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Terms of Use

Thank you for visiting www.pearsonravitz.com (the “Website”), which is owned and operated by Pearson Ravitz, LLC d/b/a Pearson Ravitz Insurance Agency (“PearsonRavitz”). PearsonRavitz provides insurance brokerage and consulting services with a focus on disability and life insurance.

These terms and conditions (“Terms of Use”) govern your access to and use of the Website, which includes your access to the content, functionality, products and services offered through the Website, the Portal (as defined herein) and the Secure Intake Form (as defined herein). These Terms of Use do not change or alter any other contract, policy or agreement between you and PearsonRavitz. Throughout these Terms of Use, the terms “we,” “us,” and “our” refer to PearsonRavitz and the terms “you” and “your” refer to any visitor to or user of the Website or any user of the Portal or the Secure Intake Form.

These Terms of Use are effective as of: 11/13/2018

Please carefully read these Terms of Use before you start using the Website and before you submit any Personally Identifiable Information or Protected Health Information to us through the Website, the Portal, the Secure Intake Form or via email. By accessing or browsing the Website, by submitting any Personally Identifiable Information or Protected Health Information to us, or by clicking to accept or agree to the Terms of Use when this option is made available to you, you agree to be legally bound, without limitation or qualification, to these Terms of Use and our Privacy Policy. If you do not agree to all, or any, of the provisions in these Terms of Use or our Privacy Policy please immediately exit and make no further use of the Website, the Portal, or the Secure Intake Form.

About the Website and the Secure Intake Form

Subject to these Terms of Use, the Website provides information about our services and allows users to: (i) obtain general information about disability and life insurance; (ii) view our blog articles related to disability and life insurance; (iii) review testimonials provided by our previous or current customers; and (iv) submit messages to us.

Additionally, after we’ve had an initial phone call with you, we may send you a link to a secure intake form via e-mail, which you may use to begin your engagement with us and to submit certain information to us, including your name, address, phone number, marital status, birthday, medical history, employment history, and income information (“Secure Intake Form”). After we’ve reviewed your submitted Secure Intake Form, we may provide you with a link to create username and password and access an online portal, which allows you to upload and manage documentation and forms used in connection with your application for certain insurance coverage (the “Portal”). Through the Portal you may: (i) access and view documentation requests and forms, and the due dates thereof; (ii) upload and submit documentation; and (iii) fill out forms with information such as your name, address, sex, marital status, social security number, driver’s license number as well as particular employment, financial, and medical information.

You Must Be At Least 18 Years of Age

By using, registering, and/or providing any information to us on the Website, the Portal, the Secure Intake Form or via email, you certify that you are at least eighteen (18) years of age. We do not collect personally identifiable information from any person whom we actually know is under the age of eighteen (18).

Changes to the Website and/or Terms of Use

From time to time and without providing notice to you, we will make changes or improvements to the items, services, and/or features included on the Website, the Secure Intake Form or the Portal. Additionally, from time to time and in our sole discretion, we will change or make additions to these Terms of Use, in which case we will post the revised Terms of Use on the Website and the revised Terms of Use will be effective immediately upon posting.

You are responsible for reviewing the most current version of the Terms of Use before using the Website, the Secure Intake Form, and the Portal, to ensure that you agree to any revisions to the Terms of Use. If at any time you do not agree to the revisions, you should immediately cease all use of and access to the Website, the Secure Intake Form, and the Portal. By continuing to use the Website, the Secure Intake Form, and/or the Portal after we post any such changes, you accept the Terms of Use, as modified. You further agree that these methods of providing notice and acceptance of changes or amendments to these Terms of Use and to the Website are reasonable.

Privacy Policy

You agree that all information you provide to us through the Website, the Portal, the Secure Intake Form, e-mail or otherwise, is governed by our Privacy Policy, which is hereby incorporated in these Terms of Use. By using the Website, the Portal, and/or the Secure Intake Form, you are accepting the terms and conditions of our Privacy Policy. If you do not agree to your information being used in any of the ways described in the Privacy Policy, you must discontinue use of the Website and the Portal and make no use of the Secure Intake Form.

