradient(135deg, var(--primary-gold), var(--secondary-gold));
        border: none;
        color: white;
        font-weight: 600;
        padding: 0.5rem 1.5rem;
        border-radius: 25px;
        transition: all 0.3s ease;
        text-decoration: none;
    }

    .btn-schedule:hover {
        transform: translateY(-2px);
        box-shadow: 0 5px 15px rgba(180, 151, 90, 0.4);
        color: white;
    }

    /* Hero Section */
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        background: linear-gradient(135deg, var(--primary-navy) 0%, var(--secondary-navy) 100%);
        color: white;
        padding: 4rem 0;
        position: relative;
        overflow: hidden;
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        right: 0;
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    .stat-label {
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        opacity: 0.8;
        margin-top: 0.5rem;
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    /* Terms Sections */
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        text-align: center;
        margin-bottom: 3rem;
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    .section-header h2 {
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        font-weight: 700;
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        border-radius: 15px;
        padding: 2rem;
        box-shadow: 0 5px 20px rgba(0,0,0,0.08);
        border: 1px solid rgba(0,0,0,0.05);
        height: 100%;
        transition: all 0.3s ease;
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        transform: translateY(-5px);
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    .terms-card h3 {
        color: var(--primary-navy);
        font-weight: 600;
        margin-bottom: 1.5rem;
        font-size: 1.3rem;
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        margin-right: 0.5rem;
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    .terms-card h4 {
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        font-weight: 600;
        margin: 1.5rem 0 1rem 0;
        font-size: 1.1rem;
    }

    .terms-card ul {
        padding-left: 1.2rem;
    }

    .terms-card li {
        margin-bottom: 0.5rem;
        line-height: 1.6;
    }

    .terms-card li strong {
        color: var(--primary-navy);
    }

    /* Highlight Boxes */
    .highlight-box {
        background: linear-gradient(135deg, var(--bg-light), #ffffff);
        border: 2px solid var(--primary-gold);
        border-radius: 15px;
        padding: 2rem;
        margin: 2rem 0;
        position: relative;
    }

    .highlight-box::before {
        content: '';
        position: absolute;
        top: -1px;
        left: -1px;
        right: -1px;
        bottom: -1px;
        background: linear-gradient(135deg, var(--primary-gold), var(--secondary-gold));
        border-radius: 15px;
        z-index: -1;
    }

    .highlight-box h4 {
        color: var(--primary-navy);
        font-weight: 600;
        margin-bottom: 1rem;
    }

    .highlight-box h4 i {
        color: var(--primary-gold);
        margin-right: 0.5rem;
    }

    /* Alert Boxes */
    .alert {
        border-radius: 10px;
        border: none;
        padding: 1rem 1.5rem;
    }

    .alert-warning {
        background: linear-gradient(135deg, #fff3cd, #ffeaa7);
        color: #856404;
        border-left: 4px solid #ffc107;
    }

    .alert-info {
        background: linear-gradient(135deg, #d1ecf1, #a8e6cf);
        color: #0c5460;
        border-left: 4px solid #17a2b8;
    }

    .alert-danger {
        background: linear-gradient(135deg, #f8d7da, #ffb3ba);
        color: #721c24;
        border-left: 4px solid #dc3545;
    }

    /* Tables */
    .terms-table {
        background: white;
        border-radius: 15px;
        overflow: hidden;
        box-shadow: 0 5px 20px rgba(0,0,0,0.08);
        margin: 2rem 0;
    }

    .terms-table table {
        margin-bottom: 0;
    }

    .terms-table thead {
        background: linear-gradient(135deg, var(--primary-navy), var(--secondary-navy));
        color: white;
    }

    .terms-table th {
        font-weight: 600;
        padding: 1rem;
        border: none;
    }

    .terms-table td {
        padding: 1rem;
        border-bottom: 1px solid rgba(0,0,0,0.05);
        vertical-align: top;
    }

    .terms-table tbody tr:hover {
        background-color: var(--bg-light);
    }

    /* Contact CTA */
    .terms-cta {
        background: linear-gradient(135deg, var(--primary-navy) 0%, var(--secondary-navy) 100%);
        color: white;
        padding: 4rem 0;
        position: relative;
        overflow: hidden;
    }

    .terms-cta::before {
        content: '';
        position: absolute;
        top: 0;
        left: 0;
        right: 0;
        bottom: 0;
        background: url('data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 1000 100" fill="rgba(255,255,255,0.05)"><polygon points="0,0 1000,0 1000,100 0,80"/></svg>');
        background-size: cover;
    }

    .btn-terms-primary {
        background: linear-gradient(135deg, var(--primary-gold), var(--secondary-gold));
        border: none;
        color: white;
        font-weight: 600;
        padding: 0.75rem 2rem;
        border-radius: 25px;
        transition: all 0.3s ease;
        text-decoration: none;
        display: inline-block;
    }

    .btn-terms-primary:hover {
        transform: translateY(-2px);
        box-shadow: 0 8px 25px rgba(180, 151, 90, 0.4);
        color: white;
    }

    .btn-terms-secondary {
        background: transparent;
        border: 2px solid white;
        color: white;
        font-weight: 600;
        padding: 0.75rem 2rem;
        border-radius: 25px;
        transition: all 0.3s ease;
        text-decoration: none;
        display: inline-block;
    }

    .btn-terms-secondary:hover {
        background: white;
        color: var(--primary-navy);
        transform: translateY(-2px);
    }

