These Terms & Conditions govern your access to and use of the ConsultingInsurance website, the information presented on it, and the ways you can contact us through it.
By accessing or using this website, you agree to be bound by these Terms & Conditions. If you do not agree with any part of them, please do not use the website. These terms apply in addition to our Privacy Policy, which describes how information is collected and used.
These Terms & Conditions ("Terms") govern your access to and use of the website operated by ConsultingInsurance ("we", "us", "our") and any related communications you have with us through it.
By accessing, browsing, or otherwise using the website, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. If you do not agree, please do not use the website.
You must be legally capable of entering into a binding agreement to use this website. If you are using the website on behalf of an organization, you represent that you have authority to bind that organization to these Terms.
This website is intended to provide general information about the insurance categories that ConsultingInsurance works with — Auto, Home, Life, Renters, and Business — and to offer a simple way to start a conversation with our team.
The information presented on this website is general in nature. It is not tailored to any specific individual, household, or business, and it is not a substitute for reviewing actual policy documents, discussing your specific circumstances, or obtaining professional advice where appropriate.
Nothing on this website constitutes insurance advice, legal advice, tax advice, or financial advice. The descriptions of coverage areas, options, or considerations are general explanations and do not represent a recommendation of any particular policy, product, limit, or provider.
Any decision you make regarding insurance is your own. Coverage availability, terms, limits, exclusions, and conditions are determined by the actual policies that apply and are set out in the applicable policy documents. You should review those documents carefully and ask questions about anything that is unclear.
The website is intended for use by adults who are legally capable of entering into agreements and who are accessing it from a jurisdiction where such use is permitted.
You agree to use the website only for lawful purposes and in accordance with these Terms and any applicable laws or regulations.
You agree not to misuse the website. This includes, without limitation, agreeing not to:
We reserve the right to restrict or terminate access to the website for anyone who violates these Terms or uses the website in a manner we reasonably consider inappropriate.
Unless otherwise stated, the content on this website — including text, layout, design, graphics, logos, and code — is owned by or licensed to ConsultingInsurance and is protected by applicable intellectual property laws.
You may view, download, and print pages from the website for your own personal, non- commercial use, provided that you do not remove or alter any copyright, trademark, or other proprietary notices. Any other use, including reproduction, modification, distribution, or republication, requires our prior written permission.
Third-party names, logos, or trademarks that may appear on the website remain the property of their respective owners and are used, if at all, for identification purposes only.
The website may contain links to third-party websites, services, or resources. These links are provided for convenience only. We do not control and are not responsible for the content, privacy practices, or accuracy of any third-party website.
Visiting third-party websites is at your own risk, and you should review their terms and privacy policies before using them. A link from our website does not imply endorsement or affiliation unless we expressly state so.
When you contact us — whether by phone, email, or a form on the website — you agree that we may respond using the contact details you provide. You are responsible for the accuracy of the information you submit.
Submitting a message does not create a policy, a contract of insurance, or a commitment on the part of ConsultingInsurance to provide coverage. Coverage, if any, is determined by the terms of the applicable policies and any applicable legal requirements.
You should not submit sensitive information (such as Social Security numbers, financial account details, or medical information) through the website forms. If such information is needed for a specific purpose, we will explain how to provide it through an appropriate channel.
The website and its content are provided on an "as is" and "as available" basis. To the fullest extent permitted by applicable law, we make no warranties or representations of any kind, express or implied, regarding the website or its content.
Without limiting the above, we do not warrant that the website will be uninterrupted, error-free, secure, or free of viruses or other harmful components, or that the information on it is complete, accurate, or up to date at all times.
Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.
To the fullest extent permitted by applicable law, ConsultingInsurance and its personnel will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of, or inability to use, the website.
This includes, without limitation, damages for loss of data, loss of profits, loss of business, or any other commercial or non-commercial loss, even if we have been advised of the possibility of such damages.
Some jurisdictions do not allow the limitation or exclusion of certain liabilities, so some of the above limitations may not apply to you.
To the extent permitted by applicable law, you agree to indemnify and hold harmless ConsultingInsurance and its personnel from and against any claims, liabilities, damages, losses, or expenses arising out of or related to your use of the website or your breach of these Terms.
We may update these Terms from time to time to reflect changes in the website, our practices, or applicable legal requirements. When changes are made, the "Last Updated" date at the top of this page will be revised.
Your continued use of the website after any changes take effect constitutes acceptance of the updated Terms. We encourage you to review this page periodically.
These Terms are governed by the laws that apply to ConsultingInsurance in the jurisdiction in which it operates, without regard to conflict-of-law principles.
Any dispute arising out of or related to these Terms or your use of the website will be subject to the exclusive jurisdiction of the courts located in that jurisdiction, unless applicable law requires otherwise.
Note: the applicable jurisdiction should be confirmed by your legal advisor and reflected here before publication.
If you have questions about these Terms & Conditions, you can contact us using the details below.
If anything in these Terms isn't clear, or if you'd like to ask about how they apply, reach out — we're happy to talk it through.