Products or Services Offered

While we provide insurance consulting and brokerage services, PearsonRavitz is not an insurance company and assumes no underwriting, insurance or claim reimbursement risk. Additionally, PearsonRavitz does not process or manage insurance claims. The insurance products offered through PearsonRavitz are underwritten by insurance companies that are not affiliated with us and those insurance companies or others on their behalf manage insurance claims under the policies they issue. Additionally, the submission of completed documentation to us through the Portal does not automatically result in a binding coverage agreement.

The services and/or products described on the Website are continuously being updated and changed and it is possible that some of the services and/or products advertised on the Website may not be available at a particular time. Additionally, we make no representation that materials on the Website are appropriate or available for use in any particular location. The insurance products and services described on the Website are only intended for persons and entities in the states and jurisdictions of the United States where these insurance products and services may legally be sold. Nothing on the Website shall be considered a solicitation to buy or an offer to sell any products or services in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful. PearsonRavitz is not responsible to you, or to any other party, if a product or service displayed on the Website is not available for purchase at any particular time or if a product or service varies from a description provided on the Website.

Existing Insurance Coverage

If you intend to purchase insurance, do not cancel any existing insurance until you received written confirmation form the insurance company to which you are applying that your new policy is in effect.

Account Security

The Portal and some portions of the Website may be restricted and may require users to create an account (“Account”) and obtain a user name and password to gain access. If you create an Account on the Website or the Portal, you must treat your user name, password and any other information related to your Account (“Account Information”) as confidential, and you must not disclose it to any other person or entity. You acknowledge that your Account is personal to you and, except as provided herein, you agree not to provide any other person with access to your Account with access to your Account Information or other security information.

You are responsible for all activity performed and transactions entered into on or through your Account, and you agree that we may treat any activity performed or transaction entered into on or through your Account as authorized by you unless you notify us in a timely manner of unauthorized activity.

You agree to notify us immediately of any unauthorized access to your Account, use of your user name or password or any other breach of security. You also agree to ensure that you exit from your Account at the end of each session. You should refrain from accessing your Account from public or shared computers, and should only access your Account from a personal computer. When accessing other parts of the Website using public or shared computers, you should use particular caution when logging into and using your Account, and when submitting Personally Identifiable Information through the Website so that others are not able to view or record your password, Account Information, or other information on your Account or otherwise.

We have the right to disable any Account, user name, password or other identifier, whether chosen by you or provided by us, at any time in our sole discretion for any or no reason, including but not limited to, if in our opinion, you have violated any provision of these Terms of Use or if we believe that your Account is being used by an unauthorized party.

Your Responsibility

You represent that all of the information, data, and other materials that you provide on the Website, on the Portal, through the Secure Intake Form, via e-mail or to PearsonRavitz through any other means, are true, accurate, and complete. You are responsible for updating and correcting the information you have provided on the Website, on the Portal, through the Secure Intake Form, via e-mail or to PearsonRavitz through any other means, as appropriate.

You must not use the Website, the Portal, or the Secure Intake Form: (a) to violate any local, state, national or international law or regulation, including but not limited to the Gramm-Leach Bliley Financial Modernization Act, Health Insurance Portability and Accountability Act of 1996 (“HIPAA”), as well as other applicable data security and privacy laws and regulations; or (b) to interfere with or disrupt the servers or networks connected to the Website, the Portal, or to the Secure Intake Form, or disobey any requirements, procedures, policies or regulations of networks connected to the Website, the Portal, or the Secure Intake Form.

Except as permitted pursuant to these Terms of Use or otherwise agreed by us in writing, permission is hereby granted to the extent necessary to lawfully access and use the Website and/or information, materials, products and/or services available on it to display, download, archive and print in hard copy, portions of the Website on a temporary basis and for your individual non-commercial use only, provided you do not modify the materials and that you retain any and all copyright and other proprietary notices contained in the materials. PearsonRavitz neither warrants nor represents that use of content displayed on the Website will not infringe rights of third parties not owned by or affiliated with PearsonRavitz.

Except as permitted pursuant to these Terms of Use or otherwise agreed by us in writing, you must not display, reproduce, duplicate, copy, sell, resell or exploit for any commercial purposes, any portion of the Website. Without our prior written consent, you may not: (a) allow, enable, or otherwise support the transmission of mass unsolicited, commercial advertising or solicitations via e-mail (spam); (b) use any high volume, automated, or electronic means (including without limitation robots, spiders, scripts or other automatic device) to monitor or copy the Website web pages or the content contained thereon; (c) link or deep-link to the Website for any purpose except as described in these Terms of Use; or (d) frame the Website, place pop-up windows over its pages, or otherwise affect the display of the Website.

Intellectual Property

Unless otherwise indicated, the Website, the Portal, and the Secure Intake Form and their design, text, content, selection and arrangement of elements, organization, graphics, compilation, magnetic translation, digital conversion and other matters related to the Website are protected under applicable copyright, trademark and other proprietary laws, including but not limited to those of the United States, and all rights therein are the property of PearsonRavitz or the material is included with the permission of the rights owner.

You acknowledge that PearsonRavitz owns all right, title and interest in and to all of the information on the Website, the Portal, and/or the Secure Intake Form, and all underlying software and technology, including without limitation all Intellectual Property Rights, or that the material is included with the permission of the rights owner. “Intellectual Property Rights” means any and all rights existing from time to time under patent law, copyright law, trade secret law, trademark law, unfair competition law, any and all other proprietary rights, and any and all applications, renewals, extensions and restorations thereof, now or hereafter in force and effect worldwide.

TRADEMARKS. Certain of the names, logos, and other materials displayed on the Website, the Portal, and the Secure Intake Form, constitute trademarks, tradenames, service marks or logos (“Marks”) of PearsonRavitz or other entities. You are not authorized to use any such Marks. Ownership of all such Marks and the goodwill associated therewith remains with PearsonRavitz or those other entities.

COPYRIGHTS; RESTRICTIONS ON USE. The content made available to you through the Website, the Portal, and the Secure Intake Form, including without limitation, text, databases, software, code, music, sound, photos, and graphics (“Our Content”), is: (a) copyrighted by PearsonRavitz and/or its licensors under United States and international copyright laws; (b) subject to other intellectual property and proprietary rights and laws; and (c) owned by PearsonRavitz or its licensors. Except as permitted in the Terms of Use or otherwise agreed by us in writing, Our Content may not be copied, modified, reproduced, republished, posted, transmitted, sold, offered for sale, performed, displayed, or redistributed in any way without our prior written permission and/or the prior written permission of our applicable licensors. You must abide by all copyright notices, information, or restrictions contained in or attached to any of Our Content.

Linking to the Website and Links from the Website

You may link to the homepage of the Website provided that you do so in a way that is fair and legal and does not damage our reputation or take advantage of it. However, you must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part without our express written consent.

Subject to the foregoing, you must not: cause the Website or portions of it to be displayed, or appear to be displayed by, for example, framing, deep linking or in-line linking, on any other site; link to any part of the Website other than the homepage; otherwise take any action with respect to the materials on the Website that is inconsistent with any other provision of these Terms of Use. You agree to cooperate with us in causing any unauthorized framing or linking immediately to cease. We reserve the right to withdraw linking permission without notice.

The Website may include links to other sites and resources provided by third parties, such as links to our accounts on Facebook, Twitter, and LinkedIn. We have no control over the content of third-party sites and accept no responsibility for them or for any loss or damage that may arise from your use of such sites. If you decide to access any third-party websites linked to the Website, you do so entirely at your own risk and subject to the terms and conditions of use of such websites.

Mobile Services

The Website, the Portal, and/or the Secure Intake Form may be available via mobile devices. When accessing the Website, the Portal, and/or the Secure Intake Form through a mobile device, you agree to be responsible for all of your wireless service carrier’s standard charges, data rates and other applicable fees. You agree that your use of the Website, the Portal, and the Secure Intake Form will comply with the usage rules established by your service provider and agree to be solely and fully liable to the extent your use of the Website do not comply with such usage rules.

