Terms of Service

1. Acceptance of Terms

By accessing or using the ProtecWise website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.

2. Description of Services

ProtecWise provides insurance and financial planning services, including but not limited to insurance quotes, policy management, financial education, and consultation services. The specific services available may vary based on your location and eligibility.

3. User Accounts and Responsibilities

Some features of our services may require you to create an account. You are responsible for maintaining the confidentiality of your account information and for all activities that occur under your account. You agree to provide accurate and complete information when creating an account and to update your information as needed.

4. Use of Website and Services

You agree to use our website and services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use our services in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any part of our services
• Interfere with or disrupt the operation of our services
• Collect or store personal information about other users without their consent
• Impersonate any person or entity or misrepresent your affiliation with a person or entity

5. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of ProtecWise or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content without our express written permission.

6. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, secure, or error-free. We make no warranties regarding the accuracy, reliability, or completeness of any information provided through our services.

7. Limitation of Liability

To the maximum extent permitted by law, ProtecWise shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of our services, even if we have been advised of the possibility of such damages.

8. Indemnification

You agree to indemnify and hold harmless ProtecWise and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your use of our services or violation of these Terms.

9. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. We will notify you of any changes by posting the new Terms on this page and updating the "Last Updated" date. Your continued use of our services after such changes constitutes your acceptance of the new Terms.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. Any legal action arising out of or relating to these Terms shall be filed only in the state or federal courts located in New York County, New York, and you consent to the exclusive jurisdiction of such courts.

11. Contact Information

If you have any questions or concerns about these Terms of Service, please contact us at:

Email: legal@protecwise.com
Phone: (555) 123-4567
Address: 123 Insurance Way, Financial District, NY 10001