    /* Footer */
    footer {
        background: linear-gradient(135deg, var(--text-dark) 0%, #1a252f 100%);
        color: white;
    }

    footer h6 {
        color: var(--primary-gold);
        font-weight: 600;
        margin-bottom: 1rem;
        text-transform: uppercase;
        letter-spacing: 1px;
    }

    footer a {
        color: rgba(255,255,255,0.8);
        text-decoration: none;
        transition: all 0.3s ease;
    }

    footer a:hover {
        color: var(--primary-gold);
        transform: translateX(5px);
    }

    footer .badge {
        margin: 0.2rem;
        font-size: 0.75rem;
    }

    /* Responsive Design */
    @media (max-width: 768px) {
        .hero-section h1 {
            font-size: 2rem;
        }
        
        .hero-section .subtitle {
            font-size: 1rem;
        }
        
        .stat-number {
            font-size: 1.5rem;
        }
        
        .terms-card {
            margin-bottom: 2rem;
        }
        
        .section-header h2 {
            font-size: 2rem;
        }
    }

    @media (max-width: 576px) {
        .hero-section {
            padding: 2rem 0;
        }
        
        .terms-section {
            padding: 2rem 0;
        }
        
        .terms-card {
            padding: 1.5rem;
        }
    }

    /* Print Styles */
    @media print {
        .emergency-banner,
        .navbar,
        .terms-cta,
        footer {
            display: none !important;
        }
        
        .terms-card {
            box-shadow: none;
            border: 1px solid #ddd;
            break-inside: avoid;
        }
        
        body {
            font-size: 12pt;
            line-height: 1.4;
        }
        
        h1, h2, h3, h4 {
            color: black !important;
        }
    }
</style>




    
    
        
            
                
                24/7 Emergency Notary Services Available - Call 
                (877) 906-1157
            
        
    

<!-- Navigation -->
<nav class="navbar navbar-expand-lg navbar-dark">
    <div class="container">
        <a class="navbar-brand d-flex align-items-center" href="../index.html">
            <img src="../assets/images/logo.png" alt="South Jersey Professional Solutions℠" height="40" class="me-3">
            <span>South Jersey Professional Solutions℠</span>
        </a>
        
        <button class="navbar-toggler" type="button" data-bs-toggle="collapse" data-bs-target="#navbarNav">
            <span class="navbar-toggler-icon"></span>
        </button>
        
        <div class="collapse navbar-collapse" id="navbarNav">
            <ul class="navbar-nav me-auto">
                <li class="nav-item">
                    <a class="nav-link" href="../index.html">Home</a>
                </li>
                <li class="nav-item dropdown">
                    <a class="nav-link dropdown-toggle" href="#" role="button" data-bs-toggle="dropdown">
                        Services
                    </a>
                    <ul class="dropdown-menu">
                        <li><a class="dropdown-item" href="../services/index.html">All Services</a></li>
                        <li><a class="dropdown-item" href="../ron/index.html">RON Services</a></li>
                        <li><a class="dropdown-item" href="../emergency/index.html">Emergency Services</a></li>
                        <li><a class="dropdown-item" href="../business-packages/index.html">Business Packages</a></li>
                        <li><a class="dropdown-item" href="../services/loan-signings.html">Loan Signings</a></li>
                        <li><a class="dropdown-item" href="../services/document-prep.html">Document Preparation</a></li>
                    </ul>
                </li>
                <li class="nav-item dropdown">
                    <a class="nav-link dropdown-toggle" href="#" role="button" data-bs-toggle="dropdown">
                        Resources
                    </a>
                    <ul class="dropdown-menu">
                        <li><a class="dropdown-item" href="../resources/index.html">FAQ & Resources</a></li>
                        <li><a class="dropdown-item" href="../blog/index.html">Blog</a></li>
                        <li><a class="dropdown-item" href="../testimonials/index.html">Testimonials</a></li>
                    </ul>
                </li>
                <li class="nav-item">
                    <a class="nav-link" href="../about/index.html">About</a>
                </li>
                <li class="nav-item">
                    <a class="nav-link" href="../contact/index.html">Contact</a>
                </li>
            </ul>
            
            <div class="d-flex gap-2">
                <a href="tel:877-906-1157" class="btn btn-emergency btn-sm">
                    <i class="fas fa-phone me-1"></i>Emergency
                </a>
                <a href="https://calendly.com/notarypublicnj" target="_blank" class="btn btn-schedule btn-sm">
                    <i class="fas fa-calendar-alt me-1"></i>Schedule
                </a>
            </div>
        </div>
    </div>
</nav>

<!-- Hero Section -->
<section class="hero-section">
    <div class="container">
        <div class="hero-content text-center">
            <h1>Terms of Service</h1>
            <p class="subtitle">Clear terms and conditions for professional notary, RON, and paralegal services in South Jersey</p>
            
            <div class="row stats-row">
                <div class="col-md-3 col-6">
                    <div class="stat-item">
                        <span class="stat-number">24/7</span>
                        <div class="stat-label">Emergency Support</div>
                    </div>
                </div>
                <div class="col-md-3 col-6">
                    <div class="stat-item">
                        <span class="stat-number">$100K</span>
                        <div class="stat-label">E&O Insurance</div>
                    </div>
                </div>
                <div class="col-md-3 col-6">
                    <div class="stat-item">
                        <span class="stat-number">NNA</span>
                        <div class="stat-label">Certified</div>
                    </div>
                </div>
                <div class="col-md-3 col-6">
                    <div class="stat-item">
                        <span class="stat-number">3</span>
                        <div class="stat-label">Counties Served</div>
                    </div>
                </div>
            </div>
        </div>
    </div>
</section>

<main>
    <!-- Agreement to Terms -->
    <section class="terms-section">
        <div class="container">
            <div class="section-header">
                <h2>Agreement to Terms</h2>
                <p class="subtitle">By using our services, you agree to these terms and conditions</p>
            </div>
            
            <div class="row justify-content-center">
                <div class="col-lg-10">
                    <div class="terms-card">
                        <h3><i class="fas fa-handshake"></i>Acceptance of Terms</h3>
                        <p>These Terms of Service ("Terms") constitute a legally binding agreement between you ("Client," "you," or "your") and South Jersey Professional Solutions℠, a DBA of Notary Public NJ, LLC ("Company," "we," "us," or "our"). By engaging our services, scheduling appointments, or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms.</p>
                        
                        <h4>Effective Date and Updates</h4>
                        <ul>
                            <li><strong>Current Version:</strong> Effective May 27, 2025</li>
                            <li><strong>Updates:</strong> We may modify these Terms at any time with 30 days' notice</li>
                            <li><strong>Notification:</strong> Changes will be posted on our website and communicated via email</li>
                            <li><strong>Continued Use:</strong> Using our services after changes constitutes acceptance of new Terms</li>
                            <li><strong>Opt-Out:</strong> You may discontinue services if you disagree with any changes</li>
                        </ul>
                        
                        <h4>Business Information</h4>
                        <ul>
                            <li><strong>Legal Name:</strong> Notary Public NJ, LLC</li>
                            <li><strong>DBA:</strong> South Jersey Professional Solutions℠</li>
                            <li><strong>EIN:</strong> 99-4978385</li>
                            <li><strong>NJ Notary Commission:</strong> Valid through 5/1/2029</li>
                            <li><strong>SBE Certification:</strong> #A0500-53 (valid through 7/2/2029)</li>
                            <li><strong>Business Address:</strong> P.O. Box 445, Norma, NJ 08347</li>
                            <li><strong>Mailing Address:</strong> P.O. Box 445, Norma, NJ 08347</li>
                        </ul>
                        
                        <div class="alert alert-info">
                            <h6><i class="fas fa-info-circle me-2"></i>Important Notice</h6>
                            <p class="mb-0">These Terms apply to all services including mobile notarization, Remote Online Notarization (RON), emergency services, business packages, document preparation, and paralegal services.</p>
                        </div>
                    </div>
                </div>
            </div>
        </div>
    </section>

    <!-- Service Descriptions -->
    <section class="terms-section" style="background-color: var(--bg-light);">
        <div class="container">
            <div class="section-header">
                <h2>Service Descriptions & Scope</h2>
                <p class="subtitle">Detailed descriptions of all services offered</p>
            </div>
            
            <div class="row">
                <div class="col-lg-6 mb-4">
                    <div class="terms-card">
                        <h3><i class="fas fa-stamp"></i>Notary Public Services</h3>
                        <h4>Standard Notarization</h4>
                        <ul>
                            <li><strong>Document Types:</strong> Powers of attorney, healthcare directives, affidavits, contracts, deeds, and other legal documents</li>
                            <li><strong>Identity Verification:</strong> Government-issued photo ID required for all signers</li>
                            <li><strong>Witness Requirements:</strong> Notary serves as impartial witness to document signing</li>
                            <li><strong>Seal and Signature:</strong> Official notary seal and signature applied to documents</li>
                            <li><strong>Journal Records:</strong> All notarizations recorded in official notary journal</li>
                        </ul>
                        
                        <h4>Mobile Notary Services</h4>
                        <ul>
                            <li><strong>Service Area:</strong> Salem, Cumberland, and Gloucester Counties, NJ</li>
                            <li><strong>Travel Radius:</strong> Up to 30 miles from Pittsgrove, NJ</li>
                            <li><strong>Locations:</strong> Homes, offices, hospitals, nursing homes, correctional facilities</li>
                            <li><strong>Scheduling:</strong> Regular business hours and emergency availability</li>
                            <li><strong>Equipment:</strong> Portable notary supplies and secure document handling</li>
                        </ul>
                        
                        <h4>Loan Signing Services</h4>
                        <ul>
                            <li><strong>NNA Certification:</strong> Certified Signing Agent through 5/31/2026</li>
                            <li><strong>Document Types:</strong> Mortgage documents, refinances, HELOCs, reverse mortgages</li>
                            <li><strong>Title Company Coordination:</strong> Direct communication with title companies and lenders</li>
                            <li><strong>Document Review:</strong> Thorough review of loan packages for completeness</li>
                            <li><strong>Return Process:</strong> Secure return of documents to title companies</li>
                            <li><strong>Error Resolution:</strong> Quick resolution of any document issues</li>
                        </ul>
                    </div>
                </div>
                
                <div class="col-lg-6 mb-4">
                    <div class="terms-card">
                        <h3><i class="fas fa-laptop"></i>Remote Online Notarization (RON)</h3>
                        <h4>RON Platform and Technology</h4>
                        <ul>
                            <li><strong>Authorized Platform:</strong> BlueNotary RON platform</li>
                            <li><strong>Technology Requirements:</strong> Reliable internet, webcam, microphone for clients</li>
                            <li><strong>Identity Verification:</strong> Multi-factor authentication and knowledge-based questions</li>
                            <li><strong>Recording:</strong> All RON sessions are recorded and securely stored</li>
                            <li><strong>Legal Validity:</strong> RON documents have same legal standing as in-person notarization</li>
                        </ul>
                        
