Terms and Conditions
Last Updated: January 15th, 2026
ACCEPTANCE OF TERMS OF USE Please review these Terms of Use (together with our Privacy Policy, the “Agreement”). Policy Heaven (“Policy Heaven”, “PolicyHeaven.com”, “we” or “us”), is the owner and operator of the PolicyHeaven.com website (together with all content, tools and services provided on or in connection with such website, the “Website”). You must be a resident of the United States (including its territorial possessions) and at least eighteen (18) years of age to access and use the Website. By accessing, browsing or using this Website, or any page thereof, through any direct or indirect means, or by using the tools, forms or services offered in or through the Website, you accept and agree to be legally bound by these Terms of Use and the Agreement. THIS AGREEMENT CONTAINS AN AGREEMENT TO ARBITRATE ALL CLAIMS, A PROHIBITION OF CLASS AND REPRESENTATIVE ACTIONS AND NON-INDIVIDUALIZED RELIEF, AND CONTAINS DISCLAIMERS OF WARRANTIES AND LIABILITY (Sections 5 and 8). These provisions form an essential basis of our bargain. If you do not agree to these terms and conditions, you are not authorized to access or use the Website and you are to cease accessing or otherwise using the Website. For purposes of this Agreement, “you” or “your” means the person(s) using the Website and/or any tools, forms or services offered in or through the Website. If you are using the Website on behalf of an employer or other entity, you represent and warrant that you have the authority to bind such entity to the Agreement. PolicyHeaven.com shall have the right at any time to change or discontinue any aspect or feature of the Website and the right to modify the terms and conditions applicable to users of the Website, including these Terms of Use, or any part hereof. Such changes, modification, additions or deletions shall be effective immediately upon posting on the Website. When we post changes to these terms of use OR our PRIVACY POLICY, we will revise the “last updated” date at the top of the applicable document. Accordingly, you should periodically check the “last updated” date at the top of each document so that you can familiarize yourself with any changes. Any use by you of the Website or the tools, forms or services offered in or through the Websites following such posting shall be deemed to constitute acceptance of such changes. PRIVACY POLICY Please review our Privacy Policy, which is hereby incorporated by reference into this Agreement, for detailed information about our policies and practices applicable to the information that is collected through the Website or received directly from you, including the sharing of such information with third parties and its use for advertising and other purposes. By accessing or using the Website, you consent to the collection, storage, use and disclosure of your information as described in the Privacy Policy (as it may be changed from time to time, as described more fully in the Privacy Policy). MATCHING TOOLS AND SERVICES Our Website provides tools and services to help you find insurance coverage or quotes for insurance coverage, all of which are provided by third parties unaffiliated with PolicyHeaven.com (collectively, “Insurers”). “Insurers” include insurance companies, PolicyHeaven.com’s marketing partners, and affiliates or finders working on behalf of insurance companies, with whom we may share your information (as described in our Privacy Policy) for the purpose of enabling you to find affordable insurance coverage. You may be able to access these products and services when you complete a request or submit your zip code or other information and either (i) get matched with potential Insurers who will respond with quotes or conditional offers for products or services, or (ii) get provided with the name and information about potential Insurers who may able to respond with the requested products or services or information about the requested products or services without any quotes or offers. The Insurers that can provide you with insurance quotes or conditional offers may not respond with offers until they obtain additional information from you. You may not be matched with the Insurer making any specific quote or offer. Although PolicyHeaven.com is compensated by its network of Insurers when we display advertisements for their products to you and/or when you respond to a quote or offer for insurance or another product from a Insurer on our Website, PolicyHeaven.com is not a provider of insurance, is not acting as an Insurer or broker, and does not make any decisions in connection with the underwriting or offering of any insurance products. Any compensation from Insurers is payment for PolicyHeaven.com’s services, tools and facilities. Your use of the Website and/or PolicyHeaven.com’s services constitutes your agreement with this compensation arrangement. PolicyHeaven.com does not endorse or recommend the products of any particular Insurer. Nor is PolicyHeaven.com an agent of you or any Insurer. Our services are only