1. Agreement and Acceptance

Binding Agreement

By accessing our website, submitting information requests, or engaging our advisory services, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and any additional service agreements. If you do not agree to these Terms, you must discontinue use of our website immediately.

Capacity and Age Requirements

You must be at least 18 years old and have the legal capacity to enter into binding agreements to use our website or services. By using our website, you represent and warrant that you meet these requirements and that all information you provide is accurate and complete.

Modifications to Terms

We reserve the right to modify these Terms at any time. Material changes will be effective thirty (30) days after we provide notice through our website or email communication. Your continued use of our website after such changes constitutes acceptance of the modified Terms.

2. Services and Website Use

Advisory Services Overview

Centurion Advisers provides insurance professional services information. Our website serves as a platform for:

• Initial consultations and service inquiries
• Educational content and market insights
• Resource downloads and financial tools

Information Requests and Lead Generation

When you submit information requests through our website, you consent to:

• Receiving communications from Centurion Advisers regarding our services
• Potential sharing of your information with qualified financial and insurance service providers
• Follow-up contacts via phone, email, or mail regarding your inquiry
• Processing of your information for service matching and advisory purposes

You understand that submitting an information request does not establish an advisory relationship.

3. Acceptable Use and Conduct Standards

Permitted Activities

You may use our website to:

• Research our services
• Access educational resources and market commentary
• Submit legitimate service inquiries and consultation requests
• Communicate with our representatives and partners
• Download resources we've made publicly available

Prohibited Activities

The following activities are strictly forbidden:

Technical Violations:

• Using automated tools, bots, or scripts to access or extract website data
• Attempting to bypass security measures or access restricted areas
• Interfering with website functionality or server operations
• Reverse engineering website code or attempting to discover proprietary information
• Introducing malicious code, viruses, or harmful software

Content and Conduct Violations:

• Providing false, misleading, or fraudulent information
• Using our website for illegal activities or fraudulent schemes
• Impersonating Centurion Advisers, our advisors, or other users
• Posting inappropriate, offensive, or unprofessional content
• Violating intellectual property rights of any party

Commercial Restrictions:

• Using our website for competing advisory services
• Scraping or harvesting data for commercial purposes without authorization
• Reselling or redistributing our proprietary content
• Creating derivative works based on our materials

4. Intellectual Property and Content Rights

Our Proprietary Content

All website content, including text, graphics, logos, images, software, analysis, research, and design elements, is owned by Centurion Advisers or our licensors and protected by intellectual property laws.

Limited Use License

We grant you a limited, non-exclusive, non-transferable license to access and view our website content for personal, non-commercial use related to evaluating our advisory services. This license does not permit:

• Copying, reproducing, or distributing content without permission
• Modifying or creating derivative works
• Commercial use of any content
• Removing proprietary notices or attributions

User-Generated Content

When you submit content through our website (forms, comments, documents), you grant us a non-exclusive license to use such content as necessary to provide our services. You represent that you own or have permission to submit such content.

5. Financial Service Inquiries and Matching

Service Requests

When you request information about our partner services, you understand that:

• We may evaluate your suitability for various service offerings
• Initial consultations may be provided at no charge
• Formal advisory relationships require separate written agreements
• Our partners may decline to provide services based on our internal criteria

Third-Party Service Provider Matching

In some cases, we may connect you with qualified third-party financial service providers, including:

• Specialized investment managers
• Insurance professionals
• Estate planning attorneys
• Tax preparation services
• Mortgage and lending specialists

Consent for Information Sharing

By submitting service requests, you expressly consent to:

• Sharing your information with potential service providers
• Receiving communications from matched providers
• Credit checks or financial verification as necessary
• Processing of your information for matching purposes

You understand that third-party providers are independent entities with their own terms and privacy policies.

6. Financial Information

Fair Credit Reporting Act Compliance

You acknowledge that we may obtain consumer reports in accordance with the Fair Credit Reporting Act (FCRA) for legitimate business purposes, including:

• Identity verification
• Service suitability assessment
• Risk evaluation
• Fraud prevention

No Guarantee of Approval

We make no guarantee that you will qualify for any particular service or be matched with specific providers. Service availability depends on various factors including creditworthiness, financial profile, and provider capacity.

7. Electronic Communications and Consent

Electronic Communication Agreement

By using our website, you consent to receive communications electronically, including:

• Service-related notifications and updates
• Marketing materials and educational content
• Legal notices and policy changes
• Transaction confirmations and statements

E-SIGN Act Compliance

You agree that electronic communications satisfy legal requirements for written notice. You have the right to receive paper copies by contacting us directly.

SMS and Text Messaging

If you provide a mobile phone number, you may receive text messages regarding:

• Appointment confirmations and reminders
• Service updates and important notices
• Marketing messages (with opt-in consent)

Text Messaging Terms:

• Message and data rates may apply
• Message frequency varies based on your preferences
• Reply "STOP" to opt out of text messages
• Reply "HELP" for assistance with text services

8. Privacy and Data Protection

Privacy Policy Integration

Our Privacy Policy is incorporated into these Terms by reference. Please review our privacy practices regarding collection, use, and protection of your personal information.

Data Security Measures

While we implement reasonable security measures, no internet transmission is completely secure. You acknowledge the inherent risks of electronic communication and agree to use our services at your own risk.

