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Terms & Conditions

Last Updated: January 15, 2026

Welcome to Insurance Plan Packages. These Terms and Conditions ("Terms") govern your access to and use of our website and the services we provide.

By accessing or using our website, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use our website or services.

1. Acceptance of Terms

By using our website, you confirm that you are at least 18 years of age and have the legal capacity to enter into these Terms. If you are using the website on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Description of Services

Insurance Plan Packages operates as an insurance comparison and referral service. We provide:

  • Information about various insurance products and carriers
  • Comparison tools and educational resources
  • Connection to licensed insurance advisors
  • Referrals to insurance carriers and partners for quotes and enrollment

Important: We are not an insurance company. We do not underwrite, issue, or service insurance policies directly. We act as an intermediary connecting consumers with licensed insurance providers.

3. No Guarantee of Coverage or Pricing

While we strive to provide accurate information, we do not guarantee that you will qualify for any particular insurance product, rate, or coverage. Final eligibility, pricing, and policy terms are determined solely by the insurance carriers based on their underwriting criteria. Rates shown on our website are estimates and may vary based on your individual circumstances, location, claims history, credit score, and other factors evaluated by carriers.

4. User Responsibilities

When using our website and services, you agree to:

  • Provide accurate, complete, and truthful information
  • Update your information promptly if it changes
  • Use the website only for lawful purposes and in compliance with these Terms
  • Not attempt to disrupt, damage, or interfere with the website's operation
  • Not use automated tools (bots, scrapers) to access the website without permission
  • Not impersonate any person or entity or misrepresent your affiliation
  • Not transmit viruses, malware, or other harmful code

5. Intellectual Property Rights

All content on this website, including text, graphics, logos, images, software, and design elements, is the property of Insurance Plan Packages or our licensors and is protected by copyright, trademark, and other intellectual property laws.

You may view and use the website for personal, non-commercial purposes. You may not copy, reproduce, distribute, modify, create derivative works, publicly display, or otherwise exploit any content from the website without our prior written consent.

6. Third-Party Links and Content

Our website may contain links to third-party websites, including insurance carrier sites. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party sites. Your interactions with third parties are solely between you and them. We encourage you to review the terms and policies of any third-party site you visit.

7. Disclaimers and Limitations of Liability

7.1 No Warranty

THE WEBSITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

7.2 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, Insurance Plan Packages AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE WEBSITE OR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE WEBSITE EXCEED ONE HUNDRED DOLLARS ($100).

8. Indemnification

You agree to indemnify, defend, and hold harmless Insurance Plan Packages and its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the website; (b) your violation of these Terms; (c) your violation of any rights of another party; or (d) any information you provide to us or through the website.

9. Consent to Contact

By providing your contact information through our website, you expressly consent to receive communications from Insurance Plan Packages and our insurance partners via telephone (including calls using an automatic dialing system or prerecorded voice), text message, and email at the number and address you provided. You understand that consent is not a condition of purchasing any goods or services, and you may opt out at any time. Standard message and data rates may apply to text messages.

10. Termination

We reserve the right to suspend or terminate your access to the website at any time, with or without notice, for any reason, including but not limited to violation of these Terms, fraudulent activity, or conduct we deem harmful to the website or other users. Upon termination, your right to use the website will immediately cease.

11. Governing Law and Dispute Resolution

11.1 Governing Law

These Terms and any dispute arising out of or related to them or the website shall be governed by and construed in accordance with the laws of the State of Texas, without regard to conflict of law principles.

11.2 Dispute Resolution

In the event of any dispute, claim, or controversy arising out of or relating to these Terms or the website, you agree to first contact us at info@insuranceplanpackages.com to attempt to resolve the matter informally.

If we cannot resolve the dispute informally, any legal action must be brought in the state or federal courts located in Texas, and you consent to the exclusive jurisdiction and venue of such courts.

12. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

13. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices or agreements published on the website, constitute the entire agreement between you and Insurance Plan Packages regarding your use of the website and supersede all prior or contemporaneous communications and proposals.

14. Changes to These Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page with a revised "Last Updated" date or by other means as appropriate. Your continued use of the website after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

15. Contact Information

If you have questions about these Terms, please contact us:

Insurance Plan Packages
Email: info@insuranceplanpackages.com
Phone: +1 855 764 0239

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