Please read these Terms & Conditions carefully before using this website. By accessing or using the InsureWise website, you acknowledge that you have read, understood, and agree to be bound by these terms to the extent permitted by applicable law.
Definitions
For purposes of these Terms & Conditions, the following terms are used as described below.
Acceptance of These Terms
By accessing or using the Website, you agree to comply with these Terms & Conditions and any other applicable policies published on the Website.
If you do not agree with these Terms & Conditions, you should discontinue use of the Website.
These Terms govern use of the Website. Additional terms may apply to specific services, transactions, insurance products, or agreements entered into separately.
Website Use
You may use the Website for lawful personal, informational, and legitimate business purposes.
You agree not to use the Website in a manner that could damage, disable, overburden, interfere with, or impair the Website or its availability to other users.
- You must provide accurate information when submitting information through Website forms.
- You must not knowingly submit fraudulent, misleading, or deceptive information.
- You must not attempt to gain unauthorized access to restricted portions of the Website.
- You must not use automated systems to abuse, disrupt, scrape, overload, or interfere with the Website except where expressly permitted.
Website Content
The Website may contain general information regarding insurance products, coverage concepts, services, educational materials, and other related subjects.
Website content is provided for general informational purposes and may not contain every term, condition, limitation, exclusion, eligibility requirement, or underwriting consideration that may apply to a specific insurance product.
Information may be changed, corrected, updated, or removed without prior notice.
Insurance Information & Coverage
Information presented on the Website is not intended to replace the actual insurance policy, certificate, contract, declarations, endorsements, or other official documents applicable to a particular insurance product.
Policy documents control coverage.
Actual coverage, premiums, limits, exclusions, deductibles, eligibility requirements, underwriting decisions, effective dates, cancellation provisions, and other conditions are determined by the applicable insurance policy and the relevant insurer or provider.
A request for information, quotation, consultation, or contact through the Website does not by itself guarantee that insurance coverage will be issued.
Inquiries & Communications
When you submit a form, request information, contact InsureWise, or otherwise communicate through the Website, you understand that your information may be used to respond to your inquiry and provide relevant information regarding the requested service.
Submitting an inquiry does not create an insurance contract, guarantee coverage, or establish a binding commitment unless separately confirmed through the applicable contractual process.
Accuracy of Information Provided by Users
You are responsible for ensuring that information you submit through the Website is accurate, complete, and current to the best of your knowledge.
Inaccurate, incomplete, outdated, or misleading information may affect the ability to respond to an inquiry or evaluate available insurance options.
You should promptly notify the appropriate party if information previously submitted needs to be corrected.
Prohibited Activities
Users may not use the Website for activities that violate applicable law or interfere with the Website, its security, or other users.
Unauthorized Access
Attempting to access systems, accounts, databases, administrative areas, or information without authorization is prohibited.
Misuse
Using the Website to distribute malicious code, harmful content, spam, or deceptive material is prohibited.
Fraudulent Activity
Users may not use the Website to submit intentionally false information or facilitate fraudulent activity.
Interference
Attempts to disrupt Website functionality, availability, performance, or security are prohibited.
Intellectual Property
Unless otherwise indicated, Website content including text, graphics, layouts, branding elements, visual materials, design elements, and other original content may be owned by or licensed to Power Deals LLC or its respective rights holders.
You may not reproduce, distribute, modify, publish, publicly display, commercially exploit, or create derivative works from protected Website content without appropriate authorization.
Nothing in these Terms transfers ownership or intellectual property rights to you.
Third-Party Websites & Services
The Website may contain links to websites, services, resources, or platforms operated by third parties.
Third-party websites operate under their own terms, privacy policies, and practices. Power Deals LLC does not control every external website or service that may be accessible through the Website.
You should review the applicable terms and privacy practices of third-party services before providing information or completing a transaction with them.
Privacy
Your use of the Website may involve the collection and processing of personal information as described in the applicable InsureWise Privacy Policy.
By using the Website, you acknowledge that information may be collected, used, disclosed, retained, and otherwise processed in accordance with the applicable privacy disclosures.
The Privacy Policy should be reviewed together with these Terms & Conditions because it explains how information submitted through the Website may be handled.
Website Availability & Changes
We may modify, update, suspend, restrict, or discontinue portions of the Website at any time, subject to applicable law.
We do not guarantee that the Website will always be available, uninterrupted, error-free, secure, or free from harmful components.
Website maintenance, technical issues, network failures, third-party services, and other circumstances may affect availability.
Disclaimers
To the maximum extent permitted by applicable law, Website content and functionality are provided on an “as available” and “as is” basis, subject to applicable legal requirements.
Information on the Website should not be understood as a guarantee that a particular insurance product, coverage amount, premium, insurer, eligibility decision, claim outcome, or policy term will be available to you.
Insurance decisions may depend on information not available through the Website, including underwriting criteria, risk information, applicable regulations, policy terms, and information provided during the application process.
Limitation of Liability
To the maximum extent permitted by applicable law, Power Deals LLC and InsureWise will not be responsible for losses arising from use of, or inability to use, the Website to the extent such limitation is permitted by applicable law.
This may include indirect, incidental, consequential, special, or other damages associated with Website use, interruptions, third-party services, or reliance on general Website information, subject to any rights or remedies that cannot legally be excluded or limited.
Nothing in these Terms excludes rights that cannot legally be excluded.
Any limitation or exclusion in these Terms applies only to the extent permitted under applicable law.
Changes to These Terms
These Terms & Conditions may be updated from time to time to reflect changes to the Website, services, applicable requirements, or business practices.
When changes are made, the updated version may be posted on this page with a revised effective or update date.
Your continued use of the Website after updated terms are made available may constitute acceptance of the revised Terms to the extent permitted by applicable law.
Contact & Questions
If you have questions regarding these Terms & Conditions, Website use, or the information presented by InsureWise, you can contact the company through the official Contact Us page.
Need clarification?
Contact InsureWise through the official contact page if you have questions about these Terms & Conditions or how the Website works.
CONTACT US