Terms of Use

What PolicyCheck Is

PolicyCheck is an educational tool designed to help homeowners better understand their insurance policies. Our Tool analyzes declarations pages to provide a plain-English summary of your coverage, limits, deductibles, and potential gaps.

What PolicyCheck Is Not

PolicyCheck is not an insurance company, insurance broker, insurance agent, or licensed financial advisor. We do not sell, recommend, or endorse any insurance products or providers.

The information provided by our Tool and educational content is for general informational purposes only and does not constitute insurance advice, financial advice, or legal advice. You should always consult a licensed insurance professional for specific questions about your coverage needs, policy changes, or claims.

Accuracy and Limitations

While we strive to provide accurate and helpful analysis, our Tool processes documents using automated technology and may not capture every detail, endorsement, or exclusion in your policy. The analysis is based solely on the information contained in the document you upload. It does not account for verbal agreements with your agent, pending policy changes, or other factors that may affect your coverage.

We do not guarantee the completeness or accuracy of any analysis. You are responsible for verifying any information provided by our Tool with your insurance provider.

Your Use of the Service

You agree to use PolicyCheck only for lawful purposes and in accordance with these Terms. You agree to upload only documents that you are authorized to share, to provide accurate information when using our contact form, and not to attempt to disrupt, overload, or interfere with the proper functioning of our site or Tool.

Document Upload and Processing

When you upload a document to our Tool, you grant us a limited, temporary license to process that document solely for the purpose of generating your analysis. This license terminates immediately upon completion of the analysis, at which point the document is permanently deleted. We retain no copies of your uploaded documents.

Intellectual Property

All content on this site — including text, graphics, logos, design, and educational articles — is the property of PolicyCheck and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without prior written permission.

Limitation of Liability

To the fullest extent permitted by law, PolicyCheck shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site or Tool. This includes, without limitation, any damages resulting from decisions made based on information provided by our Tool or educational content.

Our total liability for any claim arising from your use of our services shall not exceed the amount you paid to use the service (which, as a free service, is zero).

Disclaimer of Warranties

Our Site and Tool are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated date. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

Contact

If you have questions about these Terms, please contact us.