Terms of Use

Eligibility

You must be at least 18 years old and a legal resident of the United States to use this site or request a quote. By using the site you represent that you meet these requirements.

Quotes are estimates only

Any premium, rate, or coverage figure shown on the site is an estimate only, based on the limited information you provide and assumptions about typical underwriting outcomes. Estimates are not a quote, offer, binder, or guarantee of coverage, eligibility, or final pricing.

Not an offer of insurance or financial advice

Nothing on this site constitutes an offer to sell or solicitation to buy insurance in any jurisdiction where such an offer or solicitation would be unlawful. The content on this site is for general informational purposes only and is not legal, financial, tax, or insurance advice. You should consult a licensed professional before making any insurance, financial, or other decision.

Final rates and eligibility

Final rates, terms, and eligibility for any insurance product are determined solely by the issuing insurance carrier after a complete application and underwriting review, conducted with the assistance of a licensed insurance agent. Product availability, features, and pricing vary by state and by carrier and may change at any time.

Your account and information

You agree to provide accurate, current, and complete information when using the site, including in the quote form. You are responsible for the information you submit. Use of the site is also governed by our Privacy Policy.

Acceptable use

You agree not to:

• Use the site for any unlawful purpose or in violation of these Terms
• Submit false, misleading, or fraudulent information
• Interfere with or attempt to disrupt the site or its security
• Scrape, copy, or harvest content or data from the site without our prior written consent
• Use any automated means to access the site other than ordinary search-engine indexing

Intellectual property

The site, including its design, text, graphics, logos (including the BeneHub name and badger mascot), and software, is owned by BeneHub or its licensors and is protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works without our prior written permission.

Third-party links and services

The site may link to or integrate with third-party websites and services (including insurance carriers, scheduling tools, analytics providers, and consent-verification providers). We are not responsible for the content, policies, or practices of any third party.

"As-is" disclaimer

THE SITE AND ALL CONTENT, INCLUDING QUOTE ESTIMATES, ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR AVAILABILITY. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BENEHUB AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND PARTNERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SITE OR ANY ESTIMATE PROVIDED THROUGH IT. OUR AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US$100).

Indemnification

You agree to defend, indemnify, and hold harmless BeneHub and its affiliates from and against any claims, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the site, your submission of information, or your violation of these Terms.

Changes to the site and Terms

We may modify, suspend, or discontinue the site (or any part of it) at any time without notice. We may also update these Terms from time to time. The updated Terms will be posted on this page with a new "Last updated" date.

Governing law

These Terms are governed by the laws of the State of North Carolina, without regard to its conflict of laws principles. You and BeneHub agree to the exclusive jurisdiction of the state and federal courts located in that state for any dispute arising out of or relating to these Terms or the site, except where prohibited by applicable law.

Contact us

Questions about these Terms? Contact us at legal@benehub.com.