Welcome to the PEN Business Solutions website (the "Site"). We at PEN Business Solutions ("we," "us," "our") respect your privacy and are committed to protecting your personal information. This Privacy Policy (the "Policy") outlines the types of information we collect, how we use and share it, and the measures we take to safeguard your privacy when you use our Site or interact with our services. ​ By using our Site or our services, you agree to the collection, use, and disclosure of your personal information as described in this Policy. If you do not agree with the terms of this Policy, please do not use our Site or our services. ​ Information We Collect We collect various types of information from our users, including: Personal Information: This includes information that can be used to identify you personally, such as your name, email address, phone number, company name, job title, and any other information you voluntarily provide when you register, request information, or contact us. Non-Personal Information: We also collect anonymous, non-identifiable information, such as your IP address, browser type, device type, operating system, referral URLs, and the pages you visit on our Site. This information helps us analyze and improve the Site and our services. ​ How We Use Your Information We use the information we collect for the following purposes: To provide, maintain, and improve our Site and services. To communicate with you and respond to your inquiries. To personalize your experience on our Site. To analyze and monitor the performance and usage of our Site and services. To comply with legal obligations and protect our rights and property. ​ Sharing Your Information We do not sell, rent, or share your personal information with third parties for their marketing purposes. However, we may share your information with: Service Providers: We may share your information with third-party service providers that help us operate and maintain our Site and services, including hosting, analytics, and customer support. Legal Requirements: We may disclose your information if required to do so by law, or in response to a subpoena, court order, or other legal process. Business Transfers: In the event of a merger, acquisition, or sale of our assets, your information may be transferred as part of the transaction. Security We take reasonable precautions to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission or storage is completely secure, and we cannot guarantee the absolute security of your information. ​ Third-Party Links Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of these websites. We encourage you to review the privacy policies of any third-party websites you visit. ​ Children's Privacy Our Site and services are not intended for children under the age of 13, and we do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has provided us with personal information, we will take steps to delete that information. ​ Changes to This Policy We may update this Policy from time to time. Any changes will be effective upon posting the revised Policy on our Site. Your continued use of our Site or services constitutes your acceptance of the updated Policy. ​ Contact Us If you have any questions or concerns about this Policy or our privacy practices, please contact us at info@penbusinesssolutions.com

Introduction PEN Business Solutions ("PEN", "we", "us", or "our") respects and values the intellectual property rights of others. This Copyright & Intellectual Property Policy ("Policy") outlines the protection and enforcement of intellectual property rights on our website, www.penbusinesssolutions.com ("Website"), and any services provided by PEN Business Solutions (collectively, the "Services"). ​ Copyright Notice All content on the Website and related to the Services, including but not limited to text, graphics, logos, icons, images, audio clips, video clips, digital downloads, data compilations, and software, is the property of PEN Business Solutions or its content suppliers and is protected by international copyright laws. The compilation of all content on the Website and Services is the exclusive property of PEN Business Solutions and protected by international copyright laws. ​ Trademarks "PEN Business Solutions" and other marks, logos, and trade names displayed on the Website or in connection with the Services are registered or unregistered trademarks of PEN or its licensors. You may not use these trademarks without prior written permission from PEN or the respective trademark owner. All other trademarks, product names, and company names or logos mentioned on the Website or in connection with the Services are the property of their respective owners. License and Site Access PEN grants you a limited, non-exclusive, non-transferable, and revocable license to access and make personal, non-commercial use of the Website and Services. You may not modify, reproduce, distribute, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Website or Services without prior written consent from PEN, except as follows: Your computer may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials. You may store files that are automatically cached by your web browser for display enhancement purposes. You may print or download one copy of a reasonable number of pages of the Website or Services for your own personal, non-commercial use and not for further reproduction, publication, or distribution. ​ Copyright Infringement and DMCA Policy If you believe that any content on the Website or Services infringes your copyright, please provide us with a written notice containing the following information: Your name, address, telephone number, and email address. A description of the copyrighted work that you claim has been infringed. A description of where the alleged infringing material is located on the Website or Services. A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law. An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest. A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf. ​ Please send your notice of claimed copyright infringement to our designated Copyright Agent: Copyright Agent PEN Business Solutions 304 Aububon Blvd., Suite 133 Lafayette, La 70503 Email: info@penbusinesssolutions.com ​ Upon receipt of your notice, we will take appropriate action, which may include removing or disabling access to the allegedly infringing material and/or terminating accounts of repeat infringers in accordance with applicable law. ​ Changes to This Policy We may update this Policy from time to time. Any changes will be effective upon posting the revised Policy on our Site. Your continued use of our Site or services constitutes your acceptance of the updated Policy. ​ Contact Us If you have any questions or concerns about this Policy or our privacy practices, please contact us at info@penbusinesssolutions.com

Introduction Thank you for choosing PEN Business Solutions ("Company", "we", or "us"). This No Refund Policy governs the purchase of our products and services through our website. By making a purchase on our website, you acknowledge that you have read, understood, and agree to be bound by this policy. If you do not agree with any part of this policy, please do not make a purchase on our website. ​ Scope This No Refund Policy applies to all products and services purchased from PEN Business Solutions through our website. ​ No Refunds We do not offer refunds for any products or services unless explicitly stated otherwise in writing by the Company. Once a purchase is made and payment is received, it is considered final and non-refundable. ​ Non-transferability Purchases made on our website are non-transferable. You may not transfer, resell, or assign your rights to any products or services purchased from us to any third party. ​ Exclusions While we strive to provide high-quality products and services, we cannot guarantee specific outcomes or results. Therefore, the lack of desired results or satisfaction with a product or service does not constitute grounds for a refund. ​ Chargebacks and Disputes If you initiate a chargeback or dispute with your credit card company or payment provider without contacting us first to attempt to resolve the issue, we reserve the right to suspend or terminate any ongoing services or future services associated with your account. ​ Exceptions In certain cases, we may, at our sole discretion, consider refund requests or make exceptions to this No Refund Policy. However, any such consideration or exception does not create an obligation for future refunds or modify the terms of this policy. ​ By making a purchase on our website, you agree to comply with this No Refund Policy. Thank you for choosing PEN Business Solutions! ​ Changes to This Policy We may update this Policy from time to time. Any changes will be effective upon posting the revised Policy on our Site. Your continued use of our Site or services constitutes your acceptance of the updated Policy. ​ Contact Us If you have any questions or concerns about this Policy or our privacy practices, please contact us at info@penbusinesssolutions.com

Introduction Thank you for choosing PEN Business Solutions ("Company", "we", or "us"). This Shipping and Delivery Policy outlines the terms and conditions regarding the shipping and delivery of products purchased from our website. By making a purchase on our website, you acknowledge that you have read, understood, and agree to be bound by this policy. If you do not agree with any part of this policy, please do not make a purchase on our website. ​ Order Processing 1.1. Order Confirmation: Once you place an order on our website, you will receive an order confirmation email containing the details of your purchase. Please review the order confirmation carefully and contact us immediately if you notice any errors. 1.2. Order Processing Time: We strive to process orders promptly. The processing time may vary depending on the product or service ordered. We will provide an estimated processing time during the checkout process or in the product description. Please note that the processing time does not include shipping transit time. ​ Shipping Methods 2.1. Shipping Carriers: We use reputable shipping carriers to deliver our products. The choice of carrier may depend on various factors, including the shipping destination and the nature of the product being shipped. 2.2. Shipping Options: We offer different shipping options during the checkout process. The available options and associated costs will be displayed for you to choose from. Please select the desired shipping option that best suits your needs. ​ Shipping Fees and Taxes 3.1. Shipping Fees: Shipping fees are calculated based on factors such as the shipping destination, the weight and dimensions of the package, and the chosen shipping option. The shipping fees will be clearly stated during the checkout process. 3.2. Taxes and Duties: Any applicable taxes, customs duties, or other fees imposed by the destination country or region are the responsibility of the recipient and may be collected at the time of delivery. Please check with the relevant authorities in your country for more information on any potential additional charges. Delivery Time 4.1. Estimated Delivery Time: The estimated delivery time will vary depending on the shipping destination, the chosen shipping option, and any unforeseen circumstances such as customs delays or natural disasters. We will provide an estimated delivery time during the checkout process or in the product description. 4.2. Delays: While we strive to deliver products within the estimated delivery time, please note that delays may occur due to factors beyond our control. We will make our best efforts to notify you in case of any significant delays. ​ Tracking and Delivery Confirmation 5.1. Tracking Information: Once your order is shipped, we will provide you with a tracking number and a link to track the status of your shipment. You can use this information to monitor the progress of your delivery. 5.2. Delivery Confirmation: Upon successful delivery of your order, a delivery confirmation may be provided by the shipping carrier. This confirmation serves as proof that the product has been delivered to the specified address. Address Accuracy and Undeliverable Packages 6.1. Address Accuracy: It is your responsibility to ensure that the shipping address provided during the checkout process is accurate and complete. We will not be held liable for any delays or additional charges resulting from incorrect or incomplete address information. 6.2. Undeliverable Packages: If a package is deemed undeliverable due to an incorrect address, refusal, or any other reason beyond our control, the package may be returned to us. In such cases, we will contact you to arrange for reshipment, subject to additional shipping fees. ​ Changes to This Policy We may update this Policy from time to time. Any changes will be effective upon posting the revised Policy on our Site. Your continued use of our Site or services constitutes your acceptance of the updated Policy. ​ Contact Us If you have any questions or concerns about this Policy or our privacy practices, please contact us at info@penbusinesssolutions.com

1. Overview At PEN Business Solutions, we strive to maintain clear and transparent billing practices to ensure a mutual understanding between our clients and our team. This Dispute Resolution Policy is designed to clarify our stance regarding payment disputes and to affirm the commitment of our clients to not dispute any agreed-upon payments once they are made. 2. Agreement to Terms By engaging with PEN Business Solutions for any services, clients agree to our financial terms as outlined in their specific contract or service agreement. This includes acknowledgment and acceptance of our Dispute Resolution Policy as part of our broader terms of service. 3. Payment Finality Clients agree that once a payment is made to PEN Business Solutions, it is considered final and non-disputable. This applies to all forms of payment transactions, including but not limited to upfront payments, deposits, and recurring payments. 4. Responsibility to Review Invoices Clients are responsible for reviewing all invoices and payment notices promptly upon receipt. Any questions or concerns regarding charges should be addressed before making a payment. By proceeding with payment, clients affirm that they have reviewed and agreed to the charges as accurate and appropriate. 5. No Payment Dispute Commitment Clients agree not to initiate chargebacks or disputes with their bank or any credit card issuer regarding payments made to PEN Business Solutions. Clients understand that any attempt to dispute a previously agreed-upon and executed payment is in violation of this policy. 6. Handling Discrepancies If a client believes there is a legitimate discrepancy in billing: Notification: The client must notify PEN Business Solutions within 10 business days of the invoice date, providing detailed reasons for the belief that the charge is incorrect. Investigation: PEN Business Solutions will investigate the claim and respond within 15 business days. During this period, clients agree to refrain from taking any actions to dispute the payment externally. Resolution: If the investigation determines that an adjustment is necessary, PEN Business Solutions will make the appropriate corrections to the billing and issue a revised invoice or credit. 7. Consequences of Violation Violating this policy by disputing a payment through external means after agreeing to the charges can result in immediate suspension of all services provided by PEN Business Solutions. It may also lead to additional administrative fees to cover the costs associated with resolving the dispute. 8. Amendments to Policy PEN Business Solutions reserves the right to modify this Dispute Resolution Policy at any time. Any amendments will be effective immediately upon being posted on our website or otherwise communicated to clients. By adhering to this Dispute Resolution Policy, clients help maintain a straightforward and effective working relationship with PEN Business Solutions, ensuring that all financial transactions are handled with professionalism and mutual respect.