Terms of service.

The Website is attorney advertising under the rules of the Supreme Court of Missouri and the rules of professional conduct of other jurisdictions in which our attorneys are licensed. The information on the Website is provided for general informational and educational purposes. Prior results do not guarantee a similar outcome.

The attorney responsible for the content of this Website is Stanley Tate. Tate Esq, LLC is principally located at 222 S Meramec Ave, Suite 202-1096, St. Louis, MO 63105.

Stanley Tate is admitted to practice law in the State of Missouri. He is also admitted to practice before various federal courts, including the U.S. District Courts for the Eastern District of Missouri, the Western District of Missouri, and the District of Maryland. He is not licensed in every state. Where representation requires admission to a court or jurisdiction in which he is not licensed, we associate with local counsel, seek pro hac vice admission, or refer the matter to qualified counsel in that jurisdiction.

Visiting the Website, reading our content, contacting us through a form, scheduling or attending a free or paid consultation, or sending us an email or message does not create an attorney-client relationship.

An attorney-client relationship with Tate Esq, LLC is formed only when:

1. We mutually agree in writing to enter into a representation;
2. You sign a written engagement agreement; and
3. You pay any required retainer or fee, if applicable.

Until all three conditions are satisfied, we are not your attorneys and you are not our client. Information you send us before that point is not protected by the attorney-client privilege in the same way as communications with retained counsel, although we will treat it as confidential to the extent required by applicable rules of professional conduct.

Do not send us time-sensitive, confidential, or sensitive information through the Website until we have confirmed in writing that we are willing and able to consider representing you. If you have a deadline, contact us by phone immediately and consult other counsel if we cannot represent you.

The content on the Website — including articles, videos, newsletters, downloadable resources, calculators, and any other materials — is for general informational and educational purposes only. It is not legal advice and is not a substitute for legal advice from a licensed attorney about your specific situation.

Student loan law, bankruptcy law, and consumer financial protection law are complex, change frequently, and apply differently depending on your facts, your state, your loan type, your servicer, and many other variables. Do not act or refrain from acting based on anything you read or watch on the Website without first speaking to a qualified attorney about your circumstances.

We make reasonable efforts to keep the Website accurate and current, but we make no warranty that the content is complete, current, or free of errors. Laws, regulations, agency guidance, and court decisions referenced on the Website may have changed since publication.

Any case results, testimonials, or examples described on the Website reflect the specific circumstances of those matters and the law in effect at the time. Prior results do not guarantee, warrant, or predict a similar outcome in any other matter. Each case is different, and the outcome of your matter will depend on your facts, the applicable law, and many other factors outside our control.

The Website is intended for use by adults 18 years of age or older. By using the Website, you represent that you meet this requirement and that any information you submit is accurate and provided in good faith.

You agree not to:

• Use the Website to transmit unlawful, threatening, harassing, defamatory, or fraudulent content
• Submit information about another person without that person’s authorization
• Attempt to gain unauthorized access to the Website, our systems, or the data of other users
• Interfere with the operation of the Website (including by introducing malware, denial-of-service activity, automated scraping, or excessive crawling)
• Use the Website to compete with us, including by training or fine-tuning artificial intelligence models on our content without our written consent
• Reverse engineer, decompile, or attempt to extract source code from the Website
• Misrepresent your identity, affiliation, or relationship with us
• Use the Website in violation of any applicable law or these Terms

We may suspend or terminate your access to the Website if we believe you have violated these Terms or applicable law.

The Website and all content we publish on it — including articles, videos, newsletters, graphics, photographs, illustrations, audio, code, layouts, branding, the “Tate Esq” name and logo, and the selection and arrangement of all of the above — are owned by Tate Esq, LLC or our licensors and are protected by U.S. and international copyright, trademark, and other intellectual property laws.

We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Website for your personal, non-commercial use. You may share links to our content and quote brief, properly attributed excerpts consistent with fair use. You may not copy, reproduce, republish, distribute, modify, sell, or create derivative works from our content for commercial purposes — including ingestion into machine learning datasets, generative AI training, or competitive content production — without our prior written consent.

If you believe content on the Website infringes your copyright, send a notice that complies with the Digital Millennium Copyright Act (17 U.S.C. § 512(c)(3)) to support@tateesq.com.

If you submit information, comments, questions, suggestions, or other content to us through the Website (other than information shared in connection with a prospective or active legal matter), you represent that the submission is your own and does not infringe any third party’s rights.

By submitting non-matter-related content to us, you grant Tate Esq, LLC a worldwide, royalty-free, perpetual, irrevocable license to use, reproduce, adapt, and publish the submission in connection with our Services and educational content. We will not publicly identify you as the source without your consent.

This section does not apply to information you submit as part of a consultation request, intake form, document upload, or active representation. That information is governed by our Privacy Policy and, if you become a client, your engagement agreement.

The Website may link to or embed third-party websites, services, and content (including video platforms, government resources, and social media). We provide these links for convenience and do not control, endorse, or assume responsibility for the content, privacy practices, or terms of any third party. Your interactions with third parties are solely between you and them.

By providing your phone number or email address, you consent to receive communications from us regarding your inquiry, consultation, or representation, including transactional emails, scheduling messages, and document signing requests. Standard message and data rates may apply.

If you opt in to our newsletter or marketing communications, you may unsubscribe at any time using the link in any message. Unsubscribing from marketing does not affect transactional or matter-related communications.

THE WEBSITE AND THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. To the fullest extent permitted by law, we disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, and uninterrupted availability.

We do not warrant that the Website will be available, secure, or error-free; that the information is current, complete, or accurate; that defects will be corrected; that the Website is free of viruses or other harmful components; or that any particular outcome will result from your use of the Website.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

TO THE FULLEST EXTENT PERMITTED BY LAW, TATE ESQ, LLC AND ITS MEMBERS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF — OR INABILITY TO USE — THE WEBSITE OR THE SERVICES.

To the fullest extent permitted by law, our total aggregate liability for any claim arising out of or relating to the Website or these Terms is limited to one hundred U.S. dollars (USD $100) or the amount you paid us, if any, for access to the specific Website feature giving rise to the claim, whichever is greater.

This section does not apply to the professional responsibilities we owe to clients with whom we have a written engagement agreement, or any liability that cannot be limited or excluded under applicable law.

You agree to indemnify, defend, and hold harmless Tate Esq, LLC and its members, employees, contractors, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your violation of these Terms, your misuse of the Website, your violation of any law or third-party right in connection with your use of the Website, or content you submit to us in violation of Section 7.

This section does not apply to any liability arising from our representation of clients under a written engagement agreement.

We may suspend or terminate your access to the Website at any time, with or without notice, if we believe you have violated these Terms, applicable law, or the rights of any person. We may also discontinue all or part of the Website at any time.

The provisions of these Terms that by their nature should survive termination — including Sections 6 (Intellectual Property), 10 (Disclaimers), 11 (Limitation of Liability), 12 (Indemnification), and 14 (Governing Law) — will survive.

These Terms and any dispute arising out of or relating to them or the Website are governed by the laws of the State of Missouri, without regard to its conflict-of-laws principles. If you are a consumer and your local law guarantees you mandatory protections that the laws of Missouri do not, those mandatory protections still apply to you.

Before filing any claim, you agree to first contact us at support@tateesq.com and provide a written description of the dispute and the relief you are seeking. We will attempt in good faith to resolve the dispute informally for at least 30 days before either of us pursues formal resolution.

Subject to the informal-resolution requirement above, any action arising out of or relating to these Terms or the Website must be brought exclusively in the state or federal courts located in the City of St. Louis, Missouri. You and we waive any right to a jury trial in any action arising out of or relating to these Terms or the Website to the fullest extent permitted by law.

We have intentionally not included a binding arbitration clause or a class-action waiver applicable to non-clients, because we want disputes about our public-facing content and Website to be resolved through ordinary judicial process.

Severability and waiver. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any provision is not a waiver of our right to do so later.

Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, sale of assets, or by operation of law.

Entire agreement. These Terms — together with our Privacy Policy, Cookie Policy, and Accessibility Statement, and any engagement agreement you sign with us — constitute the entire agreement between you and Tate Esq, LLC concerning your use of the Website.

Changes. We may update these Terms from time to time. When we do, we will update the “Last Updated” date at the top of this page. If the changes are material, we will provide additional notice. Your continued use of the Website after the updated Terms take effect constitutes acceptance.

Questions about these Terms? Contact us at:

Tate Esq, LLC 222 S Meramec Ave, Suite 202-1096 St. Louis, MO 63105 Email: support@tateesq.com