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Terms of Use for the ADVICE Service

Last updated in November 2025

This website, located at https://www.advice-fp.com/ (hereinafter: the “Site” or “Website”), is operated by Advice Fp.
Pension Insurance Agency (2015) Ltd., H.P. 515234433 (“the Company”, “the Site Operator”, “we”, “us”). This Privacy Policy will detail how
we use the information collected about you (“the User”, “you”, “your”, “customer”) when using the Site or the Service (as defined in the Terms of Use), with whom
we share the information and what your rights are in relation to the information. The Policy also includes information on the use of Cookies.
The Privacy Policy forms an integral part of the Terms of Use of the Site [link]. Before using the Site or providing personal information to the Company, please ensure that you have read
the Privacy Policy terms carefully and that you understand them.
This Privacy Policy has been prepared in the masculine form for convenience, but is addressed equally to all genders.
This Privacy Policy applies to any data we collect about you that identifies or allows you to be identified directly or indirectly (such as your name, email address, phone number Your ID, your means of payment, etc.), as well as any information that constitutes “personal information” and/or “particularly sensitive information” as defined in the Privacy Protection Law, 5741-1981, including any data or information that you provide to the site operator proactively on the site in accordance with the purpose of your request, and/or information that will be received about you from third parties, as part of the service that the site operates, including the Ministry of Finance, the Pension Clearing House, the “Har Al-Tiyamon” system or institutional bodies, after receiving your consent.

Introduction
1. Welcome to the website https://www.advice-fp.com (hereinafter: the “Site”) operated and managed by Advice F.P. Pension Insurance Agency (2015) Ltd., 6 Efal St., Petah Tikva (hereinafter: the “Site Operator” or “Advice”). Use of the Site and the service offered therein is subject to the Terms of Use appearing below, as and as may be updated from time to time by the Site Operator (hereinafter: the “Terms of Use”), as well as to the Privacy Policy available here [link should be added] (hereinafter: the “Privacy Policy”), which forms an integral part of the Terms of Use.
2. Before using the Site for any purpose or purpose (including the service offered therein), you are requested to carefully read the Terms of Use, which constitute the legal basis for any discussion between you and the Site Operator in relation to the Site and the Service (including any engagement and/or negotiation for engagement that will be made as a result thereof, including any document that will be transmitted to the User as part of and/or in connection with it). By using the Site and/or the Service, you confirm that you have read and understood the Terms of Use and that you agree to all of their terms. If you do not accept the Terms of Use, in whole or in part, please refrain from using the Site and the Service in any way.
3. The Terms of Use are written in the masculine form for convenience only, but they apply equally to both genders.
4. Within the framework of the Terms of Use, the following terms shall have the meaning set forth below: (a) “You” or “User” or “Your” means any user who uses the Site; (b)
  “Material(s)” or “Content” means information or data of any kind (including text contained in a questionnaire, graphic language, logo, data, images, etc.)
  that are displayed or appear on the Site, and all of them, whether owned by the Site Operator or owned by a third party that grants the Site Operator the right to use it; (c)
  “Use” means any browsing and/or entry and/or viewing and/or visit by a User to the Site, for any purpose whatsoever, including for the purpose of receiving the Service.
The Service
1. The Site provides access to an online platform through which it is possible to obtain an up-to-date snapshot (according to the data received by the Site Operator as of the date of the last data retrieval) of the User’s financial situation, which includes, among other things, the User’s existing savings and insurance policies, in accordance with the personal information entered by him, and/or any personal information received about the User from third parties, as part of the service that the Site Operator provides, including, the Israeli Ministry of Finance, the Pension Clearing House, the “Insurance Mountain” system or other institutional bodies active in the fields of insurance and savings, after receiving consent and completing the necessary forms by the User as detailed below. The Site provides, among other things, information in the fields of life insurance, health insurance and pension savings and financial investments (collectively, hereinafter: “the Service”).
2. Receiving the service is conditional on filling out a questionnaire and/or relevant forms in which the user will be required to provide contact information and personal details that may include
  “personal information” or “particularly sensitive information” (as defined in the Privacy Protection Law, 5741 – 1981 (hereinafter: “the Law”) about him
  (hereinafter: “the information”). The provision of information is subject to the privacy policy [hyperlink must be added]. By using the site and the service, the user declares that
  the details provided are true and accurate.
3. Upon completion of the questionnaire, the user will be presented with possible offers for insurance and pension and financial savings products. It is clarified that the offers and results presented to the user on the site may present amounts that are not final and/or updated, and may be subject to changes arising from the terms, restrictions and user responses to the medical questionnaire, as determined by the product manufacturers, as well as the date of data generation through the pension clearing system and the site operator’s initial assumptions regarding future returns and interest rates. Upon the user’s selection of one of the offers, a representative from the site operator will contact the user to receive additional details and complete the insurance contract contracting process.
4. The service offered to the user within the framework of the website is free of charge.
Privacy Policy
1. The Privacy Policy forms an integral part of these Terms of Use, and we recommend that you review it carefully before using the Site.
2. For the avoidance of doubt, and without derogating from the provisions of the Terms of Use and Privacy Policy, the Site Operator is not responsible for the use made of personal information (as defined in the Privacy Policy) provided on the Site by external parties. By using the Site, you confirm that you will not have any claim and/or claim and/or demand against the Site Operator and anyone on its behalf due to this.
3. The user grants the website operator a non-exclusive and unlimited license to use the personal information for the purposes of the activity and purposes as detailed in the privacy policy.The license is granted without consideration or royalties, and the user agrees that he will have no demands or claims in this regard against the website operator or anyone on his behalf.
4. We recommend that you keep your username and password secure and not share them with others. Please note that any login to your personal area using your identifying information (e.g., your email and/or phone number), including any personal information provided using them, will be considered as login by you, and you release the website operator and anyone acting on its behalf from any liability or responsibility for any unauthorized use of your name, your information, and the results of such use.
Using the website
1. The website operator permits the user to use the website and the service for lawful purposes only. The right of use is personal and non-transferable. In addition, it is strictly prohibited to use the website and/or the service for any of the following actions: (a) performing any action that imposes a reasonably large or disproportionate load on the website and/or the infrastructure associated with it; (b) damaging and/or modifying and/or otherwise interfering with the website’s source code and uploading materials that infringe/may infringe intellectual property rights and/or removing or separating from the content and/or the website restrictions and signs indicating the website operator’s proprietary rights; (c) Penetration of the information files and/or any material of the site operator located on the site, performing any action aimed at creating derivative works, modifying, reverse compiling, reverse engineering, updating, improving or attempting to crack the source code of the site and/or the service, performing any crawling or spidering action or any similar action on the site or any part thereof, all by mechanical, electronic, manual means and/or in any other way; (d) Penetration of the information files and data of the site operator and/or third parties and/or transferring computer software, computer code or application that includes viruses, Trojan horses, worms, and other hostile software and/or harmful applications and/or performing any action in violation of the Computer Law, 5755 – 1995; (e) Creating a deep link (deep linking); (f) Any action on the site or part thereof in a manner that causes and/or may cause the site and/or the site operator and/or anyone on its behalf and/or any of the site users damage of any kind; (g) Uploading illegal content and/or the publication of which is prohibited by law, threatening, harassing, offensive, inciting, false, misleading, racist, may not use the site in a way that violates privacy, may not upload any material that is defamatory or pornographic, may not solicit in connection with any products or services, and may not use the site and/or any part thereof for the purpose of performing or encouraging the performance of an act or action prohibited by any law; and/or (h) copying, distributing or reproducing the site and/or the service; (i) using the site and/or the service and/or the content for commercial or non-private purposes, without the express prior written consent of the site operator; (j) Not to upload, retrieve, transmit, distribute or publish information or other material that may encourage, solicit, incite or assist another to commit an act prohibited by law or that may give rise to legal liability; or (k) to violate the Terms of Use and any part thereof and/or the provisions of any law in connection with the use of the Site.
2. The user agrees and confirms that he is aware of the limitations of the Internet regarding information security on the network and releases the website operator from any liability in this regard.
3. The user grants the website operator a non-exclusive and unlimited license to use the personal information for the purposes of the activity and purposes as detailed in the privacy policy.The license is granted without consideration or royalties, and the user agrees that he will have no demands or claims in this regard against the website operator or anyone on his behalf.
4. We recommend that you keep your username and password secure and not share them with others. Please note that any login to your personal area using your identifying information (e.g., your email and/or phone number), including any personal information provided using them, will be considered as login by you, and you release the website operator and anyone acting on its behalf from any liability or responsibility for any unauthorized use of your name, your information, and the results of such use.
Intellectual property rights
1. With the exception of information about the user, all intellectual property rights of any kind on the site and its contents, whether registered or unregistered, are the exclusive property of the site operator (and/or third parties who have granted the site operator permission to use them within its framework), including but not limited to copyrights, trademarks, brands, patents, trade secrets, designs, on the site and in the “content” of the site of any kind, including in connection with the services and products, and including the manner of presentation and design of the site, drawings, charts, illustrations, photos, maps, software, applications, graphic and other files, texts and/or any other material contained and/or related to the site and its operation, including any verbal, visual, audio, audiovisual content or any combination thereof, as well as the design, processing, editing, distribution and manner of presentation of the contents, including (but not limited to): Image, photograph, illustration, animation, diagram, visualization, video, audio file, as well as any object, software, file, computer code, application, regulation, (format) protocol, electronic form, database and interface and any character, symbol and icon that appears and/or is integrated on the site by the site operator. The user is prohibited from making any use, including making changes, copying, publishing, distributing, broadcasting, displaying, performing, reproducing, issuing a license, creating derivative works or selling any part of the information contained on the site without the prior written and express consent of the site operator. The user acknowledges the copyrights existing in the information appearing on the site and undertakes not to make any commercial use of the information or any use contrary to the provisions of copyright law and international treaties.
Responsibility
1. The website and the service offered therein are provided as is (“AS IS”), without any liability and/or obligation of the website operator and anyone on its behalf of any kind, express or implied, including (but without derogating from the generality of the foregoing) liability for the absence of errors, disruptions and/or errors and/or inaccuracies in the information contained on the website and/or the absence of harmful components on the website, including those originating from service providers acting on behalf of and/or in cooperation with the website operator in the framework of providing the service; and/or that the service will meet the user’s requirements or suit his needs, or that the website or any of its parts will operate continuously, fully, and that access to it will be available or free of faults and will not be interrupted. In addition, any reliance and/or decision by the user to enter into an insurance contract with the website operator and/or its business partners based on an offer to arrange insurance (if offered) is the full and exclusive responsibility of the user. The website operator and anyone on its behalf are not responsible for the content of any insurance policy purchased by the user or for its performance after it has been purchased. The user releases the website operator and/or its shareholders and/or managers and/or employees and/or anyone on its behalf from liability for any injury, damage, claim, demand, liability, out-of-pocket expense, loss or any other payment incurred by him in connection with the aforementioned.
2. The website operator will not be liable for any engagement and/or negotiation for engagement that will be made as a result of the service offered on the website with any third party, including any document that will be transmitted to the user as part of and/or in connection with the service.
3. The website operator and/or anyone on its behalf will not be responsible for the information found on other websites or external websites, mentioned on the website or linked to the website by means of links (“links”) or in any other way, and they will not be liable for any damages that you may incur, if any, due to reliance on the information found on these websites or its use.
4. Notwithstanding the provisions of any law or agreement, in no event shall the operator of the site and/or its shareholders and/or its managers and/or its employees and/or anyone on its behalf and/or any other third party mentioned on the site be liable for any damages whatsoever (including direct, indirect or consequential, special or punitive damages, including damages arising from loss of profits, loss of data, file recovery, interruption of business, damage to reputation, etc.) in connection with and/or as a result of the use of the site and/or the service, and/or the inability to use the site and/or the service, and/or as a result of infringement of property rights, whether protected or not, and/or as a result of exposure to computer damage during or as a result of the use of the site and/or the service and/or as a result of the cessation of the site and/or service and/or interruptions in their operation, and all this – even if the operator of the site has already received information about the possibility of these damages occurring, whatever the case. The cause of action or the cause of the damage, whether contractual, tortious or otherwise. In any case, notwithstanding the provisions of any law or agreement, the only remedy granted to the user in any such case is the cessation of use of the site and/or service.
Minors, Israeli citizens: The service provided on the site is not intended for minors or those who are not Israeli citizens.
Changes, Updates and Waivers
1. The website operator reserves the right at any time to close the website and/or discontinue the service, as well as to update the content on the website and the terms of use without prior notice. Such updates will be binding on the user from the moment they are updated onwards. The date of the update of the terms of use can be seen at the top of them.
2. If any part of the Terms of Use is determined to be invalid or unenforceable by law, then the invalid or unenforceable provisions shall be deemed to have been replaced by valid and enforceable provisions whose content most closely matches the intent of the original provisions, and the remaining provisions of the Terms shall remain in full force and effect.
3. A waiver by the website operator, express or implied, of a right granted to him under the terms in a particular case shall not be construed as an equivalent ruling in any other case and shall not be considered a waiver of his rights.
Indemnification
Indemnity Without derogating from any other remedy granted to the Site Operator under any law and/or the Terms of Use, the Site Operator may prevent the User and/or block the ability to use the Site and/or the Service in the event of a violation of the Terms of Use (all or part). The User shall indemnify the Site Operator for any damage, loss, loss of profit, payment or expense incurred by the Site Operator and anyone on its behalf, including attorney’s fees and legal expenses, due to a violation of the Terms of Use.
Entire Agreement
Entire and Comprehensive Agreement The Terms of Use constitute the entire and complete agreement between the User and the Website Operator in relation to the Website and the Service. However, the Terms of Use are not applicable to any engagement and/or negotiation for engagement that will be made with third parties as a result thereof, including any document that will be transferred to the User as part of the engagement with a third party. These Terms of Use supersede any prior or other communication or proposal, whether in electronic format, or whether oral or written, that has passed between the User and the Website Operator in relation to the Website and/or the Service.
Assignment
The website operator may assign its rights and obligations under these Terms of Use, or any part thereof, to any third party as it deems appropriate and without any obligation on the part of the website operator to publish the assignment, as aforesaid, on the website.
Governing Law
The Halal Law of the Site, the Service and the Terms of Use shall be governed by and construed in accordance with the laws of the State of Israel. The exclusive place of jurisdiction in all matters relating to the Terms of Use and/or the Site shall be the competent courts in Tel Aviv-Yafo.