Terms of Use
Last updated: · Effective immediately
Important disclaimer
InsureCalc provides estimates for informational purposes only. Nothing on this site constitutes financial, legal, or insurance advice. Always consult a licensed insurance agent or financial advisor before purchasing any policy.
1. Acceptance of Terms
By accessing or using InsureCalc at YOUR-DOMAIN.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site. We reserve the right to update these terms at any time. Continued use of the Site after changes constitutes acceptance.
2. Nature of the Service
InsureCalc is a free online tool that provides insurance cost estimates and coverage calculations for informational purposes. The Site offers calculators covering life insurance needs, term vs whole life comparison, car insurance, home insurance, health insurance, renters insurance, income replacement, long-term care costs, life insurance payout analysis, and business liability insurance.
All calculations are estimates only. Actual insurance premiums, coverage amounts, and costs will vary based on your specific circumstances, the insurer you choose, underwriting decisions, and factors not captured by our calculators.
3. Not Professional Advice
InsureCalc is not a licensed insurance agency, financial advisor, or legal service. The content and calculations provided on this Site:
- Are for general informational and educational purposes only
- Do not constitute insurance, financial, legal, or tax advice
- Should not be relied upon as the sole basis for any insurance or financial decision
- Are not a substitute for consultation with a licensed insurance professional
Always verify information with a licensed insurance agent or financial advisor before purchasing any insurance product. State laws and individual underwriting factors significantly affect your actual premiums and eligibility.
4. Accuracy of Information
We make reasonable efforts to ensure the accuracy of our calculators and the benchmark data they use. However, InsureCalc makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information provided. Insurance rates, regulations, and industry benchmarks change frequently and may not be reflected in real time.
5. Permitted Use
InsureCalc grants you a limited, non-exclusive, non-transferable right to access and use the Site for personal, non-commercial informational purposes. You may not:
- Reproduce, distribute, or resell calculator results or Site content for commercial purposes without permission
- Scrape, crawl, or systematically extract data from the Site
- Reverse engineer or attempt to extract the source code for commercial use
- Use the Site in any way that violates applicable law
- Represent our estimates as official quotes or guaranteed premiums
6. Embed Feature
InsureCalc provides an embed feature allowing third-party websites to display our calculators via iframe. By using the embed code you agree that: (a) you will not modify the embed code to remove attribution; (b) you will not represent the embedded calculator as your own proprietary tool; (c) the "Powered by InsureCalc" attribution link must remain visible and functional.
7. Affiliate Links and Sponsored Content
InsureCalc displays sponsored affiliate links to third-party insurance providers. These are clearly marked as "Sponsored." We may receive compensation when you click affiliate links or purchase products through them. This compensation does not influence the calculator outputs, which are generated independently of any commercial relationships. We are not responsible for the products, services, or practices of affiliate partners.
8. Third-Party Advertising
The Site displays advertisements provided by Google AdSense and potentially other third-party advertising networks. We do not control the content of these advertisements and are not responsible for any products or services advertised. Third-party advertisers may use cookies subject to their own privacy policies.
9. Intellectual Property
The InsureCalc name, logo, design, calculator methodology, and original content are the intellectual property of YOUR-DOMAIN.com. The underlying insurance rate data and industry benchmarks used in our calculators are derived from publicly available sources including the National Association of Insurance Commissioners (NAIC) and industry publications. You may not copy, reproduce, or distribute our calculator code or unique methodology without written permission.
10. Disclaimer of Warranties
THE SITE AND ITS CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
11. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, INSURECALC AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE OR RELIANCE ON ITS CONTENT, INCLUDING BUT NOT LIMITED TO DECISIONS TO PURCHASE OR NOT PURCHASE INSURANCE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
12. Governing Law
These Terms of Use are governed by the laws of the United States. Any disputes arising from use of this Site shall be resolved in accordance with applicable federal and state law.
13. Contact
For questions about these Terms of Use, please contact us at: hello@YOUR-DOMAIN.com