Terms of Use
The terms and conditions that govern your use of policyamericana.com.
This site is not a source of professional insurance advice
Everything on PolicyAmericana is for general educational purposes only. Nothing here constitutes insurance advice, financial advice, or legal advice. PolicyAmericana is not a licensed insurance agent, broker, or adviser. Always consult a licensed professional before making insurance decisions specific to your situation.
Acceptance of terms
By accessing or using policyamericana.com, you agree to be bound by these Terms of Use. If you do not agree, please do not use the site. These terms apply to all visitors, users, and others who access or use the site.
Educational purpose only
PolicyAmericana provides general insurance education to help US consumers understand their options. All content is for informational purposes only and is not a substitute for professional insurance, financial, or legal advice.
PolicyAmericana is not a licensed insurance agent, broker, or financial adviser in any US state. We do not provide personalised insurance recommendations, quote your rate, or assess your specific needs. Rate information represents averages and estimates and does not constitute a quote from any insurer.
Insurance products, prices, coverage terms, and legal requirements vary by state and individual circumstances. Consult a licensed insurance professional in your state for advice specific to your situation.
Affiliate relationships and disclosure
PolicyAmericana participates in affiliate marketing programmes. We may earn a referral fee when you click through to an insurer’s website via a link on our site and subsequently purchase a product. This fee is paid by the insurer, not by you, and does not affect the price you pay for any insurance product.
Affiliate relationships do not influence our editorial coverage, ratings, or recommendations. Our affiliate disclosures are displayed on every page of the site that contains affiliate links.
Accuracy of information
We make reasonable efforts to ensure the accuracy of information published on this site. However, insurance rates, laws, and company policies change frequently. We cannot guarantee that all information is current at the time you read it. Always verify information with the relevant insurance company or state insurance department before making decisions.
Third-party links
The site contains links to third-party websites including insurance company websites. PolicyAmericana does not endorse, control, or take responsibility for the content, privacy practices, or terms of any linked website. Your use of any linked website is governed by that website’s own terms and privacy policy.
Intellectual property
All content on PolicyAmericana — including text, data, graphics, and design — is the property of PolicyAmericana or its content suppliers and is protected by applicable copyright law. You may read, print, and share our content for personal, non-commercial use with proper attribution. Reproduction for commercial purposes requires written permission. To request reprint or syndication rights, contact hello@policyamericana.com.
Limitation of liability
To the fullest extent permitted by law, PolicyAmericana and its owners, employees, and contributors shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the site or reliance on information published on the site.
Prohibited uses
- Scraping or systematically downloading content for commercial purposes
- Using our rate data or content in competing commercial products without written permission
- Any unlawful purpose or in violation of applicable law
- Submitting false or misleading information through any form on the site
- Transmitting malicious code or technology that may disrupt the site
Changes to these terms
PolicyAmericana reserves the right to modify these Terms of Use at any time. Changes will be posted to this page with an updated effective date. Continued use of the site after any changes constitutes acceptance of the revised terms.
Governing law
These Terms of Use are governed by the laws of the United States. Any disputes arising from your use of the site shall be resolved in accordance with applicable US federal and state law.
Contact
Questions about these Terms of Use:
PolicyAmericana
legal@policyamericana.com