Terms of Use

Educational guidance only

Insure Lens is not an insurance company, insurance broker, agent, carrier, or legal, tax, or financial adviser. Coverage maps, suggested limits, and AI-generated explanations are general educational information. They are not insurance quotes, offers to sell insurance, underwriting decisions, or personalized professional advice.

AI limitations and your responsibility

Automated systems can produce inaccurate, incomplete, or outdated information and may not account for every law, exclusion, endorsement, or fact relevant to you. Do not rely on Insure Lens to purchase, cancel, renew, or change a policy. You are responsible for reviewing actual policy documents and consulting a licensed insurance professional.

No guarantee of coverage or price

Insurance availability, eligibility, terms, and prices are determined only by the applicable licensed insurer or producer. You should verify coverage limits and exclusions with a licensed professional before purchasing a policy.

Acceptable use

You may use the service for personal, lawful purposes. You may not interfere with the service, submit misleading information, attempt to bypass security measures, or use automated means to create artificial assessments or sponsored-link clicks. If you create an account, you are responsible for keeping your password confidential and for activity that occurs under your account until you notify us of unauthorized access.

Accounts, saved assessments, and deep dives

Creating an account is optional. You may complete an assessment, view the full coverage map, and use sponsored quote links without registering.

Registration uses your email address and a password. We create a consumer session immediately. You must enter a verification code from that email before we attach (“claim”) an assessment to your account, reopen saved reports, export your data, show profile or other account-center information, or run a per-coverage deep dive. Until the email is verified, the only account-center action available is the minimum delete-account flow.

Sign-in and registration are available from the site header and, when you choose Save or Refine, from a dialog on the result page. These dialogs do not change the page URL. If you sign in or complete email verification while viewing a result page, and your email is verified, we may automatically claim that assessment to your account so it appears in Saved reports. We do not auto-claim from other pages. Older reports created before accounts existed may not be claimable.

You are responsible for your password and for activity on your account until you tell us it was used without permission. Do not submit Social Security numbers, policy numbers, medical diagnoses, or similar sensitive identifiers in any field.

You may export a JSON copy of your verified account data, and you may delete your account. Deletion removes credentials, profile fields, sessions, verification and reset tokens, and claim metadata, and deletes or irreversibly anonymizes linked assessments as described in the Privacy Policy. Phase 2 account-data export is JSON only. We may suspend or terminate accounts that violate these Terms or pose a security risk.

External partners

Sponsored quote links may lead to third-party sites. Those sites are independent of Insure Lens and have their own terms, privacy policies, and eligibility requirements. We are not responsible for their content, products, or services.

No warranties

To the fullest extent permitted by law, the service and all content are provided “as is” and “as available.” We disclaim all express and implied warranties, including accuracy, completeness, merchantability, fitness for a particular purpose, non-infringement, availability, and security. We do not warrant that the service will be uninterrupted or error-free.

Limitation of liability

To the fullest extent permitted by law, Insure Lens and its operators, affiliates, service providers, and personnel will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, lost profits or data, or losses arising from reliance on coverage guidance, use of third-party sites, or inability to use the service. Our aggregate liability for claims relating to the service will not exceed the greater of $100 or the amount you paid us to use the service during the preceding 12 months. Some jurisdictions do not allow certain exclusions, so these limits may not apply to you.

Indemnification

To the extent permitted by law, you agree to indemnify and hold harmless Insure Lens and its operators from third-party claims, losses, and expenses arising from your unlawful misuse of the service, violation of these Terms, or infringement of another person’s rights.

Eligibility, ownership, and termination

You must be at least 18 years old and legally able to agree to these Terms. The service, branding, software, and original content are owned by or licensed to the operator of Insure Lens. We may restrict or discontinue the service, or suspend access for misuse, at any time.

Changes and general terms

We may update these Terms by posting a revised effective date. Continued use after an update means you accept the revised Terms. If any provision is unenforceable, the remaining provisions continue in effect. These Terms, together with the Privacy Policy and Affiliate Disclosure, are the entire agreement concerning your use of the service.

Contact and disputes

Contact us through the Contact page before filing a claim so we can try to resolve the issue informally. Applicable consumer-protection rights cannot be waived by these Terms.