TERMS OF USE
Last Updated: May 10, 2023
Your access to and use of any of our websites or client portals, including without is subject to these Terms of Use and all applicable laws and regulations. The Terms of Use constitute a legal agreement between you and Neil Jesani Advisors, Inc.. The Site is available only to, and may only be used by, individuals who can form legally binding contracts under applicable law. Without limiting the foregoing, the Site is not available to children (persons under the age of 18).
YOU ACKNOWLEDGE AND AGREE THAT, BY ACCESSING OR USING THE SITE, YOU ARE INDICATING THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THESE TERMS OF USE. YOU ALSO AFFIRM THAT YOU ARE AT LEAST 18 YEARS OF AGE. IF YOU DO NOT AGREE TO THESE TERMS OF USE, THEN YOU HAVE NO RIGHT TO ACCESS OR USE THE SITE, AND YOU AGREE TO MAKE NO SUCH ACCESS OR USE.
Personal And Non-Commercial Use Limitations
The Site is for your personal and non-commercial use, and Neil Jesani Advisors, Inc. grants you a non-exclusive, non-transferable and limited personal license to access and use the Site, conditioned on your continued compliance with these Terms of Use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, products or services obtained from the Site. You may not link other websites to the Site without the prior written permission of Neil Jesani Advisors, Inc..
You are prohibited from using the Site to advertise or perform any commercial solicitation. The information provided on this website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject the Company to any registration requirement within such jurisdiction or country.
No Unlawful or Prohibited Use
As a condition to your use of the Site, you represent and warrant to, and agree with, Neil Jesani Advisors, Inc. that you will not use the Site for any purpose that is unlawful or prohibited by these Terms of Use. In using the Site, you agree to obey the law, respect the rights of others and avoid objectionable, defamatory or disruptive behavior.
In addition, you will comply with the following “Rules of Conduct,” which we may update from time to time. You agree not to do any of the following:
Neil Jesani Advisors, Inc. reserves the right, at any time and without prior notice, to remove or disable access to the Site if Neil Jesani Advisors, Inc. , in its absolute discretion, considers your actions to be in violation of these Terms of Use or otherwise harmful to the Site.
We may terminate your use of the Site for any conduct that we consider to be inappropriate, or for your breach of these Terms of Use, including the Rules of Conduct. We reserve the right to remove any content from the Site at any time, for any reason.
Termination And Cancellation
Personal information transmitted to us will be treated in accordance with our Privacy Policy.
The Company reserves the right to modify these Terms of Use at any time without giving you prior notice. Your use of the website following any such modification constitutes your agreement to follow and be bound by the Terms of Use as modified. For this reason, we encourage you to review these Terms of Use whenever you use this website. The last date these Terms of Use were revised is set forth below.
Modification And Monitoring of Site
Neil Jesani Advisors, Inc. reserves the right, at its discretion, to change, modify, add or remove portions of the Site without notice to you and to modify these Terms of Use at any time. We may notify you of any changes to these Terms of Use by any reasonable means, including by posting the revised Terms of Use on the Site. We suggest that you check these Terms of Use periodically for changes. By continuing to access or use the Site after we have posted modified Terms of Use or have provided you with notice of a modification, you are indicating that you agree to be bound by the modified Terms of Use. Neil Jesani Advisors, Inc. expressly reserves the right to monitor any and all use of the Site.
Neil Jesani Advisors, Inc. will have the right to investigate and take all appropriate legal action to prevent, stop or deter violations of any of the above. Neil Jesani Advisors, Inc. may involve and cooperate with law enforcement authorities in prosecuting users who violate these Terms of Use or the rights of any third party.
You acknowledge that Neil Jesani Advisors, Inc. has no obligation to monitor your access to or use of the Site, but has the right to do so for the purpose of operating the Site, to ensure your compliance with these Terms of Use, or to comply with applicable law or the order or requirement of a court, administrative agency or other governmental body.
