Terms of Service

1. Acceptance of Terms

By accessing, browsing, or using USA Local Insurance (the "Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree with these Terms, please do not use our Service.

These Terms apply to all users of the Service, including visitors, registered users, and those who request insurance quotes.

2. Description of Service

USA Local Insurance is an online insurance comparison platform that:

• Provides information about various insurance products and services
• Connects users with licensed insurance agents and carriers
• Facilitates insurance quote comparisons
• Offers educational content about insurance topics

Important: We are not an insurance company, insurance agent, or insurance broker. We do not sell insurance directly or provide insurance advice. All insurance transactions are between you and the insurance providers.

3. Eligibility and Registration

Eligibility Requirements

• You must be at least 18 years old
• You must be a legal resident of the United States
• You must have the legal capacity to enter into contracts
• You must provide accurate and complete information

Account Registration

Some features may require account registration. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information as needed
• Keep your account credentials secure
• Notify us immediately of any unauthorized use

4. User Conduct and Prohibited Uses

You agree not to use the Service to:

• Provide false, misleading, or fraudulent information
• Violate any applicable laws or regulations
• Infringe upon intellectual property rights
• Transmit harmful code, viruses, or malware
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the Service
• Spam, harass, or abuse other users or our staff
• Use automated tools to access or scrape our content

5. Insurance Quotes and Information

Quote Accuracy

Insurance quotes provided through our platform are estimates based on the information you provide. Actual rates may differ and are subject to:

• Verification of information by insurance companies
• Additional underwriting requirements
• State regulations and carrier availability
• Changes in your circumstances or risk profile

No Guarantee of Coverage

Receiving a quote does not guarantee that you will be approved for coverage. Insurance companies have their own underwriting guidelines and may decline coverage or offer different terms.

Information Accuracy

You are responsible for providing accurate and complete information when requesting quotes. Inaccurate information may result in incorrect quotes or policy cancellation.

6. Third-Party Insurance Providers

We work with licensed insurance companies and agents. However:

• We do not control or guarantee their services
• We are not responsible for their actions or omissions
• All insurance contracts are between you and the insurance provider
• You should review all policy terms and conditions carefully
• We may receive compensation from insurance providers

7. Intellectual Property Rights

Our Content

All content on USA Local Insurance, including text, graphics, logos, images, and software, is owned by us or our licensors and is protected by copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our Service for personal, non-commercial purposes only.

Restrictions

You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks or logos without authorization
• Create derivative works based on our content
• Reverse engineer or attempt to extract source code

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and sharing of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

By using our Service, you consent to the collection and use of your information as described in our Privacy Policy.

9. Disclaimers and Warranties

Service "As Is"

Our Service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties of non-infringement
• Warranties that the Service will be uninterrupted or error-free
• Warranties regarding the accuracy or completeness of content

No Insurance Advice

We do not provide insurance advice or recommendations. All information is for educational purposes only. You should consult with licensed insurance professionals for specific advice about your insurance needs.

10. Limitation of Liability

To the maximum extent permitted by law, USA Local Insurance and its affiliates, officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, or business opportunities
• Costs of obtaining substitute services
• Damages arising from insurance coverage decisions
• Damages resulting from third-party actions

Our total liability to you for any claim shall not exceed $100 or the amount you paid to us in the 12 months preceding the claim, whichever is greater.

11. Indemnification

You agree to indemnify, defend, and hold harmless USA Local Insurance and its affiliates from any claims, damages, losses, costs, or expenses (including attorney's fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any applicable laws
• Information you provide to us or insurance providers
• Your interactions with insurance providers

12. Termination

We may terminate or suspend your access to the Service at any time, with or without notice, for any reason, including:

• Violation of these Terms
• Fraudulent or illegal activity
• Abuse of the Service or other users
• Extended periods of inactivity

Upon termination, your right to use the Service will cease immediately, but these Terms will continue to apply to your previous use of the Service.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of New York, without regard to conflict of law principles.

Dispute Resolution

Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association.

You waive any right to participate in class-action lawsuits or class-wide arbitration.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting updated Terms on our website
• Sending email notifications to registered users
• Displaying prominent notices on our website

Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

15. Severability and Entire Agreement

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue to be valid and enforceable.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and USA Local Insurance regarding your use of the Service.

16. Contact Information

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