Terms of Service

Terms of Service

**Effective Date: September 18, 2025**

**1. ACCEPTANCE OF TERMS**

Welcome to PS Advisory ("we," "us," "our"), accessible at **https://psadvisory.com/**. PS Advisory is a premier **Salesforce consulting firm** specializing in delivering transformative technology solutions to the **insurance industry**. Our services include **Salesforce implementation**, **insurance-specific solutions**, **strategic consulting**, and comprehensive **advisory services** designed to optimize your organization's operations and drive growth.

By accessing or using our website, services, platforms, tools, or any content provided by PS Advisory (collectively, the "Services"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms"). If you are using our Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

**If you do not agree to these Terms, you must not access or use our Services.**

**2. THE SERVICES**

2.1 Definition of Services

"Services" encompasses our comprehensive suite of **professional consulting offerings**, including but not limited to:

  • **Salesforce consulting and implementation**
  • **Insurance industry solution architecture**
  • **Professional training and enablement programs**
  • **Ongoing support and maintenance**
  • **Strategic advisory services**
  • **Digital transformation consulting**
  • **Process optimization and automation**
  • **Integration services and data migration**

    • 2.2 Professional Use

    Our Services are intended for **professional and business use only**. Users must be at least **18 years of age** and authorized business representatives with the legal capacity to enter into binding agreements on behalf of their organization.

    2.3 Communication Consent

    By engaging with our Services or submitting inquiries, you **expressly consent** to receive communications from PS Advisory regarding:

  • **Business inquiries and proposals**
  • **Project updates and deliverables**
  • **Industry insights and thought leadership**
  • **Service announcements and updates**

    • We may contact you via **email, telephone, or text message** using the information you provide. This consent applies even if your number is registered on any **do-not-call registry**, as our communications are for **legitimate business purposes** related to our professional services.

    **3. PRIVACY POLICY**

    Your use of our Services is also governed by our **Privacy Policy**, which is incorporated into these Terms by reference. Our Privacy Policy describes how we collect, use, protect, and share information about you when you use our Services. By using our Services, you acknowledge that you have read and understood our Privacy Policy.

    **4. USER ACCOUNT, PASSWORD AND SECURITY**

    4.1 Account Access

    Certain features of our Services, including access to our **client portal** and **project management system**, require account registration. When creating an account, you must:

  • Provide **accurate, current, and complete** information
  • Maintain and promptly update your account information
  • Choose a **strong, unique password**
  • Maintain the **confidentiality** of your account credentials

    • 4.2 Security Responsibilities

    You are **solely responsible** for:

  • All activities that occur under your account
  • **Safeguarding your login credentials**
  • **Immediately notifying us** of any unauthorized use of your account
  • Ensuring compliance with your organization's **security policies**
  • **Implementing appropriate security measures** for any data accessed through our Services

    • We reserve the right to **suspend or terminate** accounts that pose a security risk or violate these Terms.

    **5. ACCEPTABLE USE**

    5.1 Professional Conduct

    You agree to use our Services in a **professional manner** consistent with all applicable laws and regulations. You must:

  • **Respect intellectual property rights** of PS Advisory and third parties
  • Maintain **professional standards** in all communications
  • Use Services only for **legitimate business purposes**
  • **Protect confidential information** shared through our platforms

    • 5.2 Prohibited Activities

    You must not engage in any activity that:

  • Violates any **applicable laws or regulations**
  • Infringes upon **intellectual property rights**
  • Compromises the **security or integrity** of our systems
  • Interferes with other users' access to our Services
  • Involves **unlawful, harmful, or fraudulent** activities

    • 5.3 Specific Prohibitions

    The following actions are **strictly prohibited**:

    **5.3.1** Attempting to gain **unauthorized access** to our systems, networks, or data

    **5.3.2** Transmitting any **viruses, malware, or harmful code**

    **5.3.3** Using our Services to **harvest or collect** information about other users without consent

    **5.3.4** **Reverse engineering, decompiling, or disassembling** any aspect of our Services or proprietary methodologies

    **5.3.5** **Misrepresenting your identity** or affiliation with any person or organization

    **6. CONSULTING ENGAGEMENT TERMS**

    6.1 Statement of Work

    Specific consulting engagements are governed by individual **Statements of Work (SOW)** that detail:

  • **Scope of services and deliverables**
  • **Project timelines and milestones**
  • **Resource allocation and responsibilities**
  • **Acceptance criteria and success metrics**
  • **Financial terms and payment schedules**

    • 6.2 Professional Standards

    PS Advisory commits to maintaining the **highest professional standards** including:

  • Adherence to **industry best practices**
  • **Certified expertise** in Salesforce and insurance technologies
  • **Quality assurance** processes for all deliverables
  • **Transparent communication** throughout engagements
  • Compliance with **professional codes of conduct**

