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Terms & Conditions

TERMS & CONDITIONS

By accessing or using the Site and Services, you agree to be bound by these Terms of Use, which constitute a legal contract between you and HIN. If you do not agree with these Terms of Use, please do not continue to use the Site or the Services.

The Services provided through the Site include free information, insurance quotes, tools, and recommendations for insurance and financial decisions. Please note that the provided information is generally for informational purposes, while commercial information is available at the point of sale.

When using the Services, you may encounter third-party insurance products, brokers, and carriers through advertisements, quotes, purchases, emails, or other marketing media. Be aware that third parties may contact you on our behalf.

Our Services also involve quoting, brokering, and transacting first- and third-party insurance products as a licensed insurance agency.

Quotes or quote ranges provided on the Site or over the phone are non-binding. The final insurance policy premium is determined by the underwriting insurance company after application. Insurance availability and products may vary by state and individual circumstances, with additional minimum coverage limits potentially required.

To access certain areas and services, you may need to register for an account, which is essential for purchasing, storing, and managing insurance policies. Your registration information must be truthful and accurate, and you are responsible for updating it as needed. All personal information provided to us is subject to our Privacy Policy.

By submitting unsolicited information, such as comments or ideas, you agree to the non-confidential and non-proprietary nature of such information. We may use and disclose such information for various purposes, including product development and marketing.

Your use of the Services involves transmitting information, including personally identifiable information, which is governed by our Privacy Policy. We may disclose information to authorities or third parties in connection with any investigation or claim arising from your use of the Website.

You are responsible for defending, indemnifying, and holding LHG harmless from any claims or actions arising from your breach of these Terms of Use or misuse of the Site or Services.

The Site may contain links to third-party websites (External Sites). We have no control over External Sites and are not responsible for their content. Any feedback regarding external links is welcome.