California Privacy Rights

California residents have specific rights under the California Consumer Privacy Act (CCPA), as detailed in our Privacy Policy.

9. Disclaimers and Limitations

Website Availability and Performance

We strive to maintain website availability but do not guarantee uninterrupted service. We may suspend access for maintenance, updates, or technical issues without prior notice.

Information Accuracy

While we make reasonable efforts to ensure content accuracy, we do not warrant that all information is current, complete, or error-free. Financial markets and regulations change frequently, and information may become outdated.

No Investment Advice Through Website

Content on our website is for informational purposes only and does not constitute personalized investment advice. Investment decisions should be made only after consultation with qualified professionals based on your individual circumstances.

Third-Party Content and Links

We are not responsible for third-party content accessed through our website or the accuracy of external websites linked from our platform.

10. Limitation of Liability

Scope of Limitations

TO THE FULLEST EXTENT PERMITTED BY LAW, CENTURION ADVISERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR WEBSITE OR SERVICES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits or business opportunities
• Investment losses or financial damages
• Data loss or system failures
• Service interruptions or delays
• Third-party actions or omissions

Maximum Liability Cap

Our total liability for any claims related to website use or services shall not exceed the amount you have paid us for advisory services in the twelve (12) months preceding the claim, or $500, whichever is greater.

Essential Limitation

This limitation of liability is fundamental to our business model and the provision of our services at current pricing levels.

11. Indemnification

You agree to indemnify, defend, and hold harmless Centurion Advisers, our officers, employees, advisors, and service providers from any claims, losses, damages, or expenses (including reasonable attorney fees) arising from:

• Your violation of these Terms
• Your use of our website in unauthorized ways
• Information you provide that violates third-party rights
• Your violation of applicable laws or regulations
• Claims arising from your interactions with third-party service providers

12. Arbitration and Dispute Resolution

MANDATORY ARBITRATION AGREEMENT

PLEASE READ THIS SECTION CAREFULLY – IT SIGNIFICANTLY AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

YOU ARE GIVING UP THE RIGHT TO JURY TRIAL AND TO PARTICIPATE IN CLASS ACTION LAWSUITS.

Pre-Arbitration Dispute Resolution

Before initiating arbitration, you must first attempt to resolve disputes informally by sending written notice to:

Centurion Advisers

Legal Department

39 Main Street, Tiburon, CA 94920

Email: legal@centurionadvisers.com

The notice must include:

• Your name and contact information
• Detailed description of the dispute
• Relief sought with specific calculation

We will have 60 days to work together in good faith to resolve the dispute through direct negotiation.

Arbitration Process

If informal resolution fails, disputes must be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.

Key Arbitration Terms:

• Individual basis only (no class actions)
• Single arbitrator decides all issues
• Location convenient to your residence
• Limited discovery compared to court proceedings
• Final and binding award

Class Action Waiver

YOU AND CENTURION ADVISERS WAIVE ANY RIGHT TO PARTICIPATE IN CLASS ACTION LAWSUITS. All disputes must be resolved individually through arbitration or small claims court.

Exceptions to Arbitration

This arbitration requirement does not apply to:

• Individual claims in small claims court
• Intellectual property disputes
• Regulatory enforcement actions
• Claims that cannot legally be arbitrated

Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to our Legal Department within 30 days of first accepting these Terms. Include your name, address, and clear statement that you opt out of arbitration.

13. Regulatory and Compliance Matters

Investment Adviser Registration

Centurion Advisers is registered as an investment adviser with [INSERT REGULATORY BODY]. Our advisory services are subject to fiduciary standards and regulatory oversight.

Disclosure Documents

Before establishing an advisory relationship, you will receive our Form ADV and other required disclosure documents detailing our services, fees, and potential conflicts of interest.

Regulatory Reporting

We may be required to report certain information to regulatory authorities as part of our compliance obligations.

14. Termination

Our Right to Terminate

We may terminate your access to our website or services at any time for any reason, including violation of these Terms or applicable law.

Your Right to Terminate

You may discontinue use of our website at any time. To terminate advisory services, follow the procedures outlined in your advisory agreement.

Effect of Termination

Upon termination:

• Your access rights immediately cease
• Certain provisions survive termination (intellectual property, liability limitations, dispute resolution)
• Outstanding obligations remain in effect

15. General Provisions

Governing Law

These Terms are governed by the laws of California without regard to conflict of law principles.

Jurisdiction and Venue

Subject to the arbitration provisions above, any legal proceedings must be brought in the state or federal courts located in Marin County, California

Severability

If any provision of these Terms is deemed unenforceable, the remaining provisions remain in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy and any executed advisory agreements, constitute the entire agreement between you and Centurion Advisers regarding website use and services.

No Waiver

Our failure to enforce any provision does not constitute a waiver of our right to enforce that provision in the future.

Assignment

We may assign these Terms to affiliates or successors. You may not assign your rights without our written consent.

16. Contact Information

For Terms of Use Questions: Legal Department

Centurion Advisers

39 Main Street, Tiburon, CA 94920

Email: legal@centurionadvisers.com

For General Inquiries: Email: info@centurionadvisers.com

For Privacy Matters: Email: privacy@centurionadvisers.com