Terms & Conditions

Last Updated: July 14, 2026

This page is provided for general information and is not legal advice.

These Terms & Conditions (also referred to as our “Terms of Service” or “Terms”) govern your access to and use of the website located at https://wefindyourinsurance.com (the “Site”) and any related content, tools, forms, chat features, and services offered by We Find Your Insurance LLC (referred to as “We Find Your Insurance,” “WFYI,” “we,” “us,” or “our”). We Find Your Insurance LLC is an independent insurance brokerage.

Please read these Terms carefully. They contain important provisions that affect your legal rights, including a binding arbitration agreement, a class-action waiver, and a jury-trial waiver (see the section titled “Dispute Resolution; Binding Arbitration; Class-Action & Jury Waiver”), as well as disclaimers of warranties and limitations of our liability.

1. Acceptance of These Terms

By accessing or using the Site, submitting a form, requesting a quote, scheduling an appointment, communicating with us, or otherwise engaging with our services, you agree to be bound by these Terms and by our Privacy Policy and DisclaimerCookie PolicyDo Not Sell or Share My Personal Information, each of which is incorporated into these Terms by reference. If you do not agree with these Terms, please do not use the Site or our services.

2. Eligibility

You must be at least 18 years old and able to form a legally binding contract to use the Site or request services. The Site is intended for a general audience and is not directed to children. By using the Site, you represent and warrant that you meet these eligibility requirements and that any information you provide is accurate and truthful. If you are using the Site on behalf of another person or an organization, you represent that you are authorized to accept these Terms on their behalf.

3. Who We Are; Description of Services

We Find Your Insurance is an independent insurance brokerage and referral service. We help consumers compare quotes across multiple insurance carriers and assist with applications and enrollment for products that may include life insurance, Medicare (Advantage, Supplement, and Part D), health/ACA coverage, annuities and retirement products, and property & casualty lines (auto, home, renters, and umbrella), the last often through referral to appointed partners. We also publish free educational content.

Our insurance services are provided through a Connecticut-licensed insurance producer (National Producer Number (NPN) 21658409). We transact insurance business in a given state only where we are properly licensed and appointed, including Connecticut and California.

We are not an insurance company. We do not underwrite, issue, bind, or guarantee any insurance policy. All coverage decisions, policy terms, premiums, and eligibility are determined solely by the issuing insurance carrier through its own underwriting process. Our team includes both licensed insurance producers and non-licensed support staff; support staff do not provide insurance advice and cannot bind coverage.

3.1 Independent-Broker Relationship & Compensation

As an independent brokerage, we may represent or place business with multiple carriers, and we do not represent every insurer or every plan available in your area. We are typically compensated through commissions paid by insurance carriers when a policy is placed. We generally do not charge consumers a direct fee for our brokerage services. Because our compensation may vary by carrier and product, you are encouraged to ask questions about the options presented to you. Using our services creates no obligation for you to purchase or enroll in any policy.

4. No Professional Advice

All content on the Site, and information provided by our team, is offered for general educational and informational purposes only. It is not legal, tax, financial, investment, accounting, or medical advice, and it is not a substitute for personalized advice from a qualified professional who is aware of your specific circumstances. Insurance recommendations are general in nature and may not reflect the best option for your individual needs. You should consult your own licensed attorney, tax advisor, financial professional, or physician before making decisions based on information from the Site. Your reliance on any information on the Site is at your own risk.

5. Quotes, Rates & Illustrative Figures

Any quotes, premiums, rates, costs, savings figures, coverage amounts, illustrations, or examples presented on the Site or by our team are estimates and illustrations only. They are not offers of insurance, are not binding, and do not guarantee that any particular price, coverage, or outcome will be available to you. Actual policy terms, premiums, and eligibility are set solely by the insurance carrier through underwriting and depend on your individual information, the carrier’s guidelines, applicable law, and other factors.

Figures described as savings or comparisons are illustrative and may reflect assumptions that do not apply to you. Individual results vary, and any testimonials or sample results are not typical. The table below summarizes how to read the figures you may see.

What you may see What it actually means
A quoted premium or rate An estimate subject to carrier underwriting; the final price may differ or you may not qualify
A “savings” or comparison figure An illustration based on assumptions; not a promise of savings for your situation
A coverage or benefit amount An example; actual coverage is defined only by the policy the carrier issues
A testimonial or sample result One person’s experience; results are not typical and are not guaranteed

6. No Guarantee of Coverage, Eligibility, Rates, or Savings

We do not guarantee that you will be approved for any policy, that any specific carrier will offer you coverage, that a particular rate will be available, or that you will save money. Submitting information or a request through the Site does not create an insurance policy or bind coverage. No coverage exists unless and until a carrier issues a policy and it takes effect according to its terms.

7. Your Obligations & Acceptable Use

You agree to use the Site and our services lawfully and in good faith. You agree that you will not:

  • Provide false, inaccurate, incomplete, or misleading information, including on any quote, application, or enrollment;
  • Impersonate any person or misrepresent your identity, age, or authority;
  • Use the Site or services on behalf of another person without that person’s authorization;
  • Access, tamper with, or use non-public areas of the Site, our systems, or our vendors’ systems;
  • Introduce viruses, malware, or other harmful code, or attempt to probe, scan, overload, or disrupt the Site or its infrastructure;
  • Use any robot, scraper, or automated means to access or collect data from the Site without our written permission;
  • Infringe our or any third party’s intellectual property, privacy, or other rights;
  • Use the Site or our communications for spam, harassment, fraud, or any unlawful, deceptive, or abusive purpose; or
  • Violate any applicable law, regulation, or these Terms.

7.1 Accuracy of Account & Lead Information

Insurance quotes, applications, and enrollment depend on the accuracy of the information you provide, which may include your name, date of birth, address, and, where required for a quote or application, your Social Security Number, health information, and financial information. You are responsible for the accuracy and completeness of the information you submit and for keeping it current. Providing inaccurate information may result in inaccurate quotes, delays, denial of coverage, or cancellation or rescission of a policy by the carrier. If you create or maintain any account or profile, you are responsible for the activity that occurs under it.

When you provide your phone number or email address and request contact, a quote, or services, you consent to receive communications from us and, where applicable, from carriers and partners, related to your request. This may include phone calls, SMS/text messages (including through our asynchronous chat), emails, and appointment confirmations.

By providing your telephone number and opting in, you agree that we and those acting on our behalf may contact you at that number, including through automatic telephone dialing systems, prerecorded or artificial voice messages, and text messages, for servicing and marketing purposes, consistent with the Telephone Consumer Protection Act (TCPA) and applicable law. Consent to receive marketing calls or texts is not a condition of purchasing any product or service. Message and data rates may apply, and message frequency may vary.

You may revoke consent at any time. For text messages, reply STOP to opt out or HELP for help. You may also opt out of marketing emails using the unsubscribe link in those emails, or contact us at info@wefindyourinsurance.com or (860) 351-6803. Revoking consent may limit our ability to provide certain services. For more detail on how we handle your information, see our Privacy Policy.

9. Intellectual Property; License to Use the Site

The Site and its content — including text, articles, graphics, logos, images, page layouts, and the selection and arrangement of content — are owned by us or our licensors and are protected by copyright, trademark, and other laws. “We Find Your Insurance” and related names and logos are our trademarks and may not be used without our prior written permission.

Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Site for your own personal, non-commercial purposes. You may not copy, reproduce, republish, distribute, modify, create derivative works from, publicly display, sell, or exploit any part of the Site except as expressly permitted by these Terms or with our prior written consent. We reserve all rights not expressly granted.

9.1 User Content

If you submit, post, or transmit any content to us — such as messages, chat entries, form responses, reviews, or feedback (“User Content”) — you retain any ownership you have in it, but you grant us a non-exclusive, worldwide, royalty-free, sublicensable, and transferable license to use, reproduce, store, process, and display that User Content as reasonably necessary to operate the Site, provide our services, respond to you, and improve our offerings, consistent with our Privacy Policy. You represent that you have the rights necessary to submit your User Content and that it does not violate any law or third-party right. We are not obligated to store or return any User Content and may remove it at our discretion.

The Site may contain links to, or integrations with, third-party websites, insurance carriers, service providers, and tools that we do not own or control — for example, insurance carriers’ sites and applications, and the Calendly scheduling tool that we embed. We provide these links and integrations for convenience only. We do not control, endorse, or assume responsibility for third parties, their content, products, services, availability, privacy practices, or the terms that govern them. Your dealings with any third party, including any carrier that issues a policy to you, are solely between you and that third party and are governed by that third party’s own terms and policies. See our Privacy Policy for information about cookies and similar technologies set by third-party tools, where enabled.

We and our service providers also use cookies, pixels, and similar technologies on the Site for analytics and, where enabled, advertising purposes. This includes Google Analytics (GA4) and, where enabled, Google Ads remarketing and conversion tracking, both deployed through Google Tag Manager, Jetpack Stats by Automattic, and may include Meta (Facebook/Instagram) pixels and conversion APIs. These tools are not necessarily active on the Site at all times. We do not sell personal information for money, but certain uses of advertising and analytics cookies can be treated as a "sale" or "sharing" of personal information under the CCPA/CPRA, and we recognize and honor Global Privacy Control (GPC) and similar universal opt-out preference signals as a valid opt-out of that activity. Full details about the specific cookies and tools we use, applicable retention periods, and how to manage or opt out of them are set out in our Cookie & Analytics Policy, which is incorporated into these Terms by reference.

11. DISCLAIMER OF WARRANTIES

THE SITE, ITS CONTENT, AND OUR SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, THAT THE SITE OR ITS SERVERS ARE FREE OF HARMFUL COMPONENTS, OR THAT ANY CONTENT, QUOTE, ESTIMATE, OR INFORMATION IS ACCURATE, COMPLETE, RELIABLE, OR CURRENT. WHILE WE USE REASONABLE AND APPROPRIATE MEASURES INTENDED TO PROTECT THE SITE, NO METHOD OF TRANSMISSION OR STORAGE IS COMPLETELY SECURE, AND WE CANNOT GUARANTEE ABSOLUTE SECURITY. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THESE EXCLUSIONS MAY NOT APPLY TO YOU.

12. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE FIND YOUR INSURANCE, ITS AFFILIATES, OR ITS OFFICERS, DIRECTORS, EMPLOYEES, PRODUCERS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF (OR INABILITY TO USE) THE SITE OR OUR SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SITE, OUR SERVICES, OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS YOU ACTUALLY PAID TO US FOR THE SERVICE GIVING RISE TO THE CLAIM OR (B) US$100. BECAUSE WE GENERALLY DO NOT CHARGE CONSUMERS A DIRECT FEE, THIS CAP WILL OFTEN BE US$100.

THESE LIMITATIONS FORM AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND US. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU; IN SUCH CASES OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW.

13. Indemnification

You agree to defend, indemnify, and hold harmless We Find Your Insurance and its affiliates, and their respective officers, directors, employees, producers, and agents, from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Site or our services; (b) your violation of these Terms or any applicable law; (c) your violation of any third-party right; or (d) any information you provide, including inaccurate or misleading information. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification, in which case you agree to cooperate with us.

14. Dispute Resolution; Binding Arbitration; Class-Action & Jury Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS. In plain language: this section requires that most disputes between you and us be resolved by binding individual arbitration rather than in court, and it waives your right to a jury trial and your right to participate in a class action. You have the right to opt out of this arbitration agreement within 30 days, as described below.

14.1 Agreement to Arbitrate

Except as provided below, you and we agree that any dispute, claim, or controversy arising out of or relating to the Site, our services, or these Terms will be resolved by final and binding arbitration administered by a recognized arbitration provider under its applicable rules, rather than in court. The arbitrator has exclusive authority to resolve disputes about the interpretation, applicability, or enforceability of this arbitration agreement, except as to the class-action waiver, which a court will decide.

14.2 Class-Action Waiver

You and we agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of a class or representative proceeding. If this class-action waiver is found to be unenforceable as to a particular claim, then that claim (and only that claim) will be severed and may proceed in court, while all other claims remain in arbitration.

14.3 Jury-Trial Waiver

To the fullest extent permitted by law, you and we each waive any right to a trial by jury in any dispute arising out of or relating to the Site, our services, or these Terms.

14.4 30-Day Right to Opt Out

You may opt out of this arbitration agreement (including the class-action and jury-trial waivers in this Section 14) within 30 days after you first accept these Terms by sending written notice to legal@wefindyourinsurance.com, or by mail to We Find Your Insurance, 20 Waterside Dr, Suite 202, Farmington, CT 06032. Your notice must include your name, the email and phone number associated with your use of the Site, and a clear statement that you wish to opt out of arbitration. If you opt out, neither you nor we will be bound by the arbitration provisions of this Section 14, and disputes will be resolved in the courts identified in the “Governing Law & Venue” section. Opting out of arbitration does not affect any other part of these Terms.

14.5 Small-Claims Carve-Out

Notwithstanding the agreement to arbitrate, either you or we may bring an individual action in small-claims court for disputes within that court’s jurisdiction, so long as the matter remains in that court and proceeds only on an individual basis.

14.6 Severability of This Section

If any part of this Section 14 (other than the class-action waiver, which is governed by Section 14.2) is found to be invalid or unenforceable, that part will be severed and the remainder of this Section 14 will continue to apply.

15. Termination

We may suspend, restrict, or terminate your access to the Site or our services at any time, with or without notice, including if we believe you have violated these Terms or applicable law, or to protect the Site, our users, or our business. You may stop using the Site at any time. Provisions that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, and governing law — will survive.

16. Governing Law & Venue

These Terms and any dispute arising out of or relating to them or the Site are governed by the laws of the State of Connecticut, without regard to its conflict-of-laws rules. Subject to the arbitration provisions above, you and we agree that any action not subject to arbitration will be brought exclusively in the state or federal courts located in Connecticut, and you consent to the personal jurisdiction and venue of those courts.

17. Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the “Last Updated” date above. Changes are effective when posted, unless a later effective date is stated. Your continued use of the Site or our services after changes are posted constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you should stop using the Site.

18. Miscellaneous

  • Severability. If any provision of these Terms is held invalid or unenforceable, that provision will be limited or severed to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
  • Entire Agreement. These Terms, together with the Privacy Policy and Disclaimer, constitute the entire agreement between you and us regarding the Site and supersede any prior agreements on that subject.
  • No Waiver. Our failure to enforce any provision is not a waiver of our right to do so later. Any waiver must be in writing to be effective.
  • Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets, or by operation of law.
  • Force Majeure. We are not liable for any delay or failure to perform caused by events beyond our reasonable control, including acts of God, natural disasters, outages, labor disputes, government actions, or failures of third-party services.
  • Headings. Section headings are for convenience only and do not affect the interpretation of these Terms.
  • Electronic Communications. You consent to receive communications from us electronically, and you agree that electronic notices, agreements, and disclosures satisfy any legal requirement that such communications be in writing.

19. Contact Us

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

For related information, please review our Privacy Policy and Disclaimer.