Keptera provides:

• Educational content
• Planning tools, calculators, and estimates
• Comparisons and informational resources
• Lead generation and referral services
• Advertising, affiliate, and sponsored content

(collectively, the “Services”).

Keptera does not provide professional, financial, legal, insurance, or contracting services. Keptera is not a broker, agent, contractor, or service provider.

All content, estimates, calculators, and tools are provided for informational and educational purposes only.

• Estimates are non-binding
• Results are not guaranteed
• Actual pricing, availability, scope, and outcomes may vary

You agree that reliance on any information provided by Keptera is at your own risk.

By submitting information on Keptera, you expressly acknowledge and agree that:

• Keptera may sell, license, transfer, or share your information with one or more third-party service providers, advertisers, affiliates, or partners (“Third Parties”)
• Third Parties may contact you via phone, SMS/text, email, or automated systems, where permitted by law
• Multiple Third Parties may contact you
• Keptera does not guarantee quotes, pricing, availability, qualifications, or outcomes
• Keptera may receive compensation per lead, per call, per click, per conversion, or per referral
• Keptera does not control and is not responsible for Third Party conduct, communications, or services.

Keptera participates in affiliate marketing and advertising programs.

This means:

• Keptera may earn compensation from links, referrals, form submissions, calls, or conversions
• Compensation may influence placement, prominence, or ranking
• Sponsored or paid placements may appear alongside organic content

All decisions to engage with Third Parties are made solely by you.

Keptera uses and authorizes the use of:

• Cookies
• Pixels
• SDKs
• Tags
• Device identifiers
• Server-side tracking
• Cross-device and cross-session attribution

These technologies are used for:

• Analytics
• Performance measurement
• Advertising attribution
• Lead validation
• Fraud prevention
• Monetization optimization

By using the Site, you consent to such tracking.

You represent and warrant that:

• You are at least 18 years old
• Information you submit is accurate and truthful
• You are authorized to submit the information provided
• You will not misuse the Site

You may not:

• Scrape, harvest, or resell Site data
• Interfere with tracking, attribution, or monetization systems
• Submit false or misleading information
• Use automated systems without authorization
• Circumvent security or validation measures

All Site content, tools, systems, data models, designs, and software are proprietary to Beach City Ventures, LLC or its licensors.

No rights are granted except as expressly stated.

Keptera may link to or integrate with Third Parties. Keptera:

• Does not endorse Third Parties
• Does not control their practices
• Is not liable for their actions

Your interactions with Third Parties are solely between you and them.

The Site and Services are provided “AS IS” and “AS AVAILABLE.”

We disclaim all warranties, express or implied, including:

• Accuracy
• Availability
• Merchantability
• Fitness for a particular purpose

To the fullest extent permitted by law, Beach City Ventures, LLC shall not be liable for:

• Indirect, incidental, consequential, special, or punitive damages
• Loss of data, revenue, profits, or business
• Third Party actions or communications
• Reliance on estimates or content

Total liability shall not exceed $100.

You agree to indemnify and hold harmless Beach City Ventures, LLC and its affiliates from any claims arising from:

• Your use of the Site
• Your submissions
• Your interactions with Third Parties
• Violations of these Terms

Use of Keptera is governed by our Privacy Policy, incorporated by reference.

We may modify these Terms at any time. Continued use constitutes acceptance.

We may suspend or terminate access at any time, for any reason.

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles.

All disputes shall be resolved via binding arbitration on an individual basis. No class actions or representative claims are permitted.

Keptera support@keptera.com