Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") govern your use of the AI Insure Advisor website and services (collectively, the "Service") operated by AI Insure Advisor ("we," "our," or "us"). By accessing or using our Service, you agree to be bound by these Terms.

2. Description of Service

AI Insure Advisor is an insurance comparison platform that:

• Provides insurance quotes from multiple providers
• Connects users with licensed insurance agents and brokers
• Offers AI-powered insurance recommendations
• Provides educational content about insurance
• Facilitates lead generation for insurance providers

3. User Eligibility

To use our Service, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding agreements
• Provide accurate and complete information
• Comply with all applicable laws and regulations

4. User Responsibilities

You agree to:

• Provide accurate, current, and complete information
• Maintain the security of your account information
• Use the Service only for lawful purposes
• Not attempt to gain unauthorized access to our systems
• Not use the Service to transmit harmful or malicious code
• Respect the intellectual property rights of others

5. Prohibited Uses

You may not use our Service:

• For any unlawful purpose or to solicit others to perform unlawful acts
• To violate any international, federal, provincial, or state regulations, rules, laws, or local ordinances
• To infringe upon or violate our intellectual property rights or the intellectual property rights of others
• To harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate
• To submit false or misleading information
• To upload or transmit viruses or any other type of malicious code
• To spam, phish, pharm, pretext, spider, crawl, or scrape

6. Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of AI Insure Advisor and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

7. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices. By using our Service, you agree to the collection and use of information in accordance with our Privacy Policy.

8. Third-Party Services

Our Service may contain links to third-party websites or services that are not owned or controlled by AI Insure Advisor. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that AI Insure Advisor shall not be responsible or liable for any damage or loss caused by or in connection with the use of any such content, goods, or services.

9. Disclaimer of Warranties

The information on this Service is provided on an "as is" basis. To the fullest extent permitted by law, AI Insure Advisor excludes all representations, warranties, conditions, and terms relating to our Service and the use of this Service. Nothing in this disclaimer will limit or exclude our or your liability for death or personal injury, fraud, or any other liability that cannot be excluded or limited by applicable law.

10. Limitation of Liability

In no event shall AI Insure Advisor, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

11. Indemnification

You agree to defend, indemnify, and hold harmless AI Insure Advisor and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of your use and access of the Service, or a breach of these Terms.

12. Termination

We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will cease immediately.

13. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

14. Governing Law

These Terms shall be interpreted and governed by the laws of the State of New York, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

15. Contact Information

If you have any questions about these Terms of Service, please contact us: