Terms and conditions

Last modified: September 29, 2025

Welcome to TotalInsuranceGuide.com (the “Site”), operated by Total Insurance Guide LLC (“we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of the Site and any related services. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to all of these Terms, do not use the Site.

  1. Use of the Site
    1.1 Eligibility. You must be at least 18 years old and capable of forming a binding contract in your jurisdiction to use the Site.
    1.2 License. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, informational, and non-commercial purposes, subject to these Terms.
    1.3 Prohibited Conduct. You agree not to (a) copy, reproduce, distribute, or create derivative works of the Site or our Content except as permitted; (b) use the Site for any unlawful purpose; (c) interfere with or disrupt the Site or servers; (d) bypass any measures we may use to restrict access; or (e) harvest or collect personal data of other users.

  2. Content
    2.1 Informational Only. All Content on the Site, including articles, guides, tools, and resources, is provided for general informational purposes only and does not constitute professional, financial, legal, or insurance advice. You should consult a qualified professional before making any decisions.
    2.2 Accuracy. We strive to maintain accurate, up-to-date information, but we do not warrant that Content is complete, current, or error-free.
    2.3 Intellectual Property. All Site content, design, text, graphics, logos, and software are owned by or licensed to us and are protected by copyright, trademark, and other intellectual property laws. You may view and download Content for personal use only; any other use requires our written permission.

  3. User Contributions
    3.1 Submissions. By submitting any content (comments, forum posts, or other materials) to the Site, you grant us a perpetual, worldwide, royalty-free, transferable, sublicensable license to use, reproduce, modify, publish, and display that content in any form or media.
    3.2 Responsibility. You are solely responsible for any content you submit. You represent and warrant that you own or have all necessary rights to your submissions and that they do not infringe any third-party rights.

  4. Links to Third-Party Sites
    The Site may contain links to third-party websites or resources. We do not endorse and are not responsible for their availability, content, or practices. Your use of third-party sites is at your own risk.

  5. Disclaimer of Warranties
    THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

  6. Limitation of Liability
    TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE AND OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR AGGREGATE LIABILITY FOR DIRECT DAMAGES SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100).

  7. Indemnification
    You agree to indemnify, defend, and hold harmless Total Insurance Guide LLC and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising from your violation of these Terms or your use of the Site.

  8. Privacy
    Our Privacy Policy, available at /privacy, explains how we collect, use, and share your personal information. By using the Site, you agree to our Privacy Policy.

  9. Governing Law and Dispute Resolution
    These Terms and any disputes arising under them shall be governed by the laws of the State of Delaware, without regard to its conflict of law principles. Any legal action or proceeding shall be brought exclusively in the federal or state courts located in New Castle County, Delaware. You consent to personal jurisdiction and venue in those courts.

  10. Changes to Terms
    We may modify these Terms at any time by posting the revised version on the Site with an updated “Last Updated” date. Your continued use of the Site after such changes constitutes your acceptance of the new Terms.

  11. Contact Us
    For questions or concerns about these Terms, please contact us at:
    contact@totalinsuranceguide.com

Thank you for using TotalInsuranceGuide.com.