Term and Conditions

Welcome to Assertive Insurance. By accessing our website, services, or any digital platform operated by us, you acknowledge that you have read, understood, and agreed to these Terms & Conditions. These terms govern your use of our services, so please read them carefully. If you do not agree with any part of these terms, you should refrain from using our website and services.

Assertive Insurance provides insurance consultation, advisory assistance, and support services by connecting users with licensed insurance providers. While we strive to offer accurate and updated information, policy details, prices, terms, and features are subject to change at the discretion of insurance companies. We are not responsible for inaccuracies arising from third-party information or changes made by insurers without prior notice. Users are encouraged to verify all policy details directly with the respective insurance provider before making any decisions.

By using our services, you confirm that you are at least 18 years of age and legally capable of entering into a binding agreement. You agree to provide accurate and truthful information during consultations, applications, and communication. Any inaccuracies or false statements may affect policy issuance or claim processing, and we shall not be held responsible for consequences resulting from such discrepancies.

The information provided on our website, including articles, guidance, comparisons, and recommendations, is offered for general informational purposes only. Nothing on this website constitutes financial, legal, tax, or medical advice. Users must make independent decisions or consult licensed experts when necessary. Assertive Insurance is not responsible for decisions made by users based on the content available on this website.

All insurance policies, approvals, premium amounts, claim settlements, and underwriting decisions are made solely by the respective insurance companies. We act as facilitators and do not guarantee policy approvals, claim acceptance, pricing, or coverage. Any payment for premiums must be made directly to the insurance company through secure and approved channels. We do not store or process any sensitive payment data on our website.

Refunds and cancellations are governed entirely by the terms and conditions of the respective insurer. We do not control or influence refund timelines, cancellation fees, or claim-related reimbursements. Users should contact the insurer directly for refunds or policy cancellations. Our team may assist with guidance, but we do not have authority over refund decisions.

Users agree not to misuse the website in any way, including attempts to interfere with site operation, extract data, or engage in fraudulent activities. The website and all its content, including text, logos, graphics, images, and documents, are the exclusive property of Assertive Insurance. Unauthorized use, reproduction, modification, or distribution of any content is strictly prohibited.

All personal information shared with us is handled in accordance with our Privacy Policy. We may use this information to provide services, communicate updates, process inquiries, and improve user experience. We are committed to safeguarding user data but cannot be held responsible for breaches arising from third-party platforms, integrations, or unavoidable cyber incidents.

Assertive Insurance shall not be liable for financial loss, business interruptions, claim denials, data loss, or any indirect or consequential damages arising from the use of our services or the actions of insurance providers. All services are offered on an “as is” basis, and users agree to use the website and advisory services at their own risk.

We reserve the right to update, modify, or replace any part of these Terms & Conditions at our discretion without prior notice. Continued use of the website after changes signifies your acceptance of the revised terms. We encourage users to review this page periodically to stay informed.