Privacy Policy

1.1. Purpose: This MSA sets forth the general terms and conditions governing the provision of Notary Public and administrative services ("Services") by A&C to the Client, which shall be requested via separate Work Orders or Service Authorizations ("SOAs").

1.2. SOAs: Each specific engagement will be documented in a separate SOA. All SOAs executed by the Parties shall be subject to the terms of this MSA. In the event of a conflict, the terms of the SOA shall prevail only to the extent of the conflict.

1.3. Services Provided: A&C Notary Services offers, and the Client may retain the Service Provider for the following independent services, all of which are subject to the specific terms set forth in this MSA:

* General Mobile Notary Work: Performing traditional, in-person notarial acts (Acknowledgments, Jurats, Oaths/Affirmations) at a location designated by the Client.

* Remote Online Notarization (RON): Performing notarial acts on electronic documents for a remotely located individual via approved audio-visual technology and RON platform, as permitted by Nevada law.

* Loan Signing Agent Services: Mobile service involving the printing, transportation, presentation, and notarization of loan document packages for mortgage, refinance, or other real estate transactions.

* Apostille and Document Authentication Services: Non-notary, administrative service involving the processing, submission, and courier delivery of documents to the relevant State authority (e.g., the Nevada Secretary of State) for the issuance of an Apostille or Certificate of Authentication.

* Field Inspection Services: Non-notary, independent contractor services including on-site property or asset verification, condition reports, and photographic documentation on behalf of the Client.

 2.1. Term: This Agreement shall commence on the Date of Service on Quote/Invoice and shall remain in full force and effect throughout the duration of the client/business relationship between A&C Notary Services and the Client ("Term").

This MSA shall govern all Services requested by the Client during the Term.

2.2. Amendments and Revisions: A&C Notary Services reserves the right to amend or revise this MSA at any time. Any changes or revisions to this Agreement shall be provided to the Client in writing at least thirty (30) days prior to the effective date of the change. Continued use of A&C Notary Services by the Client after the effective date of the amendment constitutes acceptance of the revised terms.

2.3. Termination for Convenience: Either party may terminate the business relationship and this Agreement for any reason immediately to the other party.

2.4. Effect of Termination: Termination of this MSA shall not relieve either Party of any obligations arising before the effective date of termination, including payment obligations for services rendered under any active SOAs.

3.1. NON-ATTORNEY DISCLOSURE (REQUIRED BY NV LAW): A&C Notary Services is not an attorney authorized to practice law in the State of Nevada and is prohibited from providing legal advice or legal representation to any person. A&C is an impartial witness to the signing of documents.

3.2. Limitation of Duty: A&C’s duties are strictly limited to the execution of the notarial act, including verifying the identity of the signer, witnessing the signature (where required), and completing the notarial certificate.

3.3. Signer Requirements (General): The Client understands and agrees that A&C will require every signer to present valid, government-issued photo identification as required by Nevada law and to sign A&C’s Notary Journal.

3.4. Refusal to Notarize: A&C reserves the right to refuse a notarization if, in its professional judgment, the signer appears coerced, is not of sound mind, or lacks proper identification, as required by Nevada Revised Statutes (NRS) Chapter 240.

3.5. Business License: A&C Notary Services is a duly licensed business operating in the State of Nevada and Clark County/City of Las Vegas], holding all necessary permits and licenses to conduct its business activities

3.6. Bond and Insurance: A&C maintains a Notary Public Surety Bond as required by Nevada law and carries Errors & Omissions (E&O) insurance coverage of $100,000.

If Services are provided via Remote Online Notarization (RON), the following additional terms apply:

1. Approved Platform: A&C shall use a RON platform registered and approved by the Nevada Secretary of State for all RON Services.
2. Notary Location: A&C shall be physically located within the State of Nevada at the time of performing any RON session, regardless of the Signer’s location (NRS 240.1993).
3. Recording: The entire RON session shall be recorded via audio-visual means and retained by A&C or the approved RON platform for the minimum period required by Nevada law.
4. Identity Verification: The Signer must successfully pass multi-factor authentication, including Credential Analysis and Identity Proofing (KBA), as required by Nevada law. Failure to verify identity will result in immediate termination of the session.
5. Technical Requirements: The Signer is responsible for providing a reliable internet connection, functioning webcam, and microphone.
6. RON Cancellation and No-Show Policy
   1. Required Deposit: A $12.50 deposit is required to secure your RON appointment. This deposit covers the cost of reserving the notary's time and the third-party identity verification processes used by our platform.
   2. Late Cancellation: If you cancel with less than 2 hours' notice, the deposit will be non-refundable.
   3. No-Show: If you fail to connect to the scheduled session within 10 minutes of the appointment time, the appointment will be cancelled, and the deposit will be forfeited.
   4. Notary Refusal: If the notarization cannot be completed due to the signer's lack of proper ID, failure to pass identity verification (KBA/credential analysis), or inability to communicate clearly, the deposit will be forfeited, as the notary has fulfilled their commitment and incurred costs.

If Services are provided via a Mobile Notary Appointment (including Loan Signings), the Client acknowledges and agrees to the following:

1. Signer Presence & Readiness: All required signers must be physically present at the agreed location with valid ID. Documents must be complete and ready for signature prior to the Notary's arrival.
2. Location & Safety: The Client shall ensure the signing environment is safe, well-lit, and provides the Notary with an appropriate workspace.
3. Wait Time: A&C allows a grace period of fifteen (15) minutes for the Signer(s). If the Signer is not ready after the grace period, A&C reserves the right to charge a Wait Time Fee (as detailed in the SOA) or terminate the appointment.
4. Travel Fee Policy: The Travel Fee is separate from the notarial act fee and is due regardless of whether the notarization is completed (e.g., due to missing ID or incomplete documents).
5. Non-Refundable Deposit/Cancellation: Any deposit or pre-payment made by the Client is non-refundable if the session is canceled less than two (2) hours prior to the scheduled appointment time and the cancellation is through no fault of A&C Notary Services. This includes, but is not limited to, the signer's inability to produce valid identification or incomplete documents.

If the Client engages A&C for Apostille or Authentication processing:

1. Service Defined: A&C provides courier and administrative submission services for Apostille or Authentication Certificates issued by the Nevada Secretary of State (or other relevant authority).
2. Exclusion of Authority: A&C is not the issuing authority and provides no guarantee that the receiving foreign jurisdiction will accept the document.
3. Fees and Expenses: The Client shall pay A&C’s separate Apostille Service Fee plus all non-refundable State Fees and Shipping Costs incurred by A&C on the Client’s behalf.

 4.1. Fees: The specific fees for each service will be detailed in the corresponding SOA. Fees will include the Nevada statutory fee per notarial act and separate, negotiated service fees.

4.2. Billing: A&C shall invoice the Client upon completion of the Services or according to the terms of the SOA.

4.3. Accepted Payment Methods: A&C Notary Services accepts the following forms of payment: Cash, Zelle, Debit Card, and Credit Card.

4.4. Payment Terms: Payment is due as stated on invoice.

4.6. Late Payments and Legal Action: Should an invoice payment not be remitted within the three (3) calendar days immediately following the stated due date, the Client shall be assessed a late penalty equal to Ten percent (10%) per day on the overdue outstanding balance, commencing on the fourth day.

If the outstanding balance, inclusive of all accrued penalties, remains unpaid for ninety (90) days from the original due date, A&C Notary Services reserves the right to pursue any and all available legal remedies and actions to recover the debt.

5.1. Obligation: A&C agrees to hold all Confidential Information (including document content and signer information) in strict confidence and shall not disclose or use such information except as necessary to perform the Services or as required by law (e.g., valid subpoena).

6.1. Indemnification: The Client agrees to indemnify, defend, and hold harmless A&C against any claims, damages, and expenses arising out of the Client's breach of this Agreement or the misuse of the Services provided by A&C.

6.2. Limitation of Liability: A&C's liability for any damages arising out of or related to this Agreement shall not exceed the amount of the fees paid by the Client to A&C under the SOA in question. A&C shall not be liable for any indirect, incidental, or consequential damages.

7.1. Governing Law: This Agreement shall be governed by and construed in accordance with the laws of the State of Nevada.

7.2. Entire Agreement: This MSA, together with any executed SOAs, constitutes the entire agreement between the Parties.

7.3. Independent Contractor: A&C is acting as an independent contractor, and nothing in this Agreement shall be construed to create an employer-employee, partnership, or joint venture relationship.