Terms Of Use

1. Agreement to These Terms

These Terms of Use (“Terms”) govern access to and use of the StormAdvocate.org website and any related content, features, tools, forms, communications, and services (collectively, the “Site”).

The Site is operated under the name StormAdvocate.org (“StormAdvocate,” “we,” “us,” or “our”). By accessing or using the Site, submitting information through any form, or otherwise interacting with the Site, each visitor and user (“you” or “your”) agrees to be bound by these Terms and our Privacy Policy, which is incorporated by reference.

If you do not agree to these Terms, you must not access or use the Site.

The Site is intended for individuals who are at least 18 years old and who reside in the United States. By using the Site, you represent and warrant that you meet these requirements.

2. Informational Resource Only – No Professional Advice

StormAdvocate.org is an informational resource center for homeowners and others affected by storm damage.

• StormAdvocate is not a law firm, public adjuster, insurance company, contractor, engineer, medical provider, or other professional services firm.
• All content on the Site, including articles, guides, checklists, FAQs, tools, and any other information (collectively, “Content”), is provided for general informational purposes only.
• Nothing on the Site is, or should be construed as, legal, insurance, financial, tax, engineering, construction, medical, or other professional advice.

You should not act or refrain from acting based on any Content on the Site without seeking advice from a licensed professional who can consider your specific situation and jurisdiction.

3. Medical and Emergency Disclaimer

Storm damage can intersect with health and safety issues (for example, mold, structural instability, or unsafe living conditions), but StormAdvocate does not provide medical, emergency, or safety services of any kind.

• If you think you may have a medical emergency, or are in immediate physical danger, call 911 or your local emergency number immediately.
• Always seek the advice of a physician or other qualified health provider with any questions you may have regarding a medical condition, exposure, or health symptoms.
• Never disregard, avoid, or delay obtaining professional medical advice from your doctor or other qualified health provider because of something you have read on this Site.

StormAdvocate does not recommend or endorse any specific tests, physicians, treatments, products, procedures, opinions, or other information that may be mentioned on the Site. Reliance on any information provided by StormAdvocate, our employees, contractors, contributors, or guests appearing on the Site is solely at your own risk.

4. No Professional–Client Relationship

Your use of the Site, including submitting a form, calling or texting us, or communicating via chat or other messaging tools, does not create an attorney–client relationship, public adjuster–client relationship, contractor–client relationship, medical-provider–patient relationship, or any other professional–client relationship between you and StormAdvocate or between you and any third-party service provider.

If you are connected with or engage an attorney, public adjuster, contractor, inspector, engineer, medical provider, or any other professional (collectively, “Service Provider”), any relationship that may arise is strictly between you and that Service Provider, subject to separate terms and agreements between you and them. StormAdvocate is not a party to those relationships and does not supervise or control the services they provide.

5. Referral and Compensation Disclosures

Based on the information you provide, StormAdvocate may, where permitted by law, identify and connect you with one or more Service Providers who may be able to assist you with your situation.

• Any decision to speak with, engage, or hire a Service Provider is entirely your choice.
• StormAdvocate does not guarantee that any Service Provider will accept your matter, achieve any particular result, or provide services that meet your expectations.

StormAdvocate may receive compensation, referral fees, or other forms of consideration from Service Providers or related third parties when we share your information with them or when you engage or interact with them. This compensation does not increase the cost to you and does not change your rights under applicable law.

StormAdvocate does not recommend or endorse any specific Service Provider over another. We do not make any representation or warranty regarding the qualifications, licenses, insurance, competence, or performance of any Service Provider. You are responsible for conducting your own due diligence.

6. User Responsibilities

By using the Site, you agree that:

1. Accuracy of information. All information you provide to us (including through forms, calls, texts, chat, or email) is true, accurate, and complete to the best of your knowledge.
2. Use for lawful purposes. You will use the Site only for lawful purposes and in accordance with these Terms.
3. No misuse. You will not:
   • Access or use the Site in any manner that could damage, disable, overburden, or impair the Site;
   • Attempt to gain unauthorized access to any portion of the Site, our systems, or any other user’s information;
   • Use any automated means (such as bots, scrapers, or crawlers) to access or interact with the Site without our express written permission;
   • Reverse engineer, decompile, or attempt to derive the source code of any portion of the Site;
   • Upload or transmit any viruses, malware, or other malicious code; or
   • Use the Site to harass, defraud, or harm any person or entity.

7. Consent to Communications (Phone, SMS, Email, Autodialers, AI)

7.1 General Communications

By providing your contact information to StormAdvocate—such as your name, phone number, mobile number, email address, property address, or other details—through the Site, by phone, or by text, you authorize us to contact you regarding storm damage resources, your inquiries, potential connections with Service Providers, and related information.

7.2 Telemarketing and Automated Communications

Where permitted by law and where you provide the required consent, you agree that:

• StormAdvocate, and where appropriate certain Service Providers we connect you with, may contact you at the phone number(s) and email address(es) you provide;
• Such communications may include informational and marketing calls and messages related to storm damage resources, inspections, claims, repairs, or related services;
• These communications may be made using automated technologies, including but not limited to:
  • Automatic telephone dialing systems (“autodialers”);
  • Artificial or prerecorded voice messages;
  • SMS and MMS text messages;
  • AI-enabled or “conversational AI” voice and chat systems; and
  • Automated email systems.

By submitting any form or otherwise providing your phone number on the Site, you agree that, where your consent is required by law, you are providing your prior express written consent to receive these communications.

You understand and agree that:

• Consent is not a condition of purchase of any goods or services.
• You may still obtain information or assistance by contacting us at Info@StormAdvocate.org or +1 844-784-0123 even if you choose not to consent to automated marketing communications.
• Standard message and data rates may apply to SMS/MMS communications, and you are responsible for those charges.

7.3 Opt-Out

You may opt out of:

• Marketing emails by clicking the “unsubscribe” link in any email or by contacting us at Info@StormAdvocate.org;
• Marketing SMS/MMS messages by replying “STOP” to any text message you receive from us, or by contacting us at Info@StormAdvocate.org or +1 844-784-0123;
• Marketing calls by telling our representative that you do not wish to receive further marketing calls, or by contacting us as above.

Even after you opt out of marketing communications, we may still send you non-marketing messages where permitted by law, such as responses to your requests, security notices, or updates about changes to these Terms or our Privacy Policy.

8. User Content and Submissions

If you submit any information, questions, feedback, comments, or other content (“User Content”) through the Site or via email, text, or phone:

• You grant StormAdvocate a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, adapt, publish, and display such User Content in connection with operating and improving the Site and our services.
• You represent and warrant that you have all necessary rights to provide such User Content and to grant the license above.
• You are solely responsible for your User Content.

We reserve the right, but are not obligated, to remove or refuse any User Content in our sole discretion.

9. Intellectual Property and Use Restrictions

All Content on the Site, including text, graphics, logos, icons, images, videos, tools, and the overall look and feel of the Site, is owned by StormAdvocate or its licensors and is protected by copyright, trademark, and other intellectual property laws.

• The name StormAdvocate and any associated logos and service marks are proprietary to us and may not be used in any way, including in advertising or publicity, without our prior written permission.
• You may print or download a single copy of the information contained on the Site for your personal, non-commercial use only, provided that you do not remove any copyright, trademark, or proprietary notices and do not modify the Content.

You may not, without our prior written permission:

• Copy, reproduce, distribute, republish, download, display, post, or transmit any Content in any form or by any means;
• “Mirror” any Content on any other server;
• Record, scrape, or systematically harvest Content electronically or mechanically for any purpose;
• Use any Content in any way that suggests endorsement, sponsorship, or affiliation where none exists.

Any unauthorized use of the Site or Content may violate copyright, trademark, and other laws and may result in civil and/or criminal liability.

10. Third-Party Content, Links, and Service Providers

The Site may contain links to third-party websites, resources, or Service Providers. These links are provided for convenience only.

StormAdvocate:

• Does not control and is not responsible for the content, security, policies, or practices of third-party sites or services;
• Does not endorse or guarantee any third-party products, services, or information; and
• Is not responsible for any loss or damage arising from your dealings with any third party.

Your interactions with Service Providers or third-party sites are governed by their own terms and privacy policies.

11. Disclaimers

The Site and all Content are provided on an “AS IS” and “AS AVAILABLE” basis, without any warranties of any kind, whether express, implied, or statutory.