                        <h4>RON Process and Requirements</h4>
                        <ul>
                            <li><strong>Scheduling:</strong> Advance scheduling required for RON sessions</li>
                            <li><strong>Document Upload:</strong> Documents uploaded securely to RON platform</li>
                            <li><strong>Identity Verification:</strong> Enhanced ID verification process</li>
                            <li><strong>Witness Requirements:</strong> Additional witnesses may be required for certain documents</li>
                            <li><strong>Completion:</strong> Notarized documents delivered electronically</li>
                        </ul>
                        
                        <h4>Emergency Services</h4>
                        <ul>
                            <li><strong>24/7 Availability:</strong> Emergency notary services available around the clock</li>
                            <li><strong>EMT Background:</strong> Unique medical emergency expertise</li>
                            <li><strong>Healthcare Facilities:</strong> Specialized service for hospitals and nursing homes</li>
                            <li><strong>Correctional Facilities:</strong> Authorized notary services for inmates</li>
                            <li><strong>Response Time:</strong> Target 15-minute response for true emergencies</li>
                        </ul>
                    </div>
                </div>
                
                <div class="col-lg-6 mb-4">
                    <div class="terms-card">
                        <h3><i class="fas fa-briefcase"></i>Business Packages</h3>
                        <h4>General Business Packages</h4>
                        <ul>
                            <li><strong>Basic Package ($200/month):</strong> 10 signatures, 2 RON sessions, 2 document preparations, 1 free same-day service</li>
                            <li><strong>Premium Package ($375/month):</strong> Unlimited signatures, 4 RON sessions, 4 document preparations, VIP scheduling priority</li>
                            <li><strong>Contract Terms:</strong> Month-to-month or annual contracts available</li>
                            <li><strong>Rollover Policy:</strong> Unused services may roll over to following month (terms apply)</li>
                            <li><strong>Cancellation:</strong> 30-day notice required for cancellation</li>
                        </ul>
                        
                        <h4>Specialized Packages</h4>
                        <ul>
                            <li><strong>Auto Dealer Packages:</strong> Basic ($175/month, 25 signatures), Premium ($300/month, 50 signatures), Enterprise ($500/month, unlimited)</li>
                            <li><strong>Correctional Facility Packages:</strong> Basic ($300/month, 20 notarizations), Premium ($500/month, unlimited)</li>
                            <li><strong>Healthcare Facility Packages:</strong> Custom packages available for hospitals and nursing homes</li>
                            <li><strong>Law Firm Packages:</strong> Specialized packages with enhanced confidentiality provisions</li>
                        </ul>
                    </div>
                </div>
                
                <div class="col-lg-6 mb-4">
                    <div class="terms-card">
                        <h3><i class="fas fa-file-alt"></i>Document Preparation & Paralegal Services</h3>
                        <h4>Document Preparation Services</h4>
                        <ul>
                            <li><strong>Standard Documents:</strong> Powers of attorney, healthcare directives, living wills, HIPAA releases</li>
                            <li><strong>Custom Documents:</strong> Contracts, agreements, and other legal documents</li>
                            <li><strong>Review Services:</strong> Document review for completeness and accuracy</li>
                            <li><strong>Legal Limitations:</strong> We do not provide legal advice or practice law</li>
                            <li><strong>Attorney Consultation:</strong> We recommend attorney consultation for complex legal matters</li>
                        </ul>
                        
                        <h4>Paralegal Services</h4>
                        <ul>
                            <li><strong>Law Firm Support:</strong> Document preparation and administrative support for attorneys</li>
                            <li><strong>Research Assistance:</strong> Legal research and case preparation support</li>
                            <li><strong>Court Filing:</strong> Document filing and court procedure assistance</li>
                            <li><strong>Client Communication:</strong> Client intake and communication support</li>
                            <li><strong>Confidentiality:</strong> Strict attorney-client privilege and confidentiality maintained</li>
                        </ul>
                    </div>
                </div>
            </div>
        </div>
    </section>

    <!-- Pricing and Payment Terms -->
    <section class="terms-section">
        <div class="container">
            <div class="section-header">
                <h2>Pricing & Payment Terms</h2>
                <p class="subtitle">Transparent pricing structure and payment policies</p>
            </div>
            
            <div class="row">
                <div class="col-lg-8">
                    <div class="terms-card">
                        <h3><i class="fas fa-dollar-sign"></i>Standard Pricing Structure</h3>
                        
                        <div class="terms-table">
                            <table class="table">
                                <thead>
                                    <tr>
                                        <th>Service Type</th>
                                        <th>Base Fee</th>
                                        <th>Additional Notes</th>
                                    </tr>
                                </thead>
                                <tbody>
                                    <tr>
                                        <td><strong>Standard Notarization</strong></td>
                                        <td>$2.50 per signature</td>
                                        <td>Per NJ state maximum</td>
                                    </tr>
                                    <tr>
                                        <td><strong>Real Estate/Mortgage Documents</strong></td>
                                        <td>$15.00 per act</td>
                                        <td>Complex document fee</td>
                                    </tr>
                                    <tr>
                                        <td><strong>Loan Signing Services</strong></td>
                                        <td>$125 - $150</td>
                                        <td>Based on package complexity</td>
                                    </tr>
                                    <tr>
                                        <td><strong>RON Services</strong></td>
                                        <td>$25 - $35</td>
                                        <td>Time-based pricing</td>
                                    </tr>
                                    <tr>
                                        <td><strong>Document Preparation</strong></td>
                                        <td>$30.00</td>
                                        <td>Per document prepared</td>
                                    </tr>
                                    <tr>
                                        <td><strong>Emergency Services</strong></td>
                                        <td>Base fee + $35</td>
                                        <td>After-hours surcharge</td>
                                    </tr>
                                    <tr>
                                        <td><strong>Same-Day Service</strong></td>
                                        <td>Base fee + $25</td>
                                        <td>Rush service fee</td>
                                    </tr>
                                </tbody>
                            </table>
                        </div>
                        
