Effective Date: October 15, 2025
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Acceptance and Scope
These Terms and Conditions (“Terms”) govern your access to and use of the Access™ website, platform, landing pages, forms, communications, and related services (collectively, the “Platform”). By using the Platform, you agree to be bound by these Terms.
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Nature of Access™
Access™ is a platform and access point designed to introduce users to benefits, insurance, financing, advisory, and business-related services. Access™ does not itself provide regulated financial, investment, insurance, legal, or tax advice.
Access™ functions as:
- A marketing and educational environment
- A lead-generation and referral platform
- A coordination layer between users and third-party providers
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No Advice; No Offer
Nothing on the Platform constitutes:
- Investment advice
- Legal or tax advice
- Insurance advice
- A recommendation or endorsement
- An offer to sell or solicitation to buy any security, insurance, or financial product
All services referenced are provided, if at all, by third parties pursuant to separate agreements.
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No Client Relationship
Use of the Platform does not create a client, fiduciary, advisory, insurance, or professional relationship. Submission of information does not obligate Access™ or any third party to provide services.
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Referrals, Fees, and Compensation
Access™ may receive platform fees, referral fees, or other compensation in connection with introductions to third-party providers. Such compensation does not guarantee eligibility, approval, pricing, or outcomes.
Users acknowledge that:
- Access™ does not represent all providers in the market
- Referrals may be limited or selective
- Compensation arrangements may influence which providers are introduced
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No Guarantees
Access™ makes no guarantees regarding:
- Financing approval
- Insurance coverage
- Pricing or terms
- Business outcomes
- Availability of services
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Communications & Consent
By submitting information, you consent to receive communications (email, phone, SMS) subject to applicable law (TCPA, CAN-SPAM). Consent may be revoked at any time.
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Data Collection & Analytics
Access™ may collect and analyze data for marketing, routing, analytics, and operational purposes. Use of the Platform does not guarantee results.
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Third-Party Platforms
Access™ is not responsible for third-party services, decisions, or actions. Any engagement with third parties is solely between the user and that provider.
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Intellectual Property
All content, branding, workflows, and data compilations are proprietary. Unauthorized use is prohibited.
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Limitation of Liability
To the fullest extent permitted by law, Access™ disclaims liability for any damages arising from use of the Platform.
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Governing Law
Michigan law governs these Terms.