Terms of Service

Last updated: June 1, 2026

These Terms of Service ("Terms") govern your use of the Insuregear website (insuregear.us), mobile experience, and related services (collectively, the "Services") offered by Insuregear, Inc. ("Insuregear," "we," "us," or "our"). By using the Services, you agree to these Terms. If you don't agree, please don't use the Services.

1. What Insuregear does

Insuregear is an insurance comparison platform. We help you compare insurance quotes and offers from licensed insurance carriers and agencies. We are not an insurance carrier; we do not underwrite, issue, or sell insurance policies directly. Coverage is purchased from the carrier or agency you choose, subject to that carrier's underwriting, terms, and conditions.

2. Eligibility and accounts

You must be at least 18 years old and a resident of the United States to use the Services. You agree to provide accurate, current, and complete information when you create an account or request quotes. You're responsible for safeguarding your account credentials and for all activity under your account.

3. Information you provide

The information you provide (your "Submission") will be used to obtain quotes and to share with the carriers you select. You represent that all information you provide is accurate and complete and that you have the authority to provide it. Misrepresentation may result in denied claims, cancelled policies, or other consequences imposed by the carrier.

4. Quotes, estimates, and carrier offers

Quotes displayed on Insuregear are estimates based on the information you provide and information from licensed data sources. Final premiums, eligibility, terms, and conditions are determined by the carrier and may differ from the estimates shown. Carriers may decline coverage, request additional information, or apply surcharges or discounts not reflected in our quote display.

Insuregear does not guarantee that you will be approved for any specific policy or premium.

5. Prohibited conduct

You agree not to:

• Use the Services for any unlawful purpose
• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to our systems or other users' accounts
• Use bots, scrapers, or automated tools to access or copy the Services
• Interfere with the Services' operation, security, or other users' use
• Reverse engineer, decompile, or attempt to extract source code

6. Third-party carriers and content

The Services include information, links, and content from third-party insurance carriers, agencies, and other partners. Insuregear is not responsible for the accuracy, completeness, or availability of third-party content, nor for the products, services, or actions of any third-party carrier you engage with through the Services. Your relationship with any third-party carrier is governed by that carrier's terms and policies.

7. Intellectual property

The Services, including all content, design, logos, and software, are owned by Insuregear or our licensors and are protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable license to use the Services for personal, non-commercial purposes only.

8. Disclaimer of warranties

The Services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy. We do not warrant that the Services will be uninterrupted, error-free, or secure.

9. Limitation of liability

To the maximum extent permitted by law, Insuregear and its affiliates, officers, employees, and partners will not be liable for any indirect, incidental, consequential, special, or punitive damages, including loss of profits, data, or goodwill, arising out of or related to your use of the Services. Our total liability for any claim arising from the Services is limited to one hundred U.S. dollars ($100).

10. Indemnification

You agree to indemnify and hold Insuregear harmless from any claims, damages, losses, or expenses (including attorneys' fees) arising from your use of the Services, your Submissions, or your violation of these Terms.

11. Arbitration and class-action waiver

Any dispute arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. You waive any right to a jury trial and any right to participate in a class action. You may opt out of arbitration within 30 days of first using the Services by emailing legal@insuregear.us.

12. Changes to these terms

We may update these Terms from time to time. When we make material changes, we'll notify you by posting an updated version with a new "Last updated" date. Continued use of the Services after changes means you accept the updated Terms.

13. Contact us

Email legal@insuregear.us or write to:

Insuregear, Inc.
Attn: Legal
insuregear.us