Terms and Conditions
1. Introduction
Welcome to ShieldWise ("we," "our," or "us"). By accessing or using our website and services, you agree to comply with and be bound by these Terms and Conditions. Please read them carefully. If you do not agree to these terms, you should not use our website.
2. Services Description
ShieldWise provides an online platform that allows users to research insurance products, perform needs assessments, and connect with licensed insurance carriers or agents. We are a marketing and lead generation platform; we are NOT a licensed insurance carrier, agent, or agency. We do not sell, solicit, or negotiate insurance policies. The actual insurance policies are provided by third-party insurance companies.
3. User Obligations
By using our services, you represent that you are at least 18 years old and that all information you provide is accurate and complete. You agree not to use our website for any fraudulent or unlawful purposes.
4. Intellectual Property
All content on this website, including text, graphics, logos, and software, is the property of ShieldWise and is protected by intellectual property laws. You may not reproduce or distribute any content without our prior written consent.
5. Limitation of Liability
ShieldWise is not liable for any damages arising from your use of our website or the services provided by third-party insurance carriers. We do not guarantee that any specific insurance product will be available to you or that you will qualify for any particular rate.
6. Disclaimers
Our services are provided "as is" without any warranties. We do not guarantee the accuracy of quotes or information provided by third-party carriers. Any financial or insurance decisions you make should be based on your own research and consultation with a licensed professional.
7. Governing Law
These Terms and Conditions are governed by the laws of the State of New York, without regard to its conflict of law principles.
8. Contact Us
If you have any questions about these Terms and Conditions, please contact us at support@shieldwise.co.
