1. Acceptance of Terms
By accessing or using InsuranceWhen (“insurancewhen.us”), you agree to be bound by these Terms of Use and all applicable federal and state laws. If you do not agree with any part of these Terms, you must discontinue use of this website immediately.
2. Nature of the Referral Service
Important Clarification: InsuranceWhen is a marketing and consumer connection platform. We are not an insurance company, underwriter, or licensed insurance agency. We do not issue insurance policies, make credit decisions, or establish insurance premiums.
When you submit an inquiry, we connect you with independent licensed insurance brokers, carriers, or authorized third-party matching services who assist you directly in evaluating coverage and securing quotes.
3. User Responsibilities and Representations
By using InsuranceWhen and submitting an inquiry, you represent and warrant that:
- You are at least 18 years of age and a legal resident of the United States.
- All information you submit is accurate, current, and truthful.
- You are seeking insurance for yourself, your immediate family, or a business entity you are authorized to represent.
- You will not submit duplicate spam entries or utilize automated bots.
4. Carrier Decisions, Rates, and Product Availability
Quotes, rates, coverage options, and policy terms presented by licensed insurance partners are determined entirely by those third parties based on their individual underwriting criteria, risk models, and your jurisdiction. InsuranceWhen does not guarantee that you will receive a quote, be approved for coverage, or qualify for specific rate tiers.
5. Intellectual Property Rights
All content, branding, trademarks, logos, texts, graphics, user interface designs, and code on InsuranceWhen are the proprietary property of InsuranceWhen and protected under United States and international copyright and trademark laws.
6. Disclaimer of Warranties
InsuranceWhen is provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, whether express, implied, statutory, or otherwise, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
7. Limitation of Liability
To the maximum extent permitted by applicable law, InsuranceWhen and its directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of this platform or your interactions with third-party insurance providers.
8. Dispute Resolution and Governing Law
These Terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising under these Terms shall be resolved through good-faith negotiation or binding arbitration in accordance with American Arbitration Association rules.