Limitation of liability and Indemnification
If you are dissatisfied with the website or any content on the website, or with the terms of use, your sole and exclusive remedy is to discontinue using the website. You acknowledge, by your use of the website, that your use of the website is at your sole risk. You understand and agree that under no circumstances will the company be liable for any damages whatsoever, including, but not limited to, (i) any direct, incidental, consequential, exemplary or indirect damages (including, but not limited to, damages for loss of business profits, business interruption, loss of data, programs or information, and the like) arising out of the use of or inability to use the website, the service, or the information or content provided therein, (ii) any claim attributable to errors, omissions or other inaccuracies in the website, the service and/or information or content contained therein or downloaded through the website, (iii) unauthorized access to or alteration of your transmissions or data, (iv) statements or conduct of any third party on the website or the service, or (v) any other matter relating to the website or the service, even if the company has been advised of the possibility of such damages. Because some states do not allow the exclusion or limitation of liability for consequential or incidental damages, some of the above limitations may not apply to you. In such states, the company’s liability is limited and warranties are excluded to the greatest extent permitted by law.
You agree, at your own expense, to indemnify, defend and hold harmless Neil Jesani Advisors, Inc. , its parents, subsidiaries and affiliates, and their officers, partners, managers, members, employees, agents, distributors and licensees, from and against any judgments, losses, deficiencies, damages, liabilities, costs, claims, demands, suits, and expenses (including, without limitation, reasonable attorneys’ fees and expenses) incurred in, arising out of or in any way related to your breach of these Terms of Use or the Privacy Policy, your use of the Site or any product or service related thereto, or any of your other acts or omissions.
You agree not to take any action that interferes with the proper working of the website; imposes an unreasonable or disproportionately large load on the website’s infrastructure; might compromise the security of the website; render the website or the Service inaccessible to others; or otherwise cause damage to the website or any Content contained on the website. You agree not to add to, subtract from or otherwise modify the Content on the website except as expressly authorized by the Company in these Terms of Use or by a written agreement between you and the Company.
User conduct
You agree not to take any action that interferes with the proper working of the website; imposes an unreasonable or disproportionately large load on the website's infrastructure; might compromise the security of the website; render the website or the Service inaccessible to others; or otherwise cause damage to the website or any Content contained on the website. You agree not to add to, subtract from, or otherwise modify the Content on the website except as expressly authorized by the Company in these Terms of Use or by a written agreement between you and the Company.
No Investment, Legal or Tax Advice
The information on the Site is intended to enable clients to understand the nature of Neil Jesani Advisors, Inc. services. It is not intended as and does not constitute investment advice or legal or tax advice. The Site may also provide you with access to software, functionality, web-based tools or calculators that you may use at your own risk, provided that you understand and agree that all such items are provided “as is” and without any warranty of any kind. There are inherent risks in relying on, using or retrieving any information found on the Site, and Neil Jesani Advisors, Inc. urges you to make sure you understand these risks before relying on, using or retrieving any information on the Site. You should evaluate the information made available through the Site, and you should seek the advice of professionals, as appropriate, to evaluate any opinion, advice, product, service or other information. You agree that Neil Jesani Advisors, Inc. is not liable for any action you take or decision you make in reliance on any information on the Site.
While Neil Jesani Advisors, Inc. has attorneys and Certified Public Accountants on staff who are available to work with clients, this office is not a law firm nor a Certified Public Accounting Firm and any advice provided to clients should be discussed with the clients own personal attorneys and CPA’s licensed in their individual states and other necessary and relevant professional service providers such.
Nothing in this web site constitutes investment, tax or legal advice. It is in your best interest and is your responsibility to evaluate the accuracy and completeness of any opinions, advice, services or other information provided in this web site. All information contained on any page is distributed with the understanding that the authors and distributors are not rendering legal, accounting or other professional advice or opinions on specific facts or matters, and accordingly assume no liability whatsoever in connection with its use. Neither Neil Jesani Advisors, Inc., nor any of its employees or consultant/agents are authorized to give legal or tax advice. Individuals are encouraged to seek the guidance of their own personal legal or tax counsel.
