terms of use

TERMS OF SERVICE

This Website is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to local law or regulations.

The PROvision Network requires that all visitors to our website on the Internet (the "Website") adhere to the following rules and regulations. By accessing the Website, you indicate your acknowledgment and acceptance of these Terms of Service ("Terms"). Please read them carefully. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS, YOU MAY NOT ACCESS OR USE THIS SITE.

The PROvision Network is made up of Web sites and Web pages operated by The PROvision Network and of various products and services which are provided by The PROvision Network. These Web sites, Web pages, products and services will be collectively referred to in this Agreement as the "Website". "Company", "we", or "us" refers to The PROvision Network. "You" means You, Your company, Your employees, and anyone who has access to use Your Website account. You must be at least thirteen (13) years of age to subscribe to and use any Website service or product without a parent’s consent.

Website is offered to You on the condition that You accept these Terms of Service and the Additional Terms without modification. You agree to familiarize Yourself with, and to regularly review, the Terms of Service, the Additional Terms, and other terms and guidelines found throughout Website and abide by them if You choose to use the sites, or accept the products, services or benefits, to which such terms apply. Company reserves the right to change any of the Terms of Service and any Additional Terms at anytime without notice. If You continue to use Website after any such changes, Your continued use will constitute Your consent to such changes. We do not and will not assume any obligation to notify You of any changes to the Terms of Service or Additional Terms.

If You desire to obtain a hard copy of these Terms of Service, please send an email to us requesting a hard copy.

Company has taken reasonable measures to ensure that the information and data presented on this web site is accurate and current. However, Company makes no express or implied warranty regarding such information or data, and hereby expressly disclaims all legal liability and responsibility to persons or entities who use or access this site and its content, based on their reliance on any information or data that is available through this web site.

On this Website, you will find content, functions, information, and tools, including that provided by third parties that are not the property of Company.

We provide links to these other Websites only as a convenience, and we cannot guarantee (and we expressly do not warrant) that they point to the intended third party site, or that the content, functions, information and tools are error-free or that your access will be uninterrupted or that material accessible from this Website is free of viruses.

The inclusion of such links on the Website are not endorsements by Company, implied or otherwise, of the linked site or any products or services in such sites, and no information in such site has been endorsed or approved by Company. The linked sites are not under the control of Company, and Company is not responsible for the contents of any linked site or any link contained in a linked site.

The information available on Website is not a substitute for seeking expert advice/counsel from legal, financial, and other professionals. Transmission and receipt of this information is not intended to create and does not constitute an attorney-client relationship. This web site does not purport to authoritatively interpret current federal statutes, regulations, orders or other federal authority, nor anything that might be construed under any circumstances the "practice of law", nor does it bind Company to the matters presented.

Company reserves the right to modify or discontinue, temporarily or permanently, the Website for any reason, at its sole discretion, with or without notice to you. Company likewise may change the terms and conditions of the Terms from time to time with or without notice to you. You agree to review the Terms periodically to ensure that you are aware of any modifications. Your continued access or use of the Website after the modifications have become effective shall be deemed your conclusive acceptance of the modified Terms.

You agree that all access and use of the Website and its contents is at your own risk. By using the Website, you acknowledge that we specifically disclaim any liability (whether based in contract, tort, negligence, strict liability or otherwise) for any direct, indirect, incidental, common law, statutory, regulatory, consequential, compensatory, punitive, or special damages arising out of or in any way connected with your access to or use of the Website, (even if we have been advised of the possibility of such damages) including, but not limited to, any liability associated with any viruses which may infect your computer equipment.

By using this site, you further agree to indemnify, defend and hold harmless Company, its subsidiaries and affiliates, and their respective officers, directors, employees, agents, licensors, suppliers and any third party information providers to us from and against all losses, expenses, damages and costs, including reasonable attorneys' fees, resulting from any violation of this Agreement by you.

