Terms of Service

1. Definitions

• "Website" refers to InsuranceUSAQuotes.com and all its pages
• "We," "us," "our" refers to InsuranceUSAQuotes.com
• "You," "your" refers to the website user or visitor
• "Content" refers to text, images, information, and materials on our website
• "Services" refers to the information and resources we provide

2. What We Are (and Are Not)

We ARE:

• An independent insurance information website
• A source of educational content about insurance
• A platform for insurance research and comparisons

We ARE NOT:

• ❌ An insurance company or agent
• ❌ A licensed insurance broker
• ❌ A financial advisor or consultant
• ❌ A legal advisor
• ❌ Authorized to sell insurance policies

3. Use of Website

3.1 Permitted Use

You may use our website to:

• Read and research insurance information
• Compare insurance options and carriers
• Learn about insurance products and requirements
• Access educational guides and articles

3.2 Prohibited Use

You may NOT:

• ❌ Copy, reproduce, or republish our content without permission
• ❌ Use automated systems (bots, scrapers) to access our website
• ❌ Attempt to hack, disrupt, or damage our website
• ❌ Use our website for illegal purposes
• ❌ Impersonate us or misrepresent your affiliation with us
• ❌ Transmit viruses, malware, or harmful code
• ❌ Violate any applicable laws or regulations

4. No Professional Advice

IMPORTANT: The information on our website is for educational purposes only and should not be considered:

• Legal advice
• Financial advice
• Insurance recommendations specific to your situation
• Professional consultation

Always consult with licensed insurance agents, financial advisors, or legal professionals for advice specific to your circumstances.

5. Accuracy of Information

5.1 Our Efforts

We make reasonable efforts to ensure our content is:

• Accurate and up-to-date
• Fact-checked and verified
• Based on authoritative sources

5.2 No Guarantees

However, we cannot guarantee that:

• All information is 100% accurate at all times
• Information applies to your specific situation
• Insurance rates or requirements haven't changed since publication
• Third-party links remain active and accurate

Insurance rates, policies, and regulations change frequently. Always verify current information with insurance providers.

6. Third-Party Links

Our website contains links to third-party websites (insurance companies, government agencies, etc.). We are NOT responsible for:

• Content on third-party websites
• Privacy practices of third-party sites
• Accuracy of information on external sites
• Products or services offered by third parties

Clicking external links is at your own risk. Please review the terms and privacy policies of any third-party websites.

7. Intellectual Property

7.1 Our Content

All content on InsuranceUSAQuotes.com, including text, graphics, logos, and software, is protected by copyright and intellectual property laws.

7.2 Limited License

You may:

• ✅ View and read content for personal, non-commercial use
• ✅ Print individual pages for personal reference
• ✅ Share links to our pages on social media

7.3 Restrictions

You may NOT:

• ❌ Reproduce entire articles without permission
• ❌ Republish our content on other websites
• ❌ Remove copyright notices or attributions
• ❌ Use our content for commercial purposes without license

8. Disclaimer of Warranties

Our website and content are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of information
• Uninterrupted or error-free operation

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, we shall not be liable for any:

• Direct, indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from use or inability to use our website
• Decisions made based on our content
• Errors, omissions, or inaccuracies in our content

Some jurisdictions do not allow limitation of liability, so this may not apply to you.

10. Indemnification

You agree to indemnify, defend, and hold harmless InsuranceUSAQuotes.com, its owners, employees, and affiliates from any claims, damages, losses, or expenses (including legal fees) arising from:

• Your use of our website
• Your violation of these Terms
• Your violation of any law or third-party rights

11. Advertising

Our website displays advertising through Google AdSense and similar networks. We do not control:

• Which ads are shown
• Content of advertisements
• Accuracy of advertised claims
• Products or services advertised

We are not responsible for advertiser content or actions. Interacting with ads is at your own risk.

12. Privacy

Your use of our website is also governed by our Privacy Policy. Please review it to understand how we collect and use information.

13. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the website after changes constitutes acceptance of the new Terms.

We will update the "Last Updated" date at the top of this page when changes are made.

14. Termination

We reserve the right to terminate or suspend your access to our website at any time, without notice, for:

• Violation of these Terms
• Suspected illegal activity
• Abuse or misuse of our website
• Any reason at our sole discretion

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of our website shall be resolved in the appropriate federal or state courts.

16. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and InsuranceUSAQuotes.com regarding your use of our website.

18. Contact Information

If you have questions about these Terms of Service: