OnlineAdviser requires you to read, understand and accept the following Terms of Service:
1. OnlineAdviser service provided without charge is offered on a "best efforts basis". No liability is assumed for errant advice. Advice is based on sources believed to be reliable, but cannot be guaranteed.
2. Paid OnlineAdviser service is offered with a satisfaction guarantee. If you do not feel that you have received valuable service, send a written (e-mail) request for a refund of the fee paid. The fee will be refunded less any amount retained by PayPal for transaction fees. No other warranty is offered.
3. Advice offered is the personal opinion of the adviser only and does not represent the opinion of any other person, regulatory agency, government, plan sponsor, insurance exchange or company.
4. In the event of a conflict between the information provided by OnlineAdviser and any other published material or insurance policy, the other material or policy will always prevail.
5. Occasionally we may offer promotional free support services. Use of the free telephone support is limited to a 5 minute call in order to allow a greater number of users to reach the adviser. There is no limit for free Web-based or e-mail support. Additional telephone support may be purchased; details are provided on request.
6. OnlineAdviser service is not authorized without your prior acceptance of these Terms of Service. Your use of any OnlineAdviser service presumes that you have read, understand and accept these Terms of Service.