Limitation of Liability and Disclaimer of Warranties

WE TAKE REASONABLE MEASURES TO ENSURE THAT THE INFORMATION PRESENTED ON AND THROUGH THE WEBSITE IS ACCURATE AND COMPLETE. HOWEVER, THE INFORMATION PRESENTED ON OR THROUGH THE WEBSITE IS MADE AVAILABLE SOLELY FOR GENERAL INFORMATION PURPOSES. WE MAKE NO GUARANTEES, REPRESENTATIONS OR WARRANTIES, WHETHER EXPRESSED OR IMPLIED, WITH RESPECT TO: (I) THE ACCURACY, COMPLETENESS, OR USEFULNESS OF THE INFORMATION PRESENTED ON THE WEBSITE, INCLUDING, BUT NOT LIMITED TO INFORMATION RELATED TO LIFE, HEALTH OR DISABILITY INSURANCE, INSURANCE POLICIES, PRICE OR COST INFORMATION OR OTHER CONTENT OR INFORMATION MADE AVAILABLE THROUGH THE WEBSITE; (II) THE QUALITY AND SECURITY OF THE WEBSITE, THE SECURE INTAKE FORM, OR THE PORTAL; (III) THE ABILITY TO ACCESS THE WEBSITE, THE SECURE INTAKE FORM, THE PORTAL OR THE CONTENT THEREOF, OR YOUR ABILITY TO PURCHASE ANY SERVICE DISPLAYED ON THE WEBSITE; (IV) WHETHER THE WEBSITE, THE PORTAL, OR THE SECURE INTAKE FORM WILL BE FREE OF VIRUSES, UNAUTHORIZED CODE OR OTHER HARMFUL COMPONENTS.

YOU ARE RESPONSIBLE FOR TAKING ALL PRECAUTIONS YOU BELIEVE NECESSARY OR ADVISABLE TO PROTECT YOU AGAINST ANY CLAIM, DAMAGE, LOSS OR HAZARD THAT MAY ARISE BY VIRTUE OF YOUR USE OF THE WEBSITE, THE PORTAL, OR THE SECURE INTAKE FORM. WHEN USING THE WEBSITE, THE PORTAL, OR THE SECURE INTAKE FORM, INFORMATION WILL BE TRANSMITTED OVER A MEDIUM THAT IS BEYOND THE CONTROL OF PEARSONRAVITZ. ACCORDINGLY, PEARSONRAVITZ ASSUMES NO LIABILITY FOR OR RELATING TO THE DELAY, FAILURE, INTERRUPTION, OR CORRUPTION OF ANY DATA OR OTHER INFORMATION TRANSMITTED IN CONNECTION WITH USE OF THE WEBSITE, THE PORTAL AND/OR THE SECURE INTAKE FORM, AND YOU (AND NOT PEARSONRAVITZ) ASSUME THE ENTIRE COST OF ALL NECESSARY MAINTENANCE, REPAIR OR CORRECTION.

WE DO NOT ASSUME ANY LIABILITY RELATED TO YOUR USE OF ANY THIRD-PARTY WEBSITE LINKED TO THE WEBSITE OR OTHERWISE.

IN NO EVENT SHALL WE BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON ANY CONTENT AND/OR IN CONNECTION WITH THE PRODUCTS OR SERVICES MADE AVAILABLE TO YOU ON OR THROUGH THE WEBSITE. ANY RELIANCE YOU PLACE ON INFORMATION PROVIDED OR SERVICES RENDERED ON OR THROUGH THE WEBSITE IS AT YOUR OWN RISK. WE DISCLAIM ALL LIABILITY AND RESPONSIBILITY ARISING FROM ANY RELIANCE PLACED ON SUCH INFORMATION AND/OR ON OUR SERVICES BY YOU OR ANY OTHER VISITOR TO THE WEBSITE, OR BY ANYONE WHO MAY BE INFORMED OF THE CONTENTS OF THE WEBSITE.

SHOULD YOU PURCHASE A PRODUCT OFFERED THROUGH PEARSONRAVITZ, THE TERMS AND CONDITIONS APPLICABLE TO THAT TRANSACTION WILL GOVERN SUCH PURCHASE. YOUR USE OF THE WEBSITE, THE PORTAL, OR THE SECURE INTAKE FORM DOES NOT AFFECT THAT PURCHASE IN ANY MANNER.

Additionally, these Terms of Use give you specific legal rights and you may also have other rights which vary from country to country. Some jurisdictions do not allow the exclusion of implied warranties, or certain kinds of limitations or exclusions of liability, so the limitations and exclusions set out herein may not apply to you. Other jurisdictions allow limitations and exclusions subject to certain conditions. In such a case the limitations and exclusions set out herein shall apply to the fullest extent permitted by the laws of such applicable jurisdictions.

