Who may use the Services
By using the Services, you represent and warrant that:
- you are a legal resident of the United States;
- you are at or above the age of majority in your jurisdiction of residence;
- you own, or have sufficient authorization to use, the device you use to access the Services; and
- you will access and use the Services in accordance with this Agreement.
Camas Advice provides advanced planning, coordination and advisory services, and brokers insurance products issued by a range of carriers. Unless otherwise indicated, our services and any products referenced are available in the United States only, and not all services or products are available in every state. The services available to you depend on where you live and on the licensing held by Camas Advice and by the individual professionals assigned to you.
The Site is information, not advice
The information on this Site is not an offer by or on behalf of Camas Advice or its affiliates to sell, or a solicitation of an offer to buy, any security or insurance product.
The Site is a general information resource about the matters it covers. It is not offered as legal, accounting, tax, insurance or investment advice, and it is not tailored to anyone’s particular circumstances. Although the material addresses tax, legal and accounting subjects, neither Camas Advice nor the companies whose products we broker, nor our respective agents, is engaged through this Site in the business of giving such advice.
Advice depends on your specific situation. Please consult your own legal, tax, accounting and investment professionals about how anything described here applies to you. Your use of, and reliance on, any information obtained through the Services is at your own risk.
Any engagement with Camas Advice is governed by the written agreement we enter into with you, and by the policies and contracts issued by the relevant carriers or institutions, not by this Agreement, and not by anything stated on the Site.
Insurance products and the issuing companies
The financial obligations of any individual product or policy are the sole responsibility of the issuing company. Neither Camas Advice nor any affiliate of an issuing company is legally responsible for that company’s product or policy obligations.
The purchase or sale of an insurance policy is a transaction between you and the issuing company, governed by the written policy or contract that company provides. The terms of that policy or contract are binding on its parties. No statement made in person, online, electronically, including on this Site, in writing, or otherwise may alter them.
Any illustration, projection or example shown on the Site is hypothetical, is provided to explain a concept, and is not a promise or guarantee of any particular result.
Booking, forms and communications
If you request a discovery call, book an appointment through our scheduling tool, or otherwise give us your contact details, you agree that we may contact you about your inquiry and our services by email and by telephone. Marketing emails always include an unsubscribe link. How we handle the information you give us is described in our Privacy Policy.
Our scheduling tool is provided by a third party and is embedded in the Site. Your use of it is also subject to that provider’s own terms.
Please do not send sensitive personal information (Social Security numbers, account numbers, or health information) through the Site, by unencrypted email, or by text message. If we need that information we will tell you how to send it securely.
Text messaging (SMS) terms
These terms apply if you opt in to receive text messages from Camas Advice (the “SMS Program”).
- Program name
- Camas Advice
- Program description
- By opting in (for example by submitting a form, booking an appointment, or replying to a message), you consent to receive text messages from us at the number you provided. Depending on your opt‑in, these may include replies to your inquiry, appointment confirmations and reminders, information about an engagement in progress, and, only if you separately and expressly agreed to them, promotional messages.
- Cancellation
- You can cancel at any time by replying STOP to any message. We will send one message confirming that you have been unsubscribed, after which you will receive no further text messages from us. To rejoin, opt in again as you did originally.
- Help
- Reply HELP to any message for assistance, or contact us at info@camasadvice.com or (866) 976‑2757.
- Carrier liability
- Mobile carriers are not liable for delayed or undelivered messages. Supported carriers may change without notice.
- Message rates
- Message and data rates may apply to messages we send you and to messages you send us. Message frequency varies with your interaction with us. For questions about your text or data plan, contact your wireless provider.
- Consent is not a condition of purchase. You do not have to agree to receive text messages to work with us or to buy anything from us.
- The number must be yours. You represent that you are the subscriber or customary user of the number you give us, and you agree to tell us if you change or give up that number.
- Privacy. Text messaging opt‑in data and consent are never shared with third parties for marketing purposes. See the Privacy Policy for details.
Acceptable use
The Services are for your personal, non‑commercial use. In using them, you agree that you will not:
- send unsolicited advertising, promotional material, junk or bulk email, chain letters, or solicitations of any kind through or in connection with the Services;
- use the Services for, or to advocate, any unlawful purpose;
- impersonate any person or entity, misrepresent your affiliation with one, or manipulate identifiers to disguise the origin of anything you send;
- use the Services in any way that could damage, overburden or impair them, or interfere with anyone else’s use of them;
- attempt to gain unauthorized access to the Services, to any related system or network, or to any account, by hacking, password mining or any other means; or
- collect or harvest information about others, including email addresses, or obtain any material or information through means we did not intentionally make available.
We may suspend or terminate your access to the Services at any time, in our sole discretion, including if we believe you have breached this Agreement.