Pre-Screening Disclosure

This site may feature paid advertisements. ONLY those service professionals that are designated as having passed a “15 Point Checklist”, have met the following screening criteria:

  1. County Criminal Check - We check for felony convictions, alcohol violations, revocation of driving privileges, and misdemeanors.
  2. National Criminal Check - We check for criminal charges, FBI, Terrorist Watch, DOJ, ATF and others.
  3. National Sex Offenders Registry – We check for sex offender violations.
  4. Social Security Trace - We verify social security numbers.
  5. State License - We confirm active state licenses and check for derogatory information.
  6. County Civil - We check for suits naming the company.
  7. Corporate Charter - We check records to confirm state business filings are current.
  8. Reverse Phone Lookup - We perform a reverse phone lookup on Internet or confirm entity number by dialing directly.
  9. Internet Search - Review entity Web site or locate business through Internet Search.
  10. Performance History - We review the Better Business Bureau report and perform review of complaints filed with State Consumer Affairs Office.
  11. NIPR (Insurance Industry) - We check insurance producers, agents and brokers for derogatory items, violations, license suspensions or disciplinary actions.
  12. FINRA (Financial Industry) - We check for financial fraud, derogatory complaints, including SEC violations, disciplinary actions reported to licensing agencies.
  13. FACIS 3 (Healthcare Industry) - We check for Medicare fraud, derogatory complaints, and disciplinary actions.
  14. Commercial or Professional Insurance - We verify:
    1. For independent professionals, that liability coverage exists
    2. For employees of reputable, national organizations, that this person is employed by that organization.
  15. Code of Ethics - We do not limit our requirements to background checks alone. Providing families with trusted service partners requires that businesses and individuals who work directly or indirectly with families maintain a high standard of ethics. With that in mind, The PROvision Network organizations, employees and volunteers agree to abide by The PROvision Network Code of Ethics.
    1. Be Trustworthy: Subscribe to sound business practices that exhibit honorable values and provide families with clear and confident expectations.
    2. Adhere to Highest Professional Standards: Maintain professional integrity and competence at all times, never knowingly causing harm, fraud, or abuse.
    3. Uphold Responsibilities: Fulfill all contractual agreements with families in a timely and professional manner.
    4. Respect Others: Treat family with patience, dignity, and respect.
    5. Comply with all Licensing and Regulatory Requirements: Observe all licensing and regulatory requirements for each state and jurisdiction served.

We at The PROvision Network do our best to help you make wise decisions in your estate planning and administration. Provider information on this site may change or expire over time. We attempt to maintain accurate and up-to-date information, and confirm changes when notified, however we cannot guarantee that profile and screening information is always accurate. As in all things, the final decisions of whom you work with are yours. Accordingly we cannot, and do not, assume any liability in your eventual relationship with any providers listed on this site.

Unless specifically noted, the products, services, and advertisers on this site are not necessarily endorsed by Advisors Group, Inc.

NOTE: Featured advertisers and referrals designated as having passed the 15-point checklist, were screened based on information confirmed at the time of their application. This information may change or expire over time. While The PROvision Network attempts to maintain accurate and up-to-date information, and confirms changes when notified, The PROvision Network performs screening solely at the time the advertiser applied for inclusion on the Website, and therefore, The PROvision Network cannot guarantee that profile and screening information is accurate. Therefore, we recommend that before working with an advertiser you verify that information presented in the advertiser’s profile is still current and/or acceptable to you.

Corporate Accounts - Some featured advertisers and referrals may be employees, franchisees, dealers, or independent contractors ("Corporate SP's") of larger national or corporate accounts ("Corporate Accounts"). In such event, you may be matched with the Corporate Account entity or with one of their Corporate SP's.

Provider profiles: Website allows advertisers and referrals to post profiles about themselves and their business on Website Digital Business Cards. Company does not review or verify the information or representations set forth in those profiles, except as expressly set forth above, as they are self-reported by the provider.

The above procedures may change from time to time at the sole discretion of Company. Company believes that it uses commercially reasonable methods to check these matters but does not make any representations or warranties that members are appropriately licensed, free of significant state-level civil legal judgments, or carry appropriate general liability insurance or bonding at the time of registration, during the period they are members, or thereafter. As circumstances can change daily, Company advises consumers to check these matters for themselves especially at future dates. Company does not represent or warrant that the information received from state, provincial or other government agencies or from third party sources is accurate, error free, or that it is up to date or updated at the time that Company checks such information. Most agencies have periodic update cycles or schedules and this information is not updated on a real-time basis by such agencies and third party sources.

DISCLAIMER: THE PROVISION NETWORK EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED RELATING TO THE PRESCREENING PROCESS, CRITERIA, PROCEDURES, OR INFORMATION OBTAINED OR PRESENTED IN THE PRESCREENING PROCESS OR DISCLOSURES INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR USE, OR THAT THE SCREENING OR VERIFICATION PROCEDURES OR STANDARDS ARE SUFFICIENT OR THAT THE INFORMATION RECEIVED IN THESE SCREENING OR VERIFICATION PROCEDURES IS ACCURATE, TIMELY OR ERROR FREE.

You acknowledge and agree that all Content available on this Website is protected by copyright, trademark, patent, trade secret, and other proprietary rights and laws. For example, Company owns a copyright in the selection, organization, arrangement and enhancement of the Content, as well as in the Content original to itself. Third parties whose Content appears on the Website own the copyright in the Content original to them. The look and feel of the Website, including our color combinations, button shapes, and other graphical elements, are also the sole intellectual property of Company.

PROVIDERS LISTED ON THIS SITE ARE ADVERTISERS. UNLESS OTHERWISE NOTED, THEIR PRODUCTS AND SERVICES ARE NOT NECESSARILY ENDORSED BY ADVISORS GROUP, INC.

SERVICE AVAILABILITY AND PRICES

Company DOES NOT GUARANTEE SERVICE PRICES OR AVAILABILITY. All transactions are conducted by and fulfilled through online affiliates. All service descriptions and prices provided to you either on our website or via separate contact following your submission of a purchase request are made by the participating affiliate possessing the desired device and not by Company.

Company is not responsible for statements made by others on web pages or websites not controlled by Company. Company is not responsible for the accuracy, usefulness for a particular purpose or completeness of information provided by third parties that are available on or through Website.

PERSONAL AND NON-COMMERCIAL USE LIMITATION

This Website is for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell any information, software, products or services obtained from this Website. The content available through this Website is the sole property of Company or its licensors and is protected by patent, copyright, trademark and other intellectual property laws. Except as otherwise explicitly agreed in writing, Company-owned content received through this Website may be downloaded, displayed, and printed for your personal, non-commercial use only. Content owned by Company licensors may be subject to additional restrictions. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the content received through this Website to anyone, including but not limited to others in the same company or organization without Company's express prior written consent.

LIABILITY DISCLAIMER

ALL CONTENT PROVIDED ON THIS WEBSITE IS FOR EDUCATIONAL PURPOSES ONLY AND DOES NOT IN ANY MANNER CREATE A LEGAL CONTRACT EXPRESS OR IMPLIED BETWEEN THE PROVISION NETWORK AND YOU. WITHOUT LIMITING THE FOREGOING, THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES PUBLISHED ON THIS WEBSITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY MADE TO THE INFORMATION HEREIN. THE PROVISION NETWORK AND/OR ITS RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THIS WEBSITE AT ANY TIME. THE PROVISION NETWORK AND/OR ITS RESPECTIVE SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION, SOFTWARE, PRODUCTS AND SERVICES CONTAINED ON THIS WEBSITE FOR ANY PURPOSE. ALL SUCH INFORMATION, SOFTWARE, PRODUCTS AND SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND. THE PROVISION NETWORK AND/OR ITS RESPECTIVE SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO SUCH INFORMATION, SOFTWARE, PRODUCTS AND SERVICES, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. IN NO EVENT SHALL THE PROVISION NETWORK AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS WEBSITE OR WITH THE DELAY OR INABILITY TO USE THIS WEBSITE, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES OBTAINED THROUGH THIS WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEBSITE, WHETHER BASED ON CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE, EVEN IF THE PROVISION NETWORK OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

