Effective Date: November 01, 2024

Welcome to EverGuard Advisors

Welcome to EverGuard Advisors ("EverGuard," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website, services, and applications (collectively, the "Services"). Please read these Terms carefully before using our Services.

1. Acceptance of Terms

By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy. If you disagree with any part of these Terms, you must not use our Services. If you are using our Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

2. Eligibility

You must be at least 18 years old to use our Services. By using our Services, you represent and warrant that you meet this requirement.

3. Services Description

We provide life insurance services and related information through our platform. All services are subject to availability and may change without notice. We reserve the right to modify, suspend, or discontinue any part of our Services at any time.

4. Account Responsibilities

4.1 Account Creation

*You may need to create an account to access certain features

*You must provide accurate, current, and complete information

*You are responsible for maintaining the confidentiality of your account information

4.2 Account Security

*You are responsible for all activities under your account

*Notify us immediately of any unauthorized use

*We reserve the right to suspend or terminate accounts for any reason

5. User Conduct

You agree not to:

*Violate any applicable laws or regulations

*Impersonate any person or entity

*Interfere with or disrupt our Services

*Attempt to gain unauthorized access to our systems

*Upload or transmit malicious code

*Collect user information without consent

*Use our Services for commercial purposes without our consent

6. TCPA Compliance and Communications Consent

By submitting your contact information:

*You expressly consent to receive communications (calls, SMS, emails) from EverGuard Advisors and its partners

*This consent applies even if you're on state or federal Do-Not-Call lists

*You acknowledge that consent isn't required to purchase products/services

*You may opt-out at any time by Replying "STOP" to text messages

*Using email unsubscribe links

*Contacting us directly

7. Intellectual Property Rights

7.1 Our Content

*All content on our Services is owned by or licensed to EverGuard

*This includes text, graphics, logos, images, software, and designs

*You may not use our content without explicit permission

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access our Services for personal use.

8. Third-Party Content and Links

*Our Services may contain links to third-party websites

*We are not responsible for third-party content

*Third-party interactions are solely between you and the third party

9. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" WITHOUT ANY WARRANTIES, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING:

*MERCHANTABILITY

*FITNESS FOR A PARTICULAR PURPOSE

*NON-INFRINGEMENT

10. Limitation of Liability

To the maximum extent permitted by law, EverGuard Advisors and its officers, directors, employees, agents, and affiliates shall not be liable for:

*Any indirect, incidental, special, consequential, or punitive damages

*Loss of profits, data, use, goodwill, or other intangible losses

*Any damages arising from Use or inability to use our Services

*Unauthorized access to your account

*Statements or conduct of third parties

*Our total liability shall not exceed the amount paid by you, if any, for accessing our Services in the past twelve months.

11. Indemnification

You agree to indemnify, defend, and hold harmless EverGuard Advisors and its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

*Your use of our Services

*Your violation of these Terms

*Your violation of any rights of another party

12. Service Interruptions and Force Majeure

We are not liable for any failure or delay in performing our obligations due to events beyond our reasonable control, including:

*Natural disasters

*Power failures

*Network disruptions

*Acts of terrorism

*Government actions

*Pandemics

13. Governing Law and Jurisdiction

These Terms are governed by Arizona law. Any disputes shall be resolved exclusively in the state or federal courts located in Arizona.

14. Dispute Resolution

14.1 Informal Resolution

Before filing a claim, you agree to attempt to resolve the dispute informally by contacting us.

14.2 Arbitration

If informal resolution fails, disputes will be resolved through binding arbitration in Arizona, except where prohibited by law.

15. Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect.

16. Changes to Terms

We may modify these Terms at any time. Changes will be effective upon posting to our website. Your continued use of our Services constitutes acceptance of modified Terms.

17. California Residents

California residents have specific rights regarding personal information under the CCPA. See our Privacy Policy for details.

18. Contact Information

For questions about these Terms, contact us:

EverGuard Advisors

6464 E Greenway Rd Suite 112

Phoenix, AZ 85254

[email protected]

Please learn more by visiting our home page.