    • 6.3 Deliverables and Milestones

    All project deliverables are subject to:

  • **Defined acceptance criteria** specified in the SOW
  • **Milestone-based review processes**
  • **Client approval procedures**
  • **Change management protocols** for scope modifications
  • **Quality standards** consistent with industry expectations

    • **7. CONFIDENTIALITY**

    7.1 Mutual Non-Disclosure

    Both parties acknowledge that they may have access to **confidential and proprietary information** during the course of engagement. Each party agrees to:

  • **Protect and maintain** the confidentiality of all proprietary information
  • Use confidential information **solely for authorized purposes**
  • **Limit access** to authorized personnel on a need-to-know basis
  • Apply **reasonable security measures** to protect confidential information
  • **Return or destroy** confidential information upon request or termination

    • 7.2 Definition of Proprietary Information

    Proprietary information includes but is not limited to:

  • **Business strategies and plans**
  • **Financial information and projections**
  • **Technical specifications and architectures**
  • **Customer lists and relationships**
  • **Pricing and proposal information**
  • **Proprietary methodologies and processes**

    • 7.3 Exceptions

    Confidentiality obligations do not apply to information that:

  • Is or becomes **publicly available** through no breach of these Terms
  • Was **rightfully known** prior to disclosure
  • Is **independently developed** without use of confidential information
  • Is **required to be disclosed** by law or court order (with prompt notice to the disclosing party)
  • Is **approved for release** through written authorization

    • **8. TERMINATION**

    8.1 Termination Rights

    We reserve the right to **suspend or terminate** your access to our Services:

  • For any **violation of these Terms**
  • For **non-payment** of fees or charges
  • If we reasonably believe your use poses a **security risk**
  • Upon **completion of contracted services**
  • As specified in applicable **Statements of Work**

    • 8.2 Project Completion

    Upon successful project completion or termination:

  • All **outstanding fees become immediately due**
  • **Access to project systems** may be revoked
  • **Deliverables** will be provided as specified in the SOW
  • **Knowledge transfer** will be conducted as agreed
  • **Post-project support** transitions per contractual terms

    • 8.3 Effect of Termination

    Termination does not relieve either party of:

  • **Payment obligations** incurred prior to termination
  • **Confidentiality obligations** which survive termination
  • **Indemnification responsibilities**
  • Any other obligations that by their nature should survive

    • **9. LINKS TO THIRD PARTY WEBSITES**

    Our Services may contain links to third-party websites and services including:

  • **Salesforce.com** platforms and resources
  • **Insurance carrier portals** and systems
  • **Technology partner sites** and integrations
  • **Industry association resources**
  • **Educational and certification platforms**

    • We are **not responsible** for the content, privacy policies, or practices of third-party sites. Your use of third-party services is governed by their respective terms and policies. We encourage you to **review the terms and privacy policies** of any third-party services you access through our Services.

    **10. COMPLIANCE WITH LAWS**

    10.1 Export Controls

    You acknowledge that our Services may include **software and technical data** subject to export control laws. You agree to comply with all applicable **export and re-export control laws** and regulations, including:

  • U.S. Export Administration Regulations
  • International Traffic in Arms Regulations
  • Economic sanctions programs administered by OFAC

    • 10.2 Privacy Laws

    We comply with applicable **data protection and privacy laws** including:

  • **California Consumer Privacy Act (CCPA)**
  • **General Data Protection Regulation (GDPR)**
  • **Personal Information Protection and Electronic Documents Act (PIPEDA)**
  • State-specific privacy regulations
  • **Insurance industry data protection requirements**

    • 10.3 Insurance Industry Regulations

    Our Services are designed to help clients comply with:

  • **NAIC model regulations** and guidelines
  • **State insurance department requirements**
  • **HIPAA** requirements where applicable
  • **SOC 2 Type II** compliance standards
  • Industry-specific **cybersecurity frameworks**

    • **11. INTELLECTUAL PROPERTY RIGHTS**

    11.1 PS Advisory Proprietary Methodologies

    PS Advisory retains all rights, title, and interest in our **proprietary methodologies** including:

  • The **Four Quadrant Method™** for producer enablement
  • The **Friction Gap Assessment™** framework
  • Our **implementation accelerators** and templates
  • **Custom code libraries** and components
  • **Training materials** and documentation
  • **Best practice frameworks** and processes

    • 11.2 Client Content Licensing

    You retain ownership of your content and data. By using our Services, you grant PS Advisory a **limited, non-exclusive license** to:

  • **Process and analyze** your data to provide Services
  • **Create derivative works** as necessary for service delivery
  • **Store and backup** your information for business continuity
  • **Use anonymized data** for service improvement (with your consent)

    • 11.3 Salesforce Trademarks

    Salesforce, Sales Cloud, Service Cloud, and other Salesforce products mentioned are **trademarks of Salesforce, Inc.** PS Advisory's use of these trademarks is pursuant to our **partnership agreements** with Salesforce. Your use of Salesforce products is subject to your separate agreements with Salesforce, Inc.

