TERMS OF SERVICE

OVERVIEW

This website is operated by Demo Advisor Company. Throughout the site, the terms "we", "us" and "our" refer to Demo Advisor Company. When you submit information through this website, you are requesting information about our professional services and consenting to be contacted by our team.

By visiting our site and submitting your information, you engage in our "Service" and agree to be bound by the following terms and conditions ("Terms of Service", "Terms"), including those additional terms and conditions and policies referenced herein and/or available by hyperlink.

These Terms of Service apply to all users of the site.

Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services.

SECTION 1 - WEBSITE TERMS

By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.

You may not use our services for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).

SECTION 2 - GENERAL CONDITIONS

We reserve the right to refuse service to anyone for any reason at any time.

You understand that when you submit information through our website, you are requesting information about our services and consenting to be contacted by our team regarding how we can assist you.

SECTION 3 - OUR SERVICES

When you submit information requesting information about our services: you acknowledge this constitutes an inquiry about our professional services; we collect and process your personal information to respond to your inquiry; we may contact you via phone, email, or SMS to discuss your needs and how we can help; and we do not guarantee acceptance of your case or inquiry.

SECTION 4 - DATA COLLECTION AND PROCESSING

When you submit personal information through forms on our website, you acknowledge and agree that: we collect and process your personal information as part of our business operations; your information may be stored in customer relationship management (CRM) systems; we use third-party technology platforms (such as Smart Annuity Planning) to process and manage your information on our behalf; and we retain your information according to our Privacy Policy and business requirements.

SECTION 5 - COMMUNICATION SERVICES AND CONSENT

By using our services and providing your contact information, you provide your express written consent to receive communications from us via phone, email, and SMS, including through the use of automated telephone dialing systems, artificial or pre-recorded voice messages, and ringless voicemails.

You agree that this consent applies even if your number is listed on any internal, state, or federal Do Not Call registry.

Standard message and data rates may apply to SMS communications. You may opt out of communications at any time by replying "STOP" to any message or using the methods described in our Privacy Policy.

SECTION 6 - TECHNOLOGY PLATFORM

We use third-party technology platforms to process and manage your inquiry, deliver educational content, and manage communications. Our technology providers act as data processors on our behalf. While they process your information for us, Demo Advisor Company remains the primary controller of your personal information and is responsible for how it is used.

SECTION 7 - EDUCATIONAL CONTENT DISCLAIMER

Any educational content, resources, guides, videos, or materials provided on this website are for informational purposes only. This content is not professional financial, legal, or tax advice; should not be used as a substitute for consultation with qualified professionals; and is provided without warranty of any kind.

No Client Relationship: Your use of this website, including downloading materials or booking an appointment, does not establish a fiduciary or professional client relationship between you and Demo Advisor Company. A client relationship is only established upon the signing of a formal Written Engagement Agreement.

SECTION 8 - ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION

We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.

SECTION 9 - MODIFICATIONS TO THE SERVICE

We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time. We shall not be liable to you or to any third-party for any modification, suspension or discontinuance of the Service.

SECTION 10 - THIRD-PARTY TOOLS AND SERVICES

We may provide you with access to third-party tools and services over which we neither monitor nor have any control nor input. You acknowledge and agree that we provide access to such tools and services "as is" and "as available" without any warranties, representations or conditions of any kind and without any endorsement.

SECTION 11 - PERSONAL INFORMATION AND SMS PRIVACY

Your submission of personal information through our site is governed by our Privacy Policy.

Mobile Information Sharing: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

SECTION 12 - PROHIBITED USES

In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content for any unlawful purpose, to solicit others to perform or participate in any unlawful acts, or to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances.

SECTION 13 - DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.

Professional Services Disclaimer: We provide professional services based on our experience and expertise, but cannot guarantee specific investment outcomes or results. Success depends on many factors outside our control. Past performance is not indicative of future results.

In no case shall Demo Advisor Company, its directors, officers, employees, affiliates, agents, contractors, suppliers, or service providers be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind arising from your use of our website.

SECTION 14 - INDEMNIFICATION

You agree to indemnify, defend and hold harmless Demo Advisor Company and its affiliates, partners, officers, directors, agents, contractors, and service providers, harmless from any claim or demand, including reasonable attorneys' fees, made by any third-party due to or arising out of your breach of these Terms of Service.

SECTION 15 - SEVERABILITY

In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service.

SECTION 16 - TERMINATION

These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by ceasing to use our services.

SECTION 17 - ENTIRE AGREEMENT

These Terms of Service and any policies or operating rules posted by us on this site constitutes the entire agreement and understanding between you and us. Specific service agreements and contracts for professional services are separate from and in addition to these website Terms of Service.

SECTION 18 - GOVERNING LAW

These Terms of Service shall be governed by and construed in accordance with the laws of the State of New York.

SECTION 19 - DISPUTE RESOLUTION AND ARBITRATION

Any dispute, controversy, or claim arising out of or relating to these Terms of Service, including the breach, termination, or validity thereof, shall be finally resolved by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The place of arbitration shall be the county in which Demo Advisor Company is headquartered. Judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof.

Class Action Waiver: You and Demo Advisor Company agree that any proceedings to resolve or litigate any dispute will be conducted solely on an individual basis. You agree not to seek to have any dispute heard as a class action, a representative action, a collective action, a private attorney general action, or in any proceeding in which either party acts or proposes to act in a representative capacity.

SECTION 20 - CHANGES TO TERMS OF SERVICE

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website.

SECTION 21 - CONTACT INFORMATION

For questions about these Terms of Service, please contact us at:

Company: Demo Advisor Company

Email: [email protected]

Phone: 916-823-8315

Address: 1234 Demo Road, Demo Town, ST 76542

These terms are subject to change without notice. The current version will always be available on our website.