Important Non-Agency Disclosure
policyselectdaily (policyselectdailydaily.org) is an educational, journalistic publication. policyselectdaily is NOT an insurance company, brokerage, underwriter, or licensed agent. We do NOT underwrite policies, evaluate claims, bind insurance coverage, or sell personal insurance products.
1. Acceptance of Terms
By accessing or browsing policyselectdailydaily.org (the "Site"), you agree to be bound by these Terms of Use and all applicable federal and state laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site.
2. Educational and Informational Character
All analyses, comparison tables, mathematical calculators, sample policy endorsements, and consumer checklists published on policyselectdaily are prepared solely for general educational, consumer informational, and journalistic purposes.
Nothing contained on the Site should be construed as legal counsel, formal actuarial advice, tax guidance, or individualized insurance recommendations. Insurance regulations, statutory minimums, and contract wording vary substantially across all 50 states. You should always consult with an insurance agent, broker, or legal counsel licensed in your specific state of residence before purchasing or altering any coverage.
3. No Policy Binding or Agency Relationship
No communication sent to policyselectdaily via web form, email, or telephone creates an agent-client, fiduciary, or insured-insurer relationship. You cannot apply for, purchase, modify, or cancel an insurance policy through policyselectdaily.
4. Accuracy and Reliance on Information
While policyselectdaily strives for absolute factual precision through primary filing reviews and credentialed fact-checking, insurance rates, underwriting rules, and carrier policy forms change frequently. We make no warranties, express or implied, regarding the continuous completeness, timeliness, or accuracy of any information presented.
5. Intellectual Property Rights
All original articles, editorial analyses, proprietary comparison graphics, design systems, and logos are the intellectual property of policyselectdaily and protected by United States copyright laws. Non-commercial quoting with prominent attribution and direct backlink to policyselectdailydaily.org is permitted under fair use doctrine.
6. Limitation of Liability
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7. Governing Law
These Terms of Use are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.
8. Contact Information
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Email: legal@policyselectdaily.org