1. Acceptance of Terms

By accessing and using InsuranceCalculator.tools, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

InsuranceCalculator.tools provides online insurance calculation tools and educational resources. Our services include:

• Insurance premium calculators for various coverage types
• Educational content about insurance
• Comparison tools and analysis
• General insurance information and resources

3. Disclaimer of Warranties

The information provided on this website is for general informational purposes only. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, products, services, or related graphics contained on the website.

4. Not Professional Advice

The information provided through our calculators and website is not intended to constitute professional insurance, legal, or financial advice. We strongly recommend:

• Consulting with licensed insurance professionals for actual quotes
• Seeking advice from qualified financial advisors
• Reviewing policy documents carefully before purchasing insurance
• Comparing multiple insurance providers and policies

5. User Responsibilities

When using our service, you agree to:

• Provide accurate and truthful information
• Use the service for lawful purposes only
• Not attempt to manipulate or abuse our calculators
• Respect our intellectual property rights
• Not use the service to solicit or sell insurance products

6. Limitation of Liability

In no event shall InsuranceCalculator.tools be liable for any direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, or use
• Business interruption
• Personal injury or property damage
• Any damages resulting from reliance on our calculations
• Costs of procuring substitute services

7. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, calculators, and software, is the property of InsuranceCalculator.tools and is protected by copyright and other intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works without our express written consent.

8. Privacy and Data

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the service, to understand our practices regarding the collection and use of your information.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of any third-party websites. We encourage you to review their terms and policies before using their services.

10. Service Availability

We strive to maintain the availability of our service, but we do not guarantee uninterrupted access. We may temporarily suspend or discontinue the service for maintenance, updates, or other reasons without prior notice.

11. Modifications to Terms

We reserve the right to modify these terms at any time. Changes will be effective immediately upon posting on the website. Your continued use of the service after changes constitutes acceptance of the new terms.

12. Governing Law

These terms shall be governed by and construed in accordance with the laws of the United States. Any disputes arising from these terms or your use of the service shall be resolved in the appropriate courts of the United States.

13. Contact Information

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