insuremia

Terms of use

Last Updated: February 11, 2026

  1. ACCEPTANCE OF TERMS By accessing, browsing, or using this website (the “Site”), you (“User,” “you,” or “your”) acknowledge that you have read, understood, and agree to be bound by these Terms of Use (“Terms”), as well as our Privacy Policy. If you do not agree to these Terms, you must immediately discontinue use of the Site. The Site reserves the right to modify these Terms at any time without prior notice. Your continued use of the Site following any changes constitutes acceptance of those changes.
  2. NON-BROKER/AGENCY DISCLAIMER THIS WEBSITE IS NOT A LICENSED INSURANCE BROKER, AGENT, AGENCY, OR INSURANCE CARRIER.

The Site does not:

  • Issue, underwrite, or bind insurance policies
  • Provide insurance quotes that constitute binding offers
  • Act as an intermediary in insurance transactions
  • Hold any insurance licenses or authority to sell insurance products

We operate solely as an informational platform and lead generation service. Any insurance-related transaction occurs directly between you and the licensed insurance provider you choose to engage with. We are not responsible for any policy terms, coverage decisions, claims handling, or other insurance-related matters.

  1. INFORMATIONAL PURPOSES ONLY All content provided on this Site, including but not limited to articles, guides, comparisons, reviews, educational materials, rate estimates, and coverage descriptions, is provided for general informational and educational purposes only. This content does not constitute:
  • Professional insurance advice
  • Financial advice or financial planning recommendations
  • Legal counsel or legal opinion
  • Personalized recommendations specific to your individual circumstances

You should not rely solely on information from this Site to make insurance purchasing decisions. We strongly recommend that you consult with licensed insurance professionals before purchasing any insurance product and verify all coverage details, exclusions, and limitations directly with the insurer.

  1. LEAD GENERATION & EXPRESS CONSENT TO CONTACT 4.1 Lead Generation Service: This Site operates as a lead generation platform. When you submit a quote request form, inquiry, or provide your contact information, you are requesting to be connected with third-party insurance providers, brokers, agents, or related service providers (“Insurance Partners”).

4.2 Express Written Consent: By submitting any form containing your contact information on this Site, you provide your express written consent to be contacted by the Site, our Insurance Partners, and their authorized representatives regarding insurance products via telephone calls (including automated dialing systems and prerecorded messages), text messages (SMS), and email.

4.3 Do Not Call Registry Override: You expressly consent to be contacted even if your telephone number is registered on any federal, state, or corporate Do Not Call registry or list. This consent remains valid until you explicitly revoke it.

4.4 No Obligation: Your consent to be contacted does not obligate you to purchase any insurance product or service.

  1. AFFILIATE & ADVERTISING DISCLOSURE 5.1 Compensation Disclosure: This Site operates on a revenue model that includes lead generation fees and affiliate marketing commissions. We receive financial compensation from insurance companies, brokers, and advertisers for leads, clicks, and referrals.

5.2 Impact on Content: Our compensation structure may influence which products, services, or providers are featured, reviewed, or recommended on the Site. Insurance Partners who pay higher compensation may receive more prominent placement.

5.3 Editorial Independence: We strive to provide accurate, balanced information. However, you should understand that our business relationships may create potential conflicts of interest.

  1. ACCURACY OF DATA & NO GUARANTEE 6.1 Dynamic Nature of Information: Insurance rates, policy terms, and provider offerings change frequently. We make no representations or warranties regarding the accuracy, completeness, or currency of any insurance quotes or coverage descriptions displayed.

6.2 Verification Required: All insurance quotes, rates, and terms displayed are estimates or examples only and are subject to underwriting approval by the insurance carrier. You must verify all information directly with the relevant Insurance Partner.

  1. LIMITATION OF LIABILITY 7.1 Use at Your Own Risk: Your use of this Site is entirely at your own risk. THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

7.2 Disclaimer of Liability: The Site owner, operators, employees, and affiliates shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use or inability to use the Site, or any insurance policy you purchase or fail to purchase based on information from the Site.

7.3 Maximum Liability Cap: In no event shall the total aggregate liability of the Site Parties to you exceed the amount paid by you, if any, for accessing the Site, or One Hundred Dollars ($100.00), whichever is less.

  1. THIRD-PARTY TRANSACTIONS All Insurance Partners are independent third parties. Any insurance policy or service you obtain creates a direct contractual relationship solely between you and that Insurance Partner. We are not a party to any such contract and have no obligation to resolve disputes between you and any Insurance Partner.
  2. USER OBLIGATIONS You agree to provide accurate information, not use the Site for unlawful purposes, not interfere with the operation of the Site, and not use automated systems (bots, scrapers) to access the Site without written permission.
  3. INTELLECTUAL PROPERTY All content on this Site, including text, graphics, logos, and software, is the property of the Site owner or its content suppliers and is protected by intellectual property laws. You may not reproduce or distribute any Site content without express written permission.
  4. LINKS TO THIRD-PARTY WEBSITES The Site may contain links to third-party websites. These links are provided for convenience only. We do not control or endorse third-party websites and assume no responsibility for their content or practices.
  5. INDEMNIFICATION You agree to indemnify and hold harmless the Site Parties from any and all claims, damages, or expenses (including attorneys’ fees) arising from your use of the Site, your violation of these Terms, or your violation of any third-party rights.
  6. PRIVACY POLICY Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, share, and protect your personal information.
  7. DISPUTE RESOLUTION & GOVERNING LAW 14.1 Governing Law: These Terms shall be governed by and construed in accordance with the laws of [Insert Your State], without regard to its conflict of law provisions.

14.2 Jurisdiction and Venue: Any dispute arising out of or relating to these Terms shall be resolved exclusively in the state or federal courts located in [Insert Your County, State].

14.3 Mandatory Binding Arbitration and Class Action Waiver: Any dispute, claim, or controversy arising out of or relating to these Terms or the breach thereof shall be determined by binding arbitration in [Insert Your City/State] before one arbitrator. The arbitration shall be administered by JAMS (or the American Arbitration Association). YOU AND THE SITE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

  1. SEVERABILITY If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
  2. ENTIRE AGREEMENT These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Site regarding your use of the Site.
  3. CONTACT INFORMATION If you have any questions about these Terms of Use, please contact us at: contact@insuremia.com