Welcome to insuranceresourcehub.com. These Terms and Conditions ("Terms") govern your access to and use of the website insuranceresourcehub.com and the services provided by Insurance Resource Hub ("Company," "we," "us," or "our"). By accessing or using our website or Services, you agree to be bound by these Terms. If you do not agree, please do not use our Services.
Section 1 — Informational Services Only
Insurance Resource Hub provides general information and educational content about insurance products, coverage types, and related topics. We are not a licensed insurance broker, agent, or carrier. We do not sell insurance policies, provide insurance quotes with binding authority, or give legal or financial advice. Information on this website is for educational purposes only. Always consult with a licensed insurance professional before purchasing any insurance product.
Section 2 — Eligibility
By using our Services, you represent that you are at least 18 years of age and legally capable of entering into a binding agreement. Our Services are intended for residents of the United States only.
Section 3 — Accuracy of Information
We strive to provide accurate and current insurance information. However, insurance regulations, coverage requirements, and product offerings vary by state and change frequently. We make no warranties or representations regarding the accuracy, completeness, or timeliness of information on insuranceresourcehub.com. Always verify information with a licensed insurance professional or carrier in your state.
Section 4 — Use of the Website
You agree to use insuranceresourcehub.com only for lawful purposes and in a manner consistent with these Terms. You agree not to:
- Use the website to transmit harmful, offensive, or unlawful content
- Attempt to gain unauthorized access to any portion of the website or its systems
- Use automated tools, bots, or scrapers to extract content from the website
- Interfere with the operation or security of the website
- Impersonate any person, insurance company, or entity in connection with the Services
Section 5 — Intellectual Property
All content on insuranceresourcehub.com, including text, graphics, logos, and design elements, is the property of Insurance Resource Hub or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without prior written permission.
Section 6 — Third-Party Services and Links
Our website may contain links to third-party websites, insurance carriers, or external resources. These links are provided for informational convenience only. We do not endorse, control, or assume responsibility for the content, privacy practices, or terms of any third-party site. Your interactions with third parties are solely between you and that party.
Section 7 — Privacy
Your use of our Services is also governed by our Privacy Policy, available at insuranceresourcehub.com/privacy. By using the Services, you consent to the collection and use of your information as described therein.
Section 8 — Disclaimer of Warranties
THE SERVICES AND ALL CONTENT ON INSURANCERESOURCEHUB.COM ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
Section 9 — Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, INSURANCE RESOURCE HUB SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00).
Section 10 — Indemnification
You agree to indemnify, defend, and hold harmless Insurance Resource Hub and its officers, directors, employees, and agents from any claims, liabilities, damages, and expenses (including reasonable attorneys' fees) arising out of your use of the Services, your violation of these Terms, or your violation of any rights of another party.
Section 11 — Changes to Terms
We reserve the right to modify these Terms at any time. Updated Terms will be posted to insuranceresourcehub.com with a revised "Last Updated" date. Your continued use of the Services following any changes constitutes your acceptance of the updated Terms.
Section 12 — Contact Information
If you have questions about these Terms, please contact us:
- Email: support@insuranceresourcehub.com
- Phone: (302) 262-5018
- Mail: Insurance Resource Hub, 74 E Glenwood Ave, Unit #5752, Smyrna, DE 19977
Section 13 — Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in Delaware.