Agreement between User and https://prudentshield.com

Welcome to PrudentShield LLC ("PrudentShield," "we," "us," or "our"). PrudentShield LLC is comprised of various web pages operated by PrudentShield LLC. https://prudentshield.com/ (the "Site") is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein (the "Terms"). Your use of the Site constitutes your agreement to all such Terms. Please read these Terms carefully and keep a copy for your records.

Website Use

https://prudentshield.com is an informational and service-based website. The primary aim of this website is to provide educational information related to insurance and financial protection products, and to offer related services to consumers.

Privacy

Your use of the Site is subject to PrudentShield LLC’s Privacy Policy. Please review our Privacy Policy, which also governs the Site and informs users of our data collection practices.

Electronic Communications

Visiting the Site or sending emails to PrudentShield LLC constitutes electronic communications. You consent to receive electronic communications and agree that all agreements, notices, disclosures, and other communications we provide to you electronically—via email and on the Site—satisfy any legal requirement that such communications be in writing.

Age Restriction (18+)

You must be at least 18 years of age to access or use the PrudentShield LLC website and services. By using the Site, you represent and warrant that you are 18 years of age or older. If you are under 18, you are prohibited from using the Site or providing any personal information without the consent of a parent or legal guardian.

If we discover that a user is under the age of 18 and has provided personal information or engaged in activities on the Site, we will take immediate steps to remove such information and restrict access to the Site. PrudentShield LLC is not responsible for any actions taken by individuals under the age of 18 without parental consent.

Links to Third-Party Sites / Third-Party Services

The Site may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of PrudentShield LLC, and we are not responsible for the contents of any Linked Site, including any link contained in a Linked Site or any changes or updates to a Linked Site. These links are provided only as a convenience, and the inclusion of any link does not imply endorsement by PrudentShield LLC or any association with its operators.

Certain services made available via the Site may be delivered by third-party organizations. By using any product, service, or functionality originating from the Site, you acknowledge and consent that PrudentShield LLC may share information and data with third parties with whom we have a contractual relationship in order to provide the requested product, service, or functionality.

No Unlawful or Prohibited Use / Intellectual Property

You are granted a non-exclusive, non-transferable, revocable license to access and use the Site strictly in accordance with these Terms. As a condition of your use of the Site, you warrant that you will not use the Site for any purpose that is unlawful or prohibited by these Terms.

All content included as part of the Site—such as text, graphics, logos, images, and software—is the property of PrudentShield LLC or its licensors and is protected by copyright and other intellectual property laws. You agree not to modify, publish, transmit, reverse engineer, create derivative works, or exploit any content without prior written permission.

International Users

The Site is controlled, operated, and administered by PrudentShield LLC from offices within the United States. If you access the Site from outside the U.S., you are responsible for compliance with all local laws.

Indemnification

You agree to indemnify, defend, and hold harmless PrudentShield LLC, its officers, directors, employees, agents, and third parties from any losses, costs, liabilities, and expenses (including reasonable attorney’s fees) arising out of your use of or inability to use the Site, your violation of these Terms, or your violation of any applicable laws or third-party rights.

Arbitration

Any dispute arising out of or relating to these Terms shall be resolved by final and binding arbitration under the Federal Arbitration Act, administered by the American Arbitration Association, and conducted by a single neutral arbitrator. The arbitrator’s decision shall be final and enforceable in any court of competent jurisdiction. This arbitration provision shall survive termination of these Terms.

Class Action Waiver

All arbitration proceedings shall be conducted on an individual basis only. You agree that you may bring claims against PrudentShield LLC only in your individual capacity and not as a plaintiff or class member in any purported class or representative action.

Liability Disclaimer

The information and services available through the Site are provided "as is" and "as available" without warranties of any kind, either express or implied. To the maximum extent permitted by law, PrudentShield LLC disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

PrudentShield LLC shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or related to your use of the Site.

Termination / Access Restriction

PrudentShield LLC reserves the right, in its sole discretion, to terminate or restrict your access to the Site at any time without notice. This agreement is governed by the laws of the State of South Carolina, without regard to its conflict of law provisions.

Entire Agreement

These Terms constitute the entire agreement between you and PrudentShield LLC regarding the use of the Site and supersede all prior communications. If any provision is found to be unenforceable, the remaining provisions shall remain in full force and effect.

Changes to Terms

PrudentShield LLC reserves the right to change these Terms at any time. The most current version will supersede all previous versions. We encourage you to review these Terms periodically.

SMS Use Cases

PrudentShield LLC may use SMS to send important notifications, updates, appointment reminders, promotional offers, and other communications related to the services offered. These messages may include transactional information, alerts, and marketing content regarding our products and services.

Opt-Out Instructions

You have the right to opt out of receiving SMS messages at any time. To do so, you can reply with the word “STOP” to any message you receive. After opting out, you will no longer receive promotional text messages from us. Standard message and data rates may apply for SMS replies.

Message & Data Rate Disclosure

Message and data rates may apply to any messages sent to you based on your mobile carrier’s rate plan. Please check with your carrier for details regarding charges that may apply. PrudentShield LLC is not responsible for any fees incurred through the use of SMS services.

Carrier Liability Disclaimer

PrudentShield LLC does not assume any liability for delayed or undelivered messages, which may occur due to factors outside our control, including but not limited to, issues with your mobile carrier or other technological factors. We are not responsible for any costs or issues caused by interruptions to the SMS service.

Contact Us

If you have any questions or comments regarding these Terms, please contact us:

PrudentShield LLC
Camden, South Carolina, United States

📧 Email: [email protected]
📞 Phone: +1 704-741-0247

Effective Date: January 29, 2026