Terms and Conditions

1. Eligibility

You must be at least 18 years old to use our Services. By using the Services, you represent that you have the legal capacity to enter into this agreement.

2. Scope of Services

New Centuri Advisors provides services that may include, but are not limited to:

• Insurance quoting, binding, and servicing
• Tax preparation and tax-related software tools
• Real estate services and education
• CRM platforms and client management tools
• AI-powered calculators, assistants, and analytics
• Advertising and marketing integrations
• Educational content and digital products

Not all services are available in all states or jurisdictions.

3. No Professional Advice Disclaimer

Unless explicitly stated otherwise:

• Content provided through our Services is for informational purposes only
• AI tools do not replace licensed professionals
• Insurance, tax, legal, financial, or real estate decisions should be reviewed with a qualified professional

Use of our Services does not create a fiduciary, attorney-client, accountant-client, or insurance broker-client relationship unless expressly agreed in writing.

4. User Accounts

To access certain features, you may be required to create an account. You agree to:

• Provide accurate and current information
• Maintain the security of your login credentials
• Notify us immediately of unauthorized use

We reserve the right to suspend or terminate accounts for violations of these Terms.

5. Payments, Fees & Subscriptions

Certain Services may require payment, subscription fees, or transaction-based charges. By purchasing, you agree that:

• All fees are disclosed prior to purchase
• Payments are processed via third-party providers (e.g., Stripe)
• Fees are non-refundable unless explicitly stated
• Subscription plans may auto-renew unless canceled

We reserve the right to change pricing at any time with notice.

6. Advertising & Third-Party Integrations

Some Services integrate with third-party platforms such as Meta (Facebook), Google, Stripe, CRMs, or other providers. You acknowledge:

• We are not responsible for third-party platform outages, errors, or policy enforcement
• You must comply with all third-party terms and policies
• Advertising performance is not guaranteed

7. Acceptable Use Policy

You agree not to:

• Use the Services for unlawful purposes
• Attempt unauthorized access or reverse engineering
• Upload malicious code or content
• Misrepresent identity or credentials
• Use Services to violate regulations or carrier rules

Violations may result in immediate termination.

8. Intellectual Property

All content, software, trademarks, logos, designs, AI models, workflows, and proprietary systems are owned by or licensed to New Centuri Advisors. You may not:

• Copy, distribute, or resell any part of the Services
• Use our branding without written permission

Limited, revocable access is granted solely for intended use.

9. AI & Automation Disclosure

Our platform may use artificial intelligence, automation, and algorithmic decision-making. You acknowledge:

• AI outputs may contain errors or assumptions
• AI results are assistive, not determinative
• You are responsible for final decisions and compliance

10. Data & Privacy

Your use of the Services is also governed by our Privacy Policy, which is incorporated by reference.

11. Service Availability

We do not guarantee uninterrupted or error-free operation. Services may be modified, suspended, or discontinued at any time without liability.

12. Limitation of Liability

To the maximum extent permitted by law, New Centuri Advisors shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of data, profits, or business opportunities
• Errors, delays, or service interruptions
• Third-party platform failures

Total liability shall not exceed the amount paid to us in the prior 12 months.

13. Indemnification

You agree to indemnify and hold harmless New Centuri Advisors, its officers, employees, contractors, and affiliates from claims arising out of:

• Your use of the Services
• Violations of these Terms
• Misuse of third-party platforms
• Regulatory or compliance violations caused by you

14. Termination

We may suspend or terminate access at any time, with or without cause. You may discontinue use at any time; however, outstanding fees remain due.

15. Governing Law & Venue

These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles. Any disputes shall be resolved exclusively in courts located in Texas.

16. Arbitration (Optional but Recommended)

At our discretion, disputes may be resolved via binding arbitration in Texas under applicable arbitration rules.

17. Changes to Terms

We reserve the right to update these Terms at any time. Continued use of the Services constitutes acceptance of updated Terms.

18. Contact Information