administrative. You should rely on your own judgment in deciding which available insurance policy or other product, terms and Insurer best suits your needs and financial means. The Insurer is solely responsible for its products and services, and you agree that PolicyHeaven.com shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such products or services. You understand that Insurers may keep your insurance request information and any other information provided by PolicyHeaven.com or received by them in the processing of your request, whether or not you are qualified for insurance with them or if you obtain insurance from them. You agree to notify any particular Insurer directly if you no longer want to receive communications from them. PolicyHeaven.com is not responsible for any errors or delays in responding to a request or referral form caused by, including but not limited to, an incorrect email address provided by you or other technical problems beyond our reasonable control. The Website and the products and services provided or advertised on the Website may not be available in all states, and the availability of such services and the products offered on the Website may change from to time without notice. Insurers are not attempting to offer insurance outside of their authorized states or country by participating in and offering their products on the Website. Insurers may discontinue, suspend or terminate the offering of any insurance or other product in any specific state through the Website at any time, without prior notice. The information provided by Policy Heaven whether on this website or discussed during any call does not represent a guarantee of coverage or specific payment. All insurance plans are subject to the terms, conditions and limitations of the specific policy issued, including, but not limited to, eligibility, pre-certification, exclusions and limitations, and medical necessity requirements. For further information on a policy and its limitations, please call . PROPRIETARY RIGHTS AND LICENSES You are granted a limited, non-transferable, non-sublicensable, non-exclusive, revocable license to use and display the contents of the Website on a single computer solely for your personal use (and not for commercial resale or redistribution) to find insurance and other products or services featured on the Website. All other rights are hereby reserved. DISCLAIMERS AND LIMITATIONS OF LIABILITY PolicyHeaven.com intends that the information contained in the Website be accurate and reliable; however, errors sometimes occur. In addition, changes and improvements to the information provided herein may be made by PolicyHeaven.com at any time. INDEMNITY As a condition of use of the Website and/or PolicyHeaven.com’s services, you agree to indemnify PolicyHeaven.com and its affiliates, suppliers and Insurers, and its and their respective members, managers, directors, officers and employees, from and against any and all liabilities, expenses (including reasonable attorneys’ fees), claims and damages arising out of your use of the Website. LINKS TO THIRD-PARTY WEBSITES The Website may contain links to websites maintained by third parties. Such links are provided for your convenience and reference only. AGREEMENT TO ARBITRATE You and we each agree that any and all disputes or claims that relate to or arise from your use of or access to our Services, or any products or services sold, offered, or purchased through our Services shall be resolved exclusively through final and binding arbitration, rather than in court. WEBSITE PROVIDED FROM THE UNITED STATES If you are using the Website from outside the United States, please be aware that your information will be transferred to, stored and processed in the United States. OTHER TERMS This Agreement constitutes the entire agreement between you and PolicyHeaven.com with respect to the Website. COPYRIGHT AND OTHER INTELLECTUAL PROPERTY INFRINGEMENT If you are a copyright owner or an agent thereof and believe that any third-party content on the Website infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act (“DMCA”). VOICE RECORDING AND MONITORING CONSENT You agree and consent that Policy Heaven may record or monitor oral or voice communications as permitted by applicable law. HEALTH INFORMATION The health information on this website is provided by Policy Heaven solely for informational purposes. POLICY REGARDING USER CONTENT Policy Heaven may remove content it deems, in its sole discretion, to be inappropriate, harmful, or violates the rights of others. PRODUCTS AND SERVICES PROVIDED BY THIRD PARTIES Policy Heaven connects individuals with insurance providers and is not an insurance or operating company. PRODUCTS AND SERVICES DESCRIPTIONS NOT AVAILABLE IN ALL STATES The products and services descriptions provided by Policy Heaven are for informational purposes only and are subject to change. TRADEMARKS There are references throughout the website to various trademarks or service marks and these, whether registered or not, are the property of their respective owners.