Disclaimer

General Disclaimer

InsurTool ("Company," "we," "us," or "our") provides insurance calculators, educational content, and informational tools for consumers seeking to understand insurance products and estimate potential coverage costs. The information provided on our website and in our services is for general educational purposes only.

Not an Insurance Provider

InsurTool is not an insurance carrier, insurance agency, insurance broker, or other insurance provider. We do not issue insurance policies, bind insurance coverage, underwrite risks, or receive compensation for the sale of insurance products. No insurance application, quote, or policy is offered or made available through our website or services.

Not Financial or Legal Advice

The content and tools provided by InsurTool do not constitute financial advice, investment advice, tax advice, legal advice, or any other professional recommendation. You should not treat any of the Company's content as such. You should consult with a qualified insurance professional, financial advisor, tax advisor, or attorney before making any decisions related to insurance, financial planning, taxes, or legal matters.

Calculator Estimates

Our insurance calculators provide educational estimates based on general data and assumptions. These estimates are approximations only and may not reflect actual insurance rates, coverage amounts, or policy terms available in your specific situation. Actual insurance premiums, coverage limits, deductibles, and policy terms vary by insurer, state, and individual circumstances, including but not limited to:

• Your age, gender, marital status, and health
• Your driving record, claims history, and credit score
• Your location (state, city, zip code) and property specifics
• The specific insurance company's underwriting criteria and pricing
• State-specific insurance regulations and mandatory coverage requirements
• Market conditions, including reinsurance costs and catastrophe losses

Content Accuracy

We strive to provide accurate and up-to-date information on our website. However, insurance markets, regulations, and rates change frequently, and we cannot guarantee the accuracy, completeness, or timeliness of any information presented. You should verify all information with licensed insurance professionals and official government sources before making decisions.

Third-Party Links

Our website may contain links to third-party websites and resources. These third-party resources are provided for your convenience only. We have no control over the content, privacy practices, or availability of these third-party websites and resources. We do not endorse, approve, or assume responsibility for any third-party content or services.

No Warranty

THE INFORMATION AND SERVICES PROVIDED BY INSURTOOL ARE OFFERED "AS IS" WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INSURTOOL SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, OR ANY OTHER LOSSES ARISING OUT OF OR RELATED TO YOUR USE OF OUR WEBSITE OR SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Contact Us

If you have any questions about this disclaimer, please contact us at:

Email: [email protected]
Address: InsurTool, Legal Department