Terms and Conditions for AeternaPillar.com
Effective Date: July 18, 2025
1. AGREEMENT TO TERMS
Welcome to AeternaPillar.com (the “Site”). These Terms and Conditions (“Terms”) constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”), and AeternaPillar.com (“we,” “us,” or “our”), concerning your access to and use of the Site.
You agree that by accessing the Site, you have read, understood, and agree to be bound by all of these Terms. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SITE AND YOU MUST DISCONTINUE USE IMMEDIATELY.
2. CRITICAL DISCLAIMER: NOT INSURANCE OR FINANCIAL ADVICE
The content provided on AeternaPillar.com is for informational and educational purposes only. The Site cannot and does not contain insurance, financial, or legal advice. The information is general in nature and is not tailored to your specific circumstances.
Accordingly, before taking any actions based upon such information, we strongly encourage you to consult with an appropriate licensed professional.
- Not a Substitute for Professional Advice: The content is not a substitute for professional advice from a qualified and licensed insurance agent, broker, financial advisor, or attorney who can assess your individual needs.
- No Solicitation or Offer: The information on this Site is not an offer to sell, or a solicitation to buy, any insurance product or security.
- No Professional Relationship: Your use of the Site does not create a professional, advisory, or fiduciary relationship between you and AeternaPillar.com or any of its authors. We are an educational resource, not a licensed agency or brokerage.
YOUR USE OF OR RELIANCE ON ANY INFORMATION CONTAINED ON THIS SITE IS SOLELY AT YOUR OWN RISK.
3. INTELLECTUAL PROPERTY RIGHTS
Unless otherwise indicated, the Site and all of its original content (including text, articles, graphics, and logos) are our proprietary property and are protected by copyright and other intellectual property laws. Your use of the Site is subject to our Copyright Protection Notice, which is incorporated into these Terms by this reference.
4. USER REPRESENTATIONS
By using the Site, you represent and warrant that: (a) you have the legal capacity and you agree to comply with these Terms; (b) you will not use the Site for any illegal or unauthorized purpose; and (c) your use of the Site will not violate any applicable law or regulation.
5. PROHIBITED ACTIVITIES
You may not access or use the Site for any purpose other than that for which we make it available. Prohibited activity includes, but is not limited to:
- Using the Site in any way that violates any applicable federal, state, or local laws or regulations governing insurance or financial services.
- Making any unauthorized use of the Content for any commercial purpose.
- Misrepresenting yourself or your qualifications to provide advice to others based on the information from this Site.
- Posting any content that is false, misleading, or defamatory.
6. USER-GENERATED CONTRIBUTIONS
The Site may invite you to post comments or other content (“Contributions”). You agree that:
- You are solely responsible for your Contributions.
- You will not post Contributions that contain or solicit personalized insurance or financial advice.
- You will not post any confidential or personally identifiable information about yourself or others.
- We reserve the right, in our sole discretion, to remove any Contribution that violates these Terms or is otherwise objectionable.
7. SITE MANAGEMENT
We reserve the right, but not the obligation, to: (a) monitor the Site for violations of these Terms; (b) take appropriate legal action against anyone who, in our sole discretion, violates the law or these Terms; and (c) manage the Site in a manner designed to protect our rights and property.
8. TERM AND TERMINATION
These Terms shall remain in full force and effect while you use the Site. WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SITE TO ANY PERSON FOR ANY REASON.
9. GOVERNING LAW
These Terms and your use of the Site are governed by and construed in accordance with the laws of the State of [Your State, e.g., Texas], USA, applicable to agreements made and to be entirely performed within that state.
10. DISPUTE RESOLUTION
To expedite resolution of any dispute, you agree to first attempt to negotiate any dispute informally for at least thirty (30) days before initiating arbitration or court action. Such informal negotiations commence upon written notice.
11. GENERAL DISCLAIMER
THE SITE IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SITE WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SITE AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SITE’S CONTENT.
12. LIMITATIONS OF LIABILITY
IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PREMIUMS PAID, DENIAL OF CLAIMS, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SITE OR YOUR RELIANCE ON ANY INFORMATION PROVIDED, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
13. INDEMNIFICATION
You agree to defend, indemnify, and hold us harmless from and against any loss, damage, liability, claim, or demand, including reasonable attorneys’ fees and expenses, made by any third party due to or arising out of: (a) your Contributions; (b) your use of the Site; or (c) your breach of these Terms.
14. USER DATA
We will maintain certain data that you transmit to the Site for the purpose of managing its performance. For more information on our data practices, please review our [Link to Your Privacy Policy].
15. MISCELLANEOUS
These Terms and any policies posted by us on the Site constitute the entire agreement between you and us. Our failure to exercise or enforce any right or provision shall not operate as a waiver of such right or provision.
16. CONTACT US
To resolve a complaint regarding the Site or to receive further information, please contact us at:
contact@aeternapillar.com