InsurVibes
Terms of Service

These Terms of Service ("Terms") are entered into between you ("User," "you," or "your") and InsurVibes LLC, a Michigan limited liability company ("InsurVibes," "Company," "we," "us," or "our"). These Terms govern your access to and use of the InsurVibes website located at insurvibes.com (the "Site"), including all content, features, tools, and services made available through the Site (collectively, the "Services").

By accessing or using the Site in any manner — including browsing, reading content, using interactive tools, submitting information, or communicating with the AI assistant — you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

These Terms apply to all visitors, registered users, and other individuals who access or use the Site, regardless of whether they submit any information to InsurVibes or request any agent referral service.

As used in these Terms, the following capitalized terms have the meanings set forth below:

The Services provided by InsurVibes consist exclusively of:

• General educational content about insurance concepts, products, and terminology
• Interactive tools (needs quiz, cost estimator) provided for illustrative educational purposes only — not insurance quotes or coverage offers
• An AI-powered assistant that answers general insurance questions in plain English
• An optional referral service connecting Users who explicitly request it with independent licensed insurance agents
• Blog articles, glossary entries, and other educational resources

Nothing on the Site constitutes insurance advice, a recommendation to purchase any specific insurance product, or a solicitation to purchase insurance from any particular company. All cost estimates, coverage illustrations, and premium ranges are general educational approximations only and do not constitute insurance quotes, coverage offers, or actuarial determinations.

InsurVibes operates in compliance with the Michigan Insurance Code and applicable DIFS guidance, including the provisions of MCL 500.1207(3) governing referral fees by unlicensed persons. For complete disclosure of InsurVibes' licensing status and activities, see our full Disclaimer.

To access and use the Site, you represent and warrant that:

• You are at least 18 years of age, or the age of majority in your jurisdiction if older;
• You have the legal capacity to enter into binding agreements;
• You are not barred from accessing the Site under any applicable law;
• Any information you submit to the Site is accurate, current, and complete to the best of your knowledge;
• You will use the Site only for lawful purposes and in accordance with these Terms.

The Site is intended for users located in the United States. InsurVibes makes no representation that the content or Services are appropriate or available in other jurisdictions. Users accessing the Site from outside the United States do so at their own risk and are solely responsible for compliance with applicable local laws.

The Referral Service is currently available primarily in the State of Michigan. Users in other states may still access educational content but may have limited access to agent referrals depending on licensure availability in their jurisdiction.

You agree to use the Site and Services only for their intended educational purposes and in compliance with these Terms, applicable law, and commonly accepted standards of online conduct. Specifically, you may:

• Browse, read, and download educational content for personal, non-commercial use
• Use the needs quiz and interactive tools for personal educational purposes
• Submit questions to the AI assistant for general insurance education
• Submit your contact information to request an introduction to a licensed insurance agent
• Share links to Site content for non-commercial, informational purposes with attribution to InsurVibes

You agree that you will not:

• Use the Site in any way that violates applicable federal, state, local, or international law or regulation
• Submit false, misleading, or fraudulent information through any form, quiz, or AI chat on the Site
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity
• Attempt to gain unauthorized access to any portion of the Site, its servers, or any related systems or networks
• Introduce viruses, trojans, worms, logic bombs, or other malicious or harmful code to the Site
• Use automated means (bots, crawlers, scrapers) to access, collect, or index the Site's content without InsurVibes' prior written consent
• Attempt to circumvent, disable, or interfere with security features of the Site
• Use the Site to transmit unsolicited commercial communications
• Interfere with or disrupt the integrity or performance of the Site or third-party services connected to it
• Use the AI assistant to generate content intended to mislead, deceive, or harm others
• Attempt to manipulate, circumvent, or "jailbreak" the AI assistant to produce content outside its intended educational scope
• Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Site or its content without express written permission from InsurVibes
• Frame or mirror the Site on any other website without InsurVibes' prior written authorization
• Use any InsurVibes trademarks, logos, or brand elements without prior written consent
• Collect or harvest personally identifiable information from the Site without authorization

InsurVibes reserves the right to investigate any suspected violation of these prohibitions and to take appropriate action, including removing content, blocking access, and cooperating with law enforcement authorities.

The Site and all of its Content — including but not limited to text, articles, guides, glossary entries, quiz questions, tool designs, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software — are the property of InsurVibes LLC or its content suppliers and are protected by United States and international copyright, trademark, trade secret, and other intellectual property laws.

