1. Agreement to Terms
These Terms of Use constitute a legally binding agreement between you, whether personally or on behalf of an entity ("you"), and PolicyGuide USA ("we", "us", or "our"), concerning your access to and use of the https://policyguideusa.com website, including all state guides, rate calculators, and related media.
By accessing or browsing this website, you confirm that you have read, understood, and agreed to be bound by all of these Terms of Use. If you do not agree with all of these terms, you are expressly prohibited from using the site and must discontinue use immediately.
2. Crucial Disclaimer: Not an Insurance Company or Broker
PolicyGuide USA is an independent publisher and educational research website. We are NOT an insurance company, licensed insurance agency, underwriter, or insurance broker.
- We do not underwrite, issue, bind, sell, or service insurance policies.
- All rate estimates, premium averages, sample quotes, and calculator outputs displayed on this website are for general informational, educational, and comparison purposes only.
- Actual insurance rates, eligibility, deductible terms, and policy coverage depend entirely on your individual risk profile, vehicle history, credit-based insurance score (where permitted by state law), loss history, and the official underwriting guidelines of licensed carriers.
- Any interaction with third-party insurance agents, carriers, or phone transfer representatives constitutes a direct relationship between you and that third party. PolicyGuide USA is not a party to any insurance contract.
3. Intellectual Property Rights
Unless otherwise indicated, the website, including source code, database architecture, calculator algorithms, text, state regulatory analyses, photographs, and graphics, are our proprietary property and are protected by United States copyright, trademark, and intellectual property laws.
You are granted a limited license to access and use the site solely for personal, non-commercial purposes. You may not scrape, reproduce, redistribute, frame, or sell any content without prior written authorization from PolicyGuide USA.
4. Prohibited User Activities
When using PolicyGuide USA, you agree not to:
- Systematically retrieve data or content to create or compile a collection, database, or directory without written permission;
- Engage in unauthorized automated querying, scraping, or bot crawling that overburdens server infrastructure;
- Attempt to bypass any security measures, rate limits, or access restrictions;
- Submit false, fraudulent, or deceptive ZIP codes, names, or contact requests;
- Use the site in any manner inconsistent with applicable local, state, federal, or international laws.
5. Third-Party Websites & Advertisers
Our website contains links, buttons, and telephone numbers directing users to third-party insurance carriers, brokers, and lead aggregation platforms.
We do not monitor, endorse, or verify the accuracy of external third-party offers. We are not responsible for any transactions, quote binding, disputes, or losses arising from your dealings with third-party insurance providers.
6. Disclaimer of Warranties
THIS WEBSITE AND ALL INFORMATION, CONTENT, MATERIALS, AND CALCULATORS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. POLICYGUIDE USA MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF ANY STATUTORY RATE FILING OR CARRIER REVIEW. TO THE FULL EXTENT PERMISSIBLE BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
7. Limitation of Liability
IN NO EVENT SHALL POLICYGUIDE USA, ITS DIRECTORS, EMPLOYEES, AFFILIATES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, OR DAMAGES ARISING FROM YOUR INABILITY TO OBTAIN INSURANCE COVERAGE OR ANY COVERAGE DISPUTE WITH AN INSURER.
8. Governing Law and Jurisdiction
These Terms of Use and your use of the website are governed by and construed in accordance with the laws of the United States and the State of Delaware, without regard to its conflict of law principles. Any legal action or proceeding related to this website shall be brought exclusively in the state or federal courts located in Delaware.
9. Contacting Legal Support
For inquiries or questions concerning these Terms of Use, please reach out to:
Email: legal@policyguideusa.com
Website: https://policyguideusa.com
Mailing: PolicyGuide USA Legal Department, 100 Main Street, Dover, DE 19901