All Products, Programs and Services May Not be Available in Your States so please contact us directly for more information.
This web site is controlled by us from our office within the United States of America and it is meant be access from USA only. Except as specifically stated, we make no representation that content or materials in this web site are appropriate or available for use in other jurisdictions. Access to this web site content or materials from jurisdictions where such access is illegal is prohibited. If you choose to access this web site from other jurisdictions, you do so at your own risk. You are always responsible for your compliance with applicable laws. Neil Jesani Advisors Inc. and Neil Jesani Advisors, Inc. are not authorized to do business in every jurisdiction.
For Life Insurance based strategies, rates and availability are subject to underwriting approval by the insurance company selected, and the criteria to qualify varies widely among insurance companies. Any and all required illustrations, applications, supplemental forms, and other documents necessary to evaluate and/or apply for life insurance coverage will be provided as soon in the process as they become necessary. Policy forms vary by state. Rates, plans, and availability also vary by state. Suicide, misstatement, and misrepresentation restrictions may apply. In case of replacement of your existing policy, you should NOT cancel any existing coverage UNTIL you have received your new policy from the issuing company and found it to be satisfactory, in-force and up-to-date in premium payments. Please be aware that new incontestability and suicide clauses will be in effect for the first two years of your new policy. An incontestability clause states that the insurance company may not contest the policy after it has been in force for two years.
Truthful Information
As a condition to your use of the Site, you represent and warrant to, and agree with Neil Jesani Advisors, Inc. that, all of the information that you provide is truthful, accurate and complete.
Ownership Of Content
The Site and all of its content, including but not limited to all text, graphics, charts, audio, logos, images, data compilations, icons, code and software (“Content”), are the property of Neil Jesani Advisors, Inc. and are protected by U.S. and international copyright laws, with all rights reserved unless otherwise noted. All trademarks, service marks, trade names and other product and service names and logos displayed on the Site are proprietary to Neil Jesani Advisors, Inc. including all registered and unregistered trademarks and service marks of Neil Jesani Advisors, Inc.. If the Site includes any trademarks, service marks, trade names or logos of any third parties, such items are the proprietary marks and names of their respective owners, and are protected by applicable trademark and intellectual property laws. Your use of any Content, whether owned by Neil Jesani Advisors, Inc. or any third party, without the express written permission of Neil Jesani Advisors, Inc. is strictly prohibited except as otherwise expressly permitted in these Terms of Use. Without limiting the foregoing, you are prohibited from using any of Neil Jesani Advisors, Inc.’s copyrighted material or trademarks for any purpose, including, but not limited to, use as metatags, links or otherwise on any website, without the prior written permission of Neil Jesani Advisors, Inc.
Privacy
You agree that Neil Jesani Advisors, Inc. may collect, use and share personal information in connection with your use of the Site and that such information will be governed by Neil Jesani Advisors, Inc.’s Website Privacy Policy, which is hereby incorporated by reference as if fully set forth herein.
Third Party Links
The Site may contain hyperlinks to websites operated by parties other than Neil Jesani Advisors, Inc. , which may not have been screened or reviewed by Neil Jesani Advisors, Inc. and which may contain inaccurate, inappropriate or offensive material, products or services. Neil Jesani Advisors, Inc. does not control such websites, and Neil Jesani Advisors, Inc. assumes no responsibility or liability with regard to the accuracy, reliability, legality or decency of such third-party websites, content, products or services. Such hyperlinks are provided for your convenience only. Neil Jesani Advisors, Inc. ’s inclusion of hyperlinks to such websites does not imply any endorsement of the material on such websites or any association with their operators.
Third Party Materials
You may be able to access, review, display or use third party services, resources, content or information (“Third Party Materials”) via the Site. You acknowledge sole responsibility for, and assume all risk arising from, your access to, use of or reliance upon any such Third Party Materials. Neil Jesani Advisors, Inc. claims no ownership interest in any Third Party Materials and expressly disclaims any liability concerning those materials. Your ability to access or link to Third Party Materials does not imply any endorsement by Neil Jesani Advisors, Inc. of Third Party Materials or any such third party services. You acknowledge and agree that Neil Jesani Advisors, Inc. : (a) is not responsible for the availability or accuracy of such Third Party Materials or the products or services referenced in such Third Party Materials; and (b) has no liability to you or any third party for any harm, injuries or losses suffered as a result of your access to, reliance on or use of such Third Party Materials. Notwithstanding the foregoing, Neil Jesani Advisors, Inc. reserves the right to remove Third Party Materials at any time in Neil Jesani Advisors, Inc. ’s absolute discretion.
These Terms of Use do not authorize you to, and you may not, reproduce, distribute, publicly display, publicly perform, communicate to the public, make available, create derivative works of or otherwise use or exploit any Third Party Materials in violation of applicable copyright law, and the owners of such Third Party Materials may have the right to seek damages against you for any such violation.
YOUR USE OF THIRD PARTY MATERIALS IS AT YOUR OWN RISK AND MAY BE SUBJECT TO ADDITIONAL TERMS, CONDITIONS AND POLICIES APPLICABLE TO SUCH THIRD PARTY MATERIALS (INCLUDING, WHERE APPLICABLE, THE TERMS OF USE OR PRIVACY POLICIES OF THE PROVIDERS OF SUCH THIRD PARTY MATERIALS).
Third Party Service Providers
We use third party service providers, vendors, and licensors to assist in providing our services (each, a “Third Party Service Provider”). You hereby consent and authorize us to delegate the authorizations you provide to us to our Third Party Service Provider(s) as we deem necessary or desirable to provide the services to you. You agree that the terms and conditions of these Terms of Use, including without limitation the warranty disclaimers and liability limitations incorporated into these Terms of Use, inure to the benefit of such Third Party Service Providers and such Third Party Service Providers are deemed to be third party beneficiaries of these Terms of Use. You also agree that all references to us within these Terms of Use and any incorporated terms are also deemed to include, where applicable, our agents, such as the Third Party Service Providers.
General Provisions
You agree that no joint venture, partnership, employment or agency relationship exists between you and Neil Jesani Advisors, Inc. as a result of these Terms of Use or use of the Site.
Neil Jesani Advisors, Inc. ’s performance of these Terms of Use is subject to existing laws and legal process, and nothing contained in these Terms of Use is in derogation of Neil Jesani Advisors, Inc. ’s right to comply with law enforcement requests or requirements relating to your use of the Site or information provided to or gathered by Neil Jesani Advisors, Inc. with respect to such use.
These Terms of Use constitute the entire agreement between the user and Neil Jesani Advisors, Inc. with respect to the Site and they supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Neil Jesani Advisors, Inc. with respect to the Site.
If any part of these Terms of Use is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision shall be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of these Terms of Use shall continue in effect.
By reviewing or using the information on the Site after accessing the Site, you represent and warrant that (a) you have the authority to enter into these Terms of Use and create a binding contractual obligation, (b) you understand and intend these Terms of Use to be the legal equivalent of a signed, written contract equally binding, (c) you agree that Neil Jesani Advisors, Inc. may provide any communication or notification to you electronically and you hereby consent to receive by electronic means any and all agreements, documents, disclosures and/or notices required to be given by applicable law, regulation or internal Neil Jesani Advisors, Inc. policy, (d) you acknowledge that you can access information that is provided electronically at this Site, and (e) you will use the information on the Site in a manner consistent with applicable laws and regulations in accordance with these Terms of Use, as the same may be amended by Neil Jesani Advisors, Inc. online or otherwise from time to time. A printed version of these Terms of Use and any notice given in electronic form shall be admissible in judicial or administrative proceedings based on or relating to these Terms of Use to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.
You understand that the information on the website and provided directly by our team is subject to jurisdictional limits including where the company is licensed to operate. If you are browsing the website outside of the company’s jurisdictional limits, you do so at your own risk.
