Terms of Service (TOS)

1. Introduction

Welcome to TheInsuranceRisk.com ("Website"). By accessing or using this Website, you agree to comply with and be bound by these Terms of Service ("TOS"). If you do not agree to these terms, please do not use our services.

2. No Insurance or Financial Advice

TheInsuranceRisk.com is an informational resource that provides general insights into insurance-related topics, risk factors, and potential coverage options. We do not sell insurance, underwrite policies, or provide financial or legal advice.

All information provided on this site, including results from quizzes and calculators, is for informational purposes only and should not be considered a substitute for professional financial or insurance consultation.

3. Affiliate Disclosure

We may receive compensation from insurance providers, brokers, or other third-party partners for referring users to their services. These affiliate partnerships do not influence our editorial integrity, but we may earn commissions when users take specific actions, such as requesting quotes or purchasing policies.

4. Limitation of Liability

• TheInsuranceRisk.com is not responsible for inaccuracies in quiz results, calculator estimates, or blog content.
• We are not liable for any financial, legal, or personal decisions made based on the information provided on this site.
• The Website is provided on an "as is" and "as available" basis without warranties of any kind.

5. User Responsibilities

• You agree not to misuse the site, including submitting false information in quizzes or attempting to manipulate data for misleading results.
• The site is not intended for minors (under 18 years old).

6. Governing Law

These Terms are governed by the laws of the State of Texas. If any provision is found to be unenforceable, the remaining provisions shall remain in effect.