Terms and Conditions

Last Updated: March 8, 2026

Welcome to PolicyWonders.

These Terms and Conditions (“Terms”) govern your access to and use of policywonders.com and any related webpages, forms, features, content, and services provided by PolicyWonders (“PolicyWonders,” “we,” “us,” or “our”).

By accessing or using this website, submitting an insurance inquiry, or otherwise using our services, you acknowledge that you have read, understood, and agree to these Terms. If you do not agree with these Terms, please do not use PolicyWonders.

1. About PolicyWonders

PolicyWonders is an independent insurance shopping and consumer connection platform that helps consumers explore insurance options and connect with licensed insurance agents, agencies, insurance companies, and other insurance providers.

PolicyWonders may operate as an insurance lead-generation and referral service.

Unless expressly stated otherwise, PolicyWonders:

• Is not an insurance carrier or insurance underwriter.

• Does not issue insurance policies.

• Does not underwrite insurance risk.

• Does not make insurance eligibility or underwriting decisions.

• Does not process or evaluate insurance claims.

• Does not guarantee insurance quotes, premiums, rates, savings, coverage, or policy availability.

• Does not guarantee that any particular insurance provider will contact you or offer coverage.

• Does not guarantee that every insurance carrier, product, or provider available in your area will be represented through our website.

Any insurance product, quote, premium, coverage determination, policy, or agreement is provided by the applicable insurance agent, agency, insurance company, or other provider and is subject to that party's terms, underwriting requirements, eligibility criteria, and applicable law.

2. Insurance Inquiry and Connection Service

When you submit an insurance request through PolicyWonders, you are requesting assistance in exploring insurance options or connecting with an insurance professional or provider that may be able to assist with your request.

Information submitted through PolicyWonders may be used to process your inquiry and, where applicable, may be provided to or used to facilitate a connection with licensed insurance agents, agencies, insurance companies, or other insurance providers that may be able to assist with your request.

Depending on the service and availability, PolicyWonders may facilitate:

• An insurance inquiry;

• A request for information;

• A request for an insurance quote;

• A connection with an insurance professional;

• A telephone or live-call connection; or

• Other insurance-related assistance associated with your request.

PolicyWonders does not guarantee that:

• You will receive an insurance quote.

• You will qualify for insurance coverage.

• A particular insurance carrier will be available.

• You will receive a particular premium or rate.

• You will save money by using our service.

• A particular provider will offer coverage in your location.

• Any particular insurance product will meet your individual needs.

• An insurance professional or provider will contact you.

You are responsible for reviewing any insurance quote, policy documents, exclusions, deductibles, coverage limits, terms, conditions, and other information provided by an insurance provider before purchasing coverage.

3. No Guarantee of Savings or Lowest Rates

PolicyWonders does not represent, warrant, or guarantee that use of our website will result in:

• Lower insurance premiums;

• The lowest available insurance rate;

• A particular amount of savings;

• Better coverage;

• Approval for insurance;

• Access to every insurance carrier or insurance product available in your area; or

• Any particular insurance result.

Insurance prices, premiums, eligibility, and coverage may depend on numerous factors determined by individual insurance providers, including location, driving history, property characteristics, claims history, coverage selections, underwriting criteria, and other factors.

Any examples, estimates, savings information, pricing information, or general insurance information displayed on our website are provided for informational purposes unless expressly identified otherwise.

Actual rates, premiums, eligibility, and coverage are determined by the applicable insurance provider.

4. Accuracy of Information You Submit

You agree to provide information that is accurate, complete, current, and truthful when submitting an inquiry through PolicyWonders.

This may include information such as:

• Name;

• Telephone number;

• Email address;

• ZIP code;

• State or location;

• Type of insurance requested;

• Coverage preferences; and

• Other information requested through our forms.

You are responsible for reviewing information before submitting it.

Providing inaccurate, misleading, fraudulent, or intentionally false information may affect the ability of PolicyWonders or an insurance provider to process your request or provide relevant insurance information.

You must not knowingly submit another person's personal information without appropriate authorization.

5. Telephone, SMS, and Communications

Certain PolicyWonders forms may include a separate consent disclosure relating to telephone calls, SMS/text messages, or other communications.

Where such a disclosure is presented, the scope and terms of any consent you provide are governed by the specific disclosure presented to you on the applicable form before submission.

Where you affirmatively provide consent through an applicable PolicyWonders form, PolicyWonders may communicate with you regarding your insurance inquiry in accordance with the consent provided and applicable law.

Depending on the applicable disclosure and consent provided, communications may include:

• Telephone calls;

• SMS/text messages;

• Email; or

• Other permitted communication methods.

Where permitted by applicable law and where the required consent has been obtained, calls or text messages may involve automated technology, an automatic telephone dialing system, or an artificial or prerecorded voice.

Consent to receive marketing calls or text messages is not a condition of purchasing insurance or obtaining insurance-related goods or services.

Message and data rates may apply. Message frequency may vary.

Communications From Independent Insurance Businesses

PolicyWonders may facilitate a connection with an independent insurance agent, agency, insurance company, or other provider.

