Terms & Conditions

By accessing, browsing, or using the PolicyBrix website located at policybrix.com, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions in their entirety. These terms apply to all visitors, users, and anyone who accesses or uses our services.

If you do not agree with any part of these Terms & Conditions, you must discontinue use of our website immediately. Your continued use of the PolicyBrix platform constitutes your ongoing acceptance of these terms as they may be updated from time to time.

PolicyBrix grants you a limited, non-exclusive, non-transferable license to access and use our website for your personal, non-commercial purposes. When using our platform, you agree to:

• Provide accurate, current, and complete information when requested.
• Use the site only for lawful purposes and in compliance with all applicable laws.
• Refrain from attempting to gain unauthorized access to any part of our system.
• Not reproduce, duplicate, copy, sell, or exploit any portion of our content without express written permission.
• Not use automated tools, bots, or scrapers to extract data from our website.
• Not engage in any conduct that disrupts or interferes with the normal operation of our services.

We reserve the right to terminate your access to PolicyBrix at any time, without notice, for conduct that we determine violates these terms or is otherwise harmful to us, our users, or any third party.

To access certain features of the PolicyBrix platform, you may be required to create an account. By registering, you agree to the following requirements:

• Age & Residency: You must be at least 18 years old and a resident of the United States.
• Accurate Information: All registration information you provide must be truthful, accurate, and kept current.
• Account Security: You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.
• One Account Per User: Each individual may maintain only one active account on the platform.

You agree to notify us immediately of any unauthorized use of your account. PolicyBrix will not be liable for any loss or damage arising from your failure to maintain account security.

All content appearing on the PolicyBrix website — including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software — is the property of PolicyBrix or its content suppliers and is protected by applicable intellectual property laws.

The PolicyBrix name, logo, and all related marks are trademarks of PolicyBrix. You may not use any of our trademarks, service marks, or trade names without our prior written consent. Unauthorized use of any intellectual property contained on this site may violate copyright, trademark, and other applicable laws.

You may view, download, and print pages from the site for your own personal, non-commercial use, provided you do not modify the content or remove any copyright or proprietary notices.

The content on PolicyBrix is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the website will be error-free, uninterrupted, or free of viruses or other harmful components.

We make no representations or warranties about the accuracy, reliability, completeness, or timeliness of any content on this site. Any reliance you place on such information is strictly at your own risk. Always consult a licensed insurance professional before making any coverage decisions.

To the fullest extent permitted by applicable law, PolicyBrix, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this website or its content.

This includes, without limitation:

• Decisions made based on information found on the PolicyBrix website.
• Any interruption, suspension, or termination of our services.
• Unauthorized access to or alteration of your transmissions or data.
• Loss of profits, data, goodwill, or other intangible losses.

Our total cumulative liability to you for any claims arising from your use of PolicyBrix shall not exceed the total amount, if any, you have paid to us in the six months preceding the claim.

Your privacy is important to us. The manner in which PolicyBrix collects, uses, stores, and protects your personal information is governed by our Privacy Policy, which is incorporated into these Terms & Conditions by reference.

By using our website, you acknowledge that you have reviewed and agree to the terms of our Privacy Policy. If you do not agree with how we handle your personal information, please discontinue use of our services.

We encourage you to review the Privacy Policy periodically, as it may be updated in conjunction with changes to these Terms.

By providing your phone number and opting in to SMS communications through PolicyBrix, you consent to receive text messages from us, including marketing messages, service updates, and informational alerts. Standard message and data rates may apply depending on your carrier and plan.

• Opt-Out: You may opt out of SMS communications at any time by replying STOP to any message you receive from us. You will receive a confirmation of your opt-out and no further messages will be sent.
• Help: For assistance with our SMS program, reply HELP or contact us directly at rich@policybrix.com.
• Frequency: Message frequency may vary based on your activity and the communications you have consented to receive.
• Consent Not Required: Providing your consent to receive SMS messages is not a condition of purchasing any product or service from PolicyBrix.

Automated or pre-recorded SMS messages may be delivered to your mobile number. PolicyBrix is not responsible for delays or failures in message delivery caused by your carrier or device.

Any dispute, claim, or controversy arising out of or relating to these Terms & Conditions, or the breach, termination, enforcement, or validity thereof, shall be resolved by binding arbitration rather than in court, except that you may assert claims in small claims court if your claims qualify.

Arbitration shall be conducted by a mutually agreed-upon arbitrator in Brooklyn, New York, or via remote proceedings, under the rules of the American Arbitration Association (AAA). The arbitrator's decision shall be final and binding, and may be entered as a judgment in any court of competent jurisdiction.

By agreeing to these Terms, you waive your right to a jury trial and your right to participate in a class action lawsuit or class-wide arbitration. This arbitration provision does not apply to disputes that qualify for small claims court or matters involving our intellectual property rights.

PolicyBrix reserves the right to modify, update, or replace these Terms & Conditions at any time at our sole discretion. When we make changes, we will update the "Last Updated" date at the top of this page and, for material changes, take reasonable steps to notify you through the email address associated with your account or via a prominent notice on our website.

It is your responsibility to review these Terms periodically for any changes. Your continued use of the PolicyBrix website following the posting of any revised Terms constitutes your acceptance of those changes. If you do not agree to the updated Terms, you must stop using our services.

If you have any questions, concerns, or feedback about these Terms & Conditions, we encourage you to reach out to us. We are committed to providing clear, transparent information about how we operate and the rules that govern use of our platform.