About These Terms
The following Terms of Service (“Agreement”) govern your use of Policy Defender Experts, a website owned and operated by Policy Defenders. This Agreement is legally binding on all visitors and users. Policy Defender Experts may update this Agreement at any time without prior notice.
Last Updated: July 1, 2026
Our Privacy Commitments
Policy Defender Experts’s Privacy Policy, available at Privacy Policy, governs our data practices and is part of these Terms. This site is designed for general U.S. audiences. We comply with COPPA and the following state privacy statutes, among others: CCPA/CPRA (California), CPA (Colorado), VCDPA (Virginia), CTDPA (Connecticut), TDPSA (Texas), MODPA (Maryland, effective October 2025), ICDPA (Indiana), KCDPA (Kentucky), RIDTPPA (Rhode Island), and any comparable statutes that come into effect.
Definitions
For purposes of these Terms, the following definitions apply:
“Personal Information” or “Personal Data” means information that identifies, relates to, or could reasonably be linked to a specific individual, consistent with applicable state privacy law definitions.
“Sensitive Personal Information” means data revealing Social Security numbers, government-issued ID numbers, financial account credentials, precise geolocation, racial or ethnic origin, religious beliefs, union membership, health or medical data, biometric identifiers, sexual orientation, immigration status, or contents of private communications, as defined under CPRA and applicable state laws.
“Sale” or “Sharing” has the meaning ascribed to it under applicable state privacy laws, which may include disclosure of personal data to third parties for monetary or other valuable consideration, or for cross-context behavioral advertising purposes.
How You May Use Our Content
Content on this website is available at no charge for individual, noncommercial use. Using any content from this website for commercial purposes is a violation of these Terms and may expose users to legal liability.
Why We Created This Site
Policy Defender Experts’s purpose is to provide free content, monetized through advertising. Users may visit and browse this site for personal, noncommercial reasons; the site is not intended to facilitate commercial transactions or activities by its visitors.
Advertising, Email, and Text Message Disclosures
Policy Defender Experts generates revenue through advertising. Compensation may be received by Policy Defender Experts and its partners when users view or interact with advertisements. Material advertising relationships on this website are disclosed.
Email Marketing: If you provide your contact information on this website, you may be enrolled to receive email marketing communications from Policy Defender Experts and its partners. You have the right to unsubscribe at any time by clicking the opt-out link in any email; opt-outs are processed within 10 business days, consistent with CAN-SPAM.
SMS Marketing: Providing your mobile phone number and consent may result in SMS marketing messages from Policy Defender Experts or its partners. Carrier message and data rates may apply. To stop receiving texts, reply STOP; for help, reply HELP. Your consent to receive SMS is not a prerequisite for purchase or use of this website.
Links to Other Websites
The scope of these Terms is limited to Policy Defender Experts, operated by Policy Defenders. Links or references to third-party websites appearing on this website do not constitute endorsement, and Policy Defenders is not responsible for the content, privacy practices, or data security of any third-party site. Users are strongly encouraged to review third-party terms and privacy policies before sharing any personal information.
Data Collection and Sharing Practices
As more fully described in our Privacy Policy (incorporated herein by reference), Policy Defender Experts collects personal data from users. This may include names, email and mailing addresses, phone numbers, IP addresses, device data, and behavioral or browsing information. We may share this data with advertising and marketing partners, data brokers, and other third parties for purposes such as targeted advertising, lead generation, and analytics. We do not sell Sensitive Personal Information. Residents of California and other states with relevant privacy legislation have rights including those to know, access, correct, delete, and opt out of sales, sharing, and targeted advertising of their personal data. To submit a privacy request, visit our Privacy Choices page or contact us below. We will respond within legally mandated timeframes.
Financial Information Notice
Policy Defender Experts does not request or require financial account information for any purpose. Any concerns about improper collection or disclosure of financial information in connection with this website should be directed to Policy Defenders promptly, using the contact information set out below.
Copyright and Proprietary Rights
© 2026 Policy Defender Experts. All rights reserved. Policy Defender Experts’s name, logo, trademarks, and all original content are proprietary to Policy Defenders and may not be copied or used for any purpose without written permission. Violation of these rights may lead to legal action.
To submit a copyright infringement notice, email contact@policydefenderexperts.com with: (1) identification of your copyrighted work; (2) the URL of the content you believe infringes your rights; (3) your contact details; and (4) a good faith statement that the use is not authorized.
Our Policy on Children's Privacy
This website is intended for general audiences and complies with the Children's Online Privacy Protection Act (COPPA). Policy Defender Experts does not knowingly collect personal information from children under 13. If we learn such information has been collected, we will promptly delete it. This website is intended for users who are 18 years of age or older. Parents or guardians who believe a minor has submitted personal information through this website should contact us immediately.
Intended Audience: United States only
This website is intended for residents and visitors located in the United States. Accessing the website from outside the United States is at the sole discretion and risk of the user. Policy Defenders does not represent that this website or its content is appropriate or legally available in other jurisdictions, and users are responsible for compliance with applicable local laws.
Restrictions on Use
This website prohibits the following conduct without limitation: unauthorized commercial data harvesting; e-commerce activities; identity misrepresentation; interference with website security; posting unlawful or harmful material; use of automated bots or scraping tools without written consent; and any action that contravenes CAN-SPAM, TCPA, CCPA/CPRA, FTC standards, or any other applicable law or regulation.
Changes to These Terms and Termination
These Terms of Service may be revised by Policy Defenders without notice. When revisions are material, the “Last Updated” date on this page will be changed. Continued access to or use of Policy Defender Experts after any revision constitutes acceptance of the new Terms. Policy Defenders may terminate access and pursue applicable legal remedies for violations of these Terms.
Dispute Resolution and Arbitration
DISPUTES ARISING FROM OR RELATING TO THESE TERMS OR USE OF THIS WEBSITE MUST FIRST BE ADDRESSED THROUGH A 30-DAY INFORMAL GOOD-FAITH NEGOTIATION PERIOD. IF INFORMAL RESOLUTION FAILS, DISPUTES WILL BE SUBMITTED TO BINDING ARBITRATION ADMINISTERED BY THE AMERICAN ARBITRATION ASSOCIATION, WITH THE EXCEPTION THAT EITHER PARTY MAY SEEK INJUNCTIVE OR EQUITABLE RELIEF IN A COURT OF COMPETENT JURISDICTION.
CLASS ACTION WAIVER: YOU WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. DISPUTES WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS, TO THE EXTENT PERMITTED BY LAW.
Applicable Law
These Terms of Service are governed by and construed under the laws of Virginia, without regard to conflict of law rules. No provision of these Terms shall be deemed to supersede, limit, or waive any rights you have under applicable state or federal privacy law.
Contact and Privacy Requests
For questions or concerns regarding these Terms, please email us at contact@policydefenderexperts.com. Written inquiries may be mailed to: 26 Town Center Way #265, Hampton, VA 23666. To exercise privacy rights under CCPA/CPRA or other applicable state privacy laws by phone, please call: 855-586-1377.