1. Acceptance of terms
These Terms of Service ("Terms") govern your access to and use of usainsuranceasy.com and its related content (the "Site"), operated by USA Insurance Easy. By accessing the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use the Site.
2. Not professional advice
The Site provides general editorial content about insurance products available in the United States. Nothing on the Site constitutes insurance, legal, tax, or financial advice. We are not a licensed insurance agent, broker, or producer. We do not sell, quote, bind, or service insurance policies. Always consult a licensed professional in your state before making coverage decisions.
3. Eligibility
You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Site. By using the Site, you represent that you meet this requirement.
4. Intellectual property
All content on the Site — articles, graphics, logos, layouts, and underlying code — is owned by USA Insurance Easy or its licensors and is protected by US and international copyright, trademark, and other intellectual property laws.
You may share short excerpts (under ~150 words) with attribution and a link back to the original article. Republishing full articles, scraping, training AI models on our content, or using our content in any commercial product without written permission is prohibited.
5. Acceptable use
You agree not to:
- Use the Site for any unlawful purpose.
- Attempt to disrupt, overload, or impair the Site or any associated servers.
- Reverse engineer, decompile, or otherwise tamper with the Site's code.
- Use automated tools to scrape, crawl, or harvest content beyond what is permitted in our
robots.txt. - Impersonate any person or misrepresent your affiliation with any entity.
- Bypass or disable advertising, analytics, or security measures on the Site.
6. Third-party links & products
The Site contains links to third-party websites and references to third-party products, carriers, and services. We don't control those third parties and aren't responsible for their content, accuracy, privacy practices, or the products and services they offer. Your interactions with any third party are solely between you and that third party.
7. Advertising
The Site displays advertising provided by third parties (including Google AdSense). The appearance of an advertisement is not an endorsement by USA Insurance Easy. See our Privacy Policy for how advertising data is handled.
8. Disclaimer of warranties
The Site and all content are provided "as is" and "as available," without warranty of any kind, express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, secure, or current.
9. Limitation of liability
To the maximum extent permitted by law, USA Insurance Easy and its writers, editors, owners, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising out of or in connection with your use of the Site, even if we have been advised of the possibility of such damages. Our total aggregate liability for any claim arising from these Terms or your use of the Site shall not exceed one hundred US dollars ($100).
10. Indemnification
You agree to indemnify and hold harmless USA Insurance Easy and its team from any claim, damage, loss, or expense (including reasonable attorneys' fees) arising out of your violation of these Terms or your misuse of the Site.
11. Governing law
These Terms are governed by the laws of the State of New York, United States, without regard to its conflict of laws rules. You and we agree to the exclusive jurisdiction of the state and federal courts located in New York County, New York, for any dispute arising under these Terms.
12. Changes to these terms
We may update these Terms from time to time. The "Last updated" date at the top reflects the latest revision. Your continued use of the Site after any changes constitutes acceptance of the revised Terms.
13. Contact
Questions about these Terms? Email legal@usainsuranceasy.com.