We offer our services, products and programs to only states where we are duly licensed and appointed.
Disclaimers And Limitation of Liability
THE INFORMATION, SOFTWARE AND SERVICES PUBLISHED ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. DUE TO VARIOUS FACTORS, INCLUDING THE INHERENT POSSIBILITY OF HUMAN AND MECHANICAL ERROR, THE ACCURACY, COMPLETENESS, TIMELINESS AND CORRECT SEQUENCING OF SUCH INFORMATION, SOFTWARE AND SERVICES AND THE RESULTS OBTAINED FROM THEIR USE ARE NOT GUARANTEED BY NEIL JESANI ADVISORS, INC. OR ANY PERSONS CREATING OR TRANSMITTING SUCH INFORMATION, SOFTWARE AND SERVICES.
NEIL JESANI ADVISORS, INC. AND/OR ITS RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE CONTENT AND OPERATION OF THE SITE AT ANY TIME WITHOUT NOTICE. THE SITE MAY BE TEMPORARILY UNAVAILABLE FROM TIME TO TIME DUE TO REQUIRED MAINTENANCE, TELECOMMUNICATIONS INTERRUPTIONS OR OTHER REASONS.
NEIL JESANI ADVISORS, INC. AND/OR ITS RESPECTIVE SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES CONTAINED ON THIS SITE FOR ANY PURPOSE. ALL SUCH INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ARE PROVIDED “AS IS” AND “AS-AVAILABLE” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. NEIL JESANI ADVISORS, INC. AND/OR ITS RESPECTIVE SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS AND SERVICES, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT AND AVAILABILITY. NO ORAL OR WRITTEN INFORMATION PROVIDED BY NEIL JESANI ADVISORS, INC. RELATED TO THE SITE SHALL CREATE A WARRANTY OR IN ANY WAY INCREASE THE SCOPE OF NEIL JESANI ADVISORS, INC.’S OBLIGATIONS HEREUNDER. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, THE ABOVE EXCLUSION MAY NOT APPLY TO YOU.
OUR USE OF THE SITE IS AT YOUR OWN RISK. NEIL JESANI ADVISORS, INC. DOES NOT WARRANT THAT THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES CONTAINED ON THIS SITE WILL MEET YOUR REQUIREMENTS, THAT THEY ARE COMPATIBLE WITH ANY PARTICULAR HARDWARE OR SOFTWARE PLATFORM, THAT THEY WILL BE FREE FROM ERRORS OR THAT ERRORS WILL BE CORRECTED. FURTHERMORE, NEIL JESANI ADVISORS, INC. DOES NOT WARRANT OR MAKE ANY REPRESENTATION REGARDING THE CORRECTNESS, ACCURACY, QUALITY, RELIABILITY OR SECURITY OF THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES CONTAINED ON THIS SITE. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM, LOSS OF DATA OR ANY OTHER DAMAGE OR LOSS THAT RESULTS FROM YOUR USE OF THE SITE OR THE DOWNLOAD OF ANY CONTENT FROM THE SITE. IN NO EVENT SHALL NEIL JESANI ADVISORS, INC. AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH OR RELATING TO THE USE OF OR ACCESS TO THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS OR SERVICES OBTAINED THROUGH THIS SITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF NEIL JESANI ADVISORS, INC. OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
NEIL JESANI ADVISORS, INC. AND ANY PERSON CREATING OR TRANSMITTING THE INFORMATION ON THE SITE SHALL NOT BE LIABLE FOR ANY INFECTION BY VIRUSES OF OR DAMAGE TO ANY COMPUTER THAT RESULTS FROM YOUR USE OF, ACCESS TO OR DOWNLOADING OF SUCH INFORMATION. IF YOU ARE DISSATISFIED WITH THE INFORMATION, PRODUCTS OR SERVICES OFFERED AT THE SITE OR WITH THE TERMS AND CONDITIONS OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF AND ACCESS TO THE SITE.
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