Terms & Conditions

Effective Date: January 1, 2025

These Terms & Conditions ("Terms") govern your use of the website insurancebills.store and any services provided by Insurance Bills ("we", "our", or "us"). By accessing or using our website or contacting us by phone or email, you agree to these Terms. If you do not agree, please do not use the website or services.

Important Disclaimer: Insurance Bills is an independent insurance assistance service. We are not affiliated with, endorsed by, or partnered with any insurance company. All trademarks belong to their respective owners.

1. Our Service

Insurance Bills provides general assistance related to insurance billing and policy questions, including guidance on payments, coverage clarification, and helping users identify how to contact appropriate insurance provider resources. We do not provide legal or financial advice.

2. No Insurance Company Affiliation

We are not an insurance carrier, agent, broker, or claims adjuster. Final decisions regarding billing, coverage, policy updates, and claims are made by your insurance provider.

3. No Payment Collection on Website

We do not collect payments through this website. All payments must be made directly through official insurance provider channels.

4. Call Consent & Communication

By calling our phone number or contacting us, you consent to service-related communications. Calls may be monitored or recorded for quality assurance and training purposes. Standard carrier rates may apply.

5. User Responsibilities

Provide accurate information to the best of your knowledge
Use our services only for lawful purposes
Not engage in fraud or misuse of services
Not scrape, copy, or abuse website systems or content

6. Prohibited Uses

Impersonation or misrepresentation
Fraudulent, deceptive, or unlawful activity
Distribution of malware, spam, or harmful material
Violation of laws or third-party rights

7. Limitation of Liability

To the maximum extent permitted by law, Insurance Bills shall not be liable for any direct or indirect damages arising from your use of the website or services. Services are provided “as-is” and “as-available.”

8. No Guarantee

We do not guarantee outcomes, approvals, refunds, discounts, or timelines. All decisions depend on your insurance provider.

9. Intellectual Property

All website content is owned by Insurance Bills or licensed to us and may not be reused without written permission.

10. Third-Party Links

We are not responsible for third-party websites or their practices.

11. Privacy

Use of this website is also governed by our Privacy Policy.

12. Changes to Terms

We may update these Terms at any time. Continued use indicates acceptance.

13. Governing Law

These Terms are governed by applicable laws. Invalid provisions do not affect remaining sections.

14. Contact Information

Insurance Bills
Phone: (888) 467-0096
Email: info@insurancebills.store
Website: https://insurancebills.store