Terms of Use

Welcome to Policy Pulse (“we,” “us,” “our”). By accessing or using https://www.policypulse.com (the “Site”), you agree to comply with these Terms of Use. Please read them carefully.

1. Acceptance of Terms

By using the Site, you agree to be bound by these Terms of Use and any future updates. If you do not agree, do not use the Site.

2. Use of the Site

• You may use the Site for personal, professional, or informational purposes related to insurance and financial advisory.

• You may not use the Site for unlawful purposes, or in any way that could harm, disrupt, or interfere with the Site or other users.

• You may not attempt to gain unauthorized access to any portion of the Site or its systems.

• You agree not to transmit viruses, malware, or other harmful code.

3. Intellectual Property

• All content on the Site — including text, graphics, logos, images, audio, video, and software — is the property of Policy Pulse or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

• You may view and download content for personal, non-commercial use only. Any other use, including reproduction, distribution, modification, or public display, is prohibited without prior written permission.

4. User-Generated Content

• If you submit comments, feedback, or other materials (“User Content”), you grant Policy Pulse a non-exclusive, royalty-free, worldwide license to use, reproduce, modify, and distribute such content in connection with the Site.

• You are solely responsible for your User Content and must ensure it does not violate any laws or infringe third-party rights.

• Policy Pulse reserves the right to remove or moderate User Content at its discretion.

5. Disclaimers

• The Site provides news, insights, and resources for informational purposes only. It is not legal, financial, or professional advice.

• While we strive for accuracy, we do not guarantee the completeness, reliability, or timeliness of any content.

• Use of the Site and any reliance on its content is at your own risk.

• The Site may include advertisements or sponsored content; inclusion does not imply endorsement.

6. Limitation of Liability

• To the maximum extent permitted by law, Policy Pulse and its affiliates, officers, employees, or licensors are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site or reliance on its content.

• This includes, but is not limited to, lost profits, data loss, or business interruption.

7. Indemnification

You agree to defend, indemnify, and hold harmless Policy Pulse, its affiliates, officers, and employees from any claims, damages, liabilities, or expenses arising out of your use of the Site, violation of these Terms, or User Content submissions.

8. Third-Party Links and Content

• The Site may contain links to third-party websites, embedded content, or external services.

• Policy Pulse does not control these third parties and is not responsible for their content, privacy practices, or any consequences of using their sites.

• We encourage you to review the privacy policies of any third-party services you interact with.

9. Privacy and Compliance

• Your use of the Site is subject to our Privacy Policy, which explains how we collect, use, and protect personal information, including CCPA/CPRA rights for California residents.

• By using the Site, you consent to the practices described in the Privacy Policy.

10. Modifications to the Terms

• Policy Pulse may update these Terms at any time.

• Updated terms will be posted on this page with a revised “Last updated” date.

• Your continued use of the Site constitutes acceptance of the updated Terms.

11. Governing Law and Jurisdiction

• These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to its conflict of law principles.

• Any disputes arising under or relating to these Terms shall be resolved exclusively in the state or federal courts located in Massachusetts.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

13. Entire Agreement

These Terms, together with the Privacy Policy and any other posted rules or policies, constitute the entire agreement between you and Policy Pulse regarding use of the Site.

14. Contact Information

Policy Pulse
55 West St., Suite 201
Walpole, MA 02081

For questions about these Terms, please contact us through our site contact form.