Terms of Use
Last updated: May 25, 2026
Educational tool
Protection Compass is an educational tool that helps you think about your financial protection. It is not a substitute for individualized advice from a licensed insurance professional, and using it does not create an advisor or agent relationship until Robert reaches out and you choose to engage further.
No quote, no contract
The numbers and starting points shown in your review are educational estimates generated from the answers you provided. They are not a quote, a policy illustration, an offer to insure, or any kind of contract. Final coverage availability, pricing, riders, underwriting class, and approval are determined by the issuing carrier based on state availability and official policy terms.
Accuracy of information
You agree to provide information that is accurate to the best of your knowledge. Estimates and recommendations are only as good as the inputs you provide.
Acceptable use
You agree not to misuse this tool — for example, by submitting automated traffic, attempting to access other users' data, probing for vulnerabilities, or otherwise interfering with the service.
Disclaimer of warranties
The service is provided "as is" without warranty of any kind. We make no warranty that results will be uninterrupted or error-free. To the fullest extent permitted by law, we disclaim all warranties, express or implied.
Limitation of liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental, consequential, or special damages arising from your use of this tool. Your sole remedy is to stop using the service.
Changes
We may update these terms from time to time. Continued use of the service after changes are posted constitutes acceptance of the new terms.
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