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Disclaimer

1. General Information Only

The information provided on InsuranceOffers365.online (the “Website”) is for general informational and educational purposes only. All information on the Website is provided in good faith; however, we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Website.

UNDER NO CIRCUMSTANCE SHALL WE HAVE ANY LIABILITY TO YOU FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF THE WEBSITE OR RELIANCE ON ANY INFORMATION PROVIDED ON THE WEBSITE. YOUR USE OF THE WEBSITE AND YOUR RELIANCE ON ANY INFORMATION ON THE WEBSITE IS SOLELY AT YOUR OWN RISK.

2. Not Insurance Advice

The content on this Website is not intended to be a substitute for professional insurance advice, diagnosis, or coverage decisions. Always seek the advice of your licensed insurance agent, broker, or qualified insurance provider with any questions you may have regarding your insurance needs.

We are not insurance agents, brokers, or consultants. We do not recommend or endorse any specific insurance companies, policies, agents, or products mentioned on this Website.

3. No Client Relationship

Your use of this Website does not create an agent-client, broker-client, or any other professional relationship between you and InsuranceOffers365. Any information you submit through this Website does not establish a confidential or privileged relationship.

A relationship with an insurance provider (agent, broker, or carrier) is only established when you formally apply for and/or purchase a policy through that provider.

4. Quotes and Estimates

Any insurance quotes, estimates, or premium indications provided through this Website are:

  • Estimates only and may not reflect the actual premium offered by an insurance carrier

  • Based on the information you provide and general rating guidelines

  • Subject to change based on underwriting review, credit checks, vehicle history, health status, or other factors

  • Not binding offers of insurance

Actual premiums, coverage terms, and eligibility are determined solely by insurance carriers or licensed agents after a complete review of your application.

5. External Links Disclaimer

The Website may contain links to external websites that are not provided or maintained by or in any way affiliated with InsuranceOffers365. Please note that we do not guarantee the accuracy, relevance, timeliness, or completeness of any information on these external websites.

We have no control over the content and practices of these third-party websites and cannot accept responsibility or liability for their respective privacy policies, terms of use, or content.

6. Testimonials and Reviews

Testimonials, case studies, and reviews appearing on this Website are received via text, audio, or video submissions. They are individual experiences, reflecting real-life experiences of those who have used our services and/or insurance products from our partners. However, they are individual results and results may vary. We do not claim, and you should not assume, that all users will have the same experiences.

YOUR INDIVIDUAL RESULTS MAY VARY.

The testimonials on the Website are not intended, nor should they be construed, as claims that our services or insurance products can be used to diagnose, treat, mitigate, cure, prevent, or otherwise be used for any condition or circumstance. No testimonials have been clinically proven or evaluated.

7. No Warranties

THIS WEBSITE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED. InsuranceOffers365 makes no representations or warranties in relation to this Website or the information and materials provided on this Website.

Without prejudice to the generality of the foregoing paragraph, InsuranceOffers365 does not warrant that:

  • This Website will be constantly available, or available at all

  • The information on this Website is complete, true, accurate, or non-misleading

  • Your use of the Website will be uninterrupted, timely, secure, or error-free

  • Any defects or errors will be corrected

  • The Website or the server that makes it available are free of viruses or other harmful components

8. Limitation of Liability

To the fullest extent permitted by applicable law, InsuranceOffers365, its owners, employees, agents, affiliates, and partners shall not 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 access to or use of or inability to access or use the Website

  • Any conduct or content of any third party on the Website

  • Any content obtained from the Website

  • Unauthorized access, use, or alteration of your transmissions or content

  • Any insurance decisions you make based on information from this Website

9. Insurance Coverage Disclaimers

Medical Insurance:
Health insurance coverage is subject to the terms and conditions of the specific policy issued by the insurance carrier. Pre-existing conditions, waiting periods, network restrictions, and exclusions may apply.

Vehicle Insurance:
Auto insurance coverage varies by state, carrier, and policy type. Comprehensive, collision, liability, and uninsured motorist coverage are subject to deductibles, limits, and exclusions.

Home Insurance:
Homeowners insurance policies typically exclude certain perils such as floods, earthquakes, and normal wear and tear. Separate policies may be required for full protection.

Travel Insurance:
Trip cancellation, interruption, and medical evacuation coverage are subject to policy terms. Pre-existing medical conditions may not be covered unless specifically waived.

Business Insurance:
Commercial policies vary widely. You should consult with a licensed agent to ensure your specific business risks are adequately covered.

10. Regulatory Compliance

InsuranceOffers365 is not a licensed insurance agency. We do not solicit, negotiate, or sell insurance products in any jurisdiction where such activities require licensing.

We make no representation that materials on this Website are appropriate or available for use in all locations. Those who choose to access this Website do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.

11. State-Specific Disclaimers

Insurance laws and regulations vary by state. Any information regarding specific coverage requirements, minimum limits, or mandated benefits may not apply to your state. You should consult with a licensed agent in your state of residence for accurate information.

12. No Guarantee of Results

InsuranceOffers365 does not guarantee that:

  • You will qualify for insurance coverage

  • You will receive the lowest available rates

  • Your claims will be approved or paid by insurance carriers

  • Any specific provider will offer you coverage

13. Errors and Omissions

While we strive to keep the information on this Website accurate and up-to-date, insurance products, rates, regulations, and provider information change frequently. We do not guarantee that the information on this Website is free of errors or omissions.

14. Professional Qualifications

None of our staff, contributors, or representatives are licensed insurance agents, brokers, or consultants unless explicitly stated. Any information provided by phone, email, or chat is for general guidance only and does not constitute professional advice.

15. Changes to This Disclaimer

We reserve the right to modify this Disclaimer at any time. Changes will be effective immediately upon posting to this page, with the “Last Updated” date revised accordingly. Your continued use of the Website after any changes constitutes acceptance of the revised Disclaimer.

16. Contact Us

If you have any questions about this Disclaimer, please contact us: