These Terms and Conditions ("Terms") govern your use of the website insuranceplans.services (the "Site") and the services offered by Insurance Plans. By accessing or using the Site and/or requesting services from Insurance Plans, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use the Site or request services.

1. Our Services

Insurance Plans provides information, quotes, and brokerage support for insurance products including but not limited to home, life, health, travel, business, and fire insurance. Specific policy terms, coverage, eligibility, premiums, and claims handling are governed by the insurance provider whose product you purchase.

2. Acceptance & Eligibility

By requesting a quote or using our services you represent and warrant that you are of legal age to form a binding contract and have the authority to enter into these Terms. Some insurance products may have additional eligibility requirements defined by the insurer.

3. User Responsibilities

• You agree to provide accurate, current and complete information when requesting quotes or submitting documents.
• You are responsible for reading the policy documents provided by the insurer and understanding your coverage limits, exclusions, and obligations.
• You must not use the Site for fraudulent or unlawful purposes.

4. Payments, Fees & Refunds

Payment terms for insurance premiums and service fees will vary by product and insurer. Any payment processing, refunds, or cancellations will be handled according to the insurer’s policy and applicable law. Insurance Plans may charge administrative fees where disclosed prior to purchase.

5. Intellectual Property

All content on this Site — including text, graphics, logos, icons, images and software — is the property of Insurance Plans or its licensors and is protected by copyright, trademark and other intellectual property laws. You may not reproduce, distribute or create derivative works without our prior written consent.

6. Third-Party Links & Providers

The Site may link to third-party websites or use services provided by insurers and other partners. Those third parties have separate terms and privacy practices; Insurance Plans is not responsible for their content or actions.

7. Privacy

Your use of the Site is also governed by our Privacy Policy. By using the Site you consent to the collection and use of information as described in that policy.

8. Limitation of Liability

To the maximum extent permitted by law, Insurance Plans and its officers, directors, employees and agents will not be liable for any indirect, incidental, consequential, special, or punitive damages arising from your access or use of the Site, or from reliance on information provided herein. Our aggregate liability for any claims arising out of or related to these Terms shall not exceed the amounts paid by you to Insurance Plans for the relevant service, or where no payment was made, a nominal amount as permitted by law.

9. Indemnification

You agree to indemnify, defend and hold harmless Insurance Plans from any claims, liabilities, losses, damages, costs and expenses (including reasonable legal fees) arising out of your breach of these Terms or your misuse of the Site.

10. Termination

We may suspend or terminate access to the Site, or refuse to provide services, at our discretion and without notice if you violate these Terms or for other lawful reasons.

11. Changes to Terms

We may update these Terms from time to time. When changes are made we will update the effective date above. Continued use of the Site after such modifications constitutes your acceptance of the revised Terms.

12. Governing Law

These Terms are governed by and construed in accordance with the laws applicable to the company’s place of operation. Any dispute arising under or related to these Terms shall be subject to the exclusive jurisdiction of the courts in the applicable jurisdiction.

Contact Information

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

• Company: Insurance Plans
• Website: insuranceplans.services
• Email: info@insuranceplans.services
• Phone: (888) 275-5183