terms & Conditions

 

These Terms and Conditions outline the rules and regulations for the use of the Calculated Risk Advisors website (the “Website”). 

Last Updated: April 1, 2025

 

The following terminology applies to these Terms and Conditions, the Privacy Statement, the Disclaimer Notice, and any or all agreements: “Client,” “You,” and “Your” refer to you, the person accessing this Website and accepting the Company’s Terms and Conditions. “The Company,” “Ourselves,” “We,” “Our,” and “Us” refer to Calculated Risk Advisors, LLC. “Party,” “Parties,” or “Us” refer to both the Client and Ourselves, or either the Client or Ourselves. All terms refer to the offer, acceptance, and consideration of payment necessary to undertake the process of Our assistance to the Client in the most appropriate manner—whether by formal meetings of a fixed duration or any other means—for the express purpose of meeting the Client’s needs in respect of the provision of the Company’s stated services or products, in accordance with and subject to the prevailing laws of the State of Florida. Any use of the above terminology or other words in the singular, plural, capitalization, and/or he/she or they, are taken as interchangeable and therefore as referring to the same. 

 

  1. Terms of Use

1.1 By accessing this Website, you agree to be bound by all terms and conditions set forth in this Terms and Conditions Agreement (the “Agreement”). If these Terms and Conditions, or any future changes, are unacceptable to you or cause you to no longer be in compliance with this Agreement, you must cease using the Website immediately. 

1.2 Calculated Risk Advisors, LLC reserves the right to modify these Terms and Conditions at any time. We will provide notice of material changes by posting the updated terms on the Website at least 30 days before they take effect, in accordance with Florida law. Your continued use of the Website following such changes constitutes your acceptance of the revised terms. 

  1. User Conduct

2.1 The Website is provided for entertainment and opinion purposes only. Calculated Risk Advisors, LLC assumes no responsibility for the accuracy, currency, completeness, or usefulness of information in any material available via the Website and does not endorse any opinions or recommendations posted by other users or guests. 

2.2 The following actions, among others, may result in the termination of your access to the Website: 

(a) Using the Website content for illegal purposes or for the transmission of material that is unlawful, harassing, libelous, invasive of another’s privacy, abusive, threatening, harmful, vulgar, or otherwise objectionable; 

(b) Posting or transmitting third-party copyrighted information or in any way infringing on the intellectual property, contractual, or fiduciary rights of others; 

(c) Providing false information or impersonating another person; 

(d) Modifying any Website content in a manner that produces a copy that is inaccurate or misleading; 

(e) Selling or otherwise commercially using any Website content, or duplicating such content; 

(f) Providing a full quotation, summary, transcript, or other appropriation of the content of the Website to any third party or facility—including but not limited to posting such content on any website—without the prior express written permission of Calculated Risk Advisors, LLC; 

(g) Violating the letter or spirit of these Terms and Conditions. 

2.3 Your use of the Website is subject to all applicable local, state, national, and international laws and regulations, including the laws of the State of Florida. You agree not to transmit any material that could constitute or encourage conduct that would constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable Florida or federal law, regulation, or rule, including the Florida Deceptive and Unfair Trade Practices Act. Any suspected fraudulent, abusive, or illegal activity may be grounds for termination of your access and may be referred to appropriate law enforcement authorities. Calculated Risk Advisors, LLC shall not be liable to you or any third party for the termination of your access or any claims related to such termination. 

 

  1. Proprietary Rights to Content

3.1 The content available through the Website is the property of Calculated Risk Advisors, LLC and is protected by copyrights, trademarks, service marks, patents, or other proprietary rights and laws. Content received through the Website may be viewed, downloaded, displayed, reformatted, and printed for your personal, non-commercial use only. You agree not to reproduce, retransmit, repost, distribute, sell, publish, broadcast, create derivative works from, perform, or in any way commercially exploit any of the content—or infringe upon trademarks or service marks displayed or received through the Website—without the prior written consent of Calculated Risk Advisors, LLC. 

3.2 By posting information on the Website, you grant Calculated Risk Advisors, LLC a non-exclusive, worldwide, royalty-free, perpetual, irrevocable license under your copyrights or other intellectual property rights, if any, in such material to use, distribute, display, reproduce, and create derivative works from such material in any and all media, in any manner, in whole or in part, without any duty to account to you. You also grant Calculated Risk Advisors, LLC the right to authorize the downloading and printing of such material, or any portion thereof, by other users for their personal use. 

  1. External Links

4.1 The Website may contain links to other related World Wide Web Internet sites and resources. Calculated Risk Advisors, LLC is not responsible for the availability of these external resources or their contents, nor does Calculated Risk Advisors, LLC endorse, or assume responsibility for, any of the contents, advertising, products, or other materials on such sites. Under no circumstances shall Calculated Risk Advisors, LLC be held responsible or liable, directly or indirectly, for any loss or damages caused or alleged to have been caused by your use of, or reliance on, any content, goods, or services available on such external sites. 

 

  1. Disclaimer of Warranties and Liability

5.1 The Website is provided “AS IS” and “AS AVAILABLE,” without warranty of any kind. CALCULATED RISK ADVISORS, LLC EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO: (a) warranties as to the availability, accuracy, completeness, currentness, or reliability of the content available through the Website, or the Website itself; (b) warranties that the Website will be uninterrupted, timely, secure, or error-free, or that software defects will be corrected; and (c) warranties of merchantability, fitness for a particular purpose, or non-infringement. 

5.2 YOU ACKNOWLEDGE AND AGREE THAT ANY MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE WEBSITE IS DONE AT YOUR OWN DISCRETION AND RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM CALCULATED RISK ADVISORS, LLC OR THROUGH THE WEBSITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. 

5.3 CALCULATED RISK ADVISORS, LLC, ITS OFFICERS, DIRECTORS, OWNERS, AGENTS, AND EMPLOYEES SHALL NOT BE LIABLE TO YOU OR ANYONE ELSE FOR ANY LOSS OR INJURY RESULTING FROM USE OF THE WEBSITE, CAUSED IN WHOLE OR IN PART BY ITS NEGLIGENCE OR CONTINGENCIES BEYOND ITS CONTROL IN PROCURING, COMPILING, INTERPRETING, REPORTING, OR DELIVERING THE WEBSITE AND ANY CONTENT THROUGH THE WEBSITE. IN NO EVENT WILL CALCULATED RISK ADVISORS, LLC, ITS OFFICERS, DIRECTORS, OWNERS, AGENTS, AND EMPLOYEES BE LIABLE TO YOU OR ANYONE ELSE FOR ANY DECISION MADE OR ACTION TAKEN BY YOU IN RELIANCE ON SUCH CONTENT. CALCULATED RISK ADVISORS, LLC, ITS OFFICERS, DIRECTORS, OWNERS, AGENTS, AND EMPLOYEES SHALL NOT BE LIABLE FOR ANY DIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, INDIRECT, OR SIMILAR DAMAGES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM THE USE OR INABILITY TO USE THE WEBSITE. 

 

  1. Indemnification

6.1 You agree to indemnify and hold Calculated Risk Advisors, LLC, its officers, directors, owners, agents, and employees harmless from any claim or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of your use of the Website, your violation of these Terms and Conditions, or your infringement—or the infringement by any other user of the Website using your computer—of any intellectual property or other right of any person or entity. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you. 

  1. Termination

7.1 Calculated Risk Advisors, LLC may, in its sole discretion, terminate or suspend your access to all or part of the Website for any reason, including, without limitation, breach of these Terms and Conditions or any subsequent modifications. 

7.2 Uploading inappropriate graphic material of a sexual or violent nature, using slurs, engaging in hate speech, or using threatening language is prohibited and constitutes grounds for termination of access. 

 

  1. Accessibility

8.1 Calculated Risk Advisors, LLC is committed to ensuring that the Website is accessible to all individuals, including those with disabilities, in compliance with the Americans with Disabilities Act (ADA). We strive to meet or exceed applicable accessibility standards, such as the Web Content Accessibility Guidelines (WCAG) 2.1. If you encounter any accessibility issues, please contact us at Calculated Risk Advisors, LLC, 200 S. Andrews Ave., Suite 504, Fort Lauderdale, FL 33309, or via email at info@calculatedriskadvisors.com. 

  1. Privacy Policy

9.1 Calculated Risk Advisors, LLC respects your privacy and is committed to protecting your personal information in accordance with Florida law, including the Florida Information Protection Act (FIPA). We collect, use, and disclose personal information only as necessary to provide our services, as described in this Agreement, or as required by law. Personal information may include your name, email address, or other data you voluntarily provide through the Website. We implement reasonable security measures to protect your data from unauthorized access, disclosure, or loss. You have the right to request access to, correction of, or deletion of your personal information, subject to applicable legal exceptions. For more details or to exercise your rights, contact us at Calculated Risk Advisors, LLC, 200 S. Andrews Ave., Suite 504, Fort Lauderdale, FL 33309. 

 

  1. Governing Law

10.1 These Terms and Conditions are governed by and construed in accordance with the laws of the State of Florida. You agree to submit to the personal jurisdiction of the courts of the State of Florida and the federal courts of the United States located in Florida for any cause of action arising out of or relating to the Website or these Terms and Conditions. 

10.2 Any cause of action arising out of or related to the Website must commence within one (1) year after the cause of action accrues, unless a longer period is required under Florida law; otherwise, such cause of action is permanently barred. 

 

  1. Contact Information

11.1 For questions, concerns, or legal notices regarding these Terms and Conditions, please contact us at: 

Calculated Risk Advisors, LLC 

200 S. Andrews Ave., Suite 504 

Fort Lauderdale, FL 33309