Terms of Use

Introduction

These Terms of Use explain how you may use www.outofthestormnews.com and its associated pages, tools, and downloads (the "Site"). References to "we," "us," and "our" mean Out of the Storm News as the publication. The domain-registration contact is identified separately below.

By accessing or using the Site, you agree to these Terms, our Privacy Notice, and our Disclaimer. If you do not agree, you should stop using the Site. The Site is intended for people who are at least 18 years old.

Educational content only

The Site publishes general educational information about insurance, Medicare, and related public data. Content does not constitute personalized insurance, financial, investment, medical, legal, tax, accounting, or other professional advice. It is not a recommendation, offer, solicitation, quote, or promise of coverage, benefits, eligibility, pricing, or results.

We do not sell, solicit, quote, issue, or bind insurance through the Site. Your use of the Site does not create a client, advisory, producer, broker, agent, fiduciary, professional, or other special relationship with us. Consult the current governing documents and an appropriately licensed or qualified professional before making decisions based on your individual circumstances.

Data, calculators, and other tools

The Site may organize public datasets, show historical costs, compare jurisdictions, and provide calculators, indexes, scenarios, downloadable files, or ZIP-based tools. These outputs are educational summaries or estimates. They are not live insurance quotes, underwriting decisions, coverage or benefit determinations, enrollment decisions, or predictions.

Source records can be delayed, corrected, incomplete, or inconsistent, and our processing can contain errors. Dates, methodology notes, definitions, geographic coverage, and source limitations form part of any output and should be read with it. You are responsible for confirming material information with the relevant insurer, plan, provider, regulator, agency, or official program source.

Permitted use and restrictions

You may access and use the Site for lawful personal, educational, journalistic, and internal business purposes, subject to these Terms and any source-specific terms identified with a dataset or download. You agree not to:

• use the Site in violation of applicable law;
• interfere with the Site, bypass security measures, introduce malicious code, or attempt unauthorized access;
• place an unreasonable load on the Site through abusive automated requests, bulk scraping, or similar activity;
• remove or misrepresent copyright, source, methodology, or other notices;
• imply that we, a source agency, a government program, or an insurer endorses you, your product, or your interpretation of the content; or
• use Site content to make deceptive, discriminatory, or unlawful eligibility, coverage, pricing, credit, employment, housing, or healthcare decisions.

We may limit or suspend access when reasonably necessary to protect the Site, its users, our rights, or third parties.

Ownership and source materials

The Site’s original text, design, branding, software, organization, and editorial presentation may be protected by applicable intellectual property laws. Rights may be held by the applicable author, publisher, or licensor. No rights are granted except the limited right to use the Site under these Terms.

Some facts, records, and datasets originate with government agencies or other third parties. Those materials remain subject to the rights, notices, licences, and terms of their respective sources. Our selection, processing, explanation, or presentation of source material does not transfer ownership of the underlying material to us.

Emails, feedback, and submissions

Email is not a secure or confidential channel. Do not send sensitive personal, medical, financial, policy, account, or claims information. If you send a correction, question, or other feedback, you grant us permission to use it to evaluate, correct, and improve the Site, subject to our Privacy Notice. Do not send material you do not have the right to share.

Third-party sites and services

The Site may link to government agencies, insurers, regulators, research sources, and other third parties. Links are provided for context and convenience and do not constitute endorsement. We do not control and are not responsible for third-party content, availability, security, products, services, or privacy practices. Your use of a third-party site is governed by that party’s terms and policies.

Accuracy, availability, and changes

We use reasonable efforts to provide useful, accurate information, but the Site’s educational pages, data displays, downloads, and tools are provided on an "as available" basis. To the fullest extent permitted by applicable law, we do not promise that the Site will be uninterrupted, secure, error-free, complete, current, or fit for a particular purpose.

We may correct, update, remove, suspend, or discontinue any part of the Site without notice. We may also revise these Terms. Updated Terms will be posted here with a revised "Last updated" date. Continued use after a change means you accept the updated Terms.

Limitation of liability

To the maximum extent permitted by applicable law, the Site and its contributors, content providers, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of data, revenue, profits, savings, opportunity, or goodwill, arising from or related to your use of or reliance on the Site.

Without limiting the foregoing, we are not responsible for decisions, purchases, enrollments, coverage selections, claims, financial actions, or failures to act based on Site content. Where liability cannot lawfully be excluded, any limitation will apply only to the extent permitted by the law that governs the claim.

Liability limitations in these Terms apply only where applicable law permits them.

General terms and governing law

If any provision of these Terms is found unenforceable, the remaining provisions will continue in effect. Our failure to enforce a provision is not a waiver. You may not assign your rights or obligations under these Terms without our written consent.

These Terms address access to and use of the Site. The Privacy Notice describes the information practices in scope, and the Disclaimer describes the educational and professional-advice limits. Applicable law governs these documents, and mandatory consumer rights remain unaffected.

Domain registrant contact

The registrar’s RDAP record lists AdvisorWorld.com Inc. as the registrant organization for outofthestormnews.com. Questions about these Terms may be sent to the company’s published support address, support@advisorworld.com.