Terms of Service

Agreement to Terms

Welcome to InsureDirect Online. By accessing or using our website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

These terms constitute a legally binding agreement between you and InsureDirect Online. We reserve the right to modify these terms at any time, and your continued use of our services constitutes acceptance of any changes.

Our Services

InsureDirect Online provides:

• Insurance quote comparison services
• Educational resources about insurance products
• Licensed agent consultation services
• Online policy binding (where available)
• Carrier information and resources

We act as an independent insurance agency and are not affiliated with any single insurance carrier. We work with multiple carriers to provide you with competitive quotes and coverage options.

Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into binding contracts
• Provide accurate and complete information
• Comply with all applicable laws and regulations

Your Responsibilities

Accurate Information

You agree to provide accurate, current, and complete information when requesting quotes or purchasing insurance. Inaccurate information may result in incorrect quotes, policy cancellation, or claim denials.

Account Security

If you create an account, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.

Prohibited Uses

You agree not to:

• Provide false or misleading information
• Use our services for fraudulent purposes
• Violate any applicable laws or regulations
• Interfere with or disrupt our services
• Attempt to gain unauthorized access to our systems
• Use automated tools to scrape or collect data

Quotes and Pricing

By requesting a quote, you understand and agree that:

• Quotes are not guarantees of coverage or final pricing
• Carriers may decline coverage based on underwriting criteria
• Quotes are valid for a limited time (typically 30 days)
• Additional information may be required to bind coverage
• Rates may change based on carrier updates or regulatory changes

Policy Binding and Cancellation

Binding Coverage

When you bind an insurance policy through our platform, you are entering into a contract directly with the insurance carrier. We act as the agent of record but are not a party to the insurance contract.

Cancellation Rights

Most insurance policies include a free-look period (typically 10-30 days) during which you can cancel for a full refund. Cancellation terms vary by carrier and state. Review your policy documents for specific cancellation terms.

Policy Changes

To make changes to your policy after binding, contact your insurance carrier directly or reach out to our team for assistance.

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of InsureDirect Online or our licensors and is protected by copyright, trademark, and other intellectual property laws.

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

Disclaimers and Limitations of Liability

No Warranty

Our services are provided "as is" without warranties of any kind, either express or implied. We do not guarantee that our services will be uninterrupted, error-free, or secure.

Not Legal or Financial Advice

Information provided on our website is for educational purposes only and does not constitute legal, financial, or professional advice. Consult with qualified professionals for advice specific to your situation.

Limitation of Liability

To the fullest extent permitted by law, InsureDirect Online shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services.

Third-Party Links and Services

Our website may contain links to third-party websites, including insurance carrier websites. We are not responsible for the content, privacy practices, or terms of service of third-party sites.

Indemnification

You agree to indemnify and hold harmless InsureDirect Online, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services, violation of these terms, or violation of any rights of another party.

Governing Law and Dispute Resolution

These Terms of Service are governed by the laws of the State of North Carolina, without regard to conflict of law principles.

Any disputes arising from these terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except where prohibited by law.

Changes to These Terms

We reserve the right to modify these Terms of Service at any time. We will notify you of material changes by posting the updated terms on our website with a new "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the updated terms.

Contact Us

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