Terms and Conditions

1. Agreement to Terms

Welcome to True Advisor. These Terms and Conditions ("Terms") govern your access to and use of the website and services (collectively, the "Service") provided by OLM Inc., doing business as True Advisor ("we," "us," or "our").

By using or accessing our Service, you agree to these binding Terms. If you do not agree to these Terms, you may not access or use the Service.

2. Description of Our Service

True Advisor is an online platform providing information, reviews, and comparisons on various products and services. Our Service is funded by advertising and affiliate relationships.

3. Intellectual Property Rights

Our Content: All original content created and featured on the Service—including but not limited to text, articles, reviews, data, graphics, logos, the "look and feel" of the website, and our unique scores and ratings—is the exclusive property of OLM Inc. and is protected by copyright, trademark, and other intellectual property laws.

Third-Party Content: All third-party trademarks, brand names, logos, and images of products or services mentioned or displayed on our Service are the property of their respective owners. Their use on our site is for identification and informational purposes only and does not suggest an endorsement by or of True Advisor.

4. Your Right to Use the Service (User License)

Even though our Service is free, your use of it is governed by certain rules. We give you a limited, non-exclusive, non-transferable, and revocable license to access and use the Service for your personal and non-commercial use. This means you are free to browse and learn from our site, but you agree not to copy, reproduce, distribute, sell, or otherwise exploit any of our content without our express written permission.

5. Prohibited Uses

You agree not to use the Service for any unlawful purpose or to engage in the following activities:

• Scraping, data mining, or using any automated device to extract data from the Service.
• Interfering with the proper working of the Service, including introducing viruses, worms, or other malicious code.
• Attempting to reverse-engineer, decompile, or discover source code of any part of the Service.
• Using the Service in any way that violates these Terms or applicable laws.

6. Disclaimers

Service Provided "As-Is": The Service and all content are provided on an "as-is" basis without warranties of any kind.

Accuracy of Information: While we strive for accuracy, product and service details change frequently. We cannot guarantee the completeness or reliability of any information on the Service.

Not Professional Advice: Our content, especially on financial topics, is for informational purposes only. It is not professional financial, legal, tax, or investment advice.

Third-Party Websites: Our Service contains links to external websites. We are not responsible for their content, privacy policies, or practices.

7. Limitation of Liability

To the fullest extent permitted by law, OLM Inc. and its affiliates, officers, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, resulting from your use of the Service or reliance on information herein.

8. Governing Law and Jurisdiction

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles. Legal proceedings related to these Terms shall be brought exclusively in courts located in Wilmington, Delaware.

9. General Provisions

Changes to Terms: We may change these Terms at any time. Revised Terms will be posted here with an updated "Effective Date." Continued use of the Service means acceptance of changes.

Termination: We may suspend or terminate your access at our sole discretion, without notice, if you violate these Terms or harm others, us, or third parties.