Terms of Use


 

Effective Date: October 24, 2026

 

Welcome to the website of Spruce Private Risk (“Spruce Private Risk,” “we,” “our,” or “us”). By accessing or using this website, you agree to these Terms of Use.
 

If you do not agree with these Terms of Use, please do not use this website.


 

General Information Only
 

The information provided on this website is for general informational purposes only.
 

Nothing on this website is intended to constitute legal, tax, investment, accounting, financial-planning, or other professional advice unless specifically stated otherwise.
 

Information on this website should not be relied upon as a substitute for advice from appropriately qualified professionals.


 

Insurance Information
 

Information regarding insurance products, strategies, or coverage is provided for general informational purposes only and does not constitute an offer, binder, guarantee, or contract of insurance.

Insurance coverage is subject to:
 

• Carrier availability

• Underwriting approval

• Policy terms and conditions

• State-specific requirements

• Eligibility

• Applicable exclusions and limitations
   

Submitting a form, requesting a consultation, speaking with Spruce Private Risk, or receiving information from us does not create insurance coverage.
 

Coverage becomes effective only when confirmed in accordance with the applicable insurer's requirements.

No Guarantee of Coverage or Results
 

Spruce Private Risk does not guarantee:
 

• Approval for insurance coverage

• Specific premiums or rates

• Product availability

• Underwriting outcomes

• Financial, tax, estate, or business results

• Suitability of any particular insurance product for every individual or business
   

Any insurance recommendation or strategy should be evaluated based on the individual circumstances of the client.


 

Licensing and Geographic Availability
 

Insurance products and services may only be offered in jurisdictions where the applicable insurance professional is properly licensed and where the relevant insurance product is available.
 

Certain products or services described on this website may not be available in every state.


 

Website Content
 

We make reasonable efforts to keep information on this website accurate and current.
 

However, Spruce Private Risk does not represent or warrant that all website content is:
 

• Complete

• Current

• Error-free

• Appropriate for every situation

• Available at all times
   

We may modify, update, suspend, or remove website content at any time without notice.


 

Third-Party Products and Services
 

Spruce Private Risk may provide information regarding insurance products issued by third-party insurance carriers.
 

Spruce Private Risk does not control the terms, underwriting standards, financial condition, claims practices, policy administration, or privacy practices of third-party insurance carriers.
 

Any insurance contract is between the policy owner and the issuing insurance carrier.


 

Third-Party Links
 

This website may contain links to third-party websites or services.
 

These links are provided for convenience only. Spruce Private Risk does not control and is not responsible for the content, security, accuracy, availability, or privacy practices of third-party websites.
 

Accessing third-party websites is at your own risk.


 

Intellectual Property
 

Unless otherwise indicated, the content on this website, including text, graphics, logos, design elements, images, and other materials, is owned by or licensed to Spruce Private Risk or its affiliated entities.
 

You may view and use this website for personal and lawful purposes.
 

You may not reproduce, distribute, modify, republish, sell, or commercially exploit website content without prior written permission.


 

Acceptable Use
 

You agree not to use this website in any manner that:
 

• Violates applicable law

• Interferes with website security or operation

• Attempts unauthorized access to systems or data

• Introduces malware, viruses, or harmful code

• Uses automated tools to scrape or collect information without authorization

• Misrepresents your identity

• Infringes the rights of others
  
  
   

Electronic Communications
 

By contacting us through this website, email, telephone, or other electronic means, you consent to receive communications related to your inquiry.
 

Submitting contact information does not automatically enroll you in marketing communications beyond those permitted by applicable law.


 

Limitation of Liability

To the fullest extent permitted by law, Spruce Private Risk and its affiliates, officers, employees, representatives, and service providers will not be liable for losses or damages arising from:
 

• Use of or inability to use this website

• Reliance on information presented on this website

• Website interruptions or errors

• Third-party websites or services

• Unauthorized access to or alteration of information
   

Nothing in these Terms of Use limits liability where such limitation is prohibited by law.


 

No Professional Relationship Created
 

Use of this website does not by itself create:
 

• An insurance contract

• A client relationship

• A fiduciary relationship

• A legal or tax advisory relationship

• An investment advisory relationship
   

Any formal relationship will be established only through appropriate agreements, applications, disclosures, or other required documentation.


 

Privacy
 

Your use of this website is also subject to our Privacy Policy.
 

Please review the Privacy Policy to understand how we collect, use, and protect information.


 

Changes to These Terms
 

We may update these Terms of Use periodically.
 

Any changes will be posted on this page with a revised effective date.
 

Your continued use of the website after changes are posted constitutes acceptance of the updated Terms of Use.


 

Governing Law
 

These Terms of Use are governed by applicable laws of the State of New Jersey and, where applicable, federal law, without regard to conflict-of-law principles.


 

Contact Us
 

If you have questions, please contact:
 

Spruce Private Risk
2001 Market Street, Suite 2500
Philadelphia, PA 19103
(856) 530-0309
anthony@spruceprivaterisk.com

Spruce Private Risk is a Briddell Capital company.