The fact that PolicyWonders provides information to or facilitates a connection with another business does not, by itself, mean that every such business is automatically authorized to make telemarketing calls or text messages to you.

Any communications made by another business must be made pursuant to the applicable consent, authorization, exemption, or other lawful basis required by applicable law.

Additional information regarding PolicyWonders' collection, use, and sharing of personal information is available in our Privacy Policy.

6. Opt-Out and Do-Not-Call Requests

You may revoke or withdraw consent to receive marketing communications from PolicyWonders at any time, subject to applicable law.

For text messages sent by PolicyWonders, you may reply STOP to request that further text messages from PolicyWonders stop.

You may also communicate a request not to receive further marketing communications through another reasonable method provided by PolicyWonders.

For telephone calls, you may tell the caller that you do not wish to receive additional marketing calls or request placement on the applicable company-specific Do Not Call list.

PolicyWonders will process applicable revocation and Do Not Call requests in accordance with applicable law.

If your information has been provided to an independent insurance agent, agency, insurance company, or other provider, that business may maintain its own communication records and Do Not Call procedures. You may need to contact that business directly regarding communications originating from that business.

An opt-out request directed to one independent business does not necessarily constitute an opt-out from communications initiated independently by another business.

7. Third-Party Insurance Providers

Insurance agents, agencies, insurance companies, carriers, and other providers that may receive information through or in connection with PolicyWonders may operate independently from PolicyWonders.

PolicyWonders does not control and is not responsible for:

• Underwriting decisions;

• Insurance rates or premiums;

• Coverage decisions;

• Policy terms or exclusions;

• Claims decisions;

• Customer service;

• Sales practices;

• Licensing obligations;

• Privacy practices;

• Communication practices;

• Opt-out procedures; or

• The accuracy of information provided by an independent provider.

Any transaction, insurance policy, or agreement you enter into with a third-party insurance provider is solely between you and that provider.

You should carefully review the applicable provider's terms, privacy policy, licensing information, coverage documents, and other disclosures before entering into an agreement or purchasing insurance.

8. No Insurance, Legal, Financial, or Tax Advice

Content provided by PolicyWonders is intended for general informational and consumer-connection purposes.

• Nothing on this website should be interpreted as:

• Insurance advice;

• Legal advice;

• Financial advice;

• Tax advice;

• A recommendation that a particular insurance policy is appropriate for you;

• A binding insurance quote;

• An offer or contract of insurance; or

• A guarantee of coverage.

Insurance products and coverage decisions should be evaluated based on your individual circumstances and the terms provided by the applicable licensed insurance professional or insurance provider.

9. Availability of Services

PolicyWonders services may not be available in every state, jurisdiction, or geographic area.

The availability of particular insurance products, providers, carriers, or coverage options may depend on factors including:

• Location;

• Provider availability;

• Licensing;

• Underwriting requirements;

• Eligibility criteria; and

• Applicable law.

Submitting information through PolicyWonders does not guarantee that insurance services or options will be available in your location.

10. Eligibility to Use the Website

You must be at least 18 years old, or the applicable age of legal majority in your jurisdiction, to submit an insurance inquiry through PolicyWonders.

By using our forms, you represent that:

• You are legally capable of entering into applicable agreements;

• The information you provide is yours or you are authorized to provide it;

• The telephone number and email address you submit belong to you or you are authorized to use them;

• You have authority to provide any information submitted through the website; and

• Your use of the website complies with applicable law.

11. Acceptable Use

You agree not to misuse PolicyWonders or use the website for unlawful, fraudulent, abusive, or unauthorized purposes.

You must not:

• Submit false or fraudulent information;

• Impersonate another individual or business;

• Submit another person's information without authorization;

• Attempt to gain unauthorized access to the website or its systems;

• Introduce malware, viruses, malicious code, or harmful software;

• Attempt to interfere with website security or functionality;

• Use automated systems, bots, scrapers, or similar technologies to access or collect website information without authorization;

• Use the website to violate applicable laws or regulations;

• Attempt to exploit, reverse engineer, disrupt, or damage the website; or

• Engage in activity that could reasonably interfere with the operation or security of PolicyWonders.

We may restrict or terminate access where we reasonably believe these Terms have been violated.

12. Cookies and Similar Technologies

PolicyWonders may use cookies and similar technologies to:

• Operate the website;

• Maintain functionality;

• Remember preferences;

• Understand website usage;

• Improve user experience;

• Prevent fraud or abuse; and

• Measure website and marketing performance.

Some cookies may be essential for website functionality, while others may be optional.

Our collection and use of information through cookies and similar technologies is further described in our Privacy Policy.

You may be able to control certain cookies through your browser settings or through privacy or cookie-management tools made available on our website.

13. Intellectual Property

Unless otherwise stated, the website and its original content, including:

• PolicyWonders branding;

• Logos;

• Graphics;

• Website design;

• Written content;

• Layout;

• Images owned by PolicyWonders;

• Software; and

• Other proprietary materials

are owned by or licensed to PolicyWonders and are protected by applicable intellectual-property laws.