To the fullest extent permitted by law, StormAdvocate disclaims all warranties, including but not limited to:

• Warranties of accuracy, completeness, or reliability of the Content;
• Warranties of merchantability, fitness for a particular purpose, or non-infringement;
• Warranties that the Site will be available, uninterrupted, secure, or error-free;
• Warranties that any particular outcome (including insurance claim approval, settlement, repair result, or legal outcome) will occur.

11.1 Specific Disclaimers and Allocation of Risk

Without limiting the foregoing, StormAdvocate will not be responsible or liable for any loss, injury, claim, liability, or damage of any kind resulting from or related to:

1. Errors or omissions in the Site or its Content, including technical inaccuracies or typographical errors.
2. Any third-party websites or content directly or indirectly accessed through links on the Site, including but not limited to any errors or omissions therein.
3. The unavailability of the Site, or any portion of it, for any reason and at any time.
4. Your use of the Site, including reliance on any Content, tools, or communications.
5. Your use of any equipment, software, or data in connection with the Site, including damage to or loss of such equipment, software, or data.
6. Any viruses, malware, or harmful components that may be transmitted via the Site or any third-party link, and any resulting:
   • computer or device damage;
   • repair or replacement costs for computers, servers, or other equipment; and
   • time lost or productivity loss.

11.2 Service Provider Conduct

StormAdvocate is not responsible or liable for any act, omission, statement, or representation by any Service Provider, including attorneys, public adjusters, contractors, inspectors, engineers, medical providers, or others to whom we may refer or connect you.

Without limitation, StormAdvocate shall not be liable for any claim, loss, cost, or liability that arises out of or relates to:

1. Any Service Provider’s provision or failure to provide services to you;
2. Any false, misleading, incomplete, or inaccurate information provided by a Service Provider to you or to StormAdvocate;
3. Any Service Provider’s failure to meet their professional responsibilities, including licensing, ethical, or regulatory obligations, in the state(s) where they operate;
4. The results or consequences of any consultation, representation, inspection, estimate, repair, treatment, or other service provided by a Service Provider with whom you connect through or in connection with the Site.

All risk related to your engagement of any Service Provider rests exclusively with you.

12. Limitation of Liability

To the fullest extent permitted by law, in no event will StormAdvocate, its owners, officers, directors, employees, agents, or affiliates be liable for any:

• indirect, incidental, special, consequential, exemplary, or punitive damages;
• loss of profits, revenue, goodwill, data, or business opportunities;

arising out of or in connection with your use of, or inability to use, the Site, the Content, or any communications, even if advised of the possibility of such damages.

To the fullest extent permitted by law, StormAdvocate’s total liability to you for any claim arising out of or relating to these Terms or the Site shall not exceed one hundred U.S. dollars (US $100) in the aggregate.

Some jurisdictions do not allow limitations on certain damages. In those jurisdictions, the above limitations will apply only to the extent permitted by law.

13. Indemnification

You agree to indemnify, defend, and hold harmless StormAdvocate, its owners, officers, directors, employees, agents, and affiliates from and against any and all claims, demands, actions, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your use of the Site or Content;
• Your violation of these Terms; or
• Your violation of any applicable law or the rights of any third party.

14. DMCA Notice and Takedown Procedure

StormAdvocate respects the intellectual property rights of others and expects users of the Site to do the same. If you believe that any Content on the Site infringes your copyright, you may request removal of that material (or access to it) by submitting a notification under the Digital Millennium Copyright Act (“DMCA”).

To be effective, your DMCA notice must include the following information:

1. Identification of the copyrighted work you believe has been infringed. Please describe the work and, where possible, include a copy or the location (e.g., URL) of an authorized version of the work.
2. Identification of the allegedly infringing material and its location on the Site. Please describe the material and provide us with its URL or any other information that will allow us to locate the material.
3. Your name, address (if you choose to provide it), telephone number, and email address.
4. A statement that you have a good faith belief that the complained-of use of the material is not authorized by the copyright owner, its agent, or the law.
5. A statement that the information in your notice is accurate, and that under penalty of perjury, you are the copyright owner or are authorized to act on the copyright owner’s behalf.
6. A physical or electronic signature of the copyright owner or a person authorized to act on the copyright owner’s behalf.

