Terms of Service

Last Updated: January 1, 2025

Welcome to www.eversteadfinancial.com. Please read these Terms of Service ("Terms") carefully before using our website.

1. Agreement to Terms

By accessing or using the website of Everstead Financial LLC ("Company," "we," "us," or "our"), you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our website.

2. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any changes by updating the "Last Updated" date. Continued use of the website after changes constitutes acceptance of the modified Terms.

3. Access and Use of the Site

3.1 Eligibility

You must be at least 18 years old to use this website.

3.2 License to Use

We grant you a limited, non-exclusive, non-transferable license to access and use our website for personal use.

3.3 Prohibited Uses

You agree not to:

- Use the site for any illegal purpose

- Attempt to gain unauthorized access to any portion of the site

- Interfere with the site's operation

- Copy, distribute, or modify site content without permission

- Use automated means to access the site

- Transmit malicious code or harmful content

- Impersonate others or provide false information

4. Intellectual Property Rights

4.1 Ownership

All content, features, and functionality on our website are owned by Everstead Financial LLC and protected by copyright, trademark, and other intellectual property laws.

4.2 Limited License

You may not copy, modify, distribute, sell, or lease any part of our website without our written permission.

5. User Content

5.1 Responsibility

You are responsible for any content you submit to our website.

5.2 Rights to Content

By submitting content, you grant us a non-exclusive, worldwide, royalty-free license to use, modify, and distribute that content.

6. Privacy and Data Protection

Your use of our website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

7. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content or practices of these websites.

8. Disclaimer of Warranties

8.1 "As Is" Basis

The website is provided on an "as is" and "as available" basis without any warranties of any kind.

8.2 No Guarantees

We do not guarantee that our website will be uninterrupted, secure, or error-free.

9. Limitation of Liability

9.1 Exclusion of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the website.

9.2 Cap on Liability

Our total liability for any claims under these Terms shall not exceed $100 or the amount you paid us in the past 12 months, whichever is greater.

10. Indemnification

You agree to indemnify and hold us harmless from any claims, damages, or expenses arising from your use of the website or violation of these Terms.

11. Termination

11.1 By You

You may stop using our website at any time.

11.2 By Us

We may terminate or suspend your access to the website at any time, without notice, for any reason.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of [Your State], without regard to its conflict of law principles.

13. Dispute Resolution

13.1 Informal Resolution

Before filing a claim, you agree to attempt to resolve the dispute informally by contacting us.

13.2 Arbitration

Any dispute arising from these Terms will be resolved through binding arbitration, conducted by a single arbitrator in accordance with the rules of the American Arbitration Association.

14. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in effect.

15. Entire Agreement

These Terms constitute the entire agreement between you and us regarding your use of the website.

16. Contact Information

For questions about these Terms, please contact us at:

Note: This Terms of Service document should be reviewed by legal counsel before implementation to ensure it meets your specific needs and complies with all applicable laws.