Effective date: October 1, 2026
These Terms & Services ("Terms") govern your access to and use of the website financialpredator.com (the "Site") operated by Financial Predator ("we," "us," or "our"), including all content, tools, quote request forms, newsletter subscriptions, and downloadable materials. By accessing the Site, you agree to these Terms. If you do not agree, do not use the Site.
You must be at least eighteen years of age and capable of entering a binding contract to use our services. When you submit information through the Site, you represent that all details are accurate, current, and complete. You are responsible for maintaining the confidentiality of any credentials issued for client portals and for all activity occurring under your account.
Financial Predator is an insurance advisory and brokerage platform. We help consumers and businesses compare, apply for, and service insurance products underwritten by third-party carriers ("Insurers"). We are not an Insurer unless explicitly stated on a specific policy document. Coverage is not bound, modified, or cancelled through the Site alone; binding actions require Insurer approval, payment of premium where applicable, and delivery of policy documents.
Descriptions on the Site are general in nature and do not amend or replace policy language. In the event of a conflict between Site content and an issued policy, the policy controls. Availability of products varies by jurisdiction and underwriting guidelines.
Online quotes and premium estimates are non-binding and subject to verification of application data, claims history, credit-based insurance scores where permitted, inspections, and Insurer filing rules. We may adjust or withdraw a quote if material information changes. You agree to review final declarations pages and endorsements before relying on coverage.
Some service tiers described on our Pricing page may include advisory or account management fees separate from insurance premiums. Fee schedules will be disclosed in writing before you incur charges. Premiums are payable to Insurers or their billing partners according to installment plans you select.
You agree not to misuse the Site, including by attempting unauthorized access, scraping data, introducing malware, impersonating others, submitting fraudulent claims information, or using automated systems that impose unreasonable load. We may suspend access to protect the Site, our clients, and partner Insurers.
The Site design, logos, text, graphics, and software are owned by Financial Predator or licensed to us and protected by intellectual property laws. You may view and print pages for personal, non-commercial use. You may not reproduce, distribute, or create derivative works without prior written consent.
By providing your email address or using web forms, you consent to receive transactional and service-related communications electronically. Marketing emails are sent only with appropriate consent and include unsubscribe options. See our Privacy Policy for data handling practices.
The Site may link to Insurer portals, payment processors, or educational resources operated by third parties. We do not control and are not responsible for third-party content or privacy practices. Your use of third-party services is subject to their terms.
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.
Insurance involves risk transfer subject to policy exclusions and conditions. We do not guarantee claim payment; claim decisions are made by Insurers based on policy terms and investigated facts.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINANCIAL PREDATOR AND ITS OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SITE OR INSURANCE PRODUCTS PROCURED THROUGH US, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Our aggregate liability for direct damages arising from these Terms or the Site shall not exceed the greater of (a) fees you paid to us for advisory services in the twelve months preceding the claim or (b) one hundred dollars (USD).
You agree to indemnify and hold harmless Financial Predator from claims, losses, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms, misuse of the Site, or inaccurate information you provide in applications or claims submissions.
Before initiating formal proceedings, you agree to contact us at support@financialpredator.com to attempt informal resolution. If a dispute remains unresolved, it shall be resolved through binding arbitration on an individual basis, except that either party may seek injunctive relief for intellectual property misuse. Class actions and class arbitrations are waived to the extent permitted by law.
These Terms are governed by applicable insurance and consumer protection laws of the jurisdiction in which your policy is issued or, for Site-only disputes, the laws specified in your separate client agreement. Mandatory consumer protections in your jurisdiction remain in effect where they cannot be waived.
We may update these Terms to reflect regulatory changes, new services, or security requirements. Material changes will be posted on this page with an updated effective date. Continued use after changes constitutes acceptance.
Questions about these Terms may be directed to support@financialpredator.com.