                        <h4>Travel Fees</h4>
                        <ul>
                            <li><strong>0-10 miles:</strong> No travel fee</li>
                            <li><strong>11-20 miles:</strong> $20.00 travel fee</li>
                            <li><strong>21-30 miles:</strong> $30.00 travel fee</li>
                            <li><strong>Mileage Calculation:</strong> Based on round-trip distance from Pittsgrove, NJ</li>
                            <li><strong>Multiple Stops:</strong> Additional travel fees may apply for multiple locations</li>
                        </ul>
                        
                        <h4>Discounts and Special Pricing</h4>
                        <ul>
                            <li><strong>Law Firms & Healthcare Facilities:</strong> 10% discount on standard services</li>
                            <li><strong>Non-Profit Organizations:</strong> 15% discount on all services</li>
                            <li><strong>Senior Citizens (65+):</strong> 10% discount on individual services</li>
                            <li><strong>Business Package Clients:</strong> Reduced per-service rates</li>
                            <li><strong>Referral Program:</strong> Credits for successful referrals</li>
                        </ul>
                    </div>
                </div>
                
                <div class="col-lg-4">
                    <div class="terms-card">
                        <h3><i class="fas fa-credit-card"></i>Payment Terms</h3>
                        
                        <h4>Accepted Payment Methods</h4>
                        <ul>
                            <li><strong>Credit/Debit Cards:</strong> Visa, MasterCard, American Express, Discover</li>
                            <li><strong>Digital Payments:</strong> Apple Pay, Google Pay, PayPal</li>
                            <li><strong>Business Checks:</strong> From established business clients</li>
                            <li><strong>ACH/Bank Transfer:</strong> For business packages and large orders</li>
                            <li><strong>Cash:</strong> Accepted but not preferred</li>
                        </ul>
                        
                        <h4>Payment Timing</h4>
                        <ul>
                            <li><strong>Individual Services:</strong> Payment due at time of service</li>
                            <li><strong>Business Packages:</strong> Monthly billing in advance</li>
                            <li><strong>Large Orders:</strong> 50% deposit, balance on completion</li>
                            <li><strong>Emergency Services:</strong> Payment required before service</li>
                            <li><strong>RON Services:</strong> Payment processed before session</li>
                        </ul>
                        
                        <h4>Late Payment Policy</h4>
                        <ul>
                            <li><strong>Grace Period:</strong> 5 business days after due date</li>
                            <li><strong>Late Fee:</strong> $25 or 5% of balance, whichever is greater</li>
                            <li><strong>Service Suspension:</strong> Services may be suspended for accounts 30+ days overdue</li>
                            <li><strong>Collection:</strong> Accounts 60+ days overdue may be sent to collections</li>
                            <li><strong>Reinstatement:</strong> Full payment required to reinstate services</li>
                        </ul>
                        
                        <div class="alert alert-warning">
                            <h6><i class="fas fa-exclamation-triangle me-2"></i>Payment Security</h6>
                            <p class="mb-0">All payment processing is handled through secure, PCI-compliant systems. We do not store credit card information on our systems.</p>
                        </div>
                    </div>
                </div>
            </div>
        </div>
    </section>

    <!-- Scheduling and Cancellation -->
    <section class="terms-section" style="background-color: var(--bg-light);">
        <div class="container">
            <div class="section-header">
                <h2>Scheduling & Cancellation Policies</h2>
                <p class="subtitle">Clear policies for appointments, cancellations, and rescheduling</p>
            </div>
            
            <div class="row">
                <div class="col-lg-6 mb-4">
                    <div class="terms-card">
                        <h3><i class="fas fa-calendar-alt"></i>Scheduling Policies</h3>
                        
                        <h4>Business Hours</h4>
                        <ul>
                            <li><strong>Regular Hours:</strong> Monday-Friday, 8:00 AM - 5:00 PM</li>
                            <li><strong>RON Services:</strong> Monday-Friday, 9:00 AM - 4:00 PM</li>
                            <li><strong>Loan Signings:</strong> Monday-Saturday, 8:00 AM - 8:00 PM</li>
                            <li><strong>Emergency Services:</strong> 24/7 availability</li>
                            <li><strong>Holiday Schedule:</strong> Limited availability on major holidays</li>
                        </ul>
                        
                        <h4>Appointment Scheduling</h4>
                        <ul>
                            <li><strong>Advance Notice:</strong> Minimum 2 hours for regular appointments</li>
                            <li><strong>Same-Day Service:</strong> Subject to availability with $25 surcharge</li>
                            <li><strong>Emergency Appointments:</strong> Available 24/7 with emergency pricing</li>
                            <li><strong>RON Sessions:</strong> Minimum 24-hour advance notice preferred</li>
                            <li><strong>Business Package Clients:</strong> Priority scheduling privileges</li>
                        </ul>
                        
