Acceptance of Terms

By accessing or using this website, you agree to these Terms and to any additional notices posted on the site. If you do not agree, you should not use the site or rely on its content.

Document summary

The following clauses provide the primary opening terms and related reference materials.

Section 01

Acceptance of Terms

By accessing or using this website, you agree to these Terms and to any additional notices posted on the site. If you do not agree, you should not use the site or rely on its content.

Section 02

Scope of Services

Theory Language provides general information and assistance related to insurance selection for retirees. Any guidance is informational only and does not constitute legal, financial, medical, or insurance advice, and no outcome is guaranteed.

Core Terms

Fees and Charges

Any fees, if applicable, will be communicated separately before you choose to proceed. You are responsible for reviewing all stated charges and for any amounts owed to third parties, including insurers or other service providers.

03

Fees and Charges

HCCH

Any fees, if applicable, will be communicated separately before you choose to proceed. You are responsible for reviewing all stated charges and for any amounts owed to third parties, including insurers or other service providers.

04

Use Conditions

UN Declaration

We may set reasonable conditions for use of the site and for any inquiry or review process. We may decline or discontinue assistance where we believe use is improper, incomplete, unlawful, or inconsistent with these Terms.

All site content, including text, layout, and logos, is owned by or licensed to Theory Language and is protected by applicable intellectual property laws. You may not copy, modify, distribute, or reuse such content without prior written permission, except as allowed by law.

05

Intellectual Property

All site content, including text, layout, and logos, is owned by or licensed to Theory Language and is protected by applicable intellectual property laws. You may not copy, modify, distribute, or reuse such content without prior written permission, except as allowed by law.

ReferenceSERNAC
06

Disclaimer of Warranties

The site and its content are provided on an as-is and as-available basis. To the fullest extent permitted by law, we disclaim warranties of accuracy, completeness, availability, and fitness for a particular purpose, and we are not liable for decisions made based on site content.

ReferenceWIPO