Terms of Service

Last updated: [DATE] — draft for legal review, not yet finalized.

Use of the Site

Prime Insurance Guide provides a platform for comparing insurance options and connecting with licensed third-party agents and agencies. By using this site, you agree to provide accurate information and use the service for its intended purpose.

No Guarantee of Coverage or Pricing

Submitting a quote request does not guarantee that you will receive an offer, that any offer will match displayed estimates, or that you will be approved for coverage. Final rates, terms, and approval are determined solely by the licensed insurance carrier or agency you choose to work with.

Not an Insurer

Prime Insurance Guide is not an insurance company, agent, or broker. We do not underwrite policies, adjust claims, or handle premium payments. All insurance products referenced on this site are offered exclusively through independent, licensed third parties.

For Partner Agencies

Agencies and companies that apply to partner with us must hold a valid, active license in every state where they intend to receive leads, and are solely responsible for complying with applicable insurance and marketing laws in their communications with matched consumers.

Limitation of Liability

Prime Insurance Guide is not liable for the actions, representations, or coverage decisions of any third-party agent, agency, or insurance carrier accessed through this site.

Changes to These Terms

We may update these terms from time to time; continued use of the site after changes constitutes acceptance of the revised terms.