Please read these Terms of Service ("Terms") carefully before using the compareinsurancewise website and services. By accessing or using our website, you agree to be bound by these Terms.
1. Description of Service
compareinsurancewise, Inc. ("compareinsurancewise") operates an independent insurance comparison and consultation platform. Our service helps consumers compare insurance options from multiple providers and connects them with licensed insurance specialists.
compareinsurancewise is not an insurance company, insurance agent, or insurance broker. We do not sell, underwrite, or bind insurance policies. All insurance products are offered and sold by third-party insurance providers and licensed agents/brokers.
2. Eligibility
You must be at least 18 years of age and a resident of the United States to use our services. By using our website, you represent that you meet these requirements.
3. No Guarantee of Results
compareinsurancewise does not guarantee:
- That you will save money on insurance premiums.
- The availability of any specific insurance product or rate.
- The accuracy of preliminary quote estimates (final rates are determined by insurance providers).
- That you will qualify for any particular insurance product.
Insurance quotes provided through our service are estimates based on the information you provide and are subject to verification and change by the issuing insurance provider.
4. User Responsibilities
- Provide accurate and complete information when requesting quotes or consultations.
- Review all insurance policy documents, terms, and conditions before purchasing coverage.
- Make your own independent decision about which insurance product to purchase.
- Not use our service for any unlawful or prohibited purpose.
5. Consent to Contact
By submitting your information through our website, you consent to being contacted by compareinsurancewise and/or our partner insurance specialists via phone, email, or text message regarding your insurance inquiry. You may opt out of communications at any time by contacting us or following the unsubscribe instructions provided.
Standard message and data rates may apply for text messages. You are not required to consent to communications as a condition of purchasing any insurance product.
6. Compensation Disclosure
compareinsurancewise may receive compensation from insurance providers, agents, or brokers when a consumer obtains an insurance policy through our platform or referral. This compensation arrangement does not increase the cost of insurance to you and does not influence the order or presentation of quote comparisons.
7. Third-Party Services
Our website may contain links to or integrations with third-party websites, services, or insurance providers. compareinsurancewise is not responsible for the content, privacy practices, or services of any third party. Your interactions with third-party providers are governed by their respective terms and policies.
8. Intellectual Property
All content on the compareinsurancewise website, including text, graphics, logos, and software, is the property of compareinsurancewise, Inc. or its licensors and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without our written consent.
9. Disclaimer of Warranties
OUR SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. compareinsurancewise DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, compareinsurancewise SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR SERVICE, INCLUDING BUT NOT LIMITED TO DAMAGES RELATED TO INSURANCE COVERAGE DECISIONS, POLICY TERMS, OR CLAIMS.
11. Indemnification
You agree to indemnify and hold harmless compareinsurancewise, its officers, directors, employees, and agents from any claims, damages, or expenses arising from your use of our service or violation of these Terms.
12. Dispute Resolution
Any disputes arising from these Terms or your use of our service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, conducted in New York, New York. You agree to waive your right to a jury trial and to participate in class action lawsuits.
13. Governing Law
These Terms are governed by and construed in accordance with the laws of the State of New York, without regard to conflict of law principles.
14. Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of our service after changes constitutes acceptance of the revised Terms.
15. Contact
For questions about these Terms, contact us at legal@compareinsurancewise.com or 1-800-555-0199.