Terms of Use

Acceptance of Terms

By accessing or using the Sword and Shield website (the “Site”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree with these Terms, do not use or access the Site.

Changes to These Terms

We may modify or update these Terms at any time in our sole discretion. Changes will be effective when posted on the Site with an updated “Last Updated” date. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms.

Use of the Site

You may use the Site only for lawful purposes and in compliance with these Terms. You agree not to:

• Violate any applicable federal, state, or local law or regulation;

• Use the Site in a manner that could disable, overburden, or impair the Site’s operation;

• Interfere with another user’s enjoyment of the Site;

• Attempt to gain unauthorized access to any portion of the Site or its systems;

• Upload or transmit any unlawful, harmful, or offensive content.

Intellectual Property Rights

All content on the Site — including text, graphics, logos, images, videos, software, and other materials — is the property of Vanasek Insurance or its licensors and is protected by U.S. and international intellectual property laws.

You may view, download, or print content solely for your personal, non‑commercial use. You may not copy, distribute, modify, transmit, display, or use any content for commercial purposes without our express written permission.

Site Content and Accuracy

The information provided on the Site is for general informational purposes only and does not constitute advice. While we strive for accuracy, Sword and Shield does not warrant that content is complete, accurate, or up to date. We disclaim all liability for errors, omissions, or inaccuracies in the Site content.

Disclaimers

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON‑INFRINGEMENT.

SWORD AND SHIELD DOES NOT GUARANTEE UNINTERRUPTED, SECURE, OR ERROR‑FREE OPERATION OF THE SITE.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, VANASEK INSURANCE AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND PARTNERS ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THIS LIMITATION APPLIES TO ALL CLAIMS, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE.

Indemnification

You agree to defend, indemnify, and hold harmless Vanasek Insurance and its officers, directors, employees, agents, and partners from any claims, liabilities, losses, damages, costs, and expenses (including reasonable attorneys’ fees) arising from or related to:

• Your use of the Site;

• Your violation of these Terms;

• Your violation of any law or rights of a third party.

Third‑Party Links and Services

The Site may contain links to third‑party websites, resources, or services. These links are provided for convenience only and do not constitute endorsement. Sword and Shield is not responsible for the content, practices, privacy policies, or accuracy of any third‑party sites.

Governing Law and Jurisdiction

These Terms and your use of the Site are governed by the laws of the State of Utah, without regard to its conflicts of law principles. Any action or proceeding arising out of or relating to these Terms or the Site must be brought exclusively in the state or federal courts located in Utah. You agree to submit to the personal jurisdiction of these courts for this purpose.

Severability

If any provision of these Terms is determined to be invalid, illegal, or unenforceable, such provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

No Waiver

No failure or delay by Sword and Shield in exercising any right under these Terms will operate as a waiver of that right.

Contact Information

If you have questions about these Terms of Use, please contact us:

801-680-1217
1198 S 3750 E, Spanish Fork,

UT 84660-6396, USA
Email: legal@swordandshield.com