Terms of Use
These Terms of Use govern your access to and use of the LunarQuote website and referral marketplace service (the “Service”).
1. Referral service only
The Service is intended to help businesses express interest in insurance relating to artificial-intelligence risks and to facilitate contact with appropriately licensed insurance professionals. The Service itself is not an insurance company, insurer, insurance policy, insurance agency or promise of insurance coverage.
2. No insurance is bound on this website
Information submitted through this website is not an insurance application and does not create, bind, change, renew or cancel insurance. Insurance coverage exists only when an authorized insurer or properly licensed insurance professional confirms that coverage has been bound in accordance with applicable law and the insurer’s requirements.
3. No guarantee of availability, price or eligibility
We do not guarantee that insurance will be available for any particular business, AI use, state or risk. Premiums, limits, deductibles, exclusions, conditions and eligibility are determined by insurers and licensed insurance professionals and may change.
4. Policy controls
Any description of possible risks or categories of insurance on this website is general educational information. If there is any conflict between this website and an actual insurance policy, quote, binder or endorsement, the applicable insurance contract and related documents control.
5. Third-party insurance professionals
We may refer or transmit your contact information to independent licensed agents, brokers, producers, agencies, wholesalers, MGAs or other insurance-market participants. Those third parties are responsible for their own advice, licensing, insurance transactions, privacy practices and services.
6. Your information
You agree to provide accurate information and not submit confidential trade secrets, protected health information, passwords, access credentials or detailed sensitive records through the general lead form. Insurance-specific information should be provided directly to the licensed insurance professional through the process they designate.
7. Acceptable use
You may not misuse the Service, attempt unauthorized access, interfere with site operation, submit fraudulent information, scrape the Service in a manner that disrupts it, or use the Service for unlawful activity.
8. Intellectual property
The website design, original text, branding and software are owned by their respective owners and may not be copied or republished except as permitted by law.
9. Disclaimer
To the maximum extent permitted by law, the Service is provided “as is” and “as available.” We disclaim warranties regarding uninterrupted availability, accuracy, completeness, merchantability, fitness for a particular purpose and non-infringement. Nothing on this website is legal, tax, accounting or insurance advice.
10. Limitation of liability
To the maximum extent permitted by law, the operator of this Service will not be liable for indirect, incidental, special, consequential, exemplary or punitive damages arising from use of the Service, third-party conduct, or the availability or non-availability of insurance.
11. Changes
We may update these Terms as the marketplace, licensing structure and partner network develop. The updated date above will reflect material revisions.
12. Contact
Questions about these Terms may be sent to support@lunarquote.com.