Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your use of the Get a Car Insurance website and services. By accessing or using our website, you acknowledge that you have read, understood, and agree to be bound by these Terms.

2. Description of Service

Get a Car Insurance provides:

• An online car insurance premium estimation calculator
• Educational information about car insurance
• General guidance on insurance factors and considerations
• Tools to help users understand potential insurance costs

We do not sell insurance, provide official quotes, or act as an insurance broker or agent.

3. User Eligibility

To use our services, you must:

• Be at least 16 years of age (or the minimum driving age in your jurisdiction)
• Have the legal capacity to enter into agreements
• Provide accurate and truthful information
• Comply with all applicable laws and regulations

4. Permitted Use

You may use our website and services for lawful purposes only. You agree not to:

• Use the service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our services
• Use automated tools to access our website (bots, scrapers)
• Reverse engineer or attempt to extract our algorithms
• Transmit viruses, malware, or harmful code
• Violate the rights of other users or third parties

5. Intellectual Property Rights

All content on our website, including but not limited to text, graphics, logos, software, and design, is the property of Get a Car Insurance or its licensors and is protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, reproduce, or distribute our content without permission
• Use our trademarks or logos without authorization
• Create derivative works based on our content
• Use our content for commercial purposes without a license

6. User-Generated Content

When you submit information through our contact forms or feedback systems:

• You retain ownership of your content
• You grant us a license to use your feedback to improve our services
• You represent that your content does not violate any rights
• You agree not to submit inappropriate, offensive, or harmful content

7. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

8. Disclaimers and Limitations

Service Availability

We do not guarantee that our website will be available at all times or that it will be error-free. We reserve the right to modify, suspend, or discontinue our services at any time.

Accuracy of Information

While we strive to provide accurate information and estimates, we make no warranties about the completeness, reliability, or accuracy of our content or calculations.

9. Limitation of Liability

To the fullest extent permitted by law, Get a Car Insurance and its affiliates shall not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Damages resulting from use or inability to use our services
• Decisions made based on our estimates or information
• Technical failures or security breaches

Our total liability shall not exceed the amount you paid for our services (which is currently $0 as our basic service is free).

10. Indemnification

You agree to indemnify and hold harmless Get a Car Insurance, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit through our website

11. Termination

We may terminate or suspend your access to our services at any time, with or without cause or notice, for conduct that we believe:

• Violates these Terms or our policies
• Is harmful to other users or our business
• Exposes us to legal liability
• Is otherwise inappropriate

12. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction where our primary business operations are located, without regard to conflict of law principles.

For users in different countries:

• United States: Subject to applicable federal and state laws
• Canada: Subject to applicable federal and provincial laws
• United Kingdom: Subject to UK laws and regulations
• Australia: Subject to Australian Consumer Law and state regulations

13. Changes to Terms

We reserve the right to modify these Terms at any time. When we make changes:

• We will update the "Last Updated" date
• Significant changes will be highlighted on our website
• Continued use after changes constitutes acceptance
• We may notify users via email for material changes

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, the remaining provisions will continue to be valid and enforceable to the fullest extent permitted by law.

15. Entire Agreement

These Terms, together with our Privacy Policy and Disclaimer, constitute the entire agreement between you and Get a Car Insurance regarding your use of our services.

16. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

• Email: info@getacarinsurance.com
• Subject Line: Terms and Conditions Inquiry

17. Acknowledgment

By using our website and services, you acknowledge that you have read these Terms and Conditions, understand them, and agree to be bound by them. You also acknowledge that you have read our Privacy Policy and Disclaimer.

If you are using our services on behalf of a company or organization, you represent that you have the authority to bind that entity to these Terms.