Terms of Use

These Terms of Use (“Terms”) govern your use of intellireply.com (the “website”), operated by IntelliReply (“we,” “us” or “our”). By using the website, you agree to these Terms. If you do not agree, please do not use the website.

1. Educational information only

IntelliReply publishes general educational information. It is not financial, legal or insurance advice, and IntelliReply is not a lender, insurer, broker or government agency.

The content on this website is provided for general informational and educational purposes. It does not take into account your individual circumstances, and it does not create an attorney-client, adviser-client or any other professional relationship. For advice about your situation, consult a qualified professional, such as a licensed attorney, a financial counselor or an insurance professional, or contact the appropriate government agency.

2. No affiliation

IntelliReply is independent. We are not affiliated with, endorsed by or acting on behalf of any government agency, financial institution or company mentioned on the website. Names of agencies and organizations are used only to identify them for informational purposes.

3. Accuracy and availability

We work to keep our content accurate and current, but laws, rules and practices change and may vary by state. The website and its content are provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of accuracy, completeness, fitness for a particular purpose and non-infringement. We may change, suspend or remove any part of the website at any time.

4. Links to other websites

The website links to official resources operated by others. We provide these links for convenience and are not responsible for the content, policies or practices of any other website.

5. Acceptable use

You agree to use the website only for lawful, personal and non-commercial purposes. You agree not to:

• Submit false information, or information about another person without their permission.
• Use our forms to send spam, advertising or harmful content.
• Interfere with the website’s operation or security, or attempt to gain unauthorized access to any part of it.
• Copy or republish substantial portions of the website’s content without our written permission.

6. Intellectual property

The text, design and graphics on this website are owned by IntelliReply. Photographs are used under the Unsplash License and remain the property of their photographers. You may share links to our guides and quote brief passages with attribution to IntelliReply, but you may not reproduce our content in full without permission.

7. Email and text communications

If you sign up, you agree to receive email updates from IntelliReply, and you can unsubscribe at any time. We send text messages only if you separately tick the text message consent box. Our text program is described in our Mobile Policy, and our handling of your information in our Privacy Policy.

8. Your submissions

You are responsible for the information you send us. Please do not send account numbers, passwords, Social Security numbers or other sensitive details. If you send us suggestions or feedback, we may use them to improve the website without any obligation to you.

9. Limitation of liability

To the fullest extent permitted by law, IntelliReply will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of money, data or opportunity, arising from your use of, or reliance on, the website or its content, even if we have been advised of the possibility of such damages. Any decision you make based on information from this website is your own responsibility. Where liability cannot be excluded, our total liability to you for any claim relating to the website is limited to one hundred U.S. dollars ($100).

Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you.

10. Indemnity

You agree to indemnify and hold IntelliReply harmless from any claims, losses or expenses, including reasonable attorneys’ fees, arising from your misuse of the website or your violation of these Terms.

11. Changes to these Terms

We may update these Terms from time to time. The “Last updated” date at the top of this page shows when they were last changed. Continuing to use the website after an update means you accept the revised Terms.

12. General

If any part of these Terms is found to be unenforceable, the rest will remain in effect. Our failure to enforce any provision is not a waiver of our right to do so later.

13. Contact

Questions about these Terms can be sent to info@intellireply.com.