Terms of Use

Permitted use

You may use the public guides and browser tools for personal, lawful research. Do not interfere with site security, misrepresent our content as a quote or policy offer, or use automated access in a way that disrupts service.

No warranties and limits

Information is provided on an “as available” basis. To the extent permitted by law, GlobalAI Media LLC does not warrant that every page is complete or current and is not responsible for decisions made without confirming the applicable law and policy contract.

Contact and governing terms

Questions may be sent to [email protected]. If a provision is unenforceable, the remaining terms continue. These terms do not waive rights that cannot legally be waived.

Content and intellectual property

The site design, original text and tools are owned by or licensed to GlobalAI Media LLC. Short quotations and links may be used as permitted by law, but copying substantial collections, removing attribution or republishing pages as insurance offers is not authorized. Government source material remains subject to its own terms.

External services and changes

Links can open websites operated by regulators, insurers or other organizations. Their terms, availability and security are outside our control. We may revise or discontinue a page, correct errors or update these terms as the website changes. The effective review date shown on the page identifies the current edition.

Nothing in these terms restricts a right that cannot be restricted under applicable law. A delay in enforcing a provision is not a waiver. Use of the site after an updated edition is posted indicates acceptance of the current terms.