Terms of Use — InsuranceQuoteToolkit

These Terms of Use govern your access to and use of InsuranceQuoteToolkit.com (the 'Site'), operated by Relationale LLC. By accessing or continuing to use the Site, you acknowledge that you have read, understood, and agreed to these Terms. If you do not agree, do not use the Site.

Educational platform

The Site is an educational comparison and planning platform. It is not an insurance company, agency, brokerage, producer, adjuster, financial advisory firm, or law firm. All calculators, comparisons, scores, reports, articles, and AI-generated summaries are provided for educational and informational purposes only.

No professional advice

Nothing on the Site constitutes insurance, legal, tax, accounting, or financial advice. Neither Relationale LLC nor Keiron Brown is acting as an insurance producer, broker, agent, attorney, financial advisor, or tax advisor. Always consult appropriately licensed professionals in your state before purchasing, modifying, canceling, or replacing insurance coverage.

No guarantees

We do not warrant that any estimate, score, comparison, ranking, or article is accurate, complete, current, or suitable for your situation. Insurance products vary by carrier, state, underwriting, eligibility, exclusions, endorsements, deductibles, and policy language. Actual premiums and coverage may differ significantly from figures displayed on the Site.

User responsibility

You are solely responsible for the decisions you make. You agree to verify any information independently with a licensed professional and the insurer of your choice before acting on it.

Independent verification

Before purchasing, modifying, canceling, or replacing coverage, obtain a written quote from a licensed insurer or producer in your state and review the actual policy contract.

Assumption of risk

You assume all risk associated with relying on educational content from the Site, including the risk of coverage gaps, premium increases, denied claims, and uninsured loss.

Limitation of liability

To the maximum extent permitted by law, Relationale LLC, Keiron Brown, and contributors are not liable for any direct, indirect, incidental, special, consequential, exemplary, or punitive damages arising from your use of the Site. Where liability cannot be excluded, total aggregate liability is limited to US$100. See our Limitation of Liability page for details.

Indemnification

You agree to indemnify, defend, and hold harmless Relationale LLC, Keiron Brown, and their officers, employees, contractors, and contributors from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your violation of any third-party right.

Third-party information

The Site links to and references third-party sources, tools, and advertisements. We do not control and are not responsible for the accuracy, content, or practices of third parties.

Affiliate relationships

We may earn revenue from advertising and affiliate links, as described in our Affiliate Disclosure. Editorial decisions remain independent of advertiser influence.

AI content disclosure

Some content on the Site is generated or assisted by artificial-intelligence systems and then reviewed by editors. AI-generated content is educational only and may contain errors, omissions, or out-of-date information.

Intellectual property

All content is owned by Relationale LLC or used with permission. You may link to and quote modest portions of the Site with attribution. Wholesale reproduction, scraping, or republication is prohibited.

Prohibited conduct

You will not (a) misuse the Site or interfere with its operation; (b) attempt unauthorized access; (c) use automated means to harvest content; or (d) use the Site to violate any law.

Governing law

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws principles.

Dispute resolution

Any dispute arising out of or relating to these Terms or your use of the Site will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, seated in Delaware. You and Relationale LLC each waive any right to a jury trial and to participate in a class action. Either party may bring an individual claim in small-claims court where eligible.

Severability

If any provision of these Terms is held unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will continue in full force and effect.

Entire agreement

These Terms, together with the Privacy Policy, Disclaimer, Insurance Information Disclaimer, Calculator Accuracy Disclaimer, Risk Disclosure Statement, Affiliate Disclosure, Editorial Policy, and Accessibility Statement, constitute the entire agreement between you and Relationale LLC regarding the Site and supersede any prior agreements.

Changes

We may update these Terms at any time. The 'Last updated' date above reflects the most recent revision. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

Contact

Questions about these Terms: legal@insurancequotetoolkit.com.

InsuranceQuoteToolkit.com is an educational comparison and planning platform operated by Relationale LLC. It is not an insurance company, agency, brokerage, producer, adjuster, financial advisory firm, or law firm. Neither Relationale LLC nor Keiron Brown acts as an insurance producer, broker, agent, attorney, financial advisor, or tax advisor. Consult appropriately licensed professionals in your state before purchasing, modifying, canceling, or replacing coverage.