Terms of Service

Acceptance of Terms

By accessing and using Shield ("the Service"), you accept and agree to be bound by these Terms of Service. If you do not agree, please do not use the Service.

Educational Estimates Only — Not Quotes or Advice

Shield provides insurance calculators for informational and educational purposes only. The results generated are estimates based on the inputs you provide and industry-average models. They are not insurance quotes, offers of coverage, or financial, legal, or insurance advice.

Actual premiums and coverage needs vary widely based on factors our calculators cannot fully capture, including underwriting, location, health history, and carrier-specific rules. Always consult a licensed insurance agent or carrier before purchasing a policy or making coverage decisions.

Shield Is Not an Insurer or Agency

Shield is an independent educational tool. We are not a licensed insurance company, agency, or brokerage, and we are not affiliated with, endorsed by, or sponsored by any specific insurer. We do not sell insurance and do not receive your application data.

No Warranty

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee that estimates will be accurate, complete, current, or applicable to your specific situation. Insurance models use national averages that may differ substantially from your real-world results.

Limitation of Liability

Shield shall not be liable for any damages — direct, indirect, incidental, or consequential — arising from the use of, or reliance on, information provided by the Service. You use the calculators entirely at your own risk.

External Links

The Service may contain links to third-party websites, including insurers or affiliates. We are not responsible for the content, privacy policies, or practices of any third-party sites.

Advertising and Affiliates

The Service is supported by advertising (Google AdSense) and may include affiliate links. We may earn a commission if you purchase through a link, at no extra cost to you. We are not responsible for the products or services advertised. Any dealings with advertisers or third parties are solely between you and them.

Acceptable Use

You agree not to misuse the Service, attempt to reverse-engineer it in a way that harms it, or use automated tools to overload it.

Changes to Terms

We reserve the right to modify these terms at any time. Continued use of the Service after changes constitutes acceptance of the new terms.

Contact

Questions about these terms? Contact us.