Terms of service

Effective date: [DATE]

Legal scaffold — counsel must draft the final text. Website terms governing use of this site. Commercial relationships are governed by the advertiser terms and publisher agreement, not this document.

1. Acceptance of terms

[Placeholder.]

2. Use of the site

[Permitted use, prohibited conduct.]

3. Intellectual property

[Marks, content ownership, limited license.]

4. Disclaimers

[No warranties; informational content is not legal or insurance advice.]

5. Limitation of liability

[Placeholder.]

6. Governing law & disputes

[Jurisdiction, venue, arbitration position.]

7. Contact

Questions via the contact page.