Terms of Use

These Terms of Use (“Terms”) govern your access to and use of thekuorumcollective.com(the “Site”), which is operated by The Kuorum Collective (“TKC,” “we,” “our,” or “us”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.

1. Eligibility and Permitted Use

The Site is intended for licensed insurance and financial professionals and authorized partners of TKC. You represent that you are at least 18 years old, that you have the legal authority to enter into these Terms, and that your use of the Site complies with all applicable laws and regulations and any agreements you have with third parties.

You agree not to: (a) access the Site by any means other than the interfaces we provide; (b) interfere with or disrupt the Site or any servers or networks connected to it; (c) attempt to gain unauthorized access to any portion of the Site, related systems, or other accounts; (d) use the Site to transmit unlawful, harassing, fraudulent, defamatory, or infringing content; or (e) use any automated means (including scrapers or bots) to access, collect, or harvest information from the Site without our express written consent.

2. No Professional Advice

Information on the Site is provided for general informational and educational purposes only. TKC is not a broker-dealer, registered investment adviser, law firm, or accounting firm, and the Site does not provide investment, legal, tax, accounting, or other professional advice. You should consult your own qualified professionals before acting on any information presented on the Site.

Insurance products are issued by the respective insurance carriers identified at the point of sale and are subject to each carrier’s underwriting, terms, conditions, limitations, and exclusions. Product availability, features, and rates vary by state and by carrier and are subject to change without notice. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance carrier.

3. Intellectual Property

The Site and its content, including text, graphics, logos, images, code, and the compilation thereof, are owned by TKC or its licensors and are protected by copyright, trademark, and other intellectual property laws. Except as expressly permitted by these Terms or with our prior written consent, you may not copy, reproduce, modify, create derivative works from, distribute, publicly display, publicly perform, republish, download, store, or transmit any of the material on the Site.

The TKC name, logo, and related marks are trademarks of The Kuorum Collective. Other names and logos referenced on the Site may be trademarks of their respective owners.

4. Information You Submit

Information you submit through the Site (for example, through the contact form) is handled in accordance with our Privacy Policy. You represent and warrant that any information you provide is accurate and that you have the right to provide it. You grant TKC a non-exclusive, royalty-free, worldwide license to use information you submit for the purposes of responding to your inquiry and operating our business, subject to our Privacy Policy.

5. Third-Party Links and Services

The Site may contain links to third-party websites or reference third-party services. TKC does not endorse, sponsor, or control those third parties and is not responsible for their availability, content, or practices. Use of any linked site or third-party service is at your own risk and subject to that party’s terms and policies.

6. Disclaimers

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, TKC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. TKC DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY DEFECTS WILL BE CORRECTED.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL TKC OR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER LEGAL THEORY, EVEN IF TKC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES; IN SUCH JURISDICTIONS, OUR LIABILITY WILL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

8. Indemnification

You agree to indemnify, defend, and hold harmless TKC and its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your violation of these Terms, your misuse of the Site, or your violation of any law or the rights of any third party.

9. Modification and Termination

We may modify, suspend, or discontinue the Site, or any portion of it, at any time and without notice. We may also terminate or suspend your access to the Site at any time, in our sole discretion, with or without cause. The provisions of these Terms that by their nature should survive termination will survive, including without limitation Sections 3 (Intellectual Property), 6 (Disclaimers), 7 (Limitation of Liability), 8 (Indemnification), and 10 (Governing Law).

10. Governing Law and Venue

These Terms are governed by the laws of the United States and the State of [STATE], without regard to its conflict-of-laws principles. Any dispute arising out of or relating to these Terms or the Site will be brought exclusively in the state or federal courts located in [COUNTY], [STATE], and you consent to the personal jurisdiction of those courts.

11. Changes to These Terms

We may revise these Terms at any time by posting an updated version on the Site. The revised Terms are effective when posted, and your continued use of the Site after that date constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.

12. Contact Us

If you have questions about these Terms, please contact us at info@thekuorumcollective.com or by phone at 888-413-4223.