Intellectual property
The Services and all of their contents, including text, photographs, graphics, illustrations, video and audio, software, and the Camas Advice names, logos and marks (together, the “Intellectual Property”): are protected by copyright, trademark and other laws of the United States and other countries, and are owned or controlled by Camas Advice or by others who have licensed rights to us.
You may view, store, print, reproduce and share pages of the Site for your personal or internal, non‑commercial purposes, provided that you do not modify them and that you keep intact any notice regarding ownership or use.
You may not, without our express written permission, reproduce, download, license, publish, enter into a database, display, modify, create derivative works from, transmit, post, distribute, publicly perform, decompile, reverse engineer, transfer or sell any Intellectual Property or any information or material obtained from the Services. Any trademark, service mark, product name, company name or logo appearing in the Services may not be used without permission from its owner.
Links to and from the Site
As a convenience, we may link to websites operated by others. If you follow such a link you leave our Site and do so at your own risk, subject to that site’s own terms and privacy policy. We make no representation about, and do not endorse, any linked site or anything on it, and a link does not imply that we are affiliated or associated with it.
All links to the Site must be approved by us in writing, except that we consent to a link that: (i) is a text‑only link reading “Camas Advice” or “camasadvice.com”; (ii) points to camasadvice.com and not to a deeper page; (iii) opens the page full‑screen in a fully operable browser window and not within a frame; and (iv) does not create a false impression of association or sponsorship, and does not damage or dilute the goodwill associated with our name or marks. We may revoke this consent at any time.
Disclaimers
All content and services available through the Services are provided on an “as is” and “as available” basis. To the fullest extent permitted by applicable law, Camas Advice and its affiliates, distributors, suppliers, licensors, agents and others involved in creating, sponsoring, promoting or otherwise making the Services available (the “Camas Advice Parties”) disclaim all representations and warranties of any kind, express or implied, including the implied warranties of merchantability, satisfactory quality, fitness for a particular purpose, workmanlike effort, informational content, title, and non‑infringement of the rights of third parties.
We do not warrant that the Services will operate error‑free or uninterrupted, that defects will be corrected, or that the Services or their servers are free of viruses or other harmful components. We make no representation regarding the suitability, availability, accuracy, reliability, completeness or timeliness of any content in the Services for any purpose.
We are not responsible for any failure to access or use the Services, or for failures caused by server errors, misdirected or redirected transmissions, failed internet connections, lost or interrupted connections, miscommunications or failed data transmissions, or any virus or other technical defect relating to the Services.
Limitation of liability
In no event shall the Camas Advice Parties be liable to any person or entity for any direct, indirect, incidental, special, compensatory, consequential or punitive damages, or any damages whatsoever, including: (i) loss of goodwill, profits, business interruption, data or other intangible losses; (ii) your inability to use, or unauthorized use of, the Services; (iii) unauthorized access to or tampering with your personal information or transmissions; (iv) the provision or failure to provide any service; (v) errors or inaccuracies in the Services or in any material obtained through them; (vi) any transaction entered into through the Services; (vii) property damage, including to your device or systems, caused by viruses or other harmful components arising from your use of the Services or of any site linked from them; or (viii) damages otherwise arising out of your access to or use of the Services or of any linked site.
These limitations apply regardless of the form of action, whether in contract, tort, negligence, strict liability or otherwise, and even if we have been advised of the possibility of such damages. In no event shall our aggregate liability exceed the total amount, if any, you paid us for access to the Services.
Exceptions
Some jurisdictions do not allow the disclaimer, exclusion or limitation of certain warranties, liabilities and damages, so some of the above may not apply to you. In those jurisdictions our liability is limited to the fullest extent permitted by applicable law.
General terms
Entire agreement. This Agreement and the Privacy Policy constitute the entire agreement between you and Camas Advice in connection with your use of the Services. Certain areas or features may be governed by additional terms presented with them; where those conflict with this Agreement, the additional terms control for that area or feature.
Severability. If any provision of this Agreement is held invalid, illegal or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will continue in full force.
Time limit on claims. Any cause of action you may have arising out of your use of the Services must be commenced within one (1) year after the claim arises.
Survival. The disclaimers and limitations of liability in this Agreement survive any termination of your access to the Services.
Governing law and venue. This Agreement is governed by the laws of the State of Nevada, without regard to its conflict of laws provisions. Any suit or claim shall be filed in the state courts located in the State of Nevada.
Changes. We may change this Agreement at any time in our sole discretion. We will endeavor to give notice of a material change on the Site, and the effective date above will be updated. Your continued use of the Services after a change constitutes your agreement to it. Please review this Agreement periodically.
How to contact us
- info@camasadvice.com
- Telephone
- (866) 976‑2757
- Camas Advice · 109 Ambersweet Way #232 · Davenport, FL 33897