Disclaimer

1. General Disclaimer

AI Insure Advisor is an insurance comparison service that connects consumers with insurance providers and agents. We are not an insurance company, insurance agent, or insurance broker. We do not underwrite, sell, or provide insurance policies directly.

The information provided on this website is for general informational purposes only and should not be considered as professional insurance advice. We make no representations or warranties about the accuracy, completeness, or suitability of any information on this website.

2. Insurance Quotes and Information

Quote Accuracy: Insurance quotes provided through our platform are estimates based on the information you provide. Actual premiums may vary based on:

• Underwriting criteria of individual insurance companies
• Additional information required during the application process
• Changes in your personal circumstances
• Market conditions and regulatory changes
• Credit checks and other verification processes

No Guarantee of Coverage: We do not guarantee that you will be approved for insurance coverage or that you will receive the quoted premium. Final terms and conditions are determined by the insurance provider.

3. Third-Party Services and Partners

We work with various insurance providers, agents, brokers, and third-party platforms including EverQuote. We are not responsible for:

• The quality, accuracy, or availability of third-party services
• Third-party privacy practices or data handling
• Insurance policies, terms, or coverage provided by third parties
• Claims processing or customer service provided by insurance companies
• Changes in third-party terms, conditions, or pricing

4. AI and Technology Limitations

Our AI-powered recommendations and tools are designed to assist you in finding suitable insurance options, but they have limitations:

• AI recommendations are based on algorithms and may not account for all individual circumstances
• Technology may experience downtime, errors, or inaccuracies
• Results may vary based on data quality and completeness
• AI tools should not replace professional insurance advice

5. Financial and Legal Disclaimers

No Financial Advice: We do not provide financial, legal, or tax advice. Any financial information or calculations are for informational purposes only and should not be considered as professional advice.

Regulatory Compliance: Insurance regulations vary by state and are subject to change. We strive to comply with applicable laws but cannot guarantee compliance with all local, state, or federal regulations.

Licensing: We are not licensed insurance agents or brokers in all states. In some states, we may operate as a lead generation service or referral platform.

6. Limitation of Liability

To the maximum extent permitted by law, AI Insure Advisor and its affiliates shall not be liable for:

• Any direct, indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Insurance coverage denials or claim disputes
• Errors or omissions in quotes or information
• Third-party actions or services
• System failures or technical issues

Our total liability shall not exceed the amount you paid for our services, if any.

7. User Responsibilities

By using our services, you agree to:

• Provide accurate and complete information
• Verify all quotes and information with insurance providers
• Read and understand insurance policy terms before purchasing
• Comply with all applicable laws and regulations
• Use our services only for lawful purposes
• Not attempt to circumvent our security measures

8. State-Specific Disclaimers

California

This service is provided by AI Insure Advisor, a licensed insurance lead generation service in California. We are not affiliated with any specific insurance company.

New York

In New York, we operate as a referral service. All insurance transactions are conducted directly with licensed insurance agents and companies.

Florida

Florida residents should be aware that insurance rates and availability may vary based on hurricane risk and other state-specific factors.

Texas

Texas insurance regulations may affect coverage options and pricing. We recommend consulting with a licensed Texas insurance agent for state-specific guidance.

9. Lead Generation and Marketing

Lead Sharing: By submitting your information, you consent to be contacted by insurance providers, agents, and brokers who may offer you insurance products and services.

Marketing Communications: You may receive marketing communications from us and our partners. You can opt out of these communications at any time by following the unsubscribe instructions in the emails or contacting us directly.

Data Sharing: Your information may be shared with third-party partners, including EverQuote, for the purpose of providing insurance quotes and services.

10. Changes to This Disclaimer

We reserve the right to modify this disclaimer at any time. Changes will be effective immediately upon posting on our website. Your continued use of our services after any changes constitutes acceptance of the modified disclaimer.

11. Governing Law and Jurisdiction

This disclaimer is governed by the laws of the State of New York, without regard to conflict of law principles. Any disputes arising from this disclaimer or your use of our services shall be subject to the exclusive jurisdiction of the courts in New York County, New York.

12. Contact Information

If you have any questions about this disclaimer or our services, please contact us:

13. Severability

If any provision of this disclaimer is found to be unenforceable or invalid, the remaining provisions shall remain in full force and effect. We will replace any invalid provision with a valid provision that most closely approximates the intent of the original provision.

14. Acknowledgment

By using AI Insure Advisor's services, you acknowledge that you have read, understood, and agree to be bound by this disclaimer. If you do not agree with any part of this disclaimer, you must not use our services.