1. Acceptance of Terms
By accessing and using KatyInsure’s website and auto insurance services ("Services"), you agree to comply with and be bound by the following terms and conditions. If you do not agree with these terms, please do not use our website or services.
2. Definitions
For the purposes of these Terms and Conditions, the following definitions apply:
- "Company" refers to KatyInsure, an auto insurance brokerage operating in the United States.
- "Site" refers to www.katyinsure.com and all associated web pages.
- "Services" refers to auto insurance quotes, policy comparisons, and related assistance provided through our platform.
- "User" refers to any individual who visits or uses our Site.
- "Client" refers to a User who requests or purchases auto insurance through our Services.
3. Use License
You may access and temporarily download content from our Site for personal, non-commercial use only. This license does not permit:
- Modification or resale of any Site content
- Use of automated tools (e.g., bots, scrapers) to extract data
- Use of our trademarks, logos, or copyrighted materials without written permission
- Any activity that could impair the functionality or security of the Site
4. Auto Insurance Services
4.1 Brokerage Role
KatyInsure is an independent auto insurance broker that connects drivers with licensed insurance carriers. We do not underwrite policies or act as an insurer.
4.2 Quotes and Accuracy
Auto insurance quotes are estimates based on the information you provide. Final rates and coverage are subject to verification and approval by the insurance carrier.
4.3 Policy Activation
Your auto insurance policy becomes effective only after the carrier issues the policy and receives your initial payment. Coverage is not guaranteed until this step is complete.
5. User Responsibilities
As a user of our auto insurance services, you agree to:
- Provide truthful, complete, and up-to-date information about yourself and your vehicle
- Comply with all state and federal auto insurance requirements
- Notify us of any changes that may affect your coverage (e.g., address, vehicle use)
- Make timely premium payments as required by your policy
- Not misuse our Site or Services for fraudulent or unlawful purposes
6. Privacy and Data Protection
We collect and process personal information (e.g., name, driver’s license, vehicle details) to provide auto insurance quotes and services. Our use of your data is governed by our Privacy Policy, which is incorporated by reference into these Terms.
7. Disclaimers
7.1 No Guarantee of Coverage
Submitting a quote request does not guarantee approval or issuance of an auto insurance policy. Final decisions rest with the insurance carrier.
7.2 Informational Purpose Only
Content on our Site is for general informational purposes and does not constitute professional insurance, legal, or financial advice. Consult a licensed agent for personalized guidance.
8. Limitations of Liability
To the fullest extent permitted by law, KatyInsure shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of our Site or Services, including but not limited to errors in quotes, delays in policy issuance, or reliance on Site content.
9. Accuracy of Information
While we strive for accuracy, auto insurance rates, coverage options, and carrier details may change without notice. KatyInsure does not guarantee the completeness or timeliness of information on the Site.
10. Third-Party Links
Our Site may link to third-party websites (e.g., insurance carriers). We do not control these sites and are not responsible for their content, privacy practices, or availability.
11. Payment Terms
11.1 Premium Payments
Auto insurance premiums are payable according to your carrier’s billing schedule. Late or missed payments may result in policy cancellation.
11.2 Service Fees
KatyInsure does not charge clients for quote services. However, certain optional services (e.g., policy management tools) may incur fees, which will be disclosed before purchase.
11.3 Refunds
Refund eligibility is determined by your insurance carrier’s policy terms. KatyInsure will assist with refund requests but cannot guarantee outcomes.
12. Cancellation and Termination
You may discontinue use of our Services at any time. Termination of your relationship with KatyInsure does not cancel your active auto insurance policy, which remains governed by your carrier’s terms.
13. Governing Law
These Terms are governed by the laws of the State of Texas, USA. Any legal disputes will be resolved in the courts of Harris County, Texas.
14. Modifications
KatyInsure reserves the right to update these Terms at any time. Continued use of our Site after changes constitutes acceptance of the revised Terms.
15. Contact Information
For questions about these Terms or our auto insurance services, contact us:
- Address: 1615 Poydras Street, New Orleans, LA 70112
- Phone: +1 (504) 203-6562
- Email: [email protected]