Legal
Terms of Use
Last updated: August 28, 2026
Acceptance
By accessing InsuranceCalculator.io ("the site") you agree to these Terms of Use. If you do not agree, do not use the site.
Educational purpose only
All calculators, content and outputs are provided for general informational and educational purposes. They are not insurance quotes, offers, binders or contracts, and they are not insurance, legal, tax, actuarial or financial advice. We are not an insurance agency, broker or producer, and no agent-client or fiduciary relationship is created by using the site.
No warranty of accuracy
The calculators use simplified models and rule-of-thumb assumptions that may not reflect current rates, your state's regulations, or a specific insurer's underwriting. Results may differ materially from actual premiums or coverage. You are responsible for verifying any figure with a licensed professional before acting on it.
The site is provided "as is"
To the fullest extent permitted by law, the site is provided without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the site will be uninterrupted, error-free or secure.
Limitation of liability
To the fullest extent permitted by law, InsuranceCalculator.io and its operators will not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits, data, coverage or savings, arising from your use of or reliance on the site.
Third-party links and advertising
The site contains advertising and links to third-party websites, including insurance partners. We may earn advertising revenue or affiliate commissions from these. We do not control and are not responsible for third-party content, products, services or privacy practices. Inclusion of a link is not an endorsement.
Intellectual property
The site's text, design and code are owned by InsuranceCalculator.io or its licensors. You may use the calculators for your personal, non-commercial planning. You may not scrape, republish or create derivative works from the site without permission.
Changes
We may modify the site or these Terms at any time. Continued use after changes constitutes acceptance.
Governing law
These Terms are governed by the laws of the United States and the state in which the site operator is domiciled, without regard to conflict-of-laws rules.