Terms of Service

Last updated: June 1, 2026

Welcome to InsureWise. These Terms of Service ("Terms") govern your access to and use of the InsureWise website located at tech-pulse-news.vercel.app(the "Site"), operated by InsureWise Media Inc. ("we," "us," or "our"). By accessing or using our Site, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Site.

1. Acceptance of Terms

By accessing this Site, you confirm that you are at least 18 years of age (or the age of legal majority in your jurisdiction) and that you have read, understood, and agree to be bound by these Terms. If you are accessing the Site on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms. Your continued use of the Site following the posting of changes to these Terms constitutes your acceptance of those changes.

2. Intellectual Property and Copyright

All editorial content, articles, analysis, graphics, logos, design elements, and branding published on InsureWise are the exclusive intellectual property of InsureWise Media Inc. and are protected by United States and international copyright, trademark, and other intellectual property laws. Reproduction, redistribution, syndication, or republication of any content from this Site without prior written consent is strictly prohibited.

You may share links to our articles and quote brief excerpts (up to 200 words) for non-commercial commentary, criticism, or educational purposes, provided that you include proper attribution and a link back to the original article on InsureWise. Any other use requires express written permission from InsureWise Media Inc.

3. User Conduct and Acceptable Use

When using our Site, you agree not to:

• Use the Site for any illegal purpose or in violation of any local, state, national, or international law
• Attempt to gain unauthorized access to any portion of the Site, other accounts, computer systems, or networks connected to the Site
• Interfere with or disrupt the operation of the Site, including the servers or networks used to make the Site available
• Use any robot, spider, scraper, or other automated means to access the Site for any purpose without our express written permission
• Reproduce, duplicate, copy, sell, resell, or exploit any portion of the Site without express written permission
• Submit false, misleading, or fraudulent information through any forms on the Site, including the newsletter subscription and contact forms
• Impersonate or attempt to impersonate InsureWise, an InsureWise employee, another user, or any other person or entity
• Upload or transmit any material that contains viruses, malware, or any other code designed to interrupt, destroy, or limit the functionality of any computer software or hardware

4. Disclaimer — Not Financial or Insurance Advice

The content published on InsureWise is for general informational and educational purposes only. Nothing on this Site constitutes, or is intended to constitute, professional insurance advice, financial planning advice, investment advice, tax advice, or legal advice. Insurance needs, financial situations, and legal requirements vary significantly by individual, and the information provided may not be applicable to your specific circumstances.

You should always consult with a licensed insurance agent, certified financial planner, registered investment advisor, tax professional, or attorney before making any insurance, financial, investment, or legal decisions. InsureWise does not endorse, guarantee, or assume responsibility for any product, service, information, or recommendation offered by any third party referenced on the Site.

Insurance product comparisons, policy analysis, premium estimates, and coverage recommendations discussed on InsureWise reflect the independent editorial views of our team and may not reflect the current terms, conditions, or pricing of any specific insurer or financial institution.

5. Third-Party Links and Content

Our Site may contain links to third-party websites, resources, and services that are not owned or controlled by InsureWise. We provide these links for your convenience and informational purposes. We do not endorse, monitor, or have control over the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that InsureWise shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of any content, goods, or services available on or through any third-party websites.

6. Advertising Disclosure

InsureWise is supported by advertising revenue, primarily through Google AdSense. Advertisements displayed on the Site are served by third-party advertising networks and may use cookies and similar tracking technologies to deliver targeted advertisements. The display of advertisements on our Site does not constitute an endorsement of the products or services advertised.

Our editorial content is produced independently of our advertising relationships. Advertisers do not influence our editorial coverage, product recommendations, or the ranking of insurance or financial products in our reporting. For full details on how advertising data is collected and used, please refer to our Privacy Policy.

7. Newsletter and Email Communications

By subscribing to our newsletter, you consent to receive periodic email communications from InsureWise, including editorial digests, content updates, and occasional promotional content. You may unsubscribe from our newsletter at any time by clicking the "unsubscribe" link included in every email or by contacting us at editorial@insurewise.com. We will process your unsubscribe request promptly and will not share your email address with third parties for marketing purposes.

8. Limitation of Liability

To the fullest extent permitted by applicable law, in no event shall InsureWise Media Inc., its directors, officers, employees, agents, affiliates, or licensors be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to, use of, or inability to access or use the Site
• Any conduct or content of any third party on the Site, including defamatory, offensive, or illegal conduct of other users or third parties
• Any content obtained from the Site, including reliance on information published in our articles
• Unauthorized access, use, or alteration of your transmissions or content
• Insurance, financial, or investment decisions made based on information found on the Site

In no event shall our total liability to you for all claims exceed the amount of fifty United States dollars (USD $50.00).

9. Indemnification

You agree to defend, indemnify, and hold harmless InsureWise Media Inc., its officers, directors, employees, agents, licensors, and suppliers from and against any claims, actions, demands, liabilities, and settlements, including without limitation reasonable legal fees, resulting from or alleged to result from your use of the Site or your violation of these Terms of Service.

10. Accuracy and Content Updates

While our editorial team strives for accuracy in all published content, insurance regulations, financial markets, interest rates, and product offerings change frequently. InsureWise does not warrant the completeness, reliability, or timeliness of any published content. Information on the Site may contain typographical errors, inaccuracies, or omissions. We reserve the right to correct errors, update information, or modify content at any time without prior notice. The inclusion of any product, service, or company name on the Site does not imply endorsement.

11. Termination

We reserve the right to terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the Site will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive termination, including without limitation ownership provisions, warranty disclaimers, indemnification provisions, and limitations of liability.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in San Francisco County, California. You agree to submit to the personal jurisdiction of these courts and waive any objection to the exercise of jurisdiction over you by such courts.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole, and such provisions shall be deleted without affecting the remaining provisions herein.

14. Changes to These Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. We will provide notice of significant changes by posting the new Terms on this page and updating the "Last updated" date at the top of this page. It is your responsibility to review these Terms periodically. Your continued use of the Site following the posting of any changes constitutes acceptance of those changes.

15. Contact Information

If you have any questions about these Terms of Service, please contact us at:

InsureWise Media Inc.
Email: legal@insurewise.com
Address: 101 Financial District Plaza, San Francisco, CA 94105