Terms of Service

1. Acceptance of Terms

Welcome to Insurance Coverage Services. By accessing or using our website, mobile applications, and services (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Services.

These Terms constitute a legally binding agreement between you and Insurance Coverage Services regarding your use of the Services.

2. Description of Services

Insurance Coverage Services is an insurance brokerage platform that connects consumers with insurance providers. Our Services include:

• Insurance quote comparison tools
• Information about various insurance products
• Application processing services
• Customer support and consultation
• Policy management tools

We are an insurance broker, not an insurance company. Actual insurance coverage is provided by third-party insurance carriers.

3. Eligibility

By using our Services, you represent and warrant that:

• You are at least 18 years of age
• You have the legal capacity to enter into binding contracts
• You are a resident of the United States
• All information you provide is accurate and complete
• You will comply with all applicable laws and regulations

4. User Accounts and Responsibilities

When you create an account with us, you must maintain the confidentiality of your account credentials. You are responsible for:

• All activities that occur under your account
• Immediately notifying us of any unauthorized use
• Ensuring your account information is current and accurate
• Logging out of your account at the end of each session

We reserve the right to terminate accounts that violate these Terms.

5. Insurance Quotes and Applications

When requesting insurance quotes or submitting applications through our Services:

• Quotes are estimates based on the information you provide
• Final rates are determined by insurance carriers after underwriting
• You authorize us to share your information with insurance providers
• We may receive commissions from insurance carriers for policies sold
• We do not guarantee that any insurance carrier will offer you coverage

6. Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Insurance Coverage Services or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks without written consent
• Attempt to reverse engineer our software or systems
• Scrape or harvest data from our website

7. Prohibited Activities

You agree not to engage in any of the following prohibited activities:

• Providing false or misleading information
• Using the Services for fraudulent purposes
• Attempting to breach security measures
• Interfering with other users' access to the Services
• Using automated systems to access the Services
• Transmitting viruses or malicious code

8. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM:

• Implied warranties of merchantability and fitness for a particular purpose
• Warranties that the Services will be uninterrupted or error-free
• Warranties regarding the accuracy of insurance quotes
• Warranties that the Services will meet your specific requirements

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Insurance Coverage Services SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from your use or inability to use the Services
• Damages exceeding the amount you paid to us in the past 12 months

This limitation applies regardless of the theory of liability (contract, tort, negligence, or otherwise).

10. Indemnification

You agree to indemnify, defend, and hold harmless Insurance Coverage Services and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the Services, violation of these Terms, or violation of any rights of a third party.

11. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Alaska, without regard to conflict of law principles.

Any dispute arising from these Terms shall first be attempted to be resolved through good faith negotiation. If unresolved, disputes shall be submitted to binding arbitration in Anchorage, Alaska, in accordance with the rules of the American Arbitration Association.

12. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website with a revised effective date. Your continued use of the Services after such changes constitutes acceptance of the updated Terms.

13. Termination

We may terminate or suspend your access to the Services immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason at our sole discretion.

14. Contact Information

If you have questions about these Terms, please contact us: