Terms of Service
Effective Date: July 26, 2025
1. Acceptance of Terms
By accessing or using InsurSEO's website, services, or SEO grader tool, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree to these terms, please do not use our services.
2. Description of Services
InsurSEO provides search engine optimization (SEO) services specifically designed for insurance agencies, brokers, and related businesses. Our services include:
- Free SEO analysis and grading tool
- AI-powered content generation for insurance websites
- Professional SEO audits and recommendations
- Ongoing SEO optimization services
- Content marketing for insurance websites
- Local SEO and citation building
- Technical SEO improvements
- Competitor analysis and tracking
⚠️ Service Limitations
All services are provided for general marketing and SEO purposes only. We do not provide legal, financial, or insurance-specific compliance advice. Our AI-generated content and SEO recommendations do not guarantee compliance with insurance regulations, DOI requirements, or any other legal standards.
3. Use of Our Services
Permitted Use
You may use our services for legitimate business purposes related to improving your insurance website's search engine visibility.
Prohibited Use
You agree not to:
- Use our services for any illegal or unauthorized purpose
- Attempt to gain unauthorized access to our systems
- Interfere with or disrupt our services
- Submit false or misleading information
- Use our tools to analyze websites you don't own without permission
- Reverse engineer or attempt to extract our proprietary algorithms
4. SEO Grader Tool and AI Services
Our free SEO grader tool and AI-powered services are provided "as is" for informational purposes. By using these tools, you acknowledge that:
- Results are estimates based on publicly available information and AI analysis
- SEO rankings depend on many factors beyond our analysis
- We do not guarantee specific ranking improvements or business results
- The tool analyzes publicly accessible website data only
- AI-generated content may require human review and editing
- AI recommendations are general in nature and not industry-specific advice
AI Content Disclaimer
Our AI-generated content is created using machine learning models and may not always be accurate, complete, or appropriate for your specific business needs. Users are solely responsible for reviewing, editing, and ensuring the accuracy and compliance of all AI-generated content before publication or use.
5. Professional Services
Service Agreements
Professional SEO services are provided under separate service agreements that outline specific deliverables, timelines, and pricing.
Performance Expectations
While we employ industry best practices, we cannot guarantee specific search engine rankings or traffic increases due to factors beyond our control, including:
- Search engine algorithm changes
- Competitor activities
- Industry market conditions
- Client website technical limitations
6. Payment Terms
For paid services:
- Payment is due according to the terms specified in your service agreement
- Late payments may result in service suspension
- Refunds are provided according to our 90-day money-back guarantee policy
- Disputed charges must be reported within 30 days
7. Intellectual Property
All content, tools, and methodologies provided by InsurSEO are our intellectual property. You may not:
- Copy, modify, or distribute our proprietary content
- Use our branding or trademarks without permission
- Reverse engineer our tools or processes
- Share login credentials or account access
8. Client Responsibilities
To ensure successful service delivery, clients must:
- Provide accurate and complete information
- Grant necessary website access and permissions
- Respond to requests for information in a timely manner
- Comply with all applicable laws and regulations, including insurance industry regulations
- Review and approve all AI-generated content before publication
- Ensure all marketing materials comply with DOI and other regulatory requirements
- Maintain current contact information
- Obtain necessary licenses and compliance certifications for their business
Regulatory Compliance
Clients in the insurance industry are solely responsible for ensuring all content, marketing practices, and business operations comply with applicable insurance regulations, Department of Insurance (DOI) requirements, and professional standards in their jurisdiction. We strongly recommend consulting with legal and compliance professionals.
9. Limitation of Liability
MAXIMUM LIABILITY LIMITATIONS
TO THE MAXIMUM EXTENT PERMITTED BY LAW:
- No Consequential Damages: InsurSEO shall not be liable for any indirect, incidental, consequential, punitive, or special damages, including lost profits, business interruption, or regulatory penalties
- Monetary Cap: Our total liability shall not exceed the lesser of $1,000 or the amount paid for services in the past 12 months
- Third-Party Actions: We are not responsible for third-party actions, search engine decisions, or regulatory enforcement actions
- Regulatory Compliance: We disclaim all liability for regulatory violations, fines, or compliance failures resulting from use of our services or AI-generated content
- AI Content: We are not liable for any consequences arising from the use of AI-generated content, including but not limited to inaccuracies, regulatory violations, or business losses
- Force Majeure: Force majeure events excuse performance delays and liability
- Data Loss: We are not liable for any data loss, corruption, or security breaches
10. Warranty Disclaimer
COMPLETE WARRANTY DISCLAIMER
"AS IS" BASIS: OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.
DISCLAIMED WARRANTIES: We specifically disclaim all warranties including but not limited to:
- Merchantability and fitness for a particular purpose
- Non-infringement of third-party rights
- Accuracy, completeness, or reliability of information
- Uninterrupted or error-free service
- Results or outcomes from using our services
- Compliance with industry regulations or standards
- Security of data transmission or storage
AI SERVICES: We make no warranties regarding the accuracy, completeness, or appropriateness of AI-generated content for any specific use case or regulatory environment.
THIRD-PARTY SERVICES: We disclaim all warranties related to third-party services, platforms, or integrations used in connection with our services.
11. Termination
Either party may terminate services:
- With 30 days' written notice for ongoing services
- Immediately for breach of these terms
- For non-payment after 15 days' notice
Upon termination, you must cease using our services and return any confidential information.
12. Confidentiality
Both parties agree to maintain the confidentiality of proprietary information shared during the business relationship. This includes:
- Business strategies and methodologies
- Client lists and contact information
- Financial information
- Technical specifications
13. Dispute Resolution
Any disputes arising from these terms shall be resolved through:
- Good faith negotiation as the first step
- Binding arbitration if negotiation fails
- Jurisdiction in the courts where InsurSEO is headquartered
14. Governing Law
These terms are governed by the laws of the United States and the state where InsurSEO is headquartered, without regard to conflict of law principles.
15. Changes to Terms
We reserve the right to modify these terms at any time. Material changes will be communicated via email or website notice. Continued use of our services after changes constitutes acceptance of the new terms.
16. Contact Information
For questions about these terms or our services, please contact us: