Terms of Service

These Terms of Service (the "Terms") are a binding agreement between you and AdvisorList (the "Company," "AdvisorList," "we," "us," or "our"). They govern your access to and use of the AdvisorList website and any content, functionality, and services provided on or through it (collectively, the "Services").

By accessing or using the Services, you acknowledge that you have read and understand these Terms and you agree to be bound by them. You also agree to our Privacy Policy, which is incorporated by reference.

If you do not agree to these Terms, do not use the Services.

We may update these Terms from time to time to reflect changes in the Services, our business practices, or legal requirements. Unless we specify otherwise, updates are effective when posted on this page.

For material changes, we may provide notice by posting a prominent notice on the Services, sending an email to an address associated with your account, or other reasonable means. Your continued use of the Services after the effective date of an updated version constitutes acceptance of the updated Terms.

We may modify, suspend, or discontinue all or any portion of the Services at any time, including features, content, eligibility to use the Services, or availability.

You may use the Services only if you are at least 18 years old and can form a binding contract with us. By using the Services, you represent and warrant that you meet this requirement.

The Services are intended for users located in the United States. We make no representation that the Services are appropriate or available outside the United States. If you access the Services from outside the United States, you do so at your own initiative and are responsible for compliance with local laws.

• “User” means any person or entity that accesses or uses the Services.
• “Consumer” means a User who accesses or uses the Services for personal, family, or household purposes (including viewing profiles, reading resources, using tools, or submitting inquiries).
• “Advisor” means a User who is a financial professional, investment adviser, or firm representative using the Services in a business capacity (including to create/manage profiles, receive inquiries, publish content, or purchase paid features).
• “Account” means a registered login or profile used to access certain features of the Services.
• “Content” means information, text, graphics, images, video, audio, software, and other materials made available on or through the Services.
• “User Contributions” means Content that a User submits, posts, uploads, publishes, displays, or otherwise makes available through the Services (including profile information, messages, and uploads).
• “Sponsored Content” means placements, listings, features, or content that are identified as paid, sponsored, promoted, or advertising.
• “Including” means “including without limitation.”

AdvisorList is an advertising and information platform. We help Consumers discover financial professionals and we provide tools for Advisors to present information about their services.

We do not provide investment, tax, or legal advice. We do not recommend or endorse any particular advisor, firm, product, security, or strategy. You are solely responsible for evaluating any advisor and deciding whether to engage them.

Paid placement and conflicts. Some Advisors pay us for listings, subscriptions, and/or enhanced visibility. As a result, AdvisorList has a financial incentive to display paying Advisors more prominently. Additional details about our business model, ranking factors, and regulatory disclosures are described on our Disclosures page, which is incorporated by reference.

Certain portions of the Services may require you to create an Account. You agree to provide accurate, current, and complete information and to keep your Account information up to date.

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your Account. You agree to notify us promptly at support@advisorlist.org of any suspected unauthorized access or use.

We may suspend or terminate Accounts (or restrict access to features) at any time if we reasonably believe there has been a violation of these Terms or a security risk.

By creating an Account or using the Services, you consent to receive notices and disclosures electronically (including via email or in-product notices). You are responsible for maintaining a valid email address.

The Services allow you to search for and view information about Advisors, including profile details that may be provided by Advisors and/or derived from public sources. We do not guarantee the accuracy, completeness, timeliness, or usefulness of any profile information.

You should independently verify an Advisor’s registration status, credentials, and disciplinary history using official sources (for example, SEC IAPD and FINRA BrokerCheck) before engaging them.

If you choose to contact an Advisor through the Services, any advisory relationship is strictly between you and the Advisor. AdvisorList is not a party to your agreement with any Advisor and is not responsible for the services an Advisor provides (or fails to provide).

If you are an Advisor, you may be able to create, claim, or manage a profile and publish Advisor-provided information. You represent and warrant that: (a) you are authorized to act on behalf of the Advisor or firm you represent; (b) your profile content is truthful and not misleading; and (c) you will keep your information current.

You are solely responsible for compliance with all laws and regulations applicable to your business and marketing activities, including rules governing advertising, endorsements, testimonials, and disclosures. AdvisorList does not provide compliance advice and does not verify your compliance.

You must not submit sensitive personal information about Consumers through the Services unless necessary for the intended purpose and permitted by applicable law. If you receive Consumer information through inquiries or other features, you must use it only for responding to the Consumer’s request and in compliance with applicable privacy and marketing laws.

If you submit a message, request, or other inquiry to an Advisor through the Services (a "Contact Inquiry"), you consent to AdvisorList transmitting the Contact Inquiry and any included contact details and preferences to the Advisor(s) you select.

We do not guarantee inquiry delivery, Advisor response times, or the formation of any relationship. You are responsible for the content of your inquiry and for exercising appropriate caution when communicating with third parties.

Scheduling features (if available) may be provided through third-party scheduling tools. Any scheduling or meeting arrangement is solely between you and the Advisor and may be subject to additional third-party terms.

Certain features of the Services are offered on a paid subscription basis to Advisors (including enhanced visibility and administrative tools). Pricing and feature details are described on the Services (including the Pricing page) and may change over time.

Payments may be processed by third-party payment processors (for example, Stripe). By purchasing a subscription, you authorize us (and our processors) to charge the payment method you provide for recurring fees, taxes, and other amounts disclosed at checkout.

Unless otherwise required by law or expressly stated in writing by us, subscription fees are non-refundable. You may cancel a subscription at any time; cancellation typically takes effect at the end of the then-current billing period.

The Services may include AI-powered features (for example, tools that help interpret search queries or summarize content). AI outputs may be inaccurate, incomplete, or outdated and are provided for informational purposes only.

You agree not to rely on AI outputs as a substitute for professional advice or independent verification. You are solely responsible for how you use AI outputs and for verifying any information before making decisions.

Some subscription tiers may include features that provide Advisors with analytics or “visitor intelligence” regarding traffic to their profiles (including, in some cases, business contact information derived from third-party sources). These features are subject to availability, may change, and may not identify all visitors.

If you are an Advisor and you receive visitor intelligence data, you agree to use it responsibly, only for legitimate business outreach, and in compliance with applicable privacy, marketing, and anti-spam laws (including restrictions on unsolicited communications).

Details about data collection and opt-out mechanisms are described in our Privacy Policy.

Except for User Contributions, the Services and all Content are owned by AdvisorList or its licensors and are protected by intellectual property laws. We reserve all rights not expressly granted.

License to you. Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for your internal, lawful purposes.

License to us for User Contributions. By submitting User Contributions, you grant AdvisorList a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to use, host, store, reproduce, modify, display, distribute, and otherwise exploit such User Contributions in connection with operating, improving, and marketing the Services.

You represent and warrant that you have all rights necessary to grant the license above and that your User Contributions comply with these Terms and applicable law.

Feedback. If you provide suggestions or feedback, you agree we may use it without restriction or compensation.

You agree to use the Services only for lawful purposes and in accordance with these Terms. You must not:

• Use the Services in a way that violates any applicable law or regulation.
• Harvest, scrape, or collect information from the Services by automated means (including bots, spiders, or scrapers) without our express written permission.
• Probe, scan, test the vulnerability of, or breach any security or authentication measures.
• Introduce malware or otherwise interfere with the operation of the Services (including denial-of-service attacks).
• Use contact information obtained through the Services for unauthorized solicitation or resale.
• Reverse engineer, decompile, or attempt to derive source code from the Services except as permitted by law.
• Frame, mirror, or otherwise create a false association with the Services or our brand.
• Use the Services to benchmark against or build competing products using non-public aspects of the Services.

The Services may include links to third-party websites or services and may integrate third-party tools. We do not control and are not responsible for third-party content, terms, or privacy practices.

Your interactions with third parties are solely between you and the third party and may be governed by separate terms and policies.

We respect the intellectual property rights of others. If you believe that content on the Services infringes your copyright, please send a notice to support@advisorlist.org with the information required under the Digital Millennium Copyright Act (17 U.S.C. §512), including:

• Identification of the copyrighted work you claim has been infringed.
• Identification of the material that is claimed to be infringing and information reasonably sufficient to permit us to locate it (for example, a URL).
• Your contact information (name, address, telephone number, and email address).
• A statement that you have a good faith belief that use of the material is not authorized by the copyright owner, its agent, or the law.
• A statement, under penalty of perjury, that the information in the notice is accurate and that you are authorized to act on behalf of the copyright owner.
• Your physical or electronic signature.

We may remove or disable access to material alleged to be infringing and, where appropriate, may terminate Accounts of repeat infringers.

We may suspend or terminate your access to the Services at any time, with or without notice, if we believe you have violated these Terms, pose a security risk, or if we discontinue the Services.

You may stop using the Services at any time. Sections that by their nature should survive termination will survive (including intellectual property, disclaimers, limitation of liability, and dispute resolution).

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY CONTENT (INCLUDING ADVISOR PROFILES OR THIRD-PARTY DATA) IS ACCURATE, COMPLETE, OR CURRENT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL ADVISORLIST OR ITS AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ADVISORLIST’S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) $500; OR (B) THE AMOUNTS YOU PAID TO ADVISORLIST FOR THE SERVICES GIVING RISE TO THE CLAIM IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY.

Some jurisdictions do not allow certain limitations; in that case, these limitations apply to the fullest extent permitted by applicable law.

You agree to defend, indemnify, and hold harmless AdvisorList and its affiliates, and their respective officers, directors, employees, and agents, from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of the Services; (b) your violation of these Terms; (c) your User Contributions; or (d) your violation of applicable law.

Informal resolution. Before filing a claim, you agree to contact us at support@advisorlist.org and provide a brief description of the dispute. We will try to resolve disputes informally.

Binding arbitration (U.S. users). To the fullest extent permitted by law, you and AdvisorList agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by binding, individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, and not in court, except that either party may bring an individual claim in small claims court if it qualifies.

Class action waiver. YOU AND ADVISORLIST AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, REPRESENTATIVE, OR COLLECTIVE ACTION.

Opt-out. You may opt out of arbitration within 30 days of first accepting these Terms by emailing support@advisorlist.org with the subject line “Arbitration Opt-Out” and your name and email associated with your Account.

Governing law. These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law rules.

Time limit. Any claim must be commenced within one (1) year after the claim accrues; otherwise it is permanently barred, to the fullest extent permitted by law.

Entire agreement. These Terms and the Privacy Policy (and the Disclosures page, if incorporated by reference) constitute the entire agreement between you and AdvisorList regarding the Services, except to the extent you have entered into a separate written agreement with AdvisorList that governs certain Services.

Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect.

No waiver. Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision.

Contact. Questions about these Terms can be sent to support@advisorlist.org.