1. Definitions
"Services" — the InsuranceGain.Ai platform (website, quote tools, referral tracking, earning launchpad, carrier portal, customer-care agent, APIs, and related tools) provided by InsuranceGain.Ai ("Company," "we," "us").
"Shopper," "you" — an individual who browses, requests, saves, or follows insurance quotes, or uses the earning features.
"Carrier" — an insurance company or authorized representative that applies to, or participates in, the marketplace through the carrier portal.
"Quote" — an estimated or carrier-submitted price and coverage summary displayed in the marketplace. A Quote is not an offer, binder, or policy.
"Referral" — the tracked handoff that occurs when you choose to continue from the marketplace to a Carrier's website or application flow.
"Policy" — an insurance contract issued by a Carrier. InsuranceGain.Ai is never a party to any Policy.
"Earning Credits" — promotional credits recorded in your account that may become available after an eligible Policy acquisition and first recorded premium payment, as described in Section 7.
"Authorized User" — an individual whom a Carrier permits to access the carrier portal on its behalf.
2. Description of Service
InsuranceGain.Ai is a referral marketplace and technology service. We help shoppers describe their coverage needs, compare available quote options across six categories — life, ACA health, Medicare Advantage, personal auto, renters, and pet — and continue to the carrier they select. After an eligible acquisition, shoppers may track premium payments and unlock earning opportunities offered through the launchpad.
Unless expressly stated otherwise, we are not an insurance carrier, agent, broker, producer, underwriter, claims adjuster, financial adviser, or fiduciary. We do not bind, issue, service, renew, cancel, or guarantee insurance coverage, and we do not provide advice on which policy you should buy.
3. Eligibility
You must be at least 18 years old, legally able to enter a binding agreement, and located in a jurisdiction where the Services are offered. If you use the Services on behalf of an organization — including as a Carrier's Authorized User — you represent that you have authority to bind that organization, and "you" includes that organization. You may not use the Services if we have previously suspended or terminated your access for violating these Terms.
4. Accounts & Security
You are responsible for providing accurate, current information; keeping your credentials confidential; and all activity under your account. You must notify us promptly of any suspected unauthorized access. We may require identity verification before acting on sensitive account requests. You may not share accounts, impersonate another person, or create accounts by automated means.
Carrier accounts additionally require an approved application, and each Authorized User must use individual credentials. Carriers are responsible for revoking access when an Authorized User leaves their organization.
5. Quotes, Estimates & Applications
Marketplace prices may be estimates, sample prices, or information submitted by carriers. Each quote is labelled with its pricing source. A quote is not an offer, binder, or policy, and does not guarantee that coverage will be issued or that the displayed price will be honored.
The selected carrier alone determines eligibility, final price, coverage terms, exclusions, availability, underwriting, and whether a policy is issued. Coverage begins only when confirmed by the carrier. Any application you complete on a carrier's site is governed by that carrier's terms and disclosures.
6. Referrals & Third-Party Sites
When you continue with a quote, you are sent to a carrier or partner website through a tracked referral link. The referral identifier lets us and the carrier attribute the referral and update its status. Once you leave our site, the third party's terms and privacy practices apply, and we are not responsible for its site, underwriting decision, policy, claim handling, product, offer, or conduct.
A referral does not create any relationship between you and us beyond these Terms, and does not obligate any carrier to offer you coverage.
7. Earnings, Credits & Premium Tracking
Earning opportunities may become available after an eligible policy acquisition and first recorded premium payment. Eligibility, values, timing, availability, and partner requirements may change at any time, and some opportunities may be limited, revoked, or never offered.
Earning Credits are promotional records. They are not cash, a bank balance, a deposit, or a security; they have no guaranteed value outside the Services; they are not transferable; and they cannot exceed the premium payment to which they are applied. We may adjust or void credits earned through error, fraud, or reversed transactions.
Premium-payment tracking is a personal recordkeeping feature. Logging a payment does not transmit funds to a carrier, prove that a carrier received payment, or change the status of a policy. You remain responsible for paying the carrier directly and on time.
8. Carrier Portal & Applications
Carrier applicants must have authority to submit company, pricing, and referral information, and must hold all licenses required to offer the coverage they list. Approval to appear in the marketplace does not endorse a carrier or guarantee any volume of referrals, and we may decline, suspend, or remove a carrier at our discretion, including for spam, inaccurate data, or legal non-compliance.