INDEMNIFICATION

Upon a request by Company, you agree to defend, indemnify, and hold harmless Company and its parent and other affiliated companies, and their employees, contractors, officers, and directors from all liabilities, claims, and expenses, including attorney's fees, that arise from your misuse of this Website in a manner not in strict conformance with these Terms of Use. Company reserves the right, at it own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with Company in asserting any available defenses.

INTERNATIONAL USE

Company makes no representation that Content on this Website is appropriate or available for use in locations outside the United States, and accessing it from territories where the Content is illegal is prohibited. Those who choose to access this Website from other locations do so on their own initiative and are responsible for compliance with local laws.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of this Website, you warrant to Company that you will not use this Website for any purpose that is unlawful or prohibited by these terms, conditions, and notices.

LINKS TO THIRD PARTY SITES

This Website may contain hyperlinks to Websites operated by parties other than Company. Such hyperlinks are provided for your reference only. Company does not control such Websites, and is not responsible for their contents. Company's inclusion of hyperlinks to such Websites does not imply any endorsement of the material on such Websites.

MODIFICATION OF THESE TERMS AND DISCLAIMERS

Company reserves the right to change the terms, conditions, and notices under which this Website is offered at any time without notice.

TERMINATION

Company reserves the right, in its sole discretion, to terminate your access to all or part of this Website, with or without notice.

GENERAL

This agreement is governed by the laws of the State of Colorado, USA. You hereby consent to the exclusive jurisdiction and venue of courts in Douglas County, Colorado, USA in all disputes arising out of or relating to the use of this Website. Use of this Website is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Company as a result of this agreement or use of this Website. Company's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Company's right to comply with law enforcement requests or requirements relating to your use of this Website or information provided to or gathered by Company with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of this agreement shall continue in effect. This agreement constitutes the entire agreement between the user and Company with respect to this Website and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Company with respect to this Web site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.

Any rights not expressly granted herein are reserved.

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This site is published for residents of the United States only. Registered representatives and investment advisor representatives may only conduct business with residents of the states and jurisdictions in which they are properly registered.

The information in this site does not constitute legal or tax advice. It is provided solely for general informational purposes and may not be applicable to specific fact patterns. You should consult with an experienced legal or tax professional licensed in your state before acting on any of the information described on this site.

To ensure compliance with requirements imposed by the IRS under Circular 230, we inform you that any U.S. Federal tax advice contained in this site was not intended or written to be used, and cannot be used, for the purpose of (1) avoiding penalties under the Internal Revenue Code or (2) promoting, marketing or recommending to another party any matters addressed herein.

Providers listed on this site that have not been specifically identified as having passed the 15-point background check are provided for your information only. The PROvision Network does not endorse, nor accept any responsibility for the quality of their services. The PROvision Network does not independently verify their information, nor do we guarantee its accuracy.

No fees have been paid to The PROvision Network for inclusion in our general provider listings. These listings are provided for your convenience. Other than specifically stated, The PROvision Network may receive paid compensation for paid adverting from companies listed on this site.

The accuracy of information put into the EstateDigitalLockbox isn't guaranteed by The PROvision Network. It's only as accurate as your input.

We strive to keep information up-to-date, but The PROvision Network doesn't purport this site to have up-to-the minute accuracy at all times.

Links on this site are provided for your information only. Since they are provided by third parties, The PROvision Network does not endorse, nor accept any responsibility for the content or damage or loss resulting from your use of these sites. The PROvision Network does not independently verify this information, nor do we guarantee its accuracy or completeness.