Terms of Use
The terms that govern use of the VistaCover website, including our forms.
These Terms of Use ("Terms") govern your access to and use of vistacover.com (the "Site"). By using the Site you agree to these Terms. If you don't agree, don't use the Site.
1. What the Site is
The Site publishes general educational content about insurance and personal finance. Our Disclaimer is part of these Terms. Nothing on the Site is professional advice, and the Site doesn't sell, quote, or recommend any insurance or financial product.
2. Eligibility
The Site is intended for adults. You may use it only if you can form a binding contract under the laws that apply to you.
3. Permitted use
You may read, share links to, and print pages for personal, non-commercial use, and quote short excerpts with a link to the original page. You may not:
- copy, republish, or redistribute substantial portions of the Site without written permission;
- scrape, mirror, or bulk-download the Site, or use it to train commercial models, without written permission;
- remove copyright or disclaimer notices;
- use the Site or its forms unlawfully, to send spam, or to interfere with the Site;
- present our content as your own or imply that VistaCover endorses you or a product.
4. Messages and form submissions
When you send a message through a form or by email:
- you agree not to send confidential, health, financial-account, or government-ID information;
- you grant us a non-exclusive, royalty-free right to use your message to answer you and to improve the Site, without identifying you publicly unless you agree;
- you understand that we don't provide individual advice, quotes, or referrals in response, and that no professional relationship is created;
- you confirm the information you send is accurate and that you have the right to send it.
Form submissions are processed by a third-party provider as described in our Privacy Policy.
5. Intellectual property
The text, charts, illustrations, design, and code of the Site are owned by the Site's operator or its licensors and are protected by copyright and other laws. All rights not expressly granted are reserved.
6. No warranties
The Site and its content are provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including accuracy, completeness, merchantability, fitness for a particular purpose, and non-infringement. We don't warrant that the Site will be uninterrupted, secure, or error-free.
7. Limitation of liability
To the fullest extent permitted by law, the Site's operator, owners, writers, and contributors aren't liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, coverage, or savings, arising out of or related to your use of the Site. Where liability can't be excluded, it's limited to one hundred U.S. dollars (US$100).
8. Indemnity
You agree to indemnify and hold harmless the Site's operator and its owners, writers, and contributors from claims arising out of your misuse of the Site or violation of these Terms.
9. Third-party sites and services
Links to other websites, and third-party services used to run the Site, are provided for convenience. We're not responsible for their content or practices.
10. Changes
We may update the Site and these Terms at any time. Continued use after a change means you accept the updated Terms.
11. Governing law and disputes
These Terms are governed by the laws of the State of Washington, USA, without regard to conflict-of-law rules. Disputes will be brought in the state or federal courts located in Washington, and you consent to their jurisdiction. If any part of these Terms is unenforceable, the rest remains in effect.
12. Contact
Questions about these Terms can be sent through the contact page.