Terms and Conditions for FindTheory Insurance

Last Updated: June 17, 2025

Welcome to FindTheory Insurance (“FindTheory,” “we,” “us,” or “our”), accessible at findtheory.site. These Terms and Conditions (“Terms”) govern your use of our insurance comparison and quote platform (the “Service”). By accessing or using our website, you (“User,” “you,” or “your”) agree to comply with these Terms. If you do not agree, please refrain from using our Service.

1. Introduction & Purpose

FindTheory Insurance is an independent insurance comparison platform, not an insurance provider, broker, or underwriter. We facilitate comparisons by aggregating quotes and information from multiple insurers to help you make informed decisions. These Terms outline:

Your responsibilities as a user
Rules for using our platform
Our limitations of liability
How disputes are resolved

By using FindTheory Insurance, you acknowledge that:

We do not sell, underwrite, or guarantee insurance policies.
Quotes provided are estimates only—final terms are set by insurers.
You are responsible for verifying policy details before purchase.

2. Eligibility & Account Responsibilities

Who Can Use FindTheory Insurance?

Our Service is available to individuals who:

Are at least 18 years old (or the legal age of majority in their jurisdiction).
Provide accurate, current, and complete information when requesting quotes.
Use the platform for personal, non-commercial purposes (unless approved otherwise).

Account Security (If Applicable)

If you create an account with us, you agree to:

Keep login credentials confidential.
Notify us immediately of any unauthorized access.
Be responsible for all activities under your account.

We reserve the right to suspend or terminate accounts that violate these Terms.

3. Acceptable Use & Prohibited Conduct

Permitted Use

You may use FindTheory Insurance to:

Compare insurance quotes.
Research policy features.
Connect with licensed insurers.

Prohibited Activities

You may not:

Submit false, misleading, or fraudulent information.
Scrape, copy, or redistribute our data without permission.
Use bots, scripts, or automated tools to access our Service.
Engage in activity that disrupts our platform (e.g., hacking, spamming).
Misrepresent your identity or impersonate others.

Violations may result in termination of access and legal action.

4. Intellectual Property Rights

Ownership

All content on FindTheory Insurance—including logos, text, graphics, and software—is our exclusive property or licensed to us and protected by copyright/trademark laws.

Limited License

We grant you a non-exclusive, revocable license to:

Access and use our Service for personal, non-commercial purposes.
Share quotes via legitimate channels (e.g., email, social media).

You may not:

Modify, reverse-engineer, or resell our content.
Use our branding without written permission.

5. Disclaimers & Limitations of Liability

No Guarantee of Accuracy

While we strive for accuracy:

Quotes are estimates—insurers determine final premiums.
Policy terms, rates, and availability change frequently.
We do not guarantee all insurers are included in comparisons.

Third-Party Providers

We partner with insurers but do not control their:

Underwriting decisions.
Claims processes.
Customer service.

FindTheory is not liable for:

Denied claims, coverage disputes, or insurer actions.
Damages arising from reliance on our Service (e.g., financial losses).

Service Availability

We do not guarantee uninterrupted or error-free access and are not liable for technical issues beyond our control.

6. Privacy & Data Usage

Your privacy matters. Our Privacy Policy (linked here) explains how we collect, use, and protect your data. By using FindTheory Insurance, you consent to these practices.

Key points:

We do not sell your personal information.
Insurers may contact you based on your quote requests.
You can opt out of marketing communications.

7. Termination & Suspension

We reserve the right to:

Suspend or terminate access for violations of these Terms.
Modify or discontinue the Service at any time.

Users may stop using FindTheory Insurance at any time.

8. Dispute Resolution & Governing Law

Informal Resolution

Before legal action, you agree to:

Notify us of disputes via [[email protected]].
Allow 30 days for good-faith negotiations.

Legal Jurisdiction

These Terms are governed by the laws of [USA]. Any lawsuits must be filed in courts located in [Jurisdiction].

9. Changes to These Terms

We may update these Terms periodically. The “Last Updated” date at the top reflects revisions. Continued use after changes constitutes acceptance.

10. Contact Us

For questions about these Terms, email:
📩 [[email protected]]

Final Acknowledgement

By using FindTheory Insurance, you confirm that you:
✔ Have read and agree to these Terms.
✔ Understand we are not an insurer.
✔ Assume responsibility for your insurance decisions.

Thank you for trusting FindTheory Insurance—we’re here to help you find the right coverage, fairly and transparently.