Limitation of Damages and Remedies

YOU AGREE THAT PEARSONRAVITZ, ITS AFFILIATES AND/OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND/OR DIRECTORS SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DAMAGES SUFFERED AS A RESULT OF: (I) ACCESSING, USING, PRINTING, COPYING OR DOWNLOADING ANYTHING FROM THE WEBSITE, THE PORTAL OR THE SECURE INTAKE FORM; (II) ANY LOSS OF DATA STORED ON THE WEBSITE OR THE PORTAL; (III) ANY LOSS OR INJURY CAUSED IN WHOLE OR IN PART BY RELYING UPON, USING, OR INTERPRETING THE WEBSITE, THE PORTAL, THE SECURE INTAKE FORM, OR ANY INFORMATION PRESENTED THEREON; OR (IV) ANY LOSS OR DAMAGE THAT MAY ARISE AS A RESULT OF THE USE OF THE WEBSITE, THE PORTAL, YOUR ACCOUNT INFORMATION, OR THE SECURE INTAKE FORM. IN NO EVENT WILL PEARSONRAVITZ BE LIABLE TO YOU OR ANYONE ELSE FOR ANY INCIDENTAL, CONSEQUENTIAL, INDIRECT, SPECIAL OR EXEMPLARY DAMAGES OR LOST PROFITS ARISING OUT OF THE USE OR INABILITY TO USE THE WEBSITE, THE PORTAL, OR THE SECURE INTAKE FORM, EVEN IF PEARSONRAVITZ, ITS AGENTS OR REPRESENTATIVES KNOW OR HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. PEARSONRAVITZ’S CUMULATIVE LIABILITY TO YOU OR ANY OTHER PARTY FOR ANY LOSS OR DAMAGES RESULTING FROM ANY CLAIMS, DEMANDS, OR ACTIONS ARISING OUT OF OR RELATING TO THE WEBSITE, THE PORTAL, THE SECURE INTAKE FORM, OR THESE TERMS OF USE, INCLUDING BUT NOT LIMITED TO DISSATISFACTION WITH ANY PRODUCTS AND/OR SERVICES OFFERED AND/OR PROVIDED THROUGH THE WEBSITE, SHALL NOT EXCEED FIVE HUNDRED DOLLARS ($500.00).

SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL DAMAGES, OR LIMITATIONS UPON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU. IN NO EVENT SHALL PEARSONRAVITZ BE LIABLE FOR ANY PERSONAL INJURY, INCLUDING DEATH, CAUSED BY YOUR USE OR MISUSE OF THE WEBSITE OR THE CONTENT OR ANY OF THE PRODUCTS AND/OR SERVICES OFFERED ON OR THROUGH THE WEBSITE.

ANY CLAIMS MADE BY YOU IN CONNECTION WITH YOUR USE OF THE PORTAL, THE SECURE INTAKE FORM, THE WEBSITE, OR THE WEBSITE CONTENT, MUST BE BOUGHT BY YOU WITHIN ONE (1) YEAR OF THE DATE ON WHICH THE EVENT GIVING RISE TO SUCH ACTION OCCURRED. ALL REMEDIES SET FORTH HEREIN ARE EXCLUSIVE AND ARE LIMITED TO THOSE EXPRESSLY PROVIDED FOR IN THE TERMS OF USE.

Termination

You agree that we, in our sole discretion, may terminate your use of, and/or access to the Website and/or the Portal if we believe that you have violated or acted inconsistently with the letter or spirit of these Terms of Use. FURTHER, YOU AGREE THAT WE SHALL NOT BE LIABLE TO YOU OR ANY OTHER PARTY FOR ANY TERMINATION OF YOUR ACCESS TO THE WEBSITE OR THE PORTAL.

Indemnity

You agree to indemnify, defend and hold harmless PearsonRavitz, its parents, subsidiaries, affiliates, officers, directors, and other partners, employees, consultants and agents, from and against any and all claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys’ fees and court costs) that such parties may incur, resulting from, or alleged to result from your, your employee’s, or your agent’s: (i) breach of these Terms of Use; (ii) violation of any applicable law, regulation, rule or order pertaining to use of the Website, the Portal, or the Secure Intake Form; (iii) unauthorized or unlawful use of the Website, the Portal, or the Secure Intake Form; and (iv) unauthorized disclosure or release of any Account Information or any Personally Identifiable Information.