You may access and use the website for lawful personal purposes.

• Without prior written permission, you may not:

• Copy or republish substantial portions of our website;

• Sell or sublicense our content;

• Reproduce or redistribute proprietary content for commercial purposes;

• Modify PolicyWonders branding or represent our materials as your own; or

• Use PolicyWonders trademarks or logos in a manner that implies unauthorized affiliation or endorsement.

14. Third-Party Links

PolicyWonders may contain links to websites or services operated by third parties.

These links may be provided for convenience or informational purposes.

PolicyWonders does not control third-party websites and does not guarantee or endorse their:

• Content;

• Accuracy;

• Security;

• Products;

• Services;

• Privacy practices; or

• Terms and conditions.

Your use of third-party websites is subject to the applicable terms and policies of those third parties.

15. Website Availability and Accuracy

We attempt to maintain accurate and useful website information, but we do not guarantee that:

• Every statement will always be current or complete;

• The website will operate without interruption;

• The website will be free from errors;

• Every feature will remain available;

• Information supplied by third parties will always be accurate; or

• Website content will be suitable for every user's circumstances.

We may modify, update, suspend, or discontinue portions of the website at any time, subject to applicable law.

16. Disclaimer of Warranties

To the maximum extent permitted by applicable law, PolicyWonders and its website are provided on an “as is” and “as available” basis.

PolicyWonders makes no express or implied warranties concerning:

• Website availability;

• Insurance eligibility;

• Insurance coverage;

• Rates or premiums;

• Savings;

• Accuracy of third-party information;

• Suitability of insurance products;

• Provider availability; or

• Results obtained through use of the website.

Nothing in these Terms excludes any warranty, right, or protection that cannot legally be excluded or limited under applicable law.

17. Limitation of Liability

To the maximum extent permitted by applicable law, PolicyWonders will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from or related to:

• Your use of or inability to use the website;

• Insurance products or services offered by third parties;

• Decisions made by insurance carriers or providers;

• Quotes, premiums, coverage, or claims;

• Third-party communications;

• Unauthorized access to information despite reasonable security measures; or

• Website interruptions, errors, or technical problems.

Nothing in these Terms limits liability that cannot legally be limited or excluded.

18. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless PolicyWonders and its owners, affiliates, officers, employees, contractors, and service providers from claims, liabilities, damages, losses, and reasonable expenses arising from:

• Your unlawful use of the website;

• Your violation of these Terms;

• Fraudulent or unauthorized information submitted by you; or

• Your infringement of another person's rights.

This provision does not apply to the extent prohibited by applicable law.

19. Privacy

Your use of PolicyWonders is also subject to our Privacy Policy, which explains how we collect, use, disclose, retain, and protect personal information.

You should review our Privacy Policy before submitting personal information through the website.

20. Changes to These Terms

We may revise these Terms from time to time to reflect changes in:

• Our services;

• Business operations;

• Website functionality;

• Applicable laws; 

• Regulatory requirements.

When these Terms are updated, we will revise the “Last Updated” date at the top of this page.

Where required by applicable law, we will provide additional notice of material changes.

Your continued use of PolicyWonders following an update constitutes acceptance of the revised Terms to the extent permitted by applicable law.

21. Severability

If any provision of these Terms is determined to be unlawful, invalid, or unenforceable, that provision will be interpreted or limited to the extent necessary under applicable law.

The remaining provisions will continue in effect.

22. No Waiver

Failure by PolicyWonders to enforce any provision of these Terms does not constitute a waiver of that provision or any other right.

23. Contact Information

If you have questions about these Terms and Conditions, please contact:

PolicyWonders
Website: policywonders.com
Email: info@policywonders.com

Terms & Conditions Summary

Connection Service

PolicyWonders is an independent insurance shopping and consumer connection platform that may operate as an insurance lead-generation and referral service. We help consumers explore insurance options and may facilitate connections with licensed insurance agents, agencies, insurance companies, or other providers.

Accuracy of Submitted Information

By submitting an inquiry, you agree to provide truthful, accurate, and current information and represent that you are authorized to provide the information submitted.

No Guarantee of Savings or Coverage

PolicyWonders does not guarantee savings, lowest rates, insurance approval, carrier availability, specific premiums, coverage, or particular insurance products. Insurance availability, eligibility, pricing, and coverage are determined by the applicable insurance provider.

Communications

If a PolicyWonders form contains a separate telephone or SMS marketing consent disclosure, any consent you provide is governed by the disclosure presented with that form. Consent to receive marketing communications is not a condition of purchasing insurance or obtaining insurance-related goods or services.

Independent Providers

Insurance agents, agencies, insurance companies, carriers, and other providers operate independently from PolicyWonders and are responsible for their own insurance products, quotes, underwriting, policies, communications, and services.

Privacy

Information submitted through PolicyWonders may be used to process an insurance inquiry and may be shared or used to facilitate a connection with an insurance professional or provider that may be able to assist with the request, as described in our Privacy Policy.