Terms & Conditions

01 Acceptance of Terms

These Terms & Conditions govern access to and use of the GaryInsures website and the services offered through it. By browsing the site, submitting a form or creating an account, you agree to be bound by these terms. If you do not agree with any part of them, please do not use the website.

02 Use of the Website

The website may be used only for lawful purposes connected to exploring, comparing and requesting insurance coverage. When using the site you agree to:

• Provide information that is accurate, current and complete.
• Keep any account credentials confidential and accept responsibility for activity under your account.
• Refrain from interfering with the operation or security of the website.
• Refrain from copying, scraping or reusing site content for commercial purposes without permission.

03 Insurance Information Disclaimer

Content on this website is provided for general informational purposes about insurance coverage options. It does not constitute financial, legal or tax advice, and it is not a contract of insurance. Actual coverage terms, conditions, exclusions and pricing are established solely by the issuing insurance carrier in the policy documents it delivers.

04 Quotes and Coverage Requests

Quotes presented through GaryInsures are estimates based on the information supplied and on carrier rates available at the time of the request. Quotes are subject to change following underwriting review and are not a guarantee of coverage. Coverage becomes effective only when a carrier issues a policy and any required premium has been paid.

05 SMS and Communication Consent

By providing a phone number and selecting the relevant consents during signup, you authorize GaryInsures to contact you by text message and phone regarding account activity, saved coverage details, request confirmations, reminders and, where separately consented, marketing and promotional messages. Message frequency may vary and standard message and data rates may apply. Consent is not a condition of purchase, and you may text STOP at any time to unsubscribe or HELP for support.

06 Intellectual Property

All content on this website, including text, graphics, logos, images and page designs, belongs to GaryInsures or its licensors and is protected by applicable intellectual property laws. No content may be reproduced, distributed or modified without prior written permission, except for personal, non-commercial viewing.

07 Third Party Links and Carriers

The website may reference or link to insurance carriers and other third parties. Those parties operate under their own terms and privacy practices, and GaryInsures is not responsible for their content, products or conduct. Any dealings with third parties found through this site are between you and that party.

08 Limitation of Liability

To the fullest extent permitted by law, GaryInsures shall not be liable for any indirect, incidental, consequential or punitive damages arising from use of the website, reliance on its content or inability to access its services. Nothing in these terms limits liability that cannot be limited under applicable law.

09 Indemnification

You agree to indemnify and hold harmless GaryInsures from claims, damages, losses and expenses, including reasonable attorney fees, arising out of misuse of the website, violation of these terms or infringement of any rights of another party caused by your actions.

10 Arbitration and Dispute Resolution

Any dispute arising out of or relating to these terms or use of the website that cannot be resolved informally shall be settled by binding arbitration on an individual basis, rather than in court, except where applicable law provides otherwise. Both parties waive any right to participate in a class action related to such disputes.

11 Changes to These Terms

These terms may be revised from time to time. The date at the top of this page shows the most recent update. Continued use of the website after changes take effect constitutes acceptance of the revised terms. The Privacy Policy explains how personal information is handled and forms part of the overall agreement.

12 Governing Law

These terms are governed by the laws of the State of Georgia, without regard to conflict of law principles, and any matters not subject to arbitration shall be brought in courts located within Georgia.

13 Contact

Questions about these Terms & Conditions can be raised using the details below.