Terms & Conditions

1. Acceptance of Terms

By accessing, browsing, or using the TruemanInsurance website, mobile application, or any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy.

If you do not agree to these terms, you may not use our services. These terms apply to all users of our website, including browsers, customers, and any other users of our services.

2. Our Services

TruemanInsurance operates as an insurance comparison and advisory service. We help consumers find and compare home insurance policies from multiple insurance providers.

2.1 Quote Service

Our quote service allows you to:

• Compare quotes from multiple insurance providers
• Receive personalized insurance recommendations
• Access educational resources about home insurance
• Connect with licensed insurance professionals

2.2 Advisory Service

Our advisory service includes:

• Consultation with licensed insurance professionals
• Policy review and analysis
• Claims support and guidance
• Ongoing customer support

Important Disclaimer: TruemanInsurance is not an insurance company. We are a service provider that helps you compare and obtain insurance policies from third-party insurance companies.

3. User Responsibilities

When using our services, you agree to:

• Provide accurate, complete, and current information about yourself and your property
• Maintain the confidentiality of your account credentials
• Notify us immediately of any unauthorized use of your account
• Use our services only for lawful purposes
• Respect the intellectual property rights of TruemanInsurance and third parties
• Not attempt to gain unauthorized access to our systems or networks
• Not use our services to transmit harmful, illegal, or inappropriate content

You are responsible for all activities that occur under your account and for maintaining the security of your login credentials.

4. Information Accuracy

The accuracy of insurance quotes and recommendations depends heavily on the information you provide. You must:

• Provide truthful and accurate information about your property, personal circumstances, and insurance needs
• Update your information promptly if circumstances change
• Understand that quotes are estimates based on the information provided
• Review all policy details directly with insurance providers before purchasing

TruemanInsurance is not responsible for any discrepancies between quoted rates and final policy premiums due to incomplete or inaccurate information provided by users.

5. Privacy & Data Protection

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

Data Collection and Use

We collect and use your personal information to:

• Provide insurance quotes and recommendations
• Connect you with appropriate insurance providers
• Communicate with you about our services
• Improve our services and user experience
• Comply with legal and regulatory requirements

Data Sharing

We may share your information with:

• Insurance companies and agents to obtain quotes and process applications
• Third-party service providers who assist in our operations
• Legal authorities when required by law

For complete details about our privacy practices, please review our Privacy Policy.

6. Intellectual Property

All content, features, and functionality on our website and services, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, and software, are owned by TruemanInsurance or our licensors and are protected by copyright, trademark, and other intellectual property laws.

Permitted Use

You may use our services for personal, non-commercial purposes only. You may not:

• Reproduce, distribute, modify, or create derivative works of our content
• Use our trademarks, logos, or branding without written permission
• Reverse engineer, decompile, or disassemble any software
• Use automated systems to access our services without permission

7. Limitations of Liability

TruemanInsurance operates as an intermediary service and makes no warranties regarding the insurance products or services provided by third-party insurance companies.

Service Disclaimers

Our services are provided "as is" and "as available." We disclaim all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

Limitation of Liability

To the maximum extent permitted by law, TruemanInsurance shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Service interruptions or technical failures
• Actions or omissions of third-party insurance providers
• Damages resulting from your use or inability to use our services

Our total liability for any claim related to our services shall not exceed the amount you paid us for such services in the twelve months preceding the claim.

8. Termination

These terms remain in effect until terminated by either party.

Termination by You

You may terminate your use of our services at any time by:

• Discontinuing use of our website and services
• Closing your account if you have one
• Contacting us to request account deletion

Termination by Us

We may terminate or suspend your access to our services immediately, without prior notice, if you:

• Violate these Terms and Conditions
• Provide false or misleading information
• Engage in fraudulent or illegal activities
• Threaten the security or integrity of our services

9. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of the State of Massachusetts, United States, without regard to its conflict of law principles.

Any legal action or proceeding arising under these terms will be brought exclusively in the federal or state courts located in Massachusetts, and you consent to the jurisdiction of such courts.

10. Changes to Terms

We reserve the right to modify or replace these Terms and Conditions at any time. If we make material changes, we will:

• Post the updated terms on our website
• Update the "Last Modified" date
• Notify users of significant changes via email or website notice

Your continued use of our services after any changes constitutes acceptance of the new terms. We encourage you to review these terms periodically.

11. Contact Information

If you have any questions about these Terms and Conditions, please contact us: