When you use the services offered through advisersmart.com, including requesting quotes for their services, calling their phone number, signing up for news and information, or by any other means they make available, you are bound by the Terms of Use outlined below. If you do not agree to these terms, you are prohibited from using the Site. The Site is governed by the following terms and conditions and is provided to you by advisersmart.com and its subsidiaries and affiliates.

Our Service:
advisersmart.com provides you with the opportunity to obtain quotes from insurance carriers and financiers. By providing certain information regarding your needs, they attempt to match you with appropriate offerings. However, they do not provide tax or financial advice, and they do not guarantee that any policy for which you apply will be approved, or that any insurance carrier or other service provider to which they link will review your application or contact you.

They are not responsible for the conduct of the insurance carriers and other companies whose products may be displayed on the Site. The policy provided by any service provider will be subject to the terms and conditions under which it issued, and they have no control over such terms and conditions. While they make every attempt to publish current information regarding a variety of insurance offerings, such information is presented without guarantee or warranty. After selecting a link to an insurance carrier or other service provider, you will be taken to such party’s site where you can review the applicable terms and conditions.

Accessing Our Site:
You may only use the Site if you are at least 14 years old and live in the United States. They reserve the right, for any reason, in their sole discretion, to terminate, change, suspend or discontinue any aspect of the Site. They may also impose limits on certain features of the Site or restrict your access to part of or the entire Site, without notice or penalty. They do not charge users for the use of the Site. They may be compensated by insurance carriers or other companies advertising on the Site.

User Data (Consent to Contact):
When you use the Site, you may be asked to provide information or materials to them (“User Data”). User Data includes, for example, information you submit to them via your request for quotes. Their information collection and use practices with respect to User Data are set forth in their Privacy Policy which is incorporated herein by reference for all purposes. You acknowledge and agree that you are solely responsible for the accuracy and content of the User Data. They cannot be responsible for maintaining any User Data that you provide to them, and they may delete or destroy any such User Data at any time. They reserve the right to refuse to post or to remove any User Data, in whole or in part, that, in their sole discretion, is unlawful, unacceptable, undesirable, inappropriate, or in violation of these Terms of Use.

By providing your contact information to them through the Site, you are registering to receive communications from them directly, on their website or through a third party. They will periodically send you newsletters and other emails with offers and promotions. They may also contact you by telephone using an automated dialing system along with a pre-recorded message or interactive voice response system. If you no longer wish to receive these communications, please let them know by sending an email to Customer Care at info@advisersmart.com. You may also opt-out by clicking on the unsubscribe link in their emails.

Exclusive Ownership of Rights:
The Site and any necessary software used in connection with the Site contain proprietary and confidential information that is protected by intellectual property laws in applicable jurisdictions. You acknowledge and agree that information and materials presented through the Site are protected by copyrights, trademarks, service marks, patents or other proprietary rights and laws. Except as expressly permitted by applicable law or as authorized Indemnification You agree to indemnify, defend, and hold harmless advisersmart.com and its affiliates, officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, and expenses, including, without limitation, reasonable legal and accounting fees, arising out of or in any way connected with your access to or use of the Site or your violation of these Terms of Use.

Limitation of Liability:
In no event shall advisersmart.com or its affiliates, officers, directors, employees, agents, or licensors be liable for any direct, indirect, incidental, special, or consequential damages arising out of or in any way connected with your use of, or inability to use, the Site or any information or services obtained through the Site, including, without limitation, damages for loss of profits, goodwill, use, data or other intangible losses (even if we have been advised of the possibility of such damages).

Termination:
We reserve the right, in our sole discretion, to terminate your access to the Site and any related services or any portion thereof at any time, without notice.

Governing Law and Dispute Resolution:
These Terms of Use shall be governed by and construed in accordance with the laws of the State of California, without giving effect to any principles of conflicts of law. Any dispute arising out of or in connection with these Terms of Use, or your use of the Site, shall be resolved exclusively through binding arbitration before a single arbitrator in accordance with the rules of the American Arbitration Association, with the arbitration to be held in Los Angeles, California.

Changes to These Terms of Use:
We reserve the right to modify these Terms of Use at any time without prior notice. Your use of the Site following any such modification constitutes your agreement to follow and be bound by the Terms of Use as modified.

Entire Agreement:
These Terms of Use and the Privacy Policy constitute the entire agreement between you and advisersmart.com with respect to the use of the Site and supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and advisersmart.com with respect to the Site.

Waiver and Severability:
Our failure to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. If any provision of these Terms of Use is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these Terms of Use shall remain in full force and effect.

Contact Information:
If you have any questions or comments about these Terms of Use, please contact us at info@advisersmart.com.