These Terms of Use ("Terms") govern your access to and use of [principalguardretirement.com] (the "Site"), operated by [Legal Entity Name] ("PrincipalGuard," "we," "us"). By using the Site or submitting a form, you agree to these Terms. If you do not agree, do not use the Site.
1. What PrincipalGuard Is — and Is Not
PrincipalGuard is a marketing and lead-referral service. We are not a licensed insurance agency, broker-dealer, investment adviser, law firm, or accounting firm, and we do not provide financial, investment, insurance, tax, or legal advice or recommendations. Any products or strategies described on the Site are offered solely by independently licensed professionals, who are solely responsible for the advice and services they provide.
2. No Advice; No Offer
Content on the Site is for general informational and marketing purposes only. It is not an offer or solicitation to buy or sell any product or security, and it does not constitute individualized advice. You should consult a licensed professional and your own advisers before making any financial decision.
3. No Guarantees
Any figures, rates, or outcomes referenced on the Site are illustrative and depend on the specific product, carrier, and your individual circumstances. Guarantees associated with insurance products are backed solely by the claims-paying ability of the issuing insurance carrier and are not guaranteed by PrincipalGuard or any government agency. Past performance does not guarantee future results.
4. Eligibility
You must be at least 18 years old and a resident of the United States to use the Site and submit a request.
5. Your Submissions
You agree that the information you submit is accurate and that you are authorized to provide the contact details entered. You consent to be contacted as described in our Privacy Policy.
6. Third-Party Professionals & Links
When we connect you with a licensed professional, that professional operates independently. We do not control and are not responsible for their conduct, advice, products, or services, or for any third-party websites linked from the Site.
7. Intellectual Property
The Site and its content, logos, and marks are owned by [Legal Entity Name] or its licensors and are protected by law. You may not copy, reproduce, or distribute Site content without permission.
8. Disclaimer of Warranties
The Site is provided "as is" and "as available," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure.
9. Limitation of Liability
To the fullest extent permitted by law, PrincipalGuard will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss arising from your use of the Site or from services provided by any licensed professional to whom you are referred.
10. Indemnification
You agree to indemnify and hold harmless PrincipalGuard from claims arising out of your use of the Site or violation of these Terms.
11. Governing Law
These Terms are governed by the laws of the State of [State], without regard to conflict-of-laws rules. Any dispute will be resolved in the state or federal courts located in [County, State].
12. Changes
We may modify these Terms at any time. Continued use of the Site after changes take effect constitutes acceptance.
13. Contact
[Legal Entity Name]
[Mailing Address]
[Phone] | [Email]