InsurVibes grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Site and its Content solely for your personal, non-commercial educational purposes in accordance with these Terms. This license does not include:

• Any resale or commercial use of the Site or Content
• Any collection and use of product listings, descriptions, or prices
• Any derivative use of the Site or Content
• Any downloading or copying of account information for the benefit of any third party
• Any use of data mining, robots, or similar data gathering and extraction tools

All rights not expressly granted herein are reserved by InsurVibes LLC. Any unauthorized use of the Site or its Content terminates the limited license granted above and may constitute copyright infringement, trademark infringement, or other violations subject to civil and criminal liability.

If you believe that Content on the Site infringes your copyright, please contact us at legal@insurvibes.com with a description of the work you claim has been infringed and the location on the Site where the allegedly infringing material appears.

When you submit information to the Site — through contact forms, quiz responses, AI chat conversations, or any other means — you represent that:

• The information is truthful, accurate, and not misleading
• You have the right to submit the information and doing so does not violate any third-party rights
• The information does not contain viruses, malware, or other harmful code
• The submission complies with these Terms and all applicable laws

By submitting any information to the Site, you grant InsurVibes a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such information for the purpose of providing and improving the Services, subject to our Privacy Policy.

InsurVibes does not claim ownership of User Content. The grant of rights above is limited to what is reasonably necessary to operate, improve, and promote the Services.

InsurVibes offers an optional Referral Service through which Users who explicitly request it may be introduced to independent licensed insurance agents. The following terms govern your use of the Referral Service:

9.1 User-initiated only. The Referral Service is activated only upon your explicit request — through the contact form, AI assistant, or other designated submission mechanism. Submitting your contact information to InsurVibes for general educational purposes (such as receiving a guide or subscribing to content) does not constitute a request for an agent referral and does not authorize InsurVibes to share your information with Referred Agents.

9.2 Agent independence. Referred Agents are independent licensed insurance professionals. They are not employees, agents, contractors, or representatives of InsurVibes. InsurVibes does not supervise, control, direct, or endorse the advice, recommendations, or actions of any Referred Agent. Any professional advice, quotations, or representations made by a Referred Agent are made solely in that agent's independent capacity.

9.3 Referral fee disclosure. In accordance with MCL 500.1207(3) of the Michigan Insurance Code, InsurVibes may receive a flat referral fee from Referred Agents for facilitating introductions. This fee is not contingent upon whether you purchase any insurance product or take any other action following the introduction. InsurVibes does not receive commissions, premiums, or any compensation tied to insurance transactions.

9.4 No obligation. Submitting a referral request does not obligate you to meet with, work with, purchase from, or take any action in connection with any Referred Agent. You may decline any introduction at any time without consequence.

9.5 No warranty. InsurVibes makes no warranty regarding the quality, accuracy, suitability, or outcomes of any advice or services provided by Referred Agents. InsurVibes is not responsible for any losses, damages, or outcomes resulting from your interaction with a Referred Agent or any insurance decision you make following such interaction.

InsurVibes, its subsidiaries, affiliates, and licensors do not warrant that:

• The Site will function uninterrupted, securely, or without errors at any particular time or location
• Any errors or defects will be corrected
• The Site is free of viruses or other harmful components
• The results of using the Site will meet your requirements
• Any content on the Site is accurate, complete, reliable, current, or applicable to your specific situation

The AI assistant ("Vibe") is a general educational tool powered by a large language model. Its responses may contain errors, outdated information, or statements that are inapplicable to your specific circumstances. AI-generated content should never be relied upon as a substitute for advice from a licensed insurance professional, attorney, financial advisor, or other qualified expert.

This disclaimer of warranties is incorporated into and supplements InsurVibes' full Disclaimer, which governs InsurVibes' licensing status and the nature of all content and services on the Site.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

11.1 Exclusion of damages. IN NO EVENT SHALL INSURVIBES LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, LICENSORS, OR CONTENT SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR ANY OTHER INTANGIBLE LOSSES, ARISING FROM OR RELATED TO:

• Your access to, use of, or inability to access or use the Site or Services
• Any reliance on content, information, or tools provided through the Site
• Any insurance decision made based in whole or in part on Site content
• Any interaction with or services provided by a Referred Agent
• Any unauthorized access to or alteration of your transmissions or data
• Any conduct or content of any third party on or connected to the Site
• Any responses generated by the AI assistant

11.2 Aggregate cap. IN NO EVENT SHALL INSURVIBES' TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SITE EXCEED THE GREATER OF (A) THE TOTAL AMOUNT PAID BY YOU TO INSURVIBES, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00 USD).

11.3 Jurisdictional variation. Some jurisdictions do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, so some of the above limitations may not apply to you. In those jurisdictions, InsurVibes' liability shall be limited to the greatest extent permitted by applicable law.

11.4 Basis of bargain. You acknowledge that InsurVibes has set its terms and made the Services available to you in reliance upon the limitation of liability and disclaimers set forth herein, and that these provisions form an essential basis of the bargain between you and InsurVibes.

12.1 Informal resolution. Before initiating any formal legal proceeding, you agree to attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Site informally by contacting InsurVibes at legal@insurvibes.com. InsurVibes will attempt to resolve disputes informally within 30 days of receiving notice.

12.2 Binding arbitration. If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or the Services — including questions about the existence, validity, or termination of these Terms — shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration shall take place in Oakland County, Michigan, or virtually at the parties' mutual agreement. The arbitrator's decision shall be final and binding, subject only to review on the grounds available under the Federal Arbitration Act.

12.3 Class action waiver. YOU AND INSURVIBES AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION. Unless both parties agree otherwise, the arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

12.4 Exceptions. Notwithstanding the foregoing, either party may seek emergency equitable relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration, and claims related to intellectual property infringement may be brought in court. These exceptions do not waive either party's right to arbitrate other claims.

12.5 Governing law. These Terms and any dispute arising out of or relating to them shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to its conflict of law provisions. For any claims not subject to arbitration, you consent to exclusive jurisdiction in the state and federal courts located in Oakland County, Michigan.

12.6 Statute of limitations. Any claim arising under these Terms must be brought within one (1) year of the date the claim arose, or it shall be forever barred.

13.1 Changes to Terms. InsurVibes reserves the right to modify these Terms at any time in its sole discretion. Changes will be effective immediately upon posting to this page. The "Last reviewed" date in the sidebar reflects the most recent revision. Your continued use of the Site after any changes constitutes your acceptance of the updated Terms. We encourage you to review these Terms periodically.

If InsurVibes makes material changes that significantly affect your rights or obligations under these Terms, we will make reasonable efforts to notify you through a prominent notice on the Site prior to the changes taking effect.

13.2 Changes to Services. InsurVibes reserves the right at any time and without notice to: modify, suspend, or discontinue the Site or any portion thereof; add, remove, or change features of the Services; change any fees or charges associated with any portion of the Services (though the core educational content is currently provided free of charge).

13.3 Termination of access. InsurVibes reserves the right, in its sole discretion, to terminate or suspend your access to all or any part of the Site for any reason, including but not limited to violation of these Terms, without prior notice or liability. Upon termination, your right to use the Site immediately ceases.

13.4 Survival. The following sections shall survive any termination of these Terms: Section 2 (Definitions), Section 7 (Intellectual Property), Section 10 (Disclaimers), Section 11 (Limitation of Liability), Section 12 (Dispute Resolution), and Section 14 (General Provisions).

14.1 Entire agreement. These Terms, together with the Privacy Policy and Disclaimer, constitute the entire agreement between you and InsurVibes regarding your use of the Site and supersede all prior agreements, understandings, representations, and warranties relating to such subject matter.

14.2 Severability. If any provision of these Terms is held invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall continue in full force and effect.

14.3 Waiver. InsurVibes' failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver of any provision shall be effective unless made in writing and signed by a duly authorized representative of InsurVibes.

14.4 Assignment. You may not assign or transfer your rights or obligations under these Terms without InsurVibes' prior written consent. InsurVibes may assign its rights and obligations under these Terms freely, including in connection with a merger, acquisition, or sale of assets.

14.5 No third-party beneficiaries. These Terms are for the sole benefit of you and InsurVibes and do not create any third-party beneficiary rights.

14.6 Force majeure. InsurVibes shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including acts of God, natural disasters, pandemic, war, terrorism, civil unrest, government action, power failures, internet or telecommunications failures, or third-party service disruptions.

14.7 Electronic communications. By using the Site, you consent to receive communications from InsurVibes electronically. InsurVibes will communicate with you by email or through notices posted on the Site. You agree that all agreements, notices, disclosures, and other communications that InsurVibes provides electronically satisfy any legal requirement that such communications be in writing.

14.8 Contact. Questions, comments, or requests regarding these Terms should be directed to: