Terms of Use — Independent Insurance Advisory

Acceptance of these terms

By accessing or using crossguardadvisory.com (the "Site"), you agree to these Terms of Use ("Terms"). If you do not agree, please do not use the Site.

Who operates this site

The Site is operated by Vincent Oriolo, an independently licensed life and health insurance broker doing business as CrossGuard Private Benefits Advisory ("CrossGuard"). CrossGuard is a trade name; all insurance business under the CrossGuard name is conducted on Vincent Oriolo's personal license. References to "I," "me," or "my" refer to Vincent Oriolo personally.

Nature of the service

CrossGuard is an independent insurance advisory. I help individuals and families compare and select life insurance, final expense insurance, fixed and fixed indexed annuities, health insurance, and supplementary insurance products. The Site is informational and is not an offer to sell, or a solicitation to buy, any specific insurance product in any state where I am not licensed.

I am not a tax advisor, attorney, or registered investment advisor. Information on the Site is general education and is not tax, legal, or investment advice. For advice about your specific situation, consult qualified tax, legal, or investment professionals.

Eligibility

The Site is intended for adults (18 years of age or older) located in the United States. By using the Site, you represent that you are at least 18 years old and located in the United States.

No advisor-client relationship from form submission

Submitting a form or sending a message through the Site does not, by itself, create an advisor-client relationship between you and Vincent Oriolo or CrossGuard. An advisory relationship begins only after a separate engagement is mutually agreed upon, in writing or in a recorded consultation, and after any required regulatory disclosures have been provided.

Information accuracy

I make reasonable efforts to keep information on the Site accurate and current. However, insurance products, carrier offerings, regulations, and tax treatment change over time. Information on the Site is provided "as is" and "as available," without warranty of any kind, express or implied. No guarantee is made as to the accuracy, completeness, or fitness for a particular purpose of any information on the Site.

Specific insurance products and policy outcomes are determined by the issuing carrier under the policy contract. Insurance product guarantees are backed by the claims-paying ability of the issuing carrier — not by Vincent Oriolo or CrossGuard.

Permitted use

You may use the Site for personal, non-commercial purposes. You may not:

• Use the Site in any way that violates applicable law
• Attempt to gain unauthorized access to any portion of the Site, its servers, or related infrastructure
• Scrape, crawl, or harvest information from the Site through automated means without permission
• Interfere with or disrupt the Site, including by transmitting malware, viruses, or harmful code
• Frame, embed, or replicate the Site or its content on another site without permission
• Use the Site to send unsolicited bulk communications

Intellectual property

The text, design, branding, and other content on the Site are owned by Vincent Oriolo or licensed for use by CrossGuard, and are protected by copyright, trademark, and other intellectual property laws.

[REVIEW: trademark registration status — confirm with counsel]

"CrossGuard," the CrossGuard logo, and "CrossGuard Private Benefits Advisory" are trade names and marks used by Vincent Oriolo. Carrier names, logos, and product names are the property of their respective owners and are referenced only for informational and identification purposes.

Third-party links and services

The Site may link to or interoperate with third-party websites and services (for example, the consultation booking tool, carrier websites, regulatory verification sites). I do not control these third-party services and am not responsible for their content, accuracy, or practices. Your interaction with a third-party service is governed by that service's terms and policies.

Limitation of liability

To the fullest extent permitted by law, Vincent Oriolo and CrossGuard are not liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of the Site, even if advised of the possibility of such damages.

My total liability for any claim arising out of or relating to the Site is limited to the amount, if any, you paid me to use the Site, which is zero.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so portions of this section may not apply to you.

[REVIEW: limitation of liability — confirm exact wording with counsel]

Indemnification

You agree to indemnify and hold harmless Vincent Oriolo and CrossGuard from claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your violation of these Terms or your misuse of the Site.

[REVIEW: indemnification — confirm enforceability and scope with counsel]

Electronic communications

By submitting a form or otherwise contacting me through the Site, you consent to receive electronic communications from me regarding your inquiry. These communications may be sent by email, phone, or text message in accordance with the consent labels you affirmatively selected at the time of submission.

You may withdraw consent at any time by replying "STOP" to a text message, clicking the unsubscribe link in an email, or contacting me at [email protected]. Withdrawal of consent does not affect communications already sent.

[REVIEW: confirm TCPA-compliant consent wording with counsel before launch]

Regulatory disclosures

Vincent Oriolo is licensed in the states listed at Licensing & Disclosures. The Site is not an offer to sell insurance in any state where Vincent Oriolo is not licensed. Insurance products and outcomes are governed by the policy contract issued by the carrier and by the laws of the state of issue.

Privacy

Your use of the Site is also governed by the Privacy Policy, which describes what information I collect, how I use it, and your rights with respect to it.

Termination

I may suspend or terminate your access to the Site at my discretion, without notice, if I believe you have violated these Terms.

Changes to these terms

I may update these Terms from time to time. The version number and "Last updated" date at the top of this page reflect the current revision. Material changes will be reflected in a version increment.

The version of these Terms in effect at the time of any form submission you make is recorded with that submission for compliance purposes.

Governing law and dispute resolution

[REVIEW: governing law, venue, dispute resolution mechanism (court vs. arbitration), class-action waiver — counsel determination required. Default placeholder: state of New Jersey, exclusive venue in Essex County, NJ.]

Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions remain in effect, and the invalid or unenforceable provision will be modified to the minimum extent necessary to be enforceable while reflecting the original intent.

Entire agreement

These Terms, together with the Privacy Policy and any other policies referenced from the Site, constitute the entire agreement between you and Vincent Oriolo regarding your use of the Site.

Contact

Questions about these Terms: [email protected]