These Terms & Conditions describe the rules that apply when you access or use scottchilton.com and its related online resources. They govern use of the Website itself and do not, by themselves, create an insurance, advisory, consulting, lending, marketing, or other professional or commercial relationship.
About the Website
Scott Sinclair Chilton (“Scott Chilton,” “we,” “us,” or “our”) operates www.scottchilton.com and related subdomains as a personal-brand platform for educational content, professional information, personal perspectives, and inquiries relating to topics discussed on the Website. The Website does not currently sell products or services directly online.
Certain services, including insurance-related services, may be provided directly by Scott Chilton in his individual capacity where permitted by applicable law. Other inquiries may be referred or manually transferred to a separate business or service provider. Any engagement with a separate entity or provider is governed by the terms, agreements, disclosures, and requirements applicable to that entity or service.
Scope of These Terms
These Terms apply to the portions of the Website operated under the scottchilton.com domain, including www.scottchilton.com, go.scottchilton.com, pages.scottchilton.com, and other subdomains we may use in the future. They also apply to landing pages, forms, and similar online resources that use a scottchilton.com domain name even when the underlying technology is provided by a third-party service provider.
These Terms govern use of the Website. If you later enter into an insurance transaction, professional engagement, or other commercial relationship with Scott Chilton or with another business or service provider, that relationship may be governed by separate applications, agreements, disclosures, terms, or regulatory requirements. Those separate documents control with respect to that relationship.
Section 1 – Website Use
The Website provides general educational, informational, and professional content. Accessing or browsing the Website does not, by itself, create a professional, advisory, insurance, fiduciary, or other client relationship with Scott Chilton.
You may use the Website only for lawful purposes. You may not knowingly interfere with the Website’s operation, attempt to gain unauthorized access to systems or data, submit fraudulent or deceptive information, impersonate another person, or use the Website in a manner that violates applicable law or the rights of others.
Section 2 – Intellectual Property
Unless otherwise indicated, Website content, including text, graphics, logos, branding, photographs, audio, video, downloads, and original materials, is owned by or licensed to Scott Chilton and may be protected by copyright, trademark, and other intellectual property laws.
You may access and use the Website for your own personal or internal informational purposes. Except as permitted by law or with prior written permission, you may not reproduce, republish, distribute, sell, modify, create derivative works from, or commercially exploit Website content in a manner that infringes our rights or the rights of others.
Section 3 – Privacy and Personal Information
Personal information submitted through the Website is handled in accordance with our Privacy Policy. Using the Website or accepting these Terms does not, by itself, constitute consent to receive text messages or marketing communications.
Section 4 – Information You Provide
If you submit information through a form, appointment request, survey, questionnaire, or other Website feature, you agree not to knowingly provide false or misleading information, impersonate another person, or use the Website for fraudulent or unlawful purposes.
Section 5 – SMS Communications
Scott Chilton offers a non-promotional text messaging program for communications related to your inquiries, appointments, information requests, requested follow-ups, customer service, and services you request. Messages may include replies to your questions, requested information, appointment confirmations and reminders, scheduling updates, and service-related notifications. We do not use this SMS program to send marketing or promotional text messages.
Where SMS opt-in is offered, you may consent through an online form or another method that identifies Scott Chilton and describes the messages you agree to receive. By opting in, you consent to receive text messages within the scope of that consent at the mobile number you provide. Providing your phone number, using the Website, or accepting these Terms does not, by itself, enroll you in SMS communications. Consent to receive text messages is not a condition of purchasing any product or service.
Message frequency varies based on your requests, appointments, and interactions with us. Message and data rates may apply. Contact your mobile carrier with questions about your messaging or data plan.
To opt out, reply STOP to any text message from us. We may send a final text confirming your opt-out. After that, you will not receive further messages through this SMS program unless you opt in again. Opting out of text messages does not automatically unsubscribe you from email or other communications.
For help, reply HELP to a text message from us. You can also contact us at [email protected] or by phone at +1 617-468-7475.
Carriers are not liable for delayed or undelivered messages. For more information about how we handle mobile information and SMS consent, see our Privacy Policy.
Section 6 – General Content Disclaimer
Website content reflects general information, professional insights, personal perspectives, and experiences and is provided for educational and informational purposes. It is not individualized legal, financial, insurance, tax, investment, or other professional advice and should not be treated as a substitute for advice based on your specific facts and circumstances.
Information may become outdated, and laws, regulations, products, practices, market conditions, and other circumstances may change. You should independently evaluate information that is important to a decision and consult an appropriate professional when warranted.
Section 7 – Insurance Information
Scott Sinclair Chilton is a licensed insurance producer in applicable jurisdictions. Insurance-related content on the Website is provided for general educational and informational purposes and may discuss insurance concepts, strategies, or categories of coverage. The Website does not present, recommend, or offer specific named insurance contracts from particular insurance carriers.
The Website does not permit visitors to purchase insurance or bind coverage online. Visitors may contact Scott Chilton to request additional information or discuss their insurance needs. Any discussion involving a specific carrier, named insurance product, illustration, application, or insurance transaction occurs separately and is subject to applicable licensing, appointment, carrier, underwriting, product-availability, and other regulatory requirements.
Section 8 – Testimonials and Reviews
From time to time, we may publish testimonials, reviews, or other client feedback with appropriate authorization from the person providing it. Testimonials reflect individual experiences and do not guarantee that another person will have the same or similar experience or result.
Section 9 – Third-Party Links, Referrals, and Separate Providers
The Website may contain links to third-party websites, resources, products, or services. Third-party sites are operated independently and are governed by their own terms, privacy practices, and policies. We do not control and are not responsible for their content, availability, security, or practices.
A link or reference may be provided for convenience, information, or because we believe a resource may be useful. If we have a financial or other material relationship connected to a recommendation or referral, we will disclose that relationship where appropriate.
If an inquiry is referred or manually transferred to a separate business or service provider, any resulting engagement with that provider is separate from your use of this Website and is governed by the terms and requirements applicable to that provider.
Section 10 – No Warranties
EXCEPT WHERE OTHERWISE REQUIRED BY LAW, THE WEBSITE AND ITS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” WE DO NOT WARRANT THAT THE WEBSITE WILL ALWAYS BE AVAILABLE, UNINTERRUPTED, SECURE, ERROR-FREE, COMPLETE, ACCURATE, OR CURRENT. CONTENT MAY BE CORRECTED, UPDATED, CHANGED, OR REMOVED AT ANY TIME.
TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
Section 11 – Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, SCOTT CHILTON WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO YOUR ACCESS TO, USE OF, INABILITY TO USE, OR RELIANCE ON THE WEBSITE OR ITS GENERAL INFORMATIONAL CONTENT.
Nothing in these Terms is intended to limit liability that cannot be limited or excluded under applicable law. Any liability arising from a separate professional or commercial engagement is governed by the terms and law applicable to that engagement rather than by this Website-level limitation alone.
Section 12 – Indemnification
To the extent permitted by law, you agree to indemnify and hold Scott Chilton harmless from third-party claims, liabilities, damages, and reasonable costs arising from your unlawful misuse of the Website, your infringement of another person’s rights through your use of the Website, or your material violation of these Terms.
Section 13 – Copyright Concerns
We respect intellectual property rights. If you believe material on the Website infringes your copyright or other intellectual property rights, please contact us using the information below and identify the material at issue, the right you believe is affected, and information reasonably sufficient for us to review your concern.
Section 14 – Website Availability and Changes
We may change, update, suspend, restrict access to, or discontinue any part of the Website or its features at any time. We may also remove content or take reasonable steps to block access where necessary to protect the Website, comply with law, address misuse, or maintain the security or operation of our systems.
Section 15 – Governing Law
These Terms are governed by the laws of the Commonwealth of Massachusetts, without regard to conflict-of-law principles, except where applicable law requires otherwise. Any dispute arising specifically from use of the Website or these Terms may be brought in a court of competent jurisdiction in Massachusetts, unless applicable law provides otherwise.
Disputes arising from a separate insurance, professional, or commercial relationship may instead be governed by the agreements, disclosures, regulatory requirements, or dispute-resolution provisions applicable to that relationship.
Section 16 – No Waiver
A failure to enforce any provision of these Terms does not waive the right to enforce that provision or any other provision later.
Section 17 – Changes to These Terms
We may update these Terms from time to time to reflect changes to the Website, our practices, or applicable requirements. The current version will be posted on this page with an updated revision date. Where additional notice is appropriate or required by law, we will provide it.
Section 18 – Contact Information
If you have questions about these Terms, you can contact us:
- By email: [email protected]
- By phone: +1 617-468-7475
- By mail: Scott Sinclair Chilton, 7 Whittier Pl Ste 108 PMB 109, Boston, MA 02114