Terms of Services

01Acceptance of These Terms

These Terms of Services govern access to and use of the ThomasPrime website and the guidance services offered through it. By visiting the site, creating an account, or submitting a request, the visitor agrees to be bound by these terms together with the Privacy Policy.

Anyone who does not agree with any part of these terms should stop using the site. Continued use after changes are posted counts as acceptance of the updated terms.

02Nature of the Services

ThomasPrime provides information, comparisons and personal guidance related to home, auto, health and life insurance. The site helps visitors understand coverage options and connect with suitable plans.

ThomasPrime is not itself an insurance carrier. Final policy terms, pricing, underwriting decisions and claim outcomes rest with the issuing insurance company. Information on the site is offered for general guidance and does not replace the wording of an actual policy document.

03Eligibility

The services are intended for U.S. residents who are of legal adult age in their state. By using the site, the visitor confirms meeting these conditions and having the legal capacity to enter into agreements.

04Accounts and Accuracy of Information

Creating an account requires accurate, current and complete details. Each account holder is responsible for:

• Keeping login credentials confidential and secure
• All activity that occurs under the account
• Updating personal details promptly when they change
• Providing truthful information in every form and request

Accounts created with false information, or used in a harmful or unlawful way, may be suspended or closed without prior notice.

05Communications and SMS Consent

By opting in during signup, the account holder agrees to receive service and marketing communications from ThomasPrime by SMS, phone and email. These may include activity updates, saved coverage details, request confirmations, reminders and promotional messages about insurance coverage options.

Message frequency may vary and standard message and data rates may apply. Consent to marketing messages is not a condition of purchase. Text STOP at any time to unsubscribe, or HELP for support. Opting out of marketing does not affect essential service notifications.

06Acceptable Use

Visitors agree not to misuse the site. The following conduct is prohibited:

• Submitting false, misleading or fraudulent information
• Attempting to breach, probe or bypass any security measure
• Using bots, scrapers or automated tools without written permission
• Copying, reselling or redistributing site content for commercial gain
• Interfering with the site's operation or other visitors' use of it

07Intellectual Property

All content on this site, including text, layout, graphics, logos and imagery, belongs to ThomasPrime or its licensors and is protected by applicable intellectual property laws. Content may be viewed and printed for personal, non-commercial use only. Any other use requires prior written permission.

08Third-Party Links and Services

The site may reference or link to third-party websites, insurance carriers or tools. Those resources operate under their own terms and privacy practices. ThomasPrime does not control and is not responsible for third-party content, availability or conduct, and a link does not imply endorsement.

09Disclaimers

The site and its services are provided on an "as is" and "as available" basis. While reasonable care goes into keeping information accurate and current, no warranty is made that the site will be uninterrupted, error-free or that any particular coverage outcome will be achieved. Insurance availability, pricing and terms are set by the issuing carriers and can change.

10Limitation of Liability

To the fullest extent permitted by law, ThomasPrime shall not be liable for indirect, incidental, special or consequential damages arising from use of the site or reliance on its content. This includes loss of data, loss of savings or disputes between a policyholder and an insurance carrier. Nothing in these terms limits liability where the law does not allow such limits.

11Arbitration and Dispute Resolution

Any dispute arising out of these terms or use of the site that cannot be resolved informally shall be settled by binding individual arbitration, rather than in court, except where the law provides otherwise. Both parties waive the right to participate in class actions. Before starting arbitration, the complaining party agrees to first reach out using the contact details below so a good-faith resolution can be attempted.

12Changes to These Terms

These terms may be revised from time to time to reflect changes in the services or the law. The effective date above shows when the current version took force. Material changes will be posted on this page, and continued use of the site after posting counts as acceptance.

13Contact

Questions about these Terms of Services are welcome through the contact page or the details below.