Terms & Conditions

1. Introduction

These Terms and Conditions ("Terms") govern your use of the A.R.M. Solutions, Inc. website (www.armsolutions.com) and all related services, including but not limited to digital communications, customer engagement, revenue recovery services, and accounts receivable management solutions offered by A.R.M. Solutions, Inc.

By accessing this website, using our services, providing your contact information, or opting in to receive communications from A.R.M. Solutions or our clients, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree with any part of these Terms, you should not use our website or services.

These Terms apply to all visitors, users, and customers who access A.R.M. Solutions' website or utilize our services, regardless of whether the communication is initiated by A.R.M. Solutions as a first-party representative or as a third-party service provider.

2. Services Description

A.R.M. Solutions, Inc. provides comprehensive customer engagement, revenue recovery, digital communications management, and accounts receivable management services. Our service offerings include:

First-Party Services

A.R.M. Solutions operates as a first-party representative on behalf of our clients, communicating directly in the client's name and with their authority. When operating in this capacity, we represent our clients' brands and communicate regarding their customer accounts, billing matters, and service-related communications.

Third-Party Services

A.R.M. Solutions may also operate as a third-party service provider and debt collector, as permitted by law. When operating in this capacity, we make communications regarding debts and perform collections activities in accordance with the Fair Debt Collection Practices Act (FDCPA) and all applicable state and federal regulations.

Communication Services

Our digital communications management services include outreach through multiple channels including but not limited to:

• Short Message Service (SMS) / Text Messaging
• Email communications
• Voice and telephone communications
• Other digital communication channels

Revenue Cycle Management

We provide end-to-end revenue cycle management services, including customer engagement, payment processing, dispute resolution, and accounts receivable optimization.

4. Email Communications

4.1 Email Opt-In and Consent

By providing your email address to ARM Solutions or our clients, you may receive email communications regarding your account, services, and related matters. Email communications may include account notifications, payment reminders, service updates, and customer service responses.

4.2 Types of Email Communications

We may send you:

• Account statements and balance information
• Payment reminders and due date notices
• Payment confirmations and receipts
• Account notifications and important updates
• Customer service responses
• Service-related announcements

4.3 Opting Out of Email Communications

Each email message from ARM Solutions will include an "Unsubscribe" link at the bottom of the message. You can click this link to opt out of non-essential email communications. Alternatively, you can manage your email preferences through our Communication Preferences page.

Please note that even if you opt out of marketing emails, we may still send you transactional emails related to your account, such as payment confirmations, account alerts, and service notifications.

4.4 Email Frequency

Email frequency will vary based on your account activity and communication needs. You have control over email frequency and preferences through our Communication Preferences page.

5. Voice/Phone Communications

5.1 Phone Communications

ARM Solutions or our clients may contact you by telephone regarding your account, services, payments, and related customer engagement matters. Phone communications may be made to numbers you have provided or that are associated with your account.

5.2 Types of Voice Communications

Voice communications may include:

• Account inquiries and status updates
• Payment reminders and collection attempts
• Account notifications
• Customer service assistance
• Appointment reminders and confirmations
• Survey and feedback requests

5.3 Opting Out of Non-Essential Calls

You may opt out of non-essential telephone communications at any time by requesting to be placed on our internal do-not-call list, by responding to prompts in automated calls, or by contacting us through the Communication Preferences page.

Essential account-related calls regarding active accounts or urgent matters may continue despite opt-out requests, as permitted by law.

5.4 TCPA Compliance

All voice communications comply with the Telephone Consumer Protection Act (TCPA) and applicable state regulations. We maintain required disclosures, honor do-not-call requests, and follow all TCPA guidelines for lawful telephone communications.

6. Communication Preferences

6.1 Managing Your Preferences

You have the right to control how, when, and through which channels we communicate with you. Visit our Communication Preferences page at any time to:

• Update or change your contact information
• Opt in or out of SMS/text messages
• Opt in or out of email communications
• Opt in or out of phone calls
• Adjust communication frequency and preferences
• Specify preferred methods of contact

6.2 Changes to Preferences

Changes to your communication preferences take effect within 24 hours. Some preferences may take longer to propagate through our systems, particularly across multiple clients or service channels.

