Terms & Conditions

These Terms and Conditions govern access to and use of this website, operated under the name MyPolicyWise, together with any guidance, tools, forms, and related services made available through it. By visiting the site, creating an account, submitting a request, or otherwise using any part of the service, the visitor confirms that these Terms have been read, understood, and accepted in full.

Anyone who does not agree with any part of these Terms should stop using this website. Continued use of the site after the Terms have been published or revised constitutes acceptance of the version in effect at the time of use. The Privacy Policy forms part of these Terms and describes how personal information is handled.

MyPolicyWise provides guidance and educational material that helps visitors understand and compare insurance options across auto, home, health, Medicare, life, and final expense coverage. The service includes plain language explanations of policy types, side by side reviews of coverage features, and assistance with quote requests and related inquiries.

All material presented on this website is general in nature and is intended to help visitors ask better questions and make informed decisions. It does not account for every personal circumstance, and it should not be treated as legal, financial, tax, or medical advice. Any final decision about purchasing, changing, or cancelling coverage rests with the visitor and the insurance carrier that issues the policy.

Use of this website is limited to residents of the United States who are of legal adult age in their state of residence. By registering, the visitor confirms that this requirement is met and that all details provided during signup are truthful, current, and complete.

Creating an account may require a name, email address, phone number, and password. Each account holder is responsible for the following:

• Keeping login credentials confidential and secure at all times.
• Ensuring that the information attached to the account remains accurate and up to date.
• All activity that takes place under the account, whether or not it was authorized.
• Notifying MyPolicyWise promptly through the contact page if unauthorized use is suspected.

MyPolicyWise reserves the right to suspend or close any account that contains false information, violates these Terms, or is used in a way that could harm the service or other visitors.

During signup, visitors may choose to receive text messages related to their account and insurance inquiries, such as activity updates, saved coverage details, request confirmations, and reminders. Visitors may also separately agree to receive marketing and promotional text messages about coverage options. Each of these permissions is given through the consent selections presented on the signup form.

Consent to receive text messages is not a condition of using this website or of purchasing any product. Message frequency varies with account activity, and standard message and data rates from the visitor's mobile carrier apply. A visitor can withdraw consent at any time by replying STOP to a message or can request assistance by replying HELP. Withdrawal of marketing consent does not affect service messages that are necessary to complete an active request.

This website may be used only for lawful purposes connected to exploring insurance coverage. When using the site, visitors agree not to do any of the following:

• Submit false, misleading, or incomplete information in any form or account field.
• Impersonate another person or misrepresent an affiliation with any person or organization.
• Use automated tools, scrapers, or bots to access, copy, or monitor any part of the site.
• Attempt to probe, disable, overload, or interfere with the site, its security features, or its infrastructure.
• Upload or transmit malicious code, or attempt to gain unauthorized access to accounts or systems.
• Use the service to harass, defraud, or harm any person, or to violate any applicable law or regulation.

MyPolicyWise may restrict or terminate access for any visitor who breaches these rules, in addition to any other remedy available under law.

All content on this website, including text, graphics, logos, page layouts, images, and underlying code, is the property of MyPolicyWise or its licensors and is protected by copyright, trademark, and other intellectual property laws. The MyPolicyWise name and logo may not be used without prior written permission.

Visitors are granted a limited, personal, non exclusive, and non transferable license to view and use the site for their own insurance research. No part of the site may be copied, reproduced, republished, distributed, sold, or exploited for any commercial purpose without written consent from MyPolicyWise. Any rights not expressly granted in these Terms are reserved.

MyPolicyWise is not an insurance company. This website does not underwrite, issue, bind, or service insurance policies, and it does not make coverage decisions of any kind. All policies are issued by independent insurance carriers, and the terms, conditions, exclusions, and pricing of any policy are determined solely by the issuing carrier.

Nothing on this website guarantees that coverage will be offered, approved, or renewed, or that any particular premium, benefit, or discount will be available. Quotes and comparisons are estimates based on the information provided and may change once a carrier completes its own review. The site and all of its content are provided on an as is and as available basis, without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non infringement.

To the fullest extent permitted by applicable law, MyPolicyWise shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or related to the use of, or inability to use, this website or any guidance obtained through it. This includes, without limitation, damages for lost profits, lost savings, denied claims, lapsed coverage, loss of data, or the cost of substitute services, even if the possibility of such damages was known.

Where liability cannot be excluded, the total aggregate liability of MyPolicyWise for all claims connected to the service shall be limited to the greatest extent permitted by the law of the visitor's state of residence. Some jurisdictions do not allow certain exclusions or limitations, so parts of this section may not apply to every visitor.

Before starting any formal proceeding, a visitor with a concern is encouraged to raise it through the contact page so that an informal resolution can be attempted first. Most issues can be settled quickly once they are described clearly.

If a dispute cannot be resolved informally, the visitor and MyPolicyWise agree that the dispute shall be resolved through binding individual arbitration rather than in court, except for matters that qualify for small claims court. Arbitration shall take place on an individual basis only. Both parties waive any right to participate in a class action, class arbitration, or other representative proceeding, and both parties waive the right to a trial by jury. These Terms are governed by the laws of the State of Washington, without regard to its conflict of law rules.

MyPolicyWise may revise these Terms from time to time to reflect changes in the service, in applicable law, or in business practice. When changes are made, the updated version will be posted on this page and the date line at the top of this page will be refreshed.

Visitors are encouraged to review this page periodically. Continued use of the website after revised Terms have been posted means the revised Terms have been accepted. If a change is not acceptable, the visitor's only remedy is to stop using the site and, where applicable, close the account.

Questions about these Terms and Conditions, account matters, or anything else related to this website can be raised through the details below or by using the contact page.

• Phone+1 (509) 348-7186
• Address811 W 2nd Ave Spokane WA 99201