Terms of Service
Effective date: April 23, 2026.
These Terms of Service govern your access to and use of Insurhi, a platform-style insurance information and comparison website. By using this website, you agree to these terms.
1. Platform role and service scope
Insurhi provides educational content, product and provider discovery paths, and claims-related guidance. We are a platform operator and do not act as your insurer, underwriter, broker, legal advisor, or financial advisor unless explicitly stated in a separate written agreement.
2. No guarantee of coverage or pricing
Insurance availability, policy terms, premiums, and claim outcomes are determined by third-party insurers or partners. Content on this website is for general informational purposes and does not constitute a binding offer or guarantee.
3. User eligibility and account responsibilities
- You must use the platform lawfully and provide accurate information in forms and requests.
- You are responsible for maintaining the confidentiality of any account credentials you use.
- You must promptly notify us of unauthorized use or suspected security incidents.
4. Acceptable use
You agree not to abuse, interfere with, reverse engineer, scrape at abusive rates, or otherwise misuse the platform. We may suspend or restrict access to protect users, partners, and service integrity.
5. Third-party links and partner services
Our platform may link to insurers, providers, and partner sites. Those services are controlled by third parties and subject to their own terms and privacy policies. Insurhi is not responsible for third-party content, availability, or decisions.
6. Privacy and data handling
Your use of the website is also subject to our Privacy Policy, which describes how data is collected, used, shared, and retained in a platform context. By using this website, you acknowledge those practices.
7. Intellectual property
All platform branding, content structure, editorial frameworks, and site materials are owned by Insurhi or licensed to us. You may not reproduce or distribute site content beyond personal, non-commercial use without permission.
8. Disclaimers
- The service is provided on an as-is and as-available basis.
- We do not warrant uninterrupted availability, completeness, or error-free operation at all times.
- Users should verify critical insurance terms directly with providers before purchase decisions.
9. Limitation of liability
To the maximum extent permitted by law, Insurhi and its affiliates are not liable for indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the platform.
10. Indemnification
You agree to indemnify and hold harmless Insurhi from claims, liabilities, and expenses resulting from your misuse of the platform, violation of these terms, or infringement of third-party rights.
11. Compliance and regulatory cooperation
We may preserve or disclose information when reasonably necessary to comply with legal obligations, enforce platform policies, prevent fraud, or protect rights, safety, and security.
12. Modifications to services or terms
We may update platform features and these Terms from time to time. Continued use after updates become effective constitutes acceptance of the revised terms.
13. Governing law and dispute handling
These terms are governed by applicable laws of the jurisdiction designated by Insurhi operations, unless otherwise required by mandatory local law. Disputes should first be raised through our contact channel for resolution.
14. Contact
For legal or policy questions about these Terms, contact: legal@insurhi.com