Terms of Service

Overview

These Terms of Service ("Terms") govern your use of policyreview.co and the policy review services provided by Opeletia Helton ("we," "us," or "our"). By accessing our website or submitting documents for review you agree to these Terms.

Nature of Service

Our policy review service is strictly educational and informational in nature.

- Policy reviews do not constitute financial, legal, or insurance advice

- Reviews are designed to help you better understand your existing coverage

- No review, assessment, or communication from us creates an advisor-client, fiduciary, or insurance agent relationship unless a separate written agreement exists

- We are not responsible for decisions made based on information provided during a review

CA Insurance License #4219007

No Guarantee of Outcomes

We make no representations or warranties regarding:

- The completeness or accuracy of our review observations

- The suitability of any coverage for your specific situation

- Any particular outcome resulting from actions taken after a review

- The performance of any insurance product discussed

User Responsibilities

By using our services you agree to:

- Provide accurate and complete information

- Submit only documents you have the legal right to share

- Not submit passwords, banking credentials, or unrelated confidential documents

- Redact any information you wish to keep private before submitting

- Use our services for lawful purposes only

Document Submission

By submitting documents through our platform:

- You confirm you have the legal right to share the submitted documents

- You grant us permission to review the documents for the sole purpose of providing your policy review

- You understand documents may contain information about minor dependents and consent to our handling of that information as described in our Privacy Policy

- You acknowledge that optional consent for educational use of anonymized documents is separate and voluntary

No Obligation to Purchase

Nothing in our services, communications, or reviews constitutes an offer to sell or solicitation to purchase any insurance product. You are under no obligation to purchase any product or service as a result of your policy review.

Independent Strategist Disclosure

Opeletia Helton operates as an independent insurance strategist and is not employed by or exclusively affiliated with any single insurance carrier. Recommendations, if any, are based solely on your individual needs and circumstances.

SMS Communications

By opting in to SMS communications you agree to receive appointment confirmations, reminders, and follow-up messages. Message frequency varies. Message and data rates may apply. Reply STOP at any time to opt out. Reply HELP for assistance.

Intellectual Property

All content on policyreview.co including text, graphics, logos, and design elements is the property of Opeletia Helton and may not be reproduced, distributed, or used without express written permission.

Educational Training

Use If you have provided optional consent for your anonymized documents to be used in educational training materials:

- All personal identifying information will be removed prior to use

- Documents will only be used for educational purposes

- You may withdraw consent at any time by contacting us at [email protected]

- Withdrawal of consent applies to future use only and does not affect materials already in production

Limitation of Liability

To the fullest extent permitted by law Opeletia Helton shall not be liable for:

- Any direct, indirect, incidental, or consequential damages arising from your use of our services

- Decisions made based on information provided during a policy review

- Any unauthorized access to documents submitted through our platform

- Any interruption or unavailability of our services

Our total liability shall not exceed the amount paid for services, if any.

Indemnification

You agree to indemnify and hold harmless Opeletia Helton from any claims, damages, or expenses arising from your use of our services, violation of these Terms, or submission of documents you did not have the right to share.

Governing Law

These Terms are governed by the laws of the State of California. Any disputes arising from these Terms shall be resolved in the courts of the State of California.

Modifications to Terms

We reserve the right to update these Terms at any time. Changes will be posted on this page with an updated date. Continued use of our services constitutes acceptance of updated Terms.

Severability

If any provision of these Terms is found to be unenforceable the remaining provisions will continue in full force and effect.

Contact Us

For questions regarding these Terms:

Opeletia Helton

Executive Risk & Protection Strategist

CA Insurance License #4219007

📧 [email protected]

📞 323-746-9285

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