Carriers are responsible for the accuracy and currency of submitted pricing, for lawful consumer disclosures, and for honoring the policies they issue. Pricing submitted through the portal is labelled as carrier-submitted in quotes; legacy or illustrative rates are labelled as samples. Carriers receive only aggregate marketplace metrics — never individual shopper identities or policy-level personal data.
9. Acceptable Use
You may not:
- Provide false, misleading, or fraudulent information, or create fake referrals, policies, or payments.
- Scrape, crawl, or harvest the Services, or use automated means without written permission.
- Interfere with security controls, probe vulnerabilities, or disrupt the Services.
- Reverse engineer the platform except where the law permits it regardless of this restriction.
- Use the Services to violate any law, regulation, or third-party right.
- Resell, sublicense, or frame the Services without permission.
10. User Content & Submissions
You retain ownership of the information and materials you submit. You grant us a non-exclusive, worldwide, royalty-free license to host, process, display, and use your submissions as needed to operate, secure, and improve the Services, and — in aggregate, de-identified form — to report marketplace performance. You represent that your submissions are accurate and that you have the right to provide them.
11. Intellectual Property
The Services, including software, design, text, graphics, and branding, are owned by InsuranceGain.Ai or its licensors and protected by intellectual-property laws. You receive a limited, revocable, non-transferable, non-exclusive right to use the Services for their intended purpose. Carrier marks remain the property of their respective owners; displaying a carrier in the marketplace does not transfer any rights in its marks.
12. AI Features & Disclaimers
The Services include AI-assisted features, such as the quote-fit explainer and the customer-care agent. AI responses are generated automatically, may be incomplete or inaccurate, and are not professional insurance, legal, tax, or financial advice. Do not submit medical records, Social Security numbers, payment credentials, or other sensitive information that was not requested. You are responsible for verifying important information with the carrier or a licensed professional before acting on it.
13. Privacy & Data Protection
Our Privacy Policy explains what we collect and how we use it, our Cookie Policy explains on-device technologies, and our Data Processing Addendum governs processing performed on behalf of carriers and partners. Each is incorporated into these Terms.
14. Confidentiality
Non-public information disclosed by one party to the other in connection with the Services — including unpublished pricing, application materials under review, and security details — must be used only for the purpose for which it was disclosed and protected with reasonable care. This obligation does not apply to information that is public, independently developed, or required to be disclosed by law.
15. Warranties & Disclaimers
The Services are provided "as is" and "as available" to the fullest extent permitted by law. We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee uninterrupted access, quote accuracy, carrier availability, savings, earnings, approval, or coverage.
16. Limitation of Liability
To the fullest extent permitted by law, InsuranceGain.Ai is not liable for indirect, incidental, special, consequential, exemplary, or punitive damages; for lost profits, data, or goodwill; or for decisions made by carriers or partners. Our aggregate liability arising out of the Services will not exceed the greater of one hundred U.S. dollars (US$100) or the amounts you paid us, if any, in the twelve months before the claim. Nothing in this section limits liability that cannot be limited by law.
17. Indemnification
You agree to defend, indemnify, and hold harmless InsuranceGain.Ai and its officers, employees, and partners from claims, damages, and expenses arising out of your breach of these Terms, your misuse of the Services, your violation of law or third-party rights, or — for carriers — the policies you issue, the pricing you submit, and your licensing and disclosure obligations.
18. Term, Suspension & Termination
These Terms apply while you use the Services. We may limit or end access when reasonably necessary for security, suspected fraud, legal compliance, violation of these Terms, or protection of users and partners. You may stop using the Services at any time and may request account deletion as described in the Data Controls page. Provisions that by their nature should survive — including intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution — survive termination.
19. Dispute Resolution & Arbitration
Before filing a claim, you agree to contact us and attempt to resolve the dispute informally for at least 30 days. To the fullest extent permitted by law, any dispute that cannot be resolved informally will be resolved by binding individual arbitration rather than in court, and you waive any right to a jury trial or to participate in a class action. Small-claims court matters and requests for injunctive relief to protect intellectual property or security may be brought in court. Where applicable law does not permit these waivers, they apply only to the extent permitted.
20. General Provisions
These Terms, with the incorporated policies, are the entire agreement between you and us regarding the Services. If a provision is found unenforceable, the remainder stays in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. We are not liable for delays caused by events beyond our reasonable control.
21. Changes & Contact
We may update these Terms and will post the revised effective date. For material changes, we will make reasonable efforts to notify you in advance. Continued use after an update means you accept the revised Terms. Applicable consumer rights that cannot be waived remain in effect. Questions may be sent through the customer-care channel displayed in your account.