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Terms of Service

Last updated: June 04, 2026

Terms of Service

Last updated: June 2026

Welcome to puddle.top. These Terms of Service ("Terms") govern your access to and use of the website located at puddle.top (the "Site"), including any content, articles, comments, and interactive features available on the Site. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Site.

puddle.top is a blog dedicated to providing informational content about Life Insurance Riders. The Site is owned and operated by the publisher. For any questions regarding these Terms, please contact us at [email protected] or write to 596 Oak Ave, Portland, OR 97201.

1. Acceptance of Terms

By using puddle.top, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as any applicable laws and regulations. If you do not agree with any provision of these Terms, you are prohibited from using or accessing the Site. These Terms apply to all visitors, users, and others who access or use the Site.

2. Informational Purpose Only

All content published on puddle.top, including articles, guides, and explanatory material about Life Insurance Riders, is provided for general informational and educational purposes only. The content does not constitute professional financial, legal, or insurance advice. You should consult with a qualified insurance professional, financial advisor, or attorney before making any decisions regarding life insurance riders or any other financial product. Reliance on any information provided on this Site is solely at your own risk.

3. User Conduct

When using puddle.top, you agree to:

  • Use the Site only for lawful purposes and in accordance with these Terms.
  • Not engage in any conduct that restricts or inhibits any other user from using or enjoying the Site.
  • Not attempt to gain unauthorized access to any part of the Site, servers, or systems connected to the Site.
  • Not introduce any viruses, trojans, worms, or other malicious or technologically harmful material.
  • Not use the Site for any commercial solicitation or advertising without prior written consent from the publisher.

4. Comments and User-Generated Content

puddle.top may allow users to post comments, questions, or other content ("User Content"). By submitting User Content, you grant the publisher a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, and display such content throughout the world in any media. You represent and warrant that your User Content does not violate any third-party rights, including copyright, trademark, or privacy rights. The publisher reserves the right to remove or edit any User Content at its sole discretion, without prior notice.

You agree not to post User Content that:

  • Is defamatory, obscene, abusive, harassing, or hateful.
  • Contains false or misleading information.
  • Infringes upon the intellectual property rights of others.
  • Contains unsolicited advertising or promotional materials.

5. Intellectual Property Rights

All content on puddle.top, including but not limited to text, graphics, logos, images, and articles, is the property of the publisher or its content providers and is protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any content from the Site without the prior written consent of the publisher. You may download or print a single copy of content for your personal, non-commercial use only, provided you retain all copyright and other proprietary notices.

6. Third-Party Links

The Site may contain links to third-party websites or services that are not owned or controlled by the publisher. puddle.top has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that the publisher shall not be liable for any damage or loss caused by or in connection with the use of any such third-party websites. We encourage you to review the terms and policies of any third-party sites you visit.

7. Disclaimer of Warranties

THE SITE AND ALL CONTENT PROVIDED ON PUDDLE.TOP ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE PUBLISHER DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. THE PUBLISHER DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.

8. Limitation of Liability

IN NO EVENT SHALL THE PUBLISHER, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOUR SOLE REMEDY FOR DISSATISFACTION WITH THE SITE IS TO STOP USING THE SITE.

9. Indemnification

You agree to indemnify, defend, and hold harmless the publisher, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or related to your violation of these Terms or your use of the Site, including any User Content you submit.

10. Changes to Terms

The publisher reserves the right to modify or replace these Terms at any time. Changes will be effective immediately upon posting the updated Terms on the Site. Your continued use of the Site after any such changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically for any updates. The "Last updated" date at the top of these Terms indicates when the most recent changes were made.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Oregon, without regard to its conflict of law provisions. Any disputes arising out of or relating to these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Portland, Oregon.

12. Contact Information

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

We will make reasonable efforts to respond to your inquiry in a timely manner.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions of these Terms shall continue in full force and effect.

14. Entire Agreement

These Terms constitute the entire agreement between you and the publisher regarding your use of the Site and supersede any prior agreements or understandings, whether written or oral, relating to the subject matter hereof.

Thank you for visiting puddle.top. We hope you find our content about Life Insurance Riders informative and helpful.