Terms of Service

This document is in draft and has not yet been adopted — no effective date applies until it is. An adoption date will be published here when it is.

Draft — attorney review required before launch. Have counsel confirm the governing-law state, arbitration/dispute language appropriate for your business, and any state insurance advertising requirements. Remove this notice when finalized.

1. Agreement

These Terms govern your use of this website, operated by PolicySolutions LLC ("PolicySolutions," "we," "us"), a licensed independent insurance agency, NPN #20612303. By using the site, you agree to these Terms and to our Privacy Policy.

2. Not an offer of coverage

Nothing on this site is an offer of insurance, a binder, or a guarantee of coverage or price.
Quote tools provide preliminary estimates only. Final eligibility, coverage, and premium are determined solely by the issuing insurance carrier through its underwriting process.
Coverage availability, products, and pricing vary by carrier, state, age, and health.

3. Educational content, not advice

Articles and guides on this site are general educational information. They are not financial, tax, or legal advice, and they are not a substitute for a conversation with a licensed agent about your specific situation, or with a tax or legal professional where applicable.

4. Your submissions

You agree that information you submit is accurate to the best of your knowledge. Misstatements on an insurance application can affect coverage or claims. Communication preferences you select are governed by our SMS & Call Consent Terms.

5. Acceptable use

You agree not to misuse the site — including submitting false requests, interfering with its operation, scraping content, or attempting to access systems or data without authorization.

6. Intellectual property

The site's content, design, and branding are owned by PolicySolutions LLC or its licensors and may not be reproduced without permission, except for personal, non-commercial viewing.

7. Third-party services

Links to third parties — including insurance carrier websites — are provided for convenience. We are not responsible for their content or practices.

8. Disclaimers and limitation of liability

The site is provided "as is" without warranties of any kind, to the extent permitted by law. To the maximum extent permitted by law, PolicySolutions LLC will not be liable for indirect, incidental, or consequential damages arising from use of the site. Nothing in these Terms limits rights you may have under applicable insurance law.

9. Governing law

These Terms are governed by the laws of the State of [State], without regard to conflict-of-law principles. [Counsel: add venue and any arbitration/class-waiver provision if desired.]

10. Changes

We may update these Terms from time to time. Continued use of the site after changes take effect constitutes acceptance.

11. Contact

PolicySolutions LLC · (737) 258-3742 · info@policysolutionsagency.com