Terms of Service | Insurance Guide Pro

1. Acceptance of Terms

By accessing and using 2026new.com ("the Site"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree, please do not use the Site.

2. Description of Service

Insurance Guide Pro provides free educational content about insurance topics, including:

• Articles, guides, and comparisons for life, health, auto, home, and pet insurance
• Interactive insurance calculators and cost estimators
• Educational resources and FAQs
• Links to third-party insurance providers and comparison platforms

3. No Professional Advice — Critical Disclaimer

• We are not a licensed insurance agent, broker, or agency.
• We do not underwrite, issue, or sell insurance policies.
• Calculators provide estimates only — actual premiums and coverage vary significantly.
• Always consult a licensed insurance professional in your state before making coverage decisions.
• State insurance laws and regulations vary; our content may not reflect your jurisdiction's requirements.

4. Intellectual Property

All content on this Site — including articles, calculators, graphics, logos, code, and design — is owned by or licensed to Insurance Guide Pro and protected by copyright, trademark, and other intellectual property laws.

• You may access and view content for personal, non-commercial use.
• You may not reproduce, distribute, modify, create derivative works, or publicly display content without written permission.
• You may not use our content for AI training, scraping, or automated collection.
• Short excerpts (under 100 words) may be shared with attribution and a link to the original article.
• For licensing or syndication inquiries: partners@2026new.com

5. Calculator Tools

Our interactive calculators are provided as educational tools. By using them, you agree:

• Results are estimates based on simplified models and industry averages.
• We make no warranty of accuracy, completeness, or applicability to your situation.
• Calculator inputs are processed client-side — we do not collect or store your data.
• Do not rely solely on calculator output for financial decisions.

6. Third-Party Links & Services

The Site contains links to third-party websites, including insurance companies, comparison marketplaces, and government resources.

• We do not control, endorse, or assume responsibility for third-party content, accuracy, or practices.
• Your interactions with third parties are solely between you and them.
• We may earn affiliate commissions from some third-party links (see Advertising Disclaimer).
• Third-party sites have their own terms and privacy policies — review them before providing information.

7. Advertising & Google AdSense

We display advertisements via Google AdSense to support our free content.

• Ads are served by Google and subject to Google's Advertising Policies.
• We do not control specific ad content — ads are determined by Google based on your browsing history and site content.
• You can opt out of personalized ads at Google Ads Settings.

8. User Conduct

You agree not to:

• Use the Site for any unlawful purpose or in violation of these Terms.
• Attempt to gain unauthorized access to any portion of the Site or its systems.
• Use automated tools (bots, scrapers, crawlers) to extract content without permission.
• Transmit viruses, malware, or harmful code.
• Impersonate any person or entity or misrepresent your affiliation.
• Interfere with the Site's operation or other users' enjoyment.

9. Disclaimers & Limitation of Liability

9.1 No Warranties

THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY.

9.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, INSURANCE GUIDE PRO AND ITS OFFICERS, EMPLOYEES, AND CONTRIBUTORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES, ARISING FROM YOUR USE OF THE SITE.

9.3 Indemnification

You agree to indemnify and hold harmless Insurance Guide Pro from any claims, damages, or expenses arising from your violation of these Terms or misuse of the Site.

10. Modifications to Terms

We may update these Terms at any time. The "Last Updated" date will be revised. Material changes will be posted prominently on the Site. Continued use after changes constitutes acceptance.

11. Termination

We may suspend or terminate your access to the Site at any time, without notice, for conduct that violates these Terms or is harmful to other users or the Site. Upon termination, your right to use the Site ceases immediately.

12. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict of law principles.

Any dispute arising from these Terms or your use of the Site shall be resolved through binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, on an individual basis (not as a class action). The arbitration shall be conducted in English in Delaware, or remotely by mutual agreement.

13. Contact Information

Questions about these Terms? Contact us:

These Terms of Service are designed to comply with Google AdSense program policies and applicable consumer protection laws.