Last Updated: January 2025

1. Use of Our Services

Eligibility

You must be at least 18 years old to use our Services.By using our Site, you represent that you have the legal capacity to enter into a binding agreement.

Prohibited Activities

You agree not to:

Use our Services for any unlawful, fraudulent, or malicious purpose.Attempt to gain unauthorized access to our Site, servers, or networks.Interfere with the proper functioning of the Site or attempt to breach security measures.Use automated means (such as bots or scrapers) to access our Services without prior authorization.Misrepresent your identity or provide false information.

2. Intellectual Property Rights

All content on our Site, including text, graphics, logos, images, software, and other materials, is the exclusive property of PolicyAdvisor.io or its licensors. Unauthorized use, reproduction, or distribution of any content is strictly prohibited.

3. Disclaimers and Limitation of Liability

Disclaimer of Warranties

Our Services are provided "as is" and "as available" without warranties of any kind, whether express or implied.We do not guarantee the accuracy, completeness, or reliability of any information on our Site.We are not responsible for errors, omissions, or inaccuracies in the content provided.

Limitation of Liability

To the fullest extent permitted by law, PolicyAdvisor.io shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of our Services.We do not assume responsibility for third-party websites linked through our Site.

4. Privacy Policy

Your use of our Services is also governed by our Privacy Policy, which outlines how we collect, use, and protect your information. By agreeing to these Terms, you also agree to the terms of our Privacy Policy.

5. User Accounts and Security

If you create an account with us, you are responsible for maintaining the confidentiality of your login credentials.You agree to notify us immediately of any unauthorized access or security breach involving your account.We reserve the right to terminate accounts suspected of fraudulent or abusive activity.

6. Third-Party Links and Services

Our Site may contain links to third-party websites and services. We do not endorse, control, or assume responsibility for the content, policies, or practices of any third-party websites. Use of third-party services is at your own risk.

7. Termination and Suspension

We reserve the right to:

Suspend or terminate your access to our Services at any time, with or without cause.Remove or modify any content that violates these Terms or applicable laws.Investigate any suspected breach of these Terms and take appropriate legal action.

8. Indemnification

You agree to indemnify and hold harmless PolicyAdvisor.io, its affiliates, officers, directors, employees, and agents from any claims, damages, liabilities, or expenses arising from your violation of these Terms or misuse of our Services.

9. Modifications to Terms

We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of our Services after changes are made constitutes acceptance of the revised Terms.

10. Governing Law and Dispute Resolution

These Terms are governed by and interpreted in accordance with the laws of [Insert Jurisdiction].Any disputes arising from these Terms shall be resolved through arbitration in [Insert Jurisdiction] in accordance with applicable arbitration laws.

11. Contact Information

For any questions or concerns regarding these Terms, please contact us at:

Email: [email protected]

By using our Services, you acknowledge that you have read, understood, and agreed to these Terms and Conditions.