Terms of Service

Terms of Service

Last updated: February 26, 2026

Welcome to InsuranceQuestions.com (the “Site”). These Terms of Service (“Terms”) govern your access to and use of our website. Please read these Terms carefully before using the Site.

By accessing or using InsuranceQuestions.com, you agree to be bound by these Terms and our Privacy Policy. If you disagree with any part of these Terms, you may not access the Site.

1. Intellectual Property Rights
The Site and its original content, features, Q&A databases, articles, and functionality are owned by InsuranceQuestions.com and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
You may not reproduce, distribute, modify, create derivative works of, publicly display, or scrape our content (manually or via automated bots) for commercial purposes without prior written consent from us.

2. Educational and Informational Use Only
As stated in our Disclaimer, all content on this Site is for informational purposes only. We do not provide licensed insurance advising, financial planning, or legal services. Your reliance on any information provided on the Site is solely at your own risk. Always consult a licensed professional in your specific jurisdiction before making insurance purchasing or claiming decisions.

3. User Contributions (Comments and Q&A)
Our Site may allow users to post comments, submit questions, or interact with content. If you post or submit material to the Site, you agree to the following rules:

  • You will not post content that is illegal, defamatory, abusive, harassing, or sexually explicit.
  • You will not post spam, malicious code, or unauthorized promotional material.
  • You grant InsuranceQuestions.com a non-exclusive, royalty-free, perpetual, and worldwide license to use, reproduce, publish, and modify your submitted questions/comments across our platforms.
  • We reserve the right (but not the obligation) to monitor, edit, or remove any user-generated content at our sole discretion, without notice.

4. Third-Party Links and Advertising
InsuranceQuestions.com may contain links to third-party web sites or services (including advertisers and affiliate partners) that are not owned or controlled by us.
We have no control over, and assume no responsibility for, the content, privacy policies, quoting processes, or practices of any third-party websites or services. You acknowledge and agree that InsuranceQuestions.com shall not be responsible or liable, directly or indirectly, for any damage or loss caused by your use of any third-party goods, services, or websites.

5. Disclaimer of Warranties
The Site is provided on an “AS IS” and “AS AVAILABLE” basis. InsuranceQuestions.com makes no representations or warranties of any kind, express or implied, as to the operation of the Site or the information, content, or materials included on the Site. We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses.

6. Limitation of Liability
In no event shall InsuranceQuestions.com, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, loss of insurance coverage, or other intangible losses, resulting from (i) your access to or use of or inability to access or use the Site; (ii) any conduct or content of any third party on the Site; and (iii) any unauthorized access, use, or alteration of your transmissions or content.

7. Termination
We may terminate or suspend your access to our Site immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

8. Governing Law
These Terms shall be governed and construed in accordance with the laws of the United States, without regard to its conflict of law provisions.

9. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. By continuing to access or use our Site after those revisions become effective, you agree to be bound by the revised terms.

10. Contact Us
If you have any questions about these Terms, please contact us at:
Email: [email protected]