Terms of Service

Agreement to Terms

By accessing and using Insurance Guide ("we," "our," or "us"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service ("Terms") govern your use of our website located at insuranceguide.com (the "Service") operated by Insurance Guide.

Description of Service

Insurance Guide is an educational website that provides information, articles, and resources about various types of insurance. Our content is designed to help users understand insurance concepts, coverage options, and industry practices.

Important: We do not sell insurance products, provide personalized insurance advice, or act as insurance agents or brokers. Our content is for educational and informational purposes only.

Use License

Permission is granted to temporarily download one copy of the materials on Insurance Guide's website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display (commercial or non-commercial)
• Attempt to decompile or reverse engineer any software contained on the website
• Remove any copyright or other proprietary notations from the materials

This license shall automatically terminate if you violate any of these restrictions and may be terminated by us at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

Disclaimer

The information on this website is provided on an "as is" basis. To the fullest extent permitted by law, this Company:

• Excludes all representations and warranties relating to this website and its contents
• Does not warrant that the functions contained in the materials will be uninterrupted or error-free
• Does not warrant that defects will be corrected, or that this website or the server that makes it available are free of viruses or bugs
• Does not represent the full functionality, accuracy, reliability of the materials

No Insurance Advice: The content on this website is for educational purposes only and should not be considered as personalized insurance advice. Always consult with licensed insurance professionals for specific insurance needs and recommendations.

Limitations

In no event shall Insurance Guide or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Insurance Guide's website, even if Insurance Guide or an authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

Accuracy of Materials

The materials appearing on Insurance Guide's website could include technical, typographical, or photographic errors. Insurance Guide does not warrant that any of the materials on its website are accurate, complete, or current. Insurance Guide may make changes to the materials contained on its website at any time without notice. However, Insurance Guide does not make any commitment to update the materials.

Insurance laws and regulations vary by state and change frequently. While we strive to provide current and accurate information, you should always verify information with current sources and consult with licensed professionals.

Links

Insurance Guide has not reviewed all of the sites linked to our website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Insurance Guide of the site. Use of any such linked website is at the user's own risk.

User Content

If you submit content to our website (such as comments, questions, or feedback), you grant us a non-exclusive, royalty-free, perpetual, and worldwide license to use, modify, and display such content. You represent that:

• You own or have the necessary rights to the content you submit
• Your content does not violate any third-party rights
• Your content is not defamatory, obscene, or otherwise objectionable
• Your content does not contain viruses or malicious code

We reserve the right to remove any content that violates these terms or that we deem inappropriate.

Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.

Prohibited Uses

You may not use our Service:

• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code
• To collect or track the personal information of others
• To spam, phish, pharm, pretext, spider, crawl, or scrape
• For any obscene or immoral purpose
• To interfere with or circumvent the security features of the Service

Advertising

Our website may display advertisements from third parties, including Google AdSense. We are not responsible for the content of these advertisements or the practices of the advertisers. Clicking on advertisements may redirect you to third-party websites that are not under our control.

Modifications

Insurance Guide may revise these terms of service for its website at any time without notice. By using this website, you are agreeing to be bound by the then current version of these terms of service.

We will notify users of any material changes to these Terms by posting the updated Terms on our website and updating the "Last updated" date.

Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the United States and you irrevocably submit to the exclusive jurisdiction of the courts in that state or location.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the Terms will otherwise remain in full force and effect and enforceable.

Termination

We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will cease immediately.

Contact Information

If you have any questions about these Terms of Service, please contact us at: