01Acceptance of Terms
These Terms and Conditions (“Terms”) govern your access to and use of the Azad Insurance website and any guidance provided by phone or email (together, the “Services”). By using our Services, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Services.
02Who We Are
Azad Insurance (“we,” “us” or “our”) is an independent insurance guidance service that helps consumers in the United States understand and compare auto, car, vehicle, travel and home insurance options.
Important: We are not an insurance company. We do not underwrite, issue, bind, renew or service insurance policies, and we do not pay claims. All policies are issued by independent insurance providers under their own terms.
03Our Services
Our Services include general educational information on our website and free conversations in which our specialists explain insurance concepts, coverage types and options that may be relevant to you. At your request, we may connect you with insurance providers or licensed agents who can prepare quotes and issue coverage.
04No Guarantee of Coverage, Rates or Savings
Information on our website and provided during calls is general in nature and is offered for educational purposes. It is not legal, tax or financial advice. We do not guarantee that you will qualify for any policy, receive a particular rate or achieve any savings. Final pricing, eligibility, coverage terms, exclusions and approval decisions are made solely by the insurance provider. Always read your policy documents carefully before purchasing.
05Eligibility
You must be at least 18 years old and a resident of the United States to use our Services. By using the Services, you confirm that you meet these requirements.
06Your Responsibilities
- Provide information that is accurate, current and complete. Inaccurate details given to an insurance provider may affect quotes, coverage or claims.
- Use the Services only for lawful purposes and only for yourself or people you are authorized to represent.
- Not attempt to disrupt, hack, scrape or otherwise interfere with our website or systems.
- Not impersonate any person or misrepresent your relationship with anyone.
07Calls & Communications
Calls may be monitored or recorded for quality, training and compliance purposes. If you give us permission to contact you, you agree that we may reach you at the phone number or email address you provide. Consent to receive calls or texts is not a condition of using our Services, and you may withdraw it at any time by telling us, replying STOP to a text or emailing info@azadinsurance.com. Message and data rates may apply.
08Fees
Our guidance is provided to consumers free of charge. We may receive compensation from insurance providers or partners when we connect you with them; this does not increase the price you pay. Premiums and any fees for an insurance policy are paid directly to the insurance provider and are governed by that provider’s terms. Please see our Refund Policy for more details.
09Intellectual Property
All content on this website, including text, graphics, illustrations, logos and design, is owned by or licensed to Azad Insurance and is protected by copyright and trademark laws. You may view and print pages for personal, non-commercial use only. You may not copy, reproduce, distribute or create derivative works without our prior written permission.
10Third-Party Providers & Links
When we connect you with an insurance provider or agent, your relationship with that party is governed by their own terms and privacy policy. We are not responsible for their products, services, decisions, claims handling or websites. Links to third-party websites are provided for convenience only.
11Disclaimer of Warranties
The Services are provided “as is” and “as available” without warranties of any kind, either express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. We do not warrant that the website will be uninterrupted, error-free or free of viruses or other harmful components.
12Limitation of Liability
To the fullest extent permitted by law, Azad Insurance and its owners, employees and partners will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss arising from your use of the Services, your reliance on information provided, or any decision made by an insurance provider. Our total liability for any claim relating to the Services will not exceed one hundred US dollars ($100).
13Indemnification
You agree to indemnify and hold harmless Azad Insurance from any claims, losses, damages and expenses, including reasonable attorneys’ fees, arising from your misuse of the Services, your violation of these Terms or your provision of false information.
14Governing Law & Disputes
These Terms are governed by the laws of the United States and the state in which Azad Insurance is registered, without regard to conflict-of-law rules. Before filing any claim, you agree to contact us first so we can try to resolve the issue informally. If any provision of these Terms is found unenforceable, the remaining provisions will remain in full effect.
15Changes to These Terms
We may update these Terms from time to time. Changes take effect when posted on this page with a revised “Last updated” date. Continued use of the Services after changes are posted means you accept the revised Terms.
16Contact Us
Questions about these Terms? Get in touch: