Effective Date: 01/01/25
Last Updated: 03/05/25
Welcome to InsuranceAnswered.com (“Website,” “we,” “us,” or “our”). By accessing or using this Website, you agree to be bound by these Terms of Service (“Terms”). If you do not agree, please do not use this Website.
1. Use of the Website
By using InsuranceAnswered.com, you agree that:
✅ You are at least 18 years old or have parental/guardian permission.
✅ You will not misuse or attempt to disrupt the Website.
✅ You understand that content is for informational purposes only and should not be considered legal, financial, or professional advice.
2. No Professional or Financial Advice
The content on InsuranceAnswered.com is for informational and educational purposes only. While we strive for accuracy, we do not provide professional, legal, insurance, or financial advice.
Before making any insurance decisions, you should consult with a licensed insurance professional. We are not responsible for any financial decisions made based on the information provided on this Website.
3. Affiliate Disclosure & Third-Party Links
InsuranceAnswered.com may contain affiliate links that allow us to earn commissions when users click on them or make a purchase/sign up for a service. These commissions help support the Website at no extra cost to you.
Additionally, we may provide links to third-party websites for reference. However, we do not control these third-party sites, and we are not responsible for their content, accuracy, or privacy practices.
4. User Responsibilities & Acceptable Use
When using InsuranceAnswered.com, you agree:
✔ Not to engage in any activity that could harm or interfere with the Website’s functionality.
✔ Not to copy, distribute, or modify content without our written permission.
✔ Not to engage in spam, phishing, hacking, or any unlawful activities while using the Website.
We reserve the right to restrict or terminate access to users who violate these Terms.
5. Intellectual Property Rights
All content on InsuranceAnswered.com, including text, images, logos, and graphics, is owned by us or used with permission and is protected under copyright and intellectual property laws.
You may not:
❌ Copy, reproduce, or distribute content without written consent.
❌ Use our branding, name, or logo without permission.
You may:
✔ Share our content via social media with proper attribution.
✔ Link back to our articles for informational purposes.
6. Disclaimer of Warranties
InsuranceAnswered.com is provided “as is” and “as available” without warranties of any kind, either express or implied.
We do not guarantee that:
The Website will be error-free or uninterrupted.
Information will always be up-to-date, complete, or accurate.
Third-party links will remain available or relevant.
By using this Website, you acknowledge that any reliance on the information provided is at your own risk.
7. Limitation of Liability
To the maximum extent permitted by law, InsuranceAnswered.com and its owners, affiliates, and contributors will not be liable for:
❌ Any direct, indirect, incidental, or consequential damages related to your use of this Website.
❌ Any loss of data, profits, or business interruptions resulting from website use or errors.
If you are dissatisfied with InsuranceAnswered.com, your sole remedy is to stop using the site.
8. Privacy Policy & Data Collection
Your use of this Website is also governed by our Privacy Policy, which explains how we collect, use, and protect your data. By using this Website, you agree to the terms of the Privacy Policy.
9. Changes to These Terms
We reserve the right to update or modify these Terms at any time. Changes take effect immediately upon posting.
Continued use of the Website after changes means you accept the revised Terms.
10. Governing Law & Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the United States and the state of [Insert State], without regard to conflicts of law principles.
Dispute Resolution: Any disputes must be resolved through arbitration in [Insert State], unless otherwise required by law.
11. Contact Information
If you have any questions about these Terms, contact us at:
Website: InsuranceAnswered.com/contact