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⚠️ Template — fill in & have an attorney review before launch. Replace each {{TOKEN}}. Not legal advice.

Terms of Service

Effective Date: {{EFFECTIVE_DATE}}

1. Acceptance

By accessing or using this website (the "Site") operated by {{COMPANY_LEGAL_NAME}} ("we," "us," "our"), or by submitting a quote request, you agree to these Terms of Service and our Privacy Policy. If you do not agree, do not use the Site.

2. Nature of Services — Advertisement & Solicitation

This Site is an advertisement for insurance and a solicitation. {{COMPANY_LEGAL_NAME}} is a licensed insurance agency, not an insurance company. We help connect consumers with licensed insurance agents and carriers. We do not issue policies, bind coverage, or guarantee approval. Any quotes, figures, "coverage goals," or progress indicators shown are illustrative estimates only and do not constitute an offer of insurance, a policy, an application, or binding coverage.

2a. Not Affiliated With GoFundMe or Any Crowdfunding Platform

This advertisement and Site are not affiliated with, sponsored by, or endorsed by GoFundMe, Inc. or any crowdfunding or fundraising platform. "GoFundMe" is a registered trademark of GoFundMe, Inc. Any references or imagery are illustrative only and used to describe the problem this insurance helps avoid. This Site is not a fundraising or crowdfunding service.

3. No Coverage Until Issued

No insurance coverage is in force unless and until an application is submitted to and approved by a licensed insurer, the required premium is paid, and all policy-delivery requirements are completed. Eligibility, rates, benefits, and availability vary by state, age, health, tobacco use, and carrier, and are subject to underwriting. Any guarantees depend on the claims-paying ability of the issuing insurer. Do not cancel existing coverage until a new policy is issued and reviewed.

4. Consent to Contact

By submitting your information, you agree to be contacted as described in the consent disclosure presented at the point of submission and consistent with the Telephone Consumer Protection Act (TCPA). You may revoke consent at any time (reply STOP to texts) and consent is not a condition of purchase.

5. No Professional Advice

Content on the Site is general information, not legal, financial, tax, or insurance advice. Consult a licensed professional before making decisions.

6. Eligibility

You must be at least 18 years old and a U.S. resident to use the Site and submit information.

7. Intellectual Property; Third-Party Marks

All Site content is owned by {{COMPANY_LEGAL_NAME}} or its licensors. Any third-party names or marks referenced are the property of their respective owners; their use does not imply affiliation or endorsement.

8. Disclaimer of Warranties

The Site is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant the Site will be uninterrupted, error-free, or secure.

9. Limitation of Liability

To the maximum extent permitted by law, {{COMPANY_LEGAL_NAME}} and its agents will not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your use of the Site or any contact you receive. Our total liability will not exceed {{LIABILITY_CAP}} (or the minimum permitted by applicable law).

10. Indemnification

You agree to indemnify and hold harmless {{COMPANY_LEGAL_NAME}} from claims arising out of your use of the Site or violation of these Terms.

11. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of {{GOVERNING_STATE}}, without regard to conflict-of-laws rules. {{ARBITRATION_CLAUSE_OPTIONAL}}

12. Changes

We may update these Terms at any time; continued use after changes constitutes acceptance.

13. Contact

{{COMPANY_LEGAL_NAME}}  |  {{PRIVACY_EMAIL}}  |  {{PHONE}}  |  {{MAILING_ADDRESS}}

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