    **12. INDEMNITY**

    12.1 Your Indemnification

    You agree to **defend, indemnify, and hold harmless** PS Advisory, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from:

  • Your **violation of these Terms**
  • Your **use or misuse** of our Services
  • Your **violation of any laws** or regulations
  • Your **infringement** of any third-party rights
  • Any **content or data** you provide through our Services

    • 12.2 Procedure

    The indemnified party will:

  • **Promptly notify** the indemnifying party of any claim
  • Provide **reasonable cooperation** in defense of the claim
  • Allow the indemnifying party to **control the defense** and settlement

    • **13. DISCLAIMERS AND LIMITATION OF LIABILITY**

    13.1 Professional Services Disclaimer

    While we strive for excellence, PS Advisory provides Services on an **"AS IS" and "AS AVAILABLE"** basis. We make no warranties, express or implied, regarding:

  • The **uninterrupted or error-free** operation of Services
  • The **accuracy or reliability** of any information provided
  • The **results obtained** from use of our Services
  • **Compatibility** with all systems or configurations

    • 13.2 Third-Party Software

    We provide **no warranty** for third-party software, including:

  • **Salesforce platforms** and applications
  • **Integration tools** and middleware
  • **Third-party APIs** and services
  • **Open-source components**

    • Your use of third-party software is subject to their respective terms and warranties.

    13.3 Limitation of Liability

    **TO THE MAXIMUM EXTENT PERMITTED BY LAW:**

  • PS Advisory's total liability shall not exceed the **fees paid for the specific Services** giving rise to the claim in the **twelve months** preceding the claim
  • We shall not be liable for any **indirect, incidental, special, consequential, or punitive damages**
  • We shall not be liable for **loss of profits, data, business, or opportunities**
  • These limitations apply regardless of the **theory of liability**

    • 13.4 Exceptions

    The limitations above do not apply to:

  • **Gross negligence or willful misconduct**
  • **Breach of confidentiality obligations**
  • **Indemnification obligations**
  • Any liability that cannot be excluded by law

    • **14. GENERAL PROVISIONS**

    14.1 Governing Law

    These Terms shall be governed by and construed in accordance with the **laws of the State of Maryland**, without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the **federal or state courts located in Baltimore, Maryland**, and you hereby consent to the personal jurisdiction and venue therein.

    14.2 Severability

    If any provision of these Terms is held to be **invalid, illegal, or unenforceable**, the remaining provisions shall continue in **full force and effect**. The invalid provision shall be replaced with a valid provision that most closely reflects the **original intent** of the provision.

    14.3 Entire Agreement

    These Terms, together with any **Statements of Work**, **Order Forms**, and our **Privacy Policy**, constitute the **entire agreement** between you and PS Advisory regarding the use of our Services. These Terms supersede all prior or contemporaneous **communications, representations, or agreements**, whether oral or written.

    14.4 Waiver

    No waiver of any term or condition of these Terms shall be valid unless in **writing and signed** by PS Advisory. Our failure to enforce any right or provision shall not constitute a **waiver of future enforcement** of that right or provision.

    14.5 Assignment

    You may not **assign or transfer** these Terms or any rights or obligations hereunder without our prior written consent. PS Advisory may assign these Terms without restriction. Any attempted assignment in violation of this provision shall be **null and void**.

    14.6 Force Majeure

    Neither party shall be liable for any **delay or failure to perform** due to causes beyond their reasonable control, including but not limited to:

  • **Acts of God** or natural disasters
  • **War, terrorism, or civil unrest**
  • **Government actions or regulations**
  • **Labor disputes or strikes**
  • **Pandemic or epidemic**
  • **Infrastructure or utility failures**

    • 14.7 Notices

    All notices under these Terms shall be in writing and delivered to:

    **PS Advisory**

    **Baltimore, Maryland**

    **Email:** legal@psadvisory.com

    Notices shall be deemed given upon **receipt** when delivered personally, by email (with confirmation), or by certified mail.

    14.8 Modification of Terms

    We reserve the right to **modify these Terms** at any time. We will provide notice of material changes via:

  • **Email notification** to registered users
  • **Prominent notice** on our website
  • **In-app notifications** where applicable

    • Continued use of our Services after changes constitutes **acceptance of the modified Terms**.

    14.9 Contact Information

    For questions about these Terms of Service, please contact us at:

    **PS Advisory**

    **Email:** info@psadvisory.com

    **Website:** https://psadvisory.com

    **Phone:** Contact us through our website

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    *Last Updated: September 18, 2025*

    *PS Advisory reserves all rights not expressly granted in these Terms.*