Last Updated: January 1, 2026
Welcome to Ricardo Chang DDS PA. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms. If you do not agree with these Terms, please do not use our website or services.
1. Use of Website
You agree to use our website only for lawful purposes and in accordance with these Terms. You may not use our website:
- In any way that violates any applicable federal, state, local, or international law or regulation
- To transmit, or procure the sending of, any advertising or promotional material without our prior written consent
- To impersonate or attempt to impersonate Ricardo Chang DDS PA, an employee, another user, or any other person or entity
- In any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful
2. Intellectual Property
All content on this website, including text, graphics, logos, images, and software, is the property of Ricardo Chang DDS PA or its content suppliers and is protected by United States and international copyright laws. You may not reproduce, distribute, or create derivative works from any content on this website without our express written permission.
3. Funding Applications and Services
Any funding application or inquiry submitted through our website does not constitute a binding agreement or guarantee of approval. All funding decisions are made at the sole discretion of Ricardo Chang DDS PA based on our underwriting criteria and applicable laws and regulations.
By submitting a funding application, you represent and warrant that:
- All information provided is accurate, complete, and current
- You have the authority to bind your business to any funding agreement
- You understand that false or misleading information may result in denial of funding or legal action
4. SMS Terms & Conditions
If you opt in to receive SMS or text message communications from Ricardo Chang DDS PA, the following terms apply:
Consent to Receive SMS Messages
By providing your mobile phone number and checking the SMS opt-in box, you expressly consent to receive recurring marketing and promotional SMS/MMS messages from Ricardo Chang DDS PA sent using an automated telephone dialing system (ATDS). These messages may include offers, updates, and information about our financial products and services.
Message Frequency and Cost
Message frequency varies. You may receive up to 4 messages per month. Message and data rates may apply. Contact your mobile carrier for pricing details.
Opting Out
You may opt out of SMS messages at any time by replying STOP to any message. After replying STOP, you will receive one final confirmation message, and no further messages will be sent unless you re-opt in.
Help and Customer Support
For help or support regarding SMS messages, reply HELP to any message or email us at ricardo@ricardochangdds.com.
Consent Not a Condition of Purchase
Consent to receive SMS messages is NOT a condition of purchase or of obtaining funding from Ricardo Chang DDS PA. You may apply for and receive financing without opting in to text messages.
Carrier and Device Limitations
SMS messaging is available on most major U.S. carriers. Message delivery is subject to your carrier's network availability and may be affected by service outages, coverage limitations, or device compatibility. We are not responsible for delayed or undelivered messages due to carrier or device issues.
Changes to Mobile Number
If you change your mobile phone number, you must notify us immediately to update your contact preferences and prevent messages from being sent to a reassigned number.
5. Privacy and Data Protection
Your use of our website and services is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal information. Please review the Privacy Policy to understand our practices.
6. Disclaimers and Limitation of Liability
Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
To the fullest extent permitted by law, Ricardo Chang DDS PA shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:
- Your use or inability to use our website or services
- Any unauthorized access to or use of our servers and/or any personal information stored therein
- Any errors or omissions in any content or for any loss or damage incurred as a result of the use of any content posted, emailed, transmitted, or otherwise made available through the website
7. Indemnification
You agree to defend, indemnify, and hold harmless Ricardo Chang DDS PA, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the website or services.
8. Modifications to Terms
We reserve the right to modify or update these Terms at any time without prior notice. Changes will be effective immediately upon posting to this website. Your continued use of the website after any changes constitutes your acceptance of the new Terms.
9. Governing Law and Dispute Resolution
These Terms are governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law principles. Any disputes arising out of or relating to these Terms or your use of our website or services shall be resolved in the state or federal courts located in Palm Beach County, Florida.
10. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
11. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Ricardo Chang DDS PA regarding your use of our website and services and supersede all prior agreements and understandings.
12. Contact Information
If you have any questions or concerns about these Terms, please contact us:
Ricardo Chang DDS PA
305 Marble Canyon Drive
Wellington, FL 33414
Email: ricardo@ricardochangdds.com