Terms of Use

Effective Date: October 14, 2025

These Terms of Use (“Terms”) govern your access to and use of https://superratesonly.com/ (the “Site”). By accessing or using the Site, you agree to these Terms. If you do not agree, do not use the Site.

1. About Our Site

SuperRatesOnly.com is an informational and advertising resource. We are not an insurance company, broker, or agent and do not provide insurance quotes, bind coverage, or make underwriting decisions. We may display links or phone numbers to third-party advertisers, lead generators, or comparison platforms (“Partners”). Any products or services you obtain are provided solely by the applicable Partner under their terms and policies.

2. No Professional Advice

Content on the Site is for general informational purposes only and is not insurance, legal, financial, or professional advice. Always review policy documents and consult a licensed professional before making decisions.

3. User Responsibilities

• Use the Site only for lawful purposes and in compliance with these Terms and applicable laws.
• Do not interfere with the Site’s operation, attempt to access non-public areas, or introduce malware.
• If you submit information (e.g., by email or future forms), you represent that it is accurate and that you have the right to provide it.

4. Third-Party Links & Partners

The Site may link to third-party websites, offers, or contact methods. We are not responsible for their content, products, services, or policies. Your dealings with Partners are solely between you and the Partner.

5. Intellectual Property

The Site and its contents (text, graphics, logos, design, and compilation) are owned by us or our licensors and are protected by applicable laws. You may not reproduce, distribute, or create derivative works without our prior written permission.

6. Disclaimers

THE SITE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE ERROR-FREE, UNINTERRUPTED, OR FREE OF HARMFUL COMPONENTS.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE. OUR AGGREGATE LIABILITY FOR ANY CLAIMS RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).

8. Indemnification

You agree to defend, indemnify, and hold harmless SuperRatesOnly.com and our affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Site or violation of these Terms.

9. Changes to the Site and Terms

We may modify or discontinue all or part of the Site without notice. We may update these Terms from time to time; the Effective Date above indicates the latest version. Your continued use of the Site constitutes acceptance of the updated Terms.

10. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of New York, without regard to conflict of laws rules. Any disputes arising out of or relating to these Terms or the Site will be brought exclusively in the state or federal courts located in New York County, New York, and you consent to personal jurisdiction and venue in those courts.

11. Contact

Questions about these Terms? Email us at [email protected].