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Terms of Use

Last updated: April 30, 2026. These Terms govern access to and use of the Simple Insurance website (the “Site”) operated by Simple Insurance (“we”, “us”). By using the Site or submitting a request through it, you agree to these Terms.

These Terms are provided for operational clarity. They are not legal advice. Have qualified counsel adapt them for your legal entity, licensing context, and jurisdictions before relying on them in production.

Agreement to these Terms

If you do not agree to these Terms, do not use the Site. We may update these Terms from time to time; the “Last updated” date reflects the current version. Continued use after changes means you accept the updated Terms to the extent permitted by law.

What the Site does (and does not do)

The Site offers a lightweight way to submit a request for help with home and/or auto insurance. We may facilitate introduction or routing of that request to relevant licensed insurance professionals or partners when you provide the consent required on the form.

Simple Insurance:

  • Is not an insurer and does not guarantee coverage, pricing, savings, approvals, or outcomes.
  • Does not, through the Site experience described here, complete a full insurance application on your behalf or perform underwriting.
  • Does not present the Site as an instant quote engine; any quotes, binders, or policy decisions happen between you and the professional or carrier you deal with directly.

Eligibility and acceptable use

You represent that you have the legal capacity to agree to these Terms in your jurisdiction and that information you submit is submitted in good faith. You will not misuse the Site, attempt to interfere with its operation, scrape it in violation of applicable law or our technical controls, submit unlawful content, impersonate others, or use the Site for purposes unrelated to insurance help requests without our prior written permission.

Your submissions

You are responsible for the accuracy of information you provide. You acknowledge that submitting a request does not create a contract of insurance and does not obligate you to purchase insurance. Consent language shown on the form at the time of submission governs how we may collect, use, and share information for that request, together with our Privacy Policy.

Independent professionals and third parties

Insurance professionals and partners who may respond to your request are independent of Simple Insurance unless we say otherwise in a specific written agreement with you (which we do not create through this Site by default). Their advice, representations, pricing, and services are theirs—not ours. Your relationship with them is directly between you and them.

Intellectual property

The Site’s design, text, graphics, branding, and other content (excluding your submissions) are owned by us or our licensors and are protected by applicable intellectual property laws. You receive a limited, revocable, non-exclusive license to access the Site for personal, non-commercial use consistent with these Terms.

Disclaimers

THE SITE AND ANY RELATED SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Nothing on the Site is insurance, legal, tax, or financial advice from Simple Insurance. For decisions about coverage or purchases, rely on licensed professionals you choose and applicable disclosures they provide.

Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SIMPLE INSURANCE AND ITS AFFILIATES, DIRECTORS, EMPLOYEES, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR ANY THIRD PARTY’S ACTS OR OMISSIONS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SITE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED CANADIAN DOLLARS (CAD $100), IF YOU PAID NOTHING.

SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN THOSE CASES, OUR LIABILITY IS LIMITED TO THE FULLEST EXTENT ALLOWED BY LAW.

Indemnity

To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless Simple Insurance and its affiliates, directors, employees, and suppliers from claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of your misuse of the Site, your breach of these Terms, or your violation of applicable law or third-party rights.

Privacy

Our collection and use of personal information is described in the Privacy Policy, which is incorporated by reference into these Terms for that limited purpose.

Suspension

We may suspend or discontinue any part of the Site, or restrict access, where reasonably necessary for security, compliance, or operational reasons.

General

These Terms are the entire agreement between you and Simple Insurance regarding the Site (unless we expressly agree otherwise in writing on a separate matter).

If a provision is unenforceable, the remainder remains in effect. Failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.

Governing law and venue should be confirmed with your counsel for your entity and customers. Until you replace this with jurisdiction-specific language, you may describe the governing law as the laws applicable where the Site operator is established, without choosing a venue in these template Terms.