Terms & Conditions

Acceptance of Terms

By accessing and using the Insurance CLB website and services, you accept and agree to be bound by these Terms and Conditions. If you do not agree, please do not use our services.

Nature of Service

Insurance CLB provides an independent insurance consultation and referral service. We are NOT an insurance company, carrier, broker, or underwriting agency. We do not issue, sell, underwrite, or bind insurance policies. Our service consists of educational consultation and referrals to licensed insurance providers.

No Insurance Advice

The information provided on this website is for educational and informational purposes only. It does not constitute insurance advice, legal advice, or financial advice. Always consult with a licensed insurance professional for advice specific to your situation.

Referral Service

When you submit a quote request, you consent to being contacted by Insurance CLB and licensed insurance providers in our network. You are not obligated to purchase any insurance product. All insurance transactions are between you and the licensed insurance provider directly.

Compensation

Insurance CLB may receive referral compensation from licensed insurance providers. This does not create any obligation for you, and you pay no additional cost for our referral service.

Limitation of Liability

Insurance CLB shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our service, including any decisions made based on information provided on this website.

Third-Party Providers

We are not responsible for the products, services, or conduct of third-party insurance providers we refer you to. All insurance purchases, policy terms, premiums, claims, and coverage decisions are solely the responsibility of the licensed insurance provider.

Changes to Terms

We reserve the right to modify these terms at any time. Continued use of our service after changes constitutes acceptance of the updated terms.

Contact

For questions about these Terms, contact us at info@insuranceclb.com.