Section 01
Acceptance of Terms
By accessing or using this website, you agree to these Terms and to use the site only for lawful purposes. If you do not agree, you should not use the website.
Acceptance of Terms
By accessing or using this website, you agree to these Terms and to use the site only for lawful purposes. If you do not agree, you should not use the website.
Section 02
Scope of Services
PineSmi Insurance provides general information and assistance relating to insurance selection for retirees. Any information on this website is for general guidance only and does not create an obligation to offer, arrange, or place any insurance product.
03
Operational clause
Fees and Charges
If any fee, charge, or other commercial term applies to a particular service, it will be communicated separately before any commitment is made. We may decline or discontinue any inquiry or service request at our discretion, subject to applicable law.
04
Operational clause
User Obligations
You agree to provide accurate information when contacting us or requesting assistance and not to misuse the website, interfere with its operation, or use it in a way that may harm us or others. We may restrict access where necessary to protect the website or comply with legal requirements.
All content on this website, including text, layout, and other materials, is owned by or licensed to PineSmi Insurance unless stated otherwise. You may not copy, reproduce, modify, or distribute such content without prior written permission, except as allowed by law.
Reference Shelf
Clause board 05–06
05
Intellectual Property
All content on this website, including text, layout, and other materials, is owned by or licensed to PineSmi Insurance unless stated otherwise. You may not copy, reproduce, modify, or distribute such content without prior written permission, except as allowed by law.
06
Disclaimer of Warranties
The website is provided on an as available basis. To the fullest extent permitted by law, we make no warranty that the website will be uninterrupted, error-free, or suitable for any particular purpose, and we are not responsible for decisions made based on general website content.
07
Clause Summary
Governing Law
These Terms are governed by the laws applicable in the relevant jurisdiction for the website, without regard to conflict of law rules. Any dispute arising from the website or these Terms should be addressed through good-faith discussions before any formal proceedings, to the extent permitted by law.
08
Clause Summary
Changes to Terms
We may update these Terms from time to time by posting a revised version on this website. Continued use of the website after an update means you accept the revised Terms, and you should review them periodically.