Please send DMCA notices to StormAdvocate’s designated copyright agent:

• Email: Info@StormAdvocate.org
• Phone: +1 844-784-0123
• Mail: to any mailing address that we may publish on the Site from time to time or provide upon request.

We may notify the user who posted the allegedly infringing material and may provide that user with a copy of your notice and/or the information you supply. In appropriate circumstances, we may also terminate repeat infringers’ access to the Site.

15. Dispute Resolution; Mediation and Binding Arbitration; Class Action Waiver

Please read this section carefully. It affects your rights.

To the fullest extent permitted by law, any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or any communications between you and StormAdvocate (a “Dispute”) will be resolved as follows:

15.1 Informal Resolution and Mediation

You agree to first attempt to resolve any Dispute informally by contacting us at Info@StormAdvocate.org and providing a brief written description of the Dispute.

If a Dispute cannot be resolved informally within a reasonable period of time, you and StormAdvocate agree to attempt to resolve the Dispute with the assistance of a neutral mediator:

• Mediation will occur by live video conference (unless both parties agree otherwise);
• Each party will bear its own costs and share the mediator’s fees equally;
• Each party agrees to participate in good faith for at least 30 minutes of mediation, including attendance of a StormAdvocate representative.

If mediation is unsuccessful, the Dispute will proceed to binding arbitration as described below.

15.2 Binding Arbitration

You and StormAdvocate agree that any Dispute that is not resolved by informal means or mediation shall be resolved exclusively by binding arbitration on an individual basis.

• This arbitration agreement is governed by the Federal Arbitration Act (“FAA”), 9 U.S.C. § 1 et seq., and not by any state laws regarding arbitration.
• Arbitration will be administered by JAMS, or another reputable arbitration provider mutually agreed upon by the parties, pursuant to its applicable rules and procedures (including, as appropriate, its Streamlined Arbitration Rules & Procedures).
• Unless the parties agree otherwise, arbitration will take place in or near Orlando, Florida, or by video conference where appropriate.
• The arbitrator shall be neutral and independent and shall comply with any applicable codes of ethics.
• The arbitrator shall have the exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, conscionability, or formation of these Terms and this arbitration agreement, including any claim that all or any part of these Terms is void or voidable.
• The arbitrator’s award shall be final and binding on all parties and may be entered as a judgment in any court having jurisdiction.

Each party will share the costs of arbitration (excluding attorneys’ fees) equally, unless the arbitrator orders otherwise. If a party fails to proceed with arbitration, unsuccessfully challenges the arbitrator’s award, or fails to comply with the arbitrator’s award, the other party is entitled to costs of suit, including reasonable attorneys’ fees, for having to compel arbitration or enforce the award.

15.3 Class Action Waiver

To the fullest extent permitted by law, you and StormAdvocate agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.

Unless StormAdvocate specifically agrees otherwise in writing, the arbitrator may not:

• Consolidate the claims of more than one person; or
• Preside over any form of class, collective, or representative proceeding.

15.4 Small Claims Court

Nothing in this section prevents either party from bringing an individual action in small claims court (or your jurisdiction’s equivalent) if the claim is within that court’s jurisdiction and remains solely in that court.

16. Governing Law and Venue

These Terms and your use of the Site are governed by the laws of the State of Florida, without regard to conflict-of-law principles, and by applicable federal law, including the FAA with respect to arbitration.

If, for any reason, the arbitration agreement in Section 15 is found to be unenforceable in whole or in part, then any Dispute that would otherwise have been subject to arbitration shall be brought exclusively in the state or federal courts located in Orlando, Florida, and you consent to the personal jurisdiction of such courts.

17. Changes to the Site and These Terms

We may update, modify, or discontinue any part of the Site at any time, with or without notice.

We may revise these Terms from time to time. When we do, we will update the “Effective Date” at the top of this page. Your continued use of the Site after any changes become effective constitutes your acceptance of the revised Terms.

18. Severability and Entire Agreement

If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and StormAdvocate regarding your use of the Site and supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between you and us regarding the Site.

19. Contact Information

For questions about these Terms, disputes, or your rights, please contact:

• Email: Info@StormAdvocate.org
• Phone: +1 844-784-0123