Terms & Conditions

Effective Date: January 2025

1. Agreement to Terms

By accessing or using ThePolicy's website and services ("Services"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, please do not use our Services.

2. Description of Services

ThePolicy is an insurance provider aggregator that connects users with insurance companies and brokers. We provide:

• Comparison tools for insurance quotes
• Educational information about insurance products
• Referrals to third-party insurance providers

Important: ThePolicy is not an insurance company and does not underwrite or issue insurance policies.

3. Use of Services

3.1 Eligibility

You must be at least 18 years old and legally capable of entering into contracts to use our Services.

3.2 Accuracy of Information

You agree to provide accurate, current, and complete information when using our Services. Providing false information may result in inability to obtain accurate quotes or insurance coverage.

3.3 Prohibited Uses

You agree not to:

• Use the Services for any unlawful purpose
• Attempt to interfere with the proper functioning of the Services
• Use automated systems to access the Services without our permission
• Impersonate any person or entity
• Collect or harvest user data without authorization

4. Third-Party Services and Links

Our Services may contain links to third-party insurance providers and other websites. We are not responsible for:

• The content, accuracy, or opinions expressed on third-party websites
• Insurance policies purchased through third-party providers
• Services provided by third parties

Your interactions with third-party providers are governed by their own terms and privacy policies.

5. Intellectual Property

All content on our website, including text, graphics, logos, and software, is the property of ThePolicy or its licensors and is protected by intellectual property laws. You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks without written consent
• Remove any copyright or proprietary notices

6. Disclaimers

6.1 No Insurance Advice

The information provided on our website is for general informational purposes only and should not be considered as insurance advice. Always consult with qualified insurance professionals for advice specific to your situation.

6.2 No Warranty

Our Services 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.

6.3 Quote Accuracy

Insurance quotes displayed are estimates based on the information provided. Actual rates may vary based on additional factors and final underwriting by insurance providers.

7. Limitation of Liability

To the fullest extent permitted by law, ThePolicy shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or revenue
• Loss of data or information
• Business interruption
• Personal injury or property damage

Our total liability for any claim arising from these Terms or your use of the Services shall not exceed $100.

8. Indemnification

You agree to indemnify and hold harmless ThePolicy, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of the Services
• Your violation of these Terms
• Your violation of any rights of another party
• Your provision of false or misleading information

9. Privacy

Your use of our Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

10. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the Services after changes constitutes acceptance of the modified Terms.

11. Governing Law and Jurisdiction

These Terms shall be governed by the laws of the State of Delaware, USA, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts located in Delaware.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

13. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and ThePolicy regarding the use of our Services.

14. Contact Information

If you have any questions about these Terms & Conditions, please contact us at:

ThePolicy
USA
Email: [email protected]
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