All of the content in the Site is made available only for your personal, lawful, non-commercial use in connection with seeking insurance. Use of the Site by a competitor company or other non-consumer third party is prohibited.
Except as expressly mandated by law, you may not, without our prior written permission: (i) link from another website to the Site; (ii) post, transmit, copy, modify, create derivative works from, distribute, sell, or republish anything you obtain or download from the Site; or (iii) engage in systematic retrieval of data or other content from the Site.
Copyrights and trademarks
Our products and services
The information and materials provided in the Site are intended for general reference only, and may not describe all of the terms, conditions, and exceptions applicable to Lighthouse’s products and services or services provided through partner carriers. All coverage’s are subject to the terms and conditions of the insurance policies issued by their respective carriers. Coverage’s and their availability may vary by state and your individual circumstances, and additional minimum coverage limits may be required in your state. The products and services offered on the Site are only available in the jurisdictions in which Lighthouse is properly licensed. Coverage cannot be bound (placed into effect) through this site.
Privacy and passwords
Some portions of the Site are protected and require a user identification code ("User ID") and password for access. Unauthorized access or use of such portions of the Site is prohibited. You agree that you will notify Lighthouse immediately if you believe that a third party has obtained your User ID or password, or if you believe that any unauthorized access or use may occur or has occurred. For your protection, if Lighthouse believes that any unauthorized access may occur or has occurred, Lighthouse may terminate such access without prior notice to you. You also agree that Lighthouse is permitted to act upon any instructions received using your User ID and password and to consider such instructions as authorized by you.
Disclaimer of warranties
All information, products, content and other materials in the Site, accessible from the Site, or in a Third-Party Site are provided "as is" and without warranties or representations of any kind, either expressed or implied. This means that Lighthouse expressly disclaims all warranties, express or implied, including without limitation the warranties of title and non-infringement and the implied warranties of merchantability and fitness for a particular purpose. In addition, Lighthouse does not represent or warrant that: (i) the operation of the Site will be error-free or uninterrupted; (ii) defects will be corrected; (iii) the Site, any emails sent by Lighthouse, or the server that makes the Site available are free of viruses or other harmful devices; (iv) the Site will be available to you or that you will qualify for products or services offered; (v) the materials in the Site will be accurate as of any particular date; or (vi) the products or services offered through the Site are available outside of the United States or in jurisdictions in which Lighthouse is not properly licensed.
If you are in a state that does not allow a disclaimer of implied warranties, the above disclaimer or a portion of it may not apply to you.
Limitation of liability
Lighthouse shall not be liable for any loss, damage, injury, or claim, nor any special, indirect, incidental, consequential, exemplary or punitive damages of any kind, whether such action is based in tort, contract, negligence, strict liability, or otherwise and even if Lighthouse has been advised of the possibility of such damages, which arises out of or relates in any way to: (i) the Site, materials in the Site, or the inability to use the Site; (ii) any Third-Party Site, materials in any Third-Party Site, or the inability to use any Third-Party Site; (iii) any defect, omission, error, interruption, delay, or computer virus; or, (iv) except as a result of Lighthouse's gross negligence or intentional actions, the unauthorized alteration of or access to your transmissions or personal data.
If you are in a state that does not allow the limitation of liability for certain damages, the above limitation of liability or a portion of it may not apply to you. However, you agree in any event that Lighthouse's total liability for all damages, losses, injuries, or claims of any kind or nature shall be limited to the amount you have paid to access the Site.
Insurance Rate Information
The information used in all insurance rate quotes have been derived from user input obtained during the quote process and certain default quote criteria specific to carrier underwriting guidelines and state regulations. These user inputs have been conveyed to various insurance carriers via proprietary technology and rates published through insurance carrier websites and agent/broker portals which insurance companies routinely publish distribute and allow access to agents and brokers. To the best of Lighthouse’s ability and the rating platform we utilize, we have made a diligent effort to ensure that the insurance rate information contained in any insurance rate quote is up-to-date and accurate. However, accuracy cannot be guaranteed.
All quotes are for illustration purposes only. Actual premiums and coverage will be based on coverage limits, exclusions, policy deductibles, age, gender, driving behavior, certain underwriting criteria, state of residence, territory of residence, proximity to coast and prior loss history. Additionally, consumer records including credit, motor vehicle, comprehensive loss underwriting and additional driver disclosure reports may be obtained by Lighthouse or any other affiliated carrier Agent or Broker. It is solely the user’s responsibility to review the accuracy of all quotes and policy data related to any quote or policy secured through a carrier provided rate (For informational purposes only, company-authorized illustration) through this Site. Not all policies or companies are available in all states. Federal copyright law prohibits commercial use by other agents, brokers and parties marketing insurance products or information. Coverage cannot be bound (placed into effect) through this site.
In the event that there is a discrepancy between the information contained in the insurance rate quotes, and any insurance company-authorized illustration and/or policy, the policy shall govern.
Jurisdiction, enforceability, and termination