These Terms of Use govern your access to and use of the websites RateMyInsurer.us, RateMyInsurer.xyz, and IHateMyInsurance.com and services provided by Rate My Insurer, LLC (collectively, the "Service"). By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of the terms, you may not access the Service.
To post reviews or access certain features of our Service, you may need to create an account. You must provide accurate, current, and complete information during the registration process and keep your account information updated.
You are responsible for safeguarding the password you use to access the Service and for any activities or actions under your account. You agree not to disclose your password to any third party.
You retain ownership of all Content you submit to The Sites. By creating, submitting, or posting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, and display such Content. You also agree that this license allows us to make this Content available to other companies or individuals for any purpose.
When posting Content on The Sites, you agree that your Content will abide by the content policy and your Content will not:
You may only post reviews about insurers with whom you have had a genuine customer experience. You must be able to provide evidence of this relationship if requested.
We reserve the right to edit, remove, or refuse to post any Content, in whole or in part, that we determine in our sole discretion violates these Terms or is otherwise objectionable.
You agree not to engage in any of the following activities:
The Service and its original content (excluding Content provided by users), features, and functionality are and will remain the exclusive property of Rate My Insurer, LLC and its licensors.
The RateMyInsurer.xyz name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Rate My Insurer, LLC or its affiliates. You may not use these marks without our prior written permission.
To the maximum extent permitted by law, Rate My Insurer, LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your access to or use of, or inability to access or use, the Service.
The Service is provided on an "AS IS" and "AS AVAILABLE" basis. We do not guarantee the accuracy, completeness, or reliability of any Content or information on the Service. Your use of the Service is at your own risk.
You agree to defend, indemnify, and hold harmless Rate My Insurer, LLC and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your access to or use of the Service or your violation of these Terms.
Our Service may contain links to third-party websites or services that are not owned or controlled by Rate My Insurer, LLC. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.
These Terms shall be governed by and construed in accordance with the laws of Alabama, without regard to its conflict of law provisions.
We reserve the right to modify or replace these Terms at any time. It is your responsibility to review these Terms periodically for changes. Your continued use of the Service following the posting of any changes constitutes acceptance of those changes.
We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms.
If you have any questions about these Terms, please contact us at:
Email: contact@ratemyinsurer.com
Please also review our Privacy Policy and Content Policy, which are incorporated by reference into these Terms of Use and govern our collection and use of your information and the content standards for our platform.