Cyber Insurance Guide
路 4 min read

Terms of Service

Last Updated: August 25, 2025

Agreement to Terms

By accessing or using the Cyber Insurance Guide website (“Service”), you agree to be bound by these Terms of Service (“Terms”). If you disagree with any part of these terms, you may not access the Service.

Description of Service

Cyber Insurance Guide provides educational content, resources, and guidance about cyber insurance for small businesses. Our Service includes:

  • Educational articles and guides about cyber insurance
  • Industry and state-specific coverage information
  • Cost calculators and comparison tools
  • Links to insurance carriers and agents (affiliate relationships disclosