Terms of Service

• Educational Calculator: AI-powered tool for estimating car insurance premiums
• Information Analysis: Analysis of factors affecting insurance costs
• Money-Saving Tips: General strategies for potentially reducing insurance costs
• Coverage Education: Information about different types of insurance coverage
• Market Insights: General information about insurance market trends

You agree to:

• Provide accurate, current, and complete information
• Update information promptly if it changes
• Not provide false or misleading information
• Use the Service only for legitimate purposes

You agree to:

• Use the Service in accordance with these Terms
• Respect the educational nature of the Service
• Not rely solely on our estimates for insurance decisions
• Obtain professional insurance advice when needed
• Verify all information with licensed insurance professionals

• Violate any federal, state, or local laws or regulations
• Engage in fraudulent or deceptive practices
• Provide false information to obtain insurance estimates
• Interfere with or disrupt the Service
• Attempt to gain unauthorized access to our systems

• Use the Service for commercial insurance sales or marketing
• Scrape, copy, or republish our content without permission
• Create competing services using our data or methods
• Resell or redistribute our estimates or analysis

• Use automated tools to access the Service (bots, scrapers, etc.)
• Attempt to reverse engineer our algorithms
• Upload malicious code or attempt to hack our systems
• Overwhelm our servers with excessive requests

You acknowledge and agree that:

• Our Service provides general information and estimates only
• You must obtain professional advice for insurance decisions
• Actual insurance quotes may differ significantly from our estimates
• Insurance requirements vary by state and individual circumstances
• You should compare quotes from multiple licensed insurance providers

We do not guarantee that:

• Our estimates will be accurate or current
• All relevant factors are considered in our calculations
• Our data reflects the most recent market conditions
• Our recommendations are suitable for your specific situation
• Insurance companies will offer the estimated rates

Our estimates may not account for:

• Specific insurer pricing models and preferences
• Detailed credit scores or reports
• Precise driving records or violation details
• Local market conditions or competition
• Special discounts or promotions
• Policy-specific terms and conditions

By providing information to our Service, you grant us a limited, non-exclusive license to:

• Use your information to provide the Service
• Generate estimates and analysis based on your data
• Improve our algorithms and calculations (using aggregated, de-identified data)
• Ensure Service security and prevent fraud

You retain ownership of your personal information and have the right to:

• Request deletion of your data
• Correct inaccurate information
• Opt out of certain uses of your data
• Receive a copy of your data

We own or license all intellectual property in the Service, including:

• Website design, layout, and user interface
• Calculation algorithms and methodologies
• Content, text, graphics, and images
• Software, code, and technical systems
• Trademarks, logos, and branding

We grant you a limited, personal, non-transferable license to:

• Access and use the Service for personal, educational purposes
• Print or save your analysis results for personal reference
• Share general information about the Service with others

You may NOT:

• Copy, modify, or create derivative works of our content
• Use our trademarks or branding without permission
• Reverse engineer our algorithms or systems
• Remove copyright or proprietary notices
• Use our content for commercial purposes

The basic calculator Service is currently provided free of charge, supported by advertising.

We may offer premium features in the future, such as:

• Detailed PDF reports
• Advanced analysis tools
• Priority customer support
• Ad-free experience

Any premium features will be clearly disclosed with pricing before purchase.

For any future paid features:

• All fees are non-refundable except as required by law
• You are responsible for all applicable taxes
• Prices may change with 30 days notice
• Subscriptions auto-renew unless cancelled

We disclaim all warranties, including:

• Accuracy: No guarantee that estimates are accurate or current
• Completeness: No guarantee that all relevant factors are considered
• Availability: No guarantee of uninterrupted service
• Fitness: No guarantee that Service meets your specific needs
• Non-Infringement: No guarantee that use will not violate third-party rights

We are not responsible for:

• Third-party websites or services linked from our site
• Actions of insurance companies or agents
• Actual insurance policy terms or pricing
• Changes in insurance laws or regulations

We are not liable for:

• Indirect Damages: Lost profits, business interruption, lost data
• Consequential Damages: Results of relying on our estimates
• Punitive Damages: Penalties or exemplary damages
• Incidental Damages: Costs incurred due to Service use

We are specifically not liable for:

• Insurance purchasing decisions based on our estimates
• Differences between our estimates and actual quotes
• Coverage gaps or inadequate insurance protection
• Claims denied due to insufficient coverage
• Financial losses from insurance decisions

You may stop using the Service at any time. To delete your data, contact us at cosmicraydev@outlook.com.

We may suspend or terminate your access if you:

• Violate these Terms
• Provide false or misleading information
• Engage in prohibited activities
• Use the Service in ways that harm us or others
• Fail to comply with applicable laws

Upon termination:

• Your right to use the Service immediately ends
• We may delete your data (subject to legal requirements)
• Sections regarding liability, indemnification, and dispute resolution survive

Before pursuing formal legal action, you agree to:

• Contact us at cosmicraydev@outlook.com with details of your dispute
• Allow 60 days for us to attempt to resolve the issue
• Participate in good faith discussions to reach a resolution

If informal resolution fails, disputes will be resolved through binding arbitration:

• Rules: American Arbitration Association (AAA) Consumer Arbitration Rules
• Location: Los Angeles, California (or your home state if you prefer)
• Costs: We will pay AAA fees for claims under $10,000
• Class Actions: No class action arbitrations permitted

The following disputes may be brought in court:

• Small claims court actions (under jurisdictional limits)
• Intellectual property disputes
• Requests for injunctive relief

If you access the Service from outside the United States:

• You consent to the application of California law
• You consent to jurisdiction in California courts
• Local laws in your jurisdiction may still apply

We may update these Terms to reflect:

• Changes in our Service
• New legal requirements
• Business needs
• User feedback

For material changes, we will:

• Update the "Last Updated" date
• Post notice on our website
• Email users for significant changes (if we have your email)
• Provide at least 30 days notice before changes take effect

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Service.

If any provision of these Terms is found invalid or unenforceable, the remaining provisions will continue in full force and effect.

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

You may not assign your rights under these Terms. We may assign our rights and obligations to any party with notice to you.

We are not liable for delays or failures due to circumstances beyond our reasonable control, including natural disasters, government actions, or technical failures.

• Legal Questions: Interpretation of these Terms
• Compliance Issues: Reporting violations or concerns
• Business Inquiries: Partnership or licensing questions
• Technical Support: Service-related issues