No Extraterritoriality

PearsonRavitz is based in the United States of America and makes no claims that the Website, the Portal, or the Secure Intake Form are appropriate for, or may be accessed, downloaded or used by, persons residing outside of the United States of America. PearsonRavitz makes no representation that the Website, the Portal, or the Secure Intake Form are appropriate or may legally be used in the nation, state, province or other jurisdiction in which you reside, do business, or are incorporated or organized, and access to the Website, the Portal, and the Secure Intake Form are prohibited from jurisdictions where the Website, the Portal, the Secure Intake Form, and/or the content thereof, is illegal.

Those who choose to access the Website, the Portal, or the Secure Intake Form do so on their own initiative and are responsible for compliance with applicable laws and regulations, including but not limited to the Gramm-Leach Bliley Financial Modernization Act, Health Insurance Portability and Accountability Act of 1996 (“HIPAA ”), as well as other applicable data security and privacy laws and regulations. Access to the Website, the Portal, and/or the Secure Intake Form may not be legal by certain persons in certain countries. If you access the Website, the Portal, or the Secure Intake Form from outside the United States of America, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction.

Jurisdiction and Choice of Law

You agree that with respect to any suit, action or proceeding arising out of or in connection with any dispute with PearsonRavitz, including without limitation any claim involving PearsonRavitz or its parents, subsidiaries, affiliates, officers, directors, and other partners, employees, consultants and agents: (i) you will submit to the jurisdiction of the courts of the Commonwealth of Pennsylvania; (ii) venue for all disputes will be the Federal and State courts located in Philadelphia, Pennsylvania and (iii) you irrevocably waive any objection that you may have at any time to the laying of venue of any suit, action or proceeding arising out of or relating hereto brought in any such court; irrevocably waive any claim that any such suit, action or proceeding brought in any such court has been brought in an inconvenient forum; and irrevocably waive the right to object, with respect to any such claim, suit, action or proceeding brought in any such court, that such court does not have jurisdiction over you.

You agree that these Terms of Use, as well as any suit, action or proceeding arising out of or in connection with any dispute with PearsonRavitz, including without limitation any claim involving PearsonRavitz or its parents, subsidiaries, affiliates, officers, directors, and other partners, employees, consultants and agents, shall be governed by and construed in accordance with the laws of Pennsylvania in all matters, including, without limitation, its validity, construction, interpretation and performance, and without regard to provisions regarding conflicts of law.

Assignment

We may assign these Terms of Use, in whole or in part, in our sole discretion. You may not assign your rights under these Terms of Use without our prior written permission. Any attempt by you to assign your rights under these Terms of Use without the permission of PearsonRavitz shall be void.

Headings

The headings of the various sections of these Terms of Use have been inserted only for the purposes of convenience, and those headings shall not be deemed, in any manner, to modify, enlarge or restrict any of the provisions of these Terms of Use.

Severability and Non-Waiver

Our failure to enforce any provision of these Terms of Use shall not be deemed a waiver of such provision nor of the right to enforce such provision, and a waiver by us of any right herein on any occasion will not constitute a waiver of such right or any other right on any other occasion. In the event any provision of these Terms of Use is determined to be invalid, such invalidity will not affect the validity of the remaining portions of these Terms of Use, and the parties will substitute for the invalid provision a provision which most closely approximates the intent and economic effect of the invalid provision. These Terms of Use will apply in lieu of and notwithstanding any specific legend or statement associated with any particular document or information exchanged.

Survivability and Reservation of Rights

The following provisions of the Terms of Use survive the expiration or termination of the Terms of Use for any reason whatsoever: Limitation of Liability and Disclaimer of Warranties, Limitation of Damages and Remedies, Termination, Indemnity, Jurisdiction and Choice of Law. PearsonRavitz reserves all rights not expressly granted to you herein.

PearsonRavitz’s Contact Information

If you have any questions regarding these Terms of Use or any other matter, you can contact PearsonRavitz at:

PearsonRavitz, LLC
10 East Athens Avenue, Suite 208
Ardmore, Pa 19003
Telephone: (610) 658 3251
E-mail: info@pearsonravitz.com