Terms and Conditions
Agreement to Terms
These Terms and Conditions ("Terms") govern your use of the Home Insure Connect website located at homesinsureconnect.com (the "Service").
By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, then you may not access the Service.
Description of Service
Home Insure Connect is an online platform that connects consumers with licensed insurance agents and companies to obtain home insurance quotes. We are not an insurance company, broker, or agent, but rather a marketing and comparison service.
Our services include:
- Connecting users with licensed home insurance agents
- Facilitating home insurance quote requests
- Providing educational content about home insurance
- Offering comparison tools and resources
User Eligibility and Responsibilities
Eligibility
You must be at least 18 years old and legally capable of entering into binding contracts to use our Service. By using our Service, you represent and warrant that you meet these requirements.
User Responsibilities
You agree to:
- Provide accurate, current, and complete information
- Maintain the security of your account information
- Use the Service only for lawful purposes
- Not interfere with or disrupt the Service
- Not attempt to gain unauthorized access to our systems
- Comply with all applicable laws and regulations
Information Accuracy and Quotes
You acknowledge that:
- Home insurance quotes are estimates and not binding offers
- Final rates and coverage terms are determined by insurance companies
- Quotes may vary based on additional information and underwriting
- We do not guarantee the availability or terms of any insurance policy
- You are responsible for reviewing and understanding any insurance policy before purchase
Third-Party Relationships
Our Service connects you with third party insurance agents and companies. We are not responsible for the actions, services, or policies of third party insurance providers, the accuracy of information provided by third parties, disputes between you and insurance providers, the quality or availability of insurance products, or claims handling or customer service provided by insurers.
Intellectual Property Rights
The Service and its original content, features, and functionality are and will remain the exclusive property of Home Insure Connect and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used without our prior written consent.
Prohibited Uses
You may not use our Service:
- For any unlawful purpose or to solicit others to perform unlawful acts
- To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
- To infringe upon or violate our intellectual property rights or the intellectual property rights of others
- To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
- To submit false or misleading information
- To upload or transmit viruses or any other type of malicious code
- To spam, phish, pharm, pretext, spider, crawl, or scrape
- For any obscene or immoral purpose
Disclaimers and Limitations of Liability
Service Disclaimer
Our Service is provided on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, regarding the use or results of the Service.
Limitation of Liability
In no event shall Home Insure Connect, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, punitive, consequential, or special damages arising from your use of the Service.
Indemnification
You agree to defend, indemnify, and hold harmless Home Insure Connect and its licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses, including reasonable attorney's fees.
Termination
We may terminate or suspend your access immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will cease immediately.
Governing Law
These Terms shall be interpreted and governed by the laws of the State of California, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.
Contact Information
If you have any questions about these Terms and Conditions, please contact us at info@homeinsureconnect.com.