Terms of Use

1. Agreement to Terms

By accessing and using the Solvera Insurance Advisors website ("Site"), you agree to comply with and be bound by these Terms of Use and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this Site. Solvera Insurance Advisors reserves the right to change these Terms of Use at any time without prior notice.

2. Information and Advice Disclaimer

The content on this Site, including all articles, educational materials, and product descriptions related to Life Insurance and Medicare, is provided for general informational purposes only.

• No Warranty of Accuracy: We make no warranties regarding the accuracy or completeness of the information provided on the Site.

• Not Professional Advice: The content does not constitute professional legal, tax, or financial planning advice. You should consult a qualified professional for advice specific to your individual situation.

• No Coverage is Bound: Insurance coverage cannot be bound, altered, or canceled via submission of any online form, email, or voicemail. Coverage, changes, additions, and/or deletions to insurance coverage are only effective when confirmed directly with a licensed Solvera Insurance Advisors agent.

3. User Obligations

When using this Site, you agree to:

• Comply with All Laws: Abide by all applicable local, state, national, and international laws and regulations.

• Prohibited Content: Not post, upload, or transmit any unlawful, libelous, defamatory, abusive, obscene, fraudulent, or harassing content, or content that violates the intellectual property rights of any third party.

• Prohibited Activity: Not attempt to gain unauthorized access to the Site's systems, accounts, or networks through hacking, password mining, or any other means.

• No Commercial Use: Use the Site solely for personal, non-commercial purposes, such as seeking information, obtaining quotes, or servicing your existing policies.

4. Limitation of Liability

To the maximum extent permitted by applicable law, Solvera Insurance Advisors, LLC, and its agents, employees, and affiliates shall not be liable for any direct, indirect, punitive, incidental, special, consequential damages, or any damages whatsoever, including, without limitation, damages for loss of use, data, or profits, arising out of or in any way connected with the use or performance of this Site.

This includes, but is not limited to, reliance by you on any information obtained from the Site, or that results from mistakes, omissions, interruptions, deletion of files, errors, defects, viruses, or any failure of performance.

5. Third-Party Links

This Site may contain links to third-party websites for your convenience (e.g., insurance carriers, regulatory bodies, or financial news). Solvera Insurance Advisors does not control these sites and is not responsible for their content or accuracy. The inclusion of any link does not imply endorsement by Solvera. You access these third-party sites at your own risk.

6. Governing Law

These Terms of Use are governed by the laws of the State of Minnesota and applicable federal law, without regard to its conflict of law principles. Any legal action or proceeding relating to your access to, or use of, the Site shall be instituted in a state or federal court in Hennepin County, Minnesota.