Terms of Service

1. Acceptance of Terms

By accessing or using the FairShare insurance platform, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services.

2. Description of Services

FairShare provides a platform for browsing, comparing, and purchasing voluntary insurance products. We act as an authorized agent connecting you with insurance carriers. The actual insurance coverage is provided by the respective carrier, not by FairShare.

3. Eligibility

You must be at least 18 years of age and a legal resident of the United States to purchase insurance products through our platform. Some products may have additional eligibility requirements as specified in their terms.

4. Account and Information Accuracy

You are responsible for providing accurate, current, and complete information during the application process. Providing false or misleading information may result in denial of coverage, policy cancellation, or denial of claims.

5. Payments and Billing

• Premiums are billed according to the billing cycle of your selected plan (monthly or annually).
• You authorize us to charge your payment method on file for recurring premiums.
• Failed payments may result in policy lapse after a grace period.
• Refund policies vary by product and are subject to the terms of the insurance carrier.

6. Insurance Coverage

Coverage terms, conditions, exclusions, and limitations are governed by the insurance policy issued by the carrier. The product descriptions on our platform are summaries only and do not constitute the full terms of coverage. Please review your policy documents carefully.

7. Cancellation

You may request cancellation of your coverage at any time. Some products may have waiting periods before coverage becomes effective. Cancellation processing and refund timelines are determined by the insurance carrier.

8. External Products

Some products listed on our platform are provided by third-party partners. When you click through to an external product, you will be subject to that partner's terms of service and privacy policy. FairShare is not responsible for external partner services.

9. Limitation of Liability

FairShare acts as a platform and agent for insurance distribution. We are not the insurance carrier and do not underwrite, adjust, or pay claims. Our liability is limited to the proper functioning of the platform and accurate transmission of your application data.

10. Intellectual Property

All content on this platform, including text, graphics, logos, and software, is the property of FairShare or its licensors and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works without written permission.

11. Changes to Terms

We reserve the right to modify these terms at any time. Material changes will be communicated to active policyholders via email. Continued use of the platform after changes constitutes acceptance of the revised terms.

12. Contact

For questions about these terms, please contact us at [email protected].