Disclaimer
Last Updated: January 2026
1. General Information
InsurTool ("we", "us", "our") provides insurance calculators, glossary terms, and informational content for educational purposes only. The information provided on this website is not intended to be a substitute for professional advice, consultation, or service.
2. Calculator Results
The insurance calculators on this website are designed to provide estimates only. The actual cost of insurance may vary significantly from the calculated results due to various factors including but not limited to:
- Individual insurance company underwriting guidelines
- Specific details of your situation not accounted for in the calculator
- Changes in insurance rates and regulations
- Discounts and special offers available from insurance providers
- Credit history and claims history
We make no guarantees regarding the accuracy, completeness, or reliability of the calculator results.
3. Not Insurance Advice
InsurTool is not an insurance agency, broker, or licensed insurance professional. The content on this website should not be considered as insurance advice, recommendation, or endorsement of any specific insurance product or provider.
For personalized insurance advice and quotes, you should consult with a licensed insurance agent or broker in your state or province.
4. No Warranty
THE CONTENT ON THIS WEBSITE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
5. Limitation of Liability
IN NO EVENT SHALL InsurTool BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL DAMAGES (INCLUDING, BUT NOT LIMITED TO, PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES; LOSS OF USE, DATA, OR PROFITS; OR BUSINESS INTERRUPTION) HOWEVER CAUSED AND ON ANY THEORY OF LIABILITY, WHETHER IN CONTRACT, STRICT LIABILITY, OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE) ARISING IN ANY WAY OUT OF THE USE OF THIS WEBSITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGE.
6. Accuracy of Information
While we strive to keep the information on this website accurate and up-to-date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose.
7. Changes to Disclaimer
We reserve the right to modify this disclaimer at any time without prior notice. Your continued use of this website after any changes constitutes your acceptance of the updated disclaimer.
8. Governing Law
This disclaimer shall be governed by and construed in accordance with the laws of the State of California, USA, without regard to its conflict of law provisions.
9. Contact Information
If you have any questions about this disclaimer, please contact us at support@InsurTool.com.