Terms of Service

Last Updated: January 1, 2026

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. In addition, when using these specific services, you shall be subject to any posted guidelines or rules applicable to such services.

2. Insurance Quotes

All quotes generated by our online tools are estimates based on the information provided. Final premium rates are subject to verification and underwriting approval. The quotes do not constitute a contract or a binder of insurance coverage.

3. User Responsibilities

You agree to provide accurate and complete information when applying for insurance. Providing false or misleading information may result in the denial of claims or cancellation of your policy.

4. Claims Process

While we strive for instant claims processing via our AI tools, some claims may require manual review which takes up to 3 business days. We reserve the right to investigate any claim for fraud.

5. Governing Law

This Agreement governs your use of the Website and is subject to the laws of the State of New York. Any legal action or proceeding relating to your access to, or use of, the Website or Content shall be instituted in a state or federal court in New York.