Terms of Use

Effective Date: September 8th, 2025
Poulton Associates, LLC (“Poulton Associates,” “we,” “us,” or “our”)

These Terms of Use (“Terms”) govern your access to and use of our websites, portals, and online services that link to these Terms, including poulton.com and any affiliated domains (collectively, the “Sites”). By accessing or using the Sites, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Sites.

1) Eligibility and Accounts

You must be at least 18 years old and, where applicable, a properly licensed insurance professional to use certain parts of the Sites. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.

2) Permitted Use and Restrictions

You may use the Sites only for lawful purposes and in accordance with these Terms. You will not:

access or use the Sites in any manner that could disable, overburden, damage, or impair them;
attempt to gain unauthorized access to any systems or data;
use any bot, scraper, or similar means to access the Sites without our prior written permission;
upload or transmit any malicious code;
use the Sites to infringe or violate others’ rights, including privacy and intellectual property.

We may suspend or terminate access for any violation of these Terms.

3) Insurance Disclosures (No Coverage Advice)

Content on the Sites is for general information only. Coverage is subject to the terms, limits, exclusions, and conditions of the applicable insurance policy and to carrier underwriting. Products and programs may not be available in all states. Nothing on the Sites is a promise to provide insurance or an offer to sell insurance in any jurisdiction where such offer would be unlawful.

4) Intellectual Property

The Sites and all content, features, and functionality (including text, graphics, logos, icons, images, software, and compilations) are owned by Poulton Associates or our licensors and are protected by intellectual-property laws. Except as expressly permitted, you may not copy, modify, distribute, or create derivative works from any portion of the Sites.

5) Third-Party Services and Links

The Sites may link to third-party websites or services. We are not responsible for third-party content, policies, or practices. Your use of third-party services is at your own risk and subject to their terms.

6. Mobile Messaging Terms (SMS) and Required SMS Disclosure

We offer optional text messaging to deliver service notices and, where permitted, business updates and promotional offers. The following disclosure satisfies carrier/CTIA expectations and your stated requirements.

Types of messages you may receive

Service & account notifications (e.g., verification codes, password resets, security alerts, outage/maintenance notices, policy-servicing updates).
Transaction/policy communications (e.g., quote or application status, billing or payment reminders, renewal or document availability, claims status).
Business updates, promotions, or offers from Poulton Associates related to our products and services.

Texting cadence (frequency)

Message frequency varies by conversation; messages sent only as necessary for an existing topic.
Service, security, and transactional messages are sent only when necessary regarding an existing topic (event-triggered); frequency varies based on your activity.
We strive to avoid message clutter; you control opt-in/opt-out at any time.

Opt-in / Opt-out / HELP

Opt-in SMS: Reply START in an existing 1-to-1 text conversation with a Poulton Associates representative.
Opt-in Web: Complete the consent form at https://www.poulton.com/sms-consent and submit the checkbox disclosure.
Opt-out: Text STOP at any time to end messages to that number. You’ll receive a one-time confirmation and then no further messages, unless you opt in again.
HELP: Text HELP for help. You may also contact us at [support email/phone below].
Consent is not a condition of purchasing any product or service.

Message & data rates; carriers

Message and data rates may apply. Delivery depends on your carrier and network. Carriers are not liable for delayed or undelivered messages.

Privacy; data handling

See our Privacy Policy for how we collect and use data.
We do not sell, rent, or share mobile/SMS opt-in data or consent with third parties for their own marketing purposes. We may disclose mobile numbers and messaging metadata to our vendors solely to deliver messages and to comply with law.

Program links

7) Electronic Communications

By using the Sites or contacting us electronically, you consent to receive communications from us electronically. We may communicate via email, portal notifications, or SMS as permitted by law and your preferences.

8) Disclaimer of Warranties

THE SITES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

9) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, POULTON ASSOCIATES AND OUR AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATING TO THE SITES WILL NOT EXCEED ONE HUNDRED DOLLARS ($100) OR, IF YOU HAVE A PAID ACCOUNT, THE AMOUNT YOU PAID TO US FOR ACCESS TO THE RELEVANT SERVICE IN THE THREE MONTHS BEFORE THE CLAIM AROSE.

10) Indemnification

You agree to defend, indemnify, and hold harmless Poulton Associates and our affiliates, officers, employees, and agents from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms or your use of the Sites.

11) Changes to the Sites and to These Terms

We may update the Sites and these Terms from time to time. Changes are effective when posted. Your continued use of the Sites after changes are posted constitutes your acceptance of the changes.

12) Governing Law; Venue

These Terms are governed by the laws of the State of [Utah], without regard to its conflicts-of-law rules. You agree to the exclusive jurisdiction and venue of the state and federal courts located in [Salt Lake County, Utah] for any dispute arising from or relating to the Sites or these Terms.

13) Termination

We may suspend or terminate your access to the Sites at any time and for any reason, including if we believe you have violated these Terms. Sections intended to survive termination will continue in effect.

14) Contact Us

Poulton Associates, LLC
3785 South 700 East,

Salt Lake City, UT 84106
Email: legal@poulton.com
Toll-Free: 1-888-POULTON (768-5866)