6.3 Account-Essential Communications

Regardless of your communication preferences, ARM Solutions may continue to send essential communications related to your account, such as payment confirmations, account alerts regarding fraud or security, and legally required notices.

7. Privacy

7.1 Privacy Policy

ARM Solutions' collection, use, and protection of your personal information is governed by our comprehensive Privacy Policy. Your use of ARM Solutions' website and services constitutes acceptance of the terms of our Privacy Policy.

7.2 Information Handling

We are committed to protecting your personal information and maintaining strict confidentiality. Your phone number, email address, and personal data are used solely for providing the services you have requested and for communicating with you regarding your account and services.

7.3 Data Security

ARM Solutions implements industry-leading security measures to protect your information from unauthorized access, disclosure, alteration, and destruction. We comply with applicable data security regulations and maintain SOC 2 compliance certifications.

8. Consumer Rights

8.1 Fair Debt Collection Practices Act (FDCPA)

ARM Solutions respects and complies with the Fair Debt Collection Practices Act (FDCPA) and all consumer protection laws. If ARM Solutions is collecting a debt on behalf of a client, you have the right to:

• Request written verification of the debt within 30 days of receiving notice of the debt
• Request that collection activities cease
• Dispute the validity of the debt
• Request communication in writing only
• Be free from harassment, abuse, or false statements

8.2 Telephone Consumer Protection Act (TCPA)

ARM Solutions operates in full compliance with the Telephone Consumer Protection Act (TCPA), including all requirements for SMS messaging, auto-dialed calls, and pre-recorded messages. You have the right to:

• Opt out of SMS messaging at any time by texting "STOP"
• Opt out of promotional calls
• Request communication through specific channels
• Receive required disclosures in all automated or pre-recorded messages

8.3 State Consumer Rights

ARM Solutions respects all applicable state consumer protection laws and regulations. These may include additional rights regarding communication preferences, debt validation, and consumer interactions, which vary by state.

8.4 Right to Dispute Accounts

If you believe an account is inaccurate or does not belong to you, you have the right to dispute the account. You may file a dispute by contacting us at contact@armsolutions.com or through the Communication Preferences page.

9. Website Use

9.1 Permitted Use

You may use the ARM Solutions website solely for lawful purposes and in a way that does not infringe upon the rights of others or restrict their use and enjoyment. Prohibited conduct includes:

• Harassing, threatening, embarrassing, or causing distress or inconvenience to any person
• Interfering with the normal flow of dialogue within the website
• Attempting to gain unauthorized access to computer systems or networks
• Transmitting obscene or offensive content
• Disrupting the normal operation of the website
• Introducing viruses, worms, or malicious code

9.2 Intellectual Property

All content on the ARM Solutions website, including text, graphics, logos, images, and software, is the property of ARM Solutions or its content suppliers and is protected by international copyright laws. You may not reproduce, distribute, transmit, or display any content without express written permission from ARM Solutions.

9.3 Links and References

ARM Solutions may provide links to external websites. We are not responsible for the content, accuracy, or practices of linked websites. Your use of external links is at your own risk and subject to the terms and conditions of those websites.

9.4 Disclaimers

The website and all content are provided "as is" without warranties of any kind, either express or implied. ARM Solutions does not guarantee that the website will be uninterrupted, error-free, or free of viruses. ARM Solutions disclaims all warranties, including fitness for a particular purpose, merchantability, and non-infringement.

9.5 Limitation of Liability

To the maximum extent permitted by law, ARM Solutions shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of or inability to use the website, including lost profits, lost data, or business interruption, even if ARM Solutions has been advised of the possibility of such damages.

9.6 Indemnification

You agree to indemnify and hold harmless ARM Solutions from any claims, damages, losses, or expenses arising from your use of the website in violation of these Terms or applicable law.

10. Changes to Terms

10.1 Right to Modify

ARM Solutions reserves the right to modify, amend, or update these Terms and Conditions at any time. Changes will be posted on this page with an updated "Last Updated" date. Material changes will be communicated to users through prominent notice on the website or via email.

10.2 Continued Use

Your continued use of the ARM Solutions website or services following notification of changes constitutes your acceptance of the updated Terms and Conditions. If you do not agree with any changes, you should cease using the website and services immediately.

10.3 Effective Date

These Terms and Conditions are effective as of February 2026. The date of last update is shown at the top of this document.