Terms and Conditions
Effective Date: February 18, 2026 | Last Updated: February 18, 2026
⚠️ FINANCIAL & LEGAL DISCLOSURE (YMYL):
Smart Policy Pro is an independent research platform. We are not a licensed insurance agency, brokerage, or financial advisory firm in the United States. Every insight and data point provided stems from independent study and is intended purely for educational and research purposes. No information on this site constitutes a binding insurance quote, legal direction, or a guarantee of protection. Consult with a certified professional before making significant financial or risk-management decisions.
1. Acceptance of Terms & Eligibility
By accessing and utilizing SmartPolicyPro.com, you certify that you are at least 18 years of age. Our analysis is specifically tailored for the United States market and businesses operating under US jurisdiction. If you do not agree to these terms in their entirety, you must cease use of the platform immediately.
2. User Rights & Data Correction (CPRA/CCPA)
In alignment with 2026 US privacy standards (including the California Privacy Rights Act), users maintain the right to request the correction or deletion of inaccurate personal information. If you believe your data has been handled incorrectly, requests can be submitted through our secure inquiry portal. We do not sell user data to third-party aggregators.
3. Intellectual Property & AI Restrictions
All proprietary research, risk-weighting frameworks, evaluation models, and editorial analyses are the exclusive intellectual property of Smart Policy Pro. Ownership of these thought structures remains strictly with us and does not shift upon user access.
Scraping this site via automated bots, spiders, or crawlers is strictly prohibited. Written approval from the Lead Analyst is mandatory before any crawling occurs. You are expressly forbidden from using our extracted data to train Artificial Intelligence models or Machine Learning systems without explicit, written consent.
4. Limitation of Liability & Absence of Warranty
Cyber insurance markets are highly volatile and subject to rapid change. Smart Policy Pro provides no warranty regarding the currentness, accuracy, or applicability of data to your specific business profile. We hold no liability for business interruptions, data breach losses, or insurance claim denials resulting from the use of our research. Our analysis serves as an educational resource, not a preventative security measure or financial shield.
5. Governing Law & Dispute Resolution
While our research operations are headquartered in Kathmandu, Nepal, this platform adheres to global digital commerce standards and US federal privacy guidelines where applicable. Any disputes arising from the use of this site shall be resolved through binding arbitration by a neutral third party, rather than in a court of law.
Professional Inquiries & Legal Details
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