                        <h4>Scheduling Methods</h4>
                        <ul>
                            <li><strong>Online Scheduling:</strong> Calendly booking system (preferred)</li>
                            <li><strong>Phone:</strong> (856) 388-2341 during business hours</li>
                            <li><strong>Emergency Line:</strong> (877) 906-1157 for urgent needs</li>
                            <li><strong>Email:</strong> info@sjprofessionals.org</li>
                            <li><strong>Text Messages:</strong> For existing clients only</li>
                        </ul>
                        
                        <h4>Confirmation Process</h4>
                        <ul>
                            <li><strong>Booking Confirmation:</strong> Immediate email confirmation upon scheduling</li>
                            <li><strong>48-Hour Reminder:</strong> Text reminder with appointment details</li>
                            <li><strong>24-Hour Reminder:</strong> Final confirmation with document checklist</li>
                            <li><strong>Day-of Contact:</strong> Text or call 1 hour before arrival</li>
                            <li><strong>Emergency Protocol:</strong> Special confirmation procedures for urgent appointments</li>
                        </ul>
                    </div>
                </div>
                
                <div class="col-lg-6 mb-4">
                    <div class="terms-card">
                        <h3><i class="fas fa-times-circle"></i>Cancellation & Rescheduling</h3>
                        
                        <h4>Cancellation Policy</h4>
                        <ul>
                            <li><strong>Free Cancellation:</strong> 4+ hours advance notice</li>
                            <li><strong>Short Notice:</strong> 2-4 hours notice - 50% service fee</li
                            <li><strong>Last Minute:</strong> Less than 2 hours notice - full service fee</li>
                            <li><strong>No-Show:</strong> Full service fee charged for missed appointments</li>
                            <li><strong>Emergency Exceptions:</strong> Medical emergencies may waive cancellation fees</li>
                        </ul>
                        
                        <h4>Rescheduling Policy</h4>
                        <ul>
                            <li><strong>Free Rescheduling:</strong> 4+ hours advance notice</li>
                            <li><strong>Short Notice Rescheduling:</strong> 2-4 hours notice - $15 rescheduling fee</li>
                            <li><strong>Same-Day Rescheduling:</strong> Subject to availability with fees</li>
                            <li><strong>Multiple Reschedules:</strong> Additional fees may apply after 2 reschedules</li>
                            <li><strong>Business Package Clients:</strong> More flexible rescheduling terms</li>
                        </ul>
                        
                        <h4>Weather and Emergency Cancellations</h4>
                        <ul>
                            <li><strong>Severe Weather:</strong> Services may be cancelled for safety reasons</li>
                            <li><strong>Emergency Situations:</strong> Force majeure events may require cancellation</li>
                            <li><strong>No Penalty:</strong> No fees charged for weather-related cancellations</li>
                            <li><strong>Rescheduling Priority:</strong> Weather-cancelled appointments get priority rescheduling</li>
                            <li><strong>Communication:</strong> Clients notified ASAP of any cancellations</li>
                        </ul>
                        
                        <div class="alert alert-info">
                            <h6><i class="fas fa-info-circle me-2"></i>Business Package Benefits</h6>
                            <p class="mb-0">Business package clients receive enhanced scheduling flexibility, priority booking, and reduced cancellation fees as part of their subscription benefits.</p>
                        </div>
                    </div>
                </div>
            </div>
        </div>
    </section>

    <!-- Client Responsibilities -->
    <section class="terms-section">
        <div class="container">
            <div class="section-header">
                <h2>Client Responsibilities & Requirements</h2>
                <p class="subtitle">What we need from you to provide excellent service</p>
            </div>
            
            <div class="row">
                <div class="col-lg-6 mb-4">
                    <div class="terms-card">
                        <h3><i class="fas fa-user-check"></i>Client Obligations</h3>
                        
                        <h4>Document Preparation</h4>
                        <ul>
                            <li><strong>Complete Documents:</strong> All documents must be complete before notarization</li>
                            <li><strong>Blank Spaces:</strong> No blank spaces allowed in documents to be notarized</li>
                            <li><strong>Legible Text:</strong> Documents must be clearly readable and in English or with certified translation</li>
                            <li><strong>Proper Format:</strong> Documents must be in proper legal format</li>
                            <li><strong>Multiple Copies:</strong> Client responsible for providing required number of copies</li>
                        </ul>
                        
                        <h4>Identity Verification</h4>
                        <ul>
                            <li><strong>Valid ID Required:</strong> All signers must have current, government-issued photo ID</li>
                            <li><strong>ID Matching:</strong> Name on ID must match name on document exactly</li>
                            <li><strong>Physical Presence:</strong> All signers must be physically present (except for RON)</li>
                            <li><strong>Mental Capacity:</strong> Signers must be of sound mind and not under duress</li>
                            <li><strong>Voluntary Signing:</strong> All signatures must be made willingly and voluntarily</li>
                        </ul>
                        
                        <h4>Payment Responsibilities</h4>
                        <ul>
                            <li><strong>Timely Payment:</strong> Payment due at time of service unless other arrangements made</li>
                            <li><strong>Fee Acknowledgment:</strong> Client acknowledges understanding of all fees before service</li>
                            <li><strong>Travel Costs:</strong> Client responsible for travel fees as outlined in pricing</li>
                            <li><strong>Additional Services:</strong> Extra fees apply for rush services, after-hours, etc.</li>
                            <li><strong>Disputed Charges:</strong> Disputes must be raised within 30 days of service</li>
                        </ul>
                    </div>
                </div>
                
                <div class="col-lg-6 mb-4">
                    <div class="terms-card">
                        <h3><i class="fas fa-shield-alt"></i>Safety & Security Requirements</h3>
                        
                        <h4>Location Requirements</h4>
                        <ul>
                            <li><strong>Safe Environment:</strong> Meeting location must be safe and appropriate for business</li>
                            <li><strong>Adequate Lighting:</strong> Sufficient lighting required for document review</li>
                            <li><strong>Flat Surface:</strong> Stable surface needed for document signing</li>
                            <li><strong>Privacy:</strong> Confidential environment required for sensitive documents</li>
                            <li><strong>Access:</strong> Clear directions and access to meeting location</li>
                        </ul>
                        
                        <h4>Health and Safety</h4>
                        <ul>
                            <li><strong>Health Disclosure:</strong> Clients must disclose any contagious illnesses</li>
                            <li><strong>Safety Protocols:</strong> Follow any health and safety guidelines in effect</li>
                            <li><strong>Emergency Situations:</strong> Cooperation required during medical emergencies</li>
                            <li><strong>Facility Rules:</strong> Compliance with rules at hospitals, nursing homes, etc.</li>
                            <li><strong>Professional Conduct:</strong> Respectful and professional behavior expected</li>
                        </ul>
                        
                        <h4>Confidentiality Cooperation</h4>
                        <ul>
                            <li><strong>Document Security:</strong> Protect sensitive documents before and after notarization</li>
                            <li><strong>Information Sharing:</strong> Only share necessary information for notarization</li>
                            <li><strong>Third Party Presence:</strong> Limit unnecessary third parties during signing</li>
                            <li><strong>Record Keeping:</strong> Maintain copies of notarized documents securely</li>
                            <li><strong>Privacy Compliance:</strong> Follow HIPAA and other privacy requirements when applicable</li>
                        </ul>
                        
                        <div class="alert alert-warning">
                            <h6><i class="fas fa-exclamation-triangle me-2"></i>Important Notice</h6>
                            <p class="mb-0">Failure to meet client responsibilities may result in service refusal, additional fees, or termination of business relationship. We reserve the right to refuse service if safety or legal requirements cannot be met.</p>
                        </div>
                    </div>
                </div>
            </div>
        </div>
    </section>

    <!-- Limitations and Disclaimers -->
    <section class="terms-section" style="background-color: var(--bg-light);">
        <div class="container">
            <div class="section-header">
                <h2>Service Limitations & Legal Disclaimers</h2>
                <p class="subtitle">Important limitations and legal protections</p>
            </div>
            
            <div class="row">
                <div class="col-lg-8">
                    <div class="terms-card">
                        <h3><i class="fas fa-exclamation-circle"></i>Service Limitations</h3>
                        
                        <h4>Legal Advice Limitations</h4>
                        <ul>
                            <li><strong>No Legal Advice:</strong> We do not provide legal advice or practice law</li>
                            <li><strong>Document Content:</strong> We cannot advise on document content or legal implications</li>
                            <li><strong>Legal Consultation:</strong> Recommend consulting with attorney for legal questions</li>
                            <li><strong>Document Preparation:</strong> Document preparation is administrative, not legal advice</li>
                            <li><strong>Paralegal Services:</strong> Paralegal work performed under attorney supervision only</li>
                        </ul>
                        
                        <h4>Notarization Limitations</h4>
                        <ul>
                            <li><strong>Document Validity:</strong> Notarization does not guarantee document validity or enforceability</li>
                            <li><strong>Content Accuracy:</strong> We do not verify accuracy of document content</li>
                            <li><strong>Legal Effect:</strong> Notarization only confirms identity and willingness to sign</li>
                            <li><strong>Prohibited Documents:</strong> Cannot notarize vital records copies, blank documents, or incomplete forms</li>
                            <li><strong>Conflict of Interest:</strong> Cannot notarize documents where we have financial interest</li>
                        </ul>
                        
                        <h4>Technology Limitations</h4>
                        <ul>
                            <li><strong>RON Platform:</strong> RON services subject to platform availability and functionality</li>
                            <li><strong>Internet Connectivity:</strong> Technical issues may affect RON sessions</li>
                            <li><strong>Recording Quality:</strong> RON recordings subject to technical limitations</li>
                            <li><strong>System Maintenance:</strong> Scheduled maintenance may temporarily limit services</li>
                            <li><strong>Backup Procedures:</strong> Alternative arrangements made for technical failures</li>
                        </ul>
                        
                        <h4>Geographic and Regulatory Limitations</h4>
                        <ul>
                            <li><strong>Service Area:</strong> Mobile services limited to specified geographic area</li>
                            <li><strong>State Jurisdiction:</strong> New Jersey notary commission limits out-of-state services</li>
                            <li><strong>Facility Access:</strong> Some locations may restrict or limit access</li>
                            <li><strong>Regulatory Changes:</strong> Services subject to changes in state and federal regulations</li>
                            <li><strong>Emergency Limitations:</strong> Emergency services subject to safety and accessibility constraints</li>
                        </ul>
                    </div>
                </div>
                
                <div class="col-lg-4">
                    <div class="terms-card">
                        <h3><i class="fas fa-balance-scale"></i>Legal Disclaimers</h3>
                        
                        <h4>Liability Limitations</h4>
                        <ul>
                            <li><strong>E&O Insurance:</strong> Protected by $100,000 Errors & Omissions insurance</li>
                            <li><strong>Liability Cap:</strong> Total liability limited to amount of insurance coverage</li>
                            <li><strong>Consequential Damages:</strong> Not liable for indirect or consequential damages</li>
                            <li><strong>Third Party Claims:</strong> Not responsible for third party claims or disputes</li>
                            <li><strong>Document Disputes:</strong> Not liable for disputes over document content or validity</li>
                        </ul>
                        
                        <h4>Force Majeure</h4>
                        <ul>
                            <li><strong>Natural Disasters:</strong> Not liable for delays due to natural disasters</li>
                            <li><strong>Government Actions:</strong> Services may be affected by government orders</li>
                            <li><strong>Health Emergencies:</strong> Pandemic or health emergency limitations</li>
                            <li><strong>Technology Failures:</strong> Not liable for third-party technology failures</li>
                            <li><strong>Transportation Issues:</strong> Weather or transportation delays beyond our control</li>
                        </ul>
                        
                        <h4>Indemnification</h4>
                        <ul>
                            <li><strong>Client Protection:</strong> Client agrees to indemnify us against false information</li>
                            <li><strong>Document Accuracy:</strong> Client responsible for document content accuracy</li>
                            <li><strong>Identity Fraud:</strong> Client liable for any identity fraud or misrepresentation</li>
                            <li><strong>Third Party Claims:</strong> Client protects us from third party claims</li>
                            <li><strong>Legal Costs:</strong> Client responsible for legal costs from their actions</li>
                        </ul>
                        
                        <div class="alert alert-danger">
                            <h6><i class="fas fa-shield-alt me-2"></i>Insurance Protection</h6>
                            <p class="mb-0">We maintain $100,000 in Errors & Omissions insurance for your protection. This coverage protects against errors in our notarial acts and professional services.</p>
                        </div>
                    </div>
                </div>
            </div>
        </div>
    </section>

    <!-- Privacy and Confidentiality -->
    <section class="terms-section">
        <div class="container">
            <div class="section-header">
                <h2>Privacy & Confidentiality</h2>
                <p class="subtitle">How we protect your information and maintain confidentiality</p>
            </div>
            
            <div class="row justify-content-center">
                <div class="col-lg-10">
                    <div class="terms-card">
                        <h3><i class="fas fa-user-shield"></i>Confidentiality Commitments</h3>
                        
                        <h4>Professional Confidentiality</h4>
                        <ul>
                            <li><strong>Document Confidentiality:</strong> All documents and information treated as strictly confidential</li>
                            <li><strong>Client Information:</strong> Personal and business information protected from unauthorized disclosure</li>
                            <li><strong>Professional Standards:</strong> Bound by notary public confidentiality requirements</li>
                            <li><strong>Third Party Protection:</strong> Information not shared with unauthorized third parties</li>
                            <li><strong>Ongoing Obligation:</strong> Confidentiality continues after service completion</li>
                        </ul>
                        
                        <h4>HIPAA Compliance</h4>
                        <ul>
                            <li><strong>Healthcare Documents:</strong> Special protections for healthcare-related documents</li>
                            <li><strong>Medical Information:</strong> Protected health information handled according to HIPAA</li>
                            <li><strong>Healthcare Facilities:</strong> Compliance with facility-specific privacy requirements</li>
                            <li><strong>Business Associate:</strong> Formal business associate agreements when required</li>
                            <li><strong>Breach Notification:</strong> Immediate notification of any potential privacy breaches</li>
                        </ul>
                        
                        <h4>Data Security Measures</h4>
                        <ul>
                            <li><strong>Secure Storage:</strong> Electronic documents stored in encrypted, secure systems</li>
                            <li><strong>Physical Security:</strong> Physical documents secured in locked containers</li>
                            <li><strong>Access Controls:</strong> Limited access to confidential information</li>
                            <li><strong>Secure Transmission:</strong> VPN and encrypted methods for electronic transmission</li>
                            <li><strong>Disposal Procedures:</strong> Secure destruction of documents when retention period expires</li>
                        </ul>
                        
                        <h4>Record Retention</h4>
                        <ul>
                            <li><strong>Notary Journal:</strong> Maintained for life of commission plus 7 years</li>
                            <li><strong>RON Records:</strong> Audio-visual recordings retained for 10 years</li>
                            <li><strong>Business Records:</strong> Client information retained per business requirements</li>
                            <li><strong>Document Copies:</strong> Temporary retention only, securely destroyed</li>
                            <li><strong>Legal Requirements:</strong> Records retained as required by law and regulation</li>
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                            <h4><i class="fas fa-lock"></i>Privacy Policy Reference</h4>
                            <p>For complete details on how we collect, use, and protect your personal information, please review our comprehensive <a href="privacy.html" class="text-decoration-none">Privacy Policy</a>. Our privacy practices comply with all applicable federal and state privacy laws, including HIPAA for healthcare-related services.</p>
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                            <li><strong>State Law:</strong> New Jersey state law governs all aspects of this agreement</li>
                            <li><strong>Notary Laws:</strong> NJ Notary Public statutes (N.J.S.A. 52:7-10 et seq.)</li>
                            <li><strong>RON Regulations:</strong> New Jersey Remote Online Notarization laws</li>
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                            <h6><i class="fas fa-balance-scale me-2"></i>Professional Standards</h6>
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