Terms of Use

Welcome to usainsuranceguide.org. By accessing or using this website (the “Site”), operated by USA Insurance Guide (“we,” “us,” or “our”), you agree to be bound by the following Terms of Use. If you do not agree, please do not use the Site.

1. Eligibility

You may use the Site only if you are 18 years of age or older and are a legal resident of the United States.

2. Our Services

We offer users the ability to receive comparative insurance quotes from a network of licensed insurance providers (“Providers”) based on information you submit through our forms. Once your data is submitted, it may be shared with participating Providers who may contact you directly to offer insurance quotes.

Please note:

• We are not an insurance company and do not issue or underwrite policies.
• We do not guarantee coverage, pricing, or availability.
• We do not endorse any particular insurance provider or product.
• Always consult a licensed insurance agent or financial professional for personalized advice.

3. Use of User Information

By submitting your information, you agree:

• To provide accurate, complete, and up-to-date information.
• That we may share your information with trusted Providers for the purpose of obtaining quotes.
• That your information will be handled in accordance with our Privacy Policy.
• To refrain from submitting content that is false, unlawful, defamatory, or infringes upon others’ rights.

We reserve the right to modify or remove submitted user content at our sole discretion.

4. Provider Responsibility

By using the information provided by us, Providers agree to:

• Use the information solely for offering insurance-related services.
• Adhere to the same privacy principles outlined in our Privacy Policy.
• Delete all non-essential user data after fulfilling the initial quote inquiry.

5. Intellectual Property

All content, design elements, code, and materials on this Site are the exclusive property of USA Insurance Guide or its partners and are protected by applicable intellectual property laws. You may view and print content solely for personal, non-commercial purposes. Unauthorized reproduction, distribution, or use is prohibited.

6. Prohibited Conduct

Users and Providers agree not to:

• Use submitted information for any purpose outside the scope of this agreement.
• Harass, threaten, or misuse information received from the Site.
• Upload malicious files, engage in spamming, data mining, or interference with the Site’s functionality.
• Violate any local, state, or federal laws in connection with the Site.

7. Limitation of Liability

We are not responsible for the conduct of Providers or any third parties to whom your data is submitted. We make no guarantees as to quotes, outcomes, or timeliness. The Site is provided on an “as-is” basis.

8. Indemnification

You agree to indemnify and hold USA Insurance Guide, its employees, partners, and affiliates harmless from any claims or damages resulting from your violation of these Terms or misuse of the Site.

9. Account Security (if applicable)

If you create an account, you are responsible for maintaining the confidentiality of your login credentials. Notify us immediately of any unauthorized use.

10. Modifications

We may modify these Terms of Use at any time. Continued use of the Site after changes are posted constitutes your acceptance of those changes. Please check this page periodically.

11. Disclaimer of Warranties

USA Insurance Guide provides this website and all associated services on an “as is” and “as available” basis. We make no guarantees, express or implied, regarding the site’s functionality, timeliness, security, uninterrupted access, or error-free operation. While we strive to correct issues promptly, we do not guarantee constant availability or flawless performance of the site, email delivery, or access.

We specifically disclaim all warranties, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. This includes the accuracy, reliability, or usefulness of content, data access, processing functions, or the preservation of any submitted information.

Users are solely responsible for maintaining copies of any data or submissions in case of service interruptions, system errors, or data loss.

If you are dissatisfied with any portion of the site or these terms, your sole remedy is to discontinue use. We disclaim all liability for any direct, indirect, incidental, consequential, or punitive damages resulting from your access or inability to access the site—including lost revenue, data, profits, or opportunities.

12. Governing Law and Jurisdiction

These Terms and Conditions are governed by the laws of the State of Florida, without regard to conflict of law principles. Any disputes arising from your use of this site must be brought exclusively in a court of competent jurisdiction located in Florida, and you agree to submit to the personal jurisdiction of such courts.

If any provision of these Terms is found invalid by a court, the remaining provisions will remain fully effective and enforceable, reflecting the original intent of the parties. Failure by us to enforce any right does not constitute a waiver of that right.

All legal claims related to the use of the site must be initiated within one (1) year of the event giving rise to the claim, or they will be permanently barred.