Terms of Use

Last updated: 2026-02-24

Effective Date: 2026-02-24

Use of the website at policyselections.com (the "Site") and any related services (the "Service") constitutes your agreement to these Terms of Use. NorthernLeads Media LLC (the "Company") may update these terms at any time at its discretion. When changes are made, the Company will post a notice on the Site. You are responsible for checking these terms from time to time; if you do not accept them, you must stop using the Site and the Service right away.

BY USING THIS SITE YOU REPRESENT THAT YOU ARE AT LEAST 18 YEARS OLD AND LEGALLY CAPABLE OF ENTERING INTO THIS AGREEMENT.

PRIVACY. The Company values your privacy. Our full privacy policy is available at the bottom of policyselections.com and is part of this agreement. When you give us information through the Site or Services, you consent to the Company collecting, using, and sharing that information; contacting you by email, phone, or other methods you provide; and sharing your contact details with third parties who may then contact you by email, phone, or other means.

REGISTRATION. Where an account is required to use the Site or Service, you must register with complete and accurate information as requested, including a username and password. You are responsible for keeping your password confidential and may not use another person's account or credentials. You must tell the Company right away about any unauthorized use of your account. The Company is not responsible for losses from someone else using your password. You may be responsible for losses to the Company or its affiliates, officers, directors, employees, consultants, agents, and representatives caused by another person's use of your account.

INTELLECTUAL PROPERTY. When you use the Site or Service you agree to follow the law and respect others' intellectual property rights. Your use is governed by laws on copyright and intellectual property. You will not upload, download, display, perform, transmit, or distribute any content that infringes any third party's copyrights, trademarks, or other intellectual property or proprietary rights. You are responsible for any violations or infringements resulting from content you provide or transmit (or that is transmitted using your account). You bear the burden of showing that content does not violate laws or third party rights.

NO LICENSE. Nothing on the Site grants you a license to use any trademarks, service marks, or logos of the Company or any third party.

VIOLATIONS. The Company may end your use of the Service and/or the Site. To maintain quality for you and other users, you agree that the Company or its representatives may access your account and records when investigating complaints or possible abuse, infringement, or other misuse. The Company may do so without disclosing the investigation unless required by law. The Company may terminate your account or access immediately, with or without notice, and without liability, if it believes you have broken these Terms, given false or misleading information, or interfered with others' use of the Site or Service.

NO WARRANTIES. THE SITE AND SERVICE ARE PROVIDED "AS IS." THE COMPANY DISCLAIMS ALL WARRANTIES TO THE FULLEST EXTENT PERMITTED BY LAW. YOU BEAR ALL RISK OF DAMAGE OR LOSS FROM USING OR BEING UNABLE TO USE THE SITE OR SERVICE. THE COMPANY DISCLAIMS ALL EXPRESS AND IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. THE COMPANY DOES NOT GUARANTEE THAT THE SITE OR SERVICE WILL MEET YOUR NEEDS OR OPERATE WITHOUT INTERRUPTION OR ERROR.

LIMITED LIABILITY. THE COMPANY'S LIABILITY TO YOU IS LIMITED. TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY IS NOT LIABLE FOR ANY DAMAGES (INCLUDING SPECIAL, INCIDENTAL, CONSEQUENTIAL, LOST PROFITS, OR LOST DATA) ARISING FROM YOUR USE OF THE SITE OR ANY MATERIALS OR SERVICES PROVIDED BY THE COMPANY. THIS APPLIES WHETHER THE CLAIM IS BASED ON CONTRACT, TORT, OR ANY OTHER THEORY.

THIRD-PARTY SITES. The Company does not control and is not liable for third-party websites or materials. The Site may link to sites operated by partners and affiliates. The Company does not guarantee the accuracy, currency, or quality of content on those sites and is not responsible for objectionable, inaccurate, misleading, or unlawful content there. Through the Site you may also access content owned by third parties; the Company does not guarantee or take responsibility for the accuracy or quality of such content or any third party you link to from the Site. You agree to indemnify the Company against any claims you have against a third party that you reached via the Company's website.

PROHIBITED CONDUCT. You may not violate or attempt to violate the security of the Site or Service, including: (a) accessing content or accounts you are not authorized to access; (b) probing, scanning, or testing the vulnerability of the Service, Site, or related systems or networks, or breaching security or authentication without authorization; (c) interfering with service to any user, host, or network (e.g., by submitting a virus, overloading, flooding, spamming, or crashing); (d) using the Site or Service to send unsolicited email, including promotions or ads; (e) forging headers in email or postings; or (f) attempting to modify, reverse-engineer, decompile, or disassemble any source code used to provide the Site or Service. Violations may result in civil or criminal liability.

INDEMNITY. You agree to indemnify, defend, and hold harmless the Company and its affiliates, officers, directors, employees, consultants, agents, and representatives from all third-party claims, losses, liability, damages, and costs (including reasonable attorneys' fees) arising from your use of the Site, your breach of these Terms, or any infringement of intellectual property or other rights by you or another user of your account. The Company will notify you of any such claim and may assist in the defense at your expense.

GOVERNING LAW. These Terms are governed by the laws of the State of California (without regard to conflict-of-law rules). You consent to the exclusive jurisdiction of the courts of the State of California, United States, for any dispute arising from or related to the Site or Service.

SEVERABILITY; WAIVER. If a court holds any term or condition unenforceable, the rest remain in effect. A waiver of one breach does not waive any other breach. A waiver is effective only if in writing and signed by an authorized representative of the waiving party.

ARBITRATION. Any dispute or claim related to your use of this website (including related calls, texts, or other communications) will be resolved by binding arbitration, not in court, except that you may bring qualifying claims in small claims court. This applies to claims against our clients, vendors, and Marketing Partners, who are third-party beneficiaries of this arbitration agreement. The Federal Arbitration Act and federal arbitration law govern.

Arbitration does not involve a judge or jury, and court review of an award is limited. An arbitrator may award the same damages and relief as a court (including injunctive or declaratory relief or statutory damages) on an individual basis and must apply these terms as a court would.

Arbitration may be administered by the American Arbitration Association (AAA) under its rules, including the Supplementary Procedures for Consumer-Related Disputes. AAA rules are at www.adr.org or by calling 1-800-778-7879. You may choose arbitration by phone, written submissions, or in person in your county or another agreed location.

We each agree that dispute resolution will be on an individual basis only, not in a class, consolidated, or representative action. If a claim is heard in court instead of arbitration, we each waive the right to a jury trial. We also agree that either party may sue in court to stop infringement or misuse of intellectual property.

CHANGES. The Company may at any time, in its discretion and without prior notice: (a) revise these Terms; (b) change the Site and/or Service; or (c) discontinue the Site and/or Service. Revisions will be posted on the Site and take effect when posted. You agree to check these Terms and other Site policies periodically. Continued use of the Site after a revision means you accept the revised terms.

ACKNOWLEDGEMENT. BY USING THE SERVICE OR ACCESSING THE SITE, YOU CONFIRM THAT YOU HAVE READ THESE TERMS OF USE AND AGREE TO BE BOUND BY THEM.