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The following terms and conditions of use (the "Terms and Conditions") govern your use of the www.InsuranceDirectRates.com (the "Site"). The Site is made available by InsuranceDirectRates (the "Site Proprietor" or "we").

By using the site, you accept and agree to these terms and conditions as applied  to your use of the site. If you do not agree to these Terms and Conditions, you may not access or otherwise use the Site. We may change the Terms and Conditions from time to time, and at any time without notice to you, by posting such changes on the Site. By using the Site following any modifications to the Terms and Conditions, you agree to be bound by any such modifications to the Terms and Conditions. You may only use the Site if you are domiciled in the United States and you are 18 years old or older.

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Disclaimer of Warranties

The site, including, without limitation, all services, content, functions and materials, is provided “as is,” “as available”, without warranty of any kind, either express or implied, including, without limitation, any warranty for information, data, data processing services, or uninterrupted access, any warranties concerning the availability, accuracy, usefulness, or content of information, and any warranties of title, non-infringement, merchantability or fitness for a particular purpose, and we hereby disclaim any and all such warranties, express and implied. We do not warrant that the site or the services, content, functions or materials contained therein will be timely, secure, uninterrupted or error free, or that defects will be corrected.

We make no warranty that the site will meet users’ requirements. No advice, results or information, whether oral or written, obtained by you from us or through the site shall create any warranty not expressly made herein. If you are dissatisfied with the site, your sole remedy is to discontinue using the site. You should not rely on the site to maintain any user submission; you should retain all such data and information in your own records for use in the event that the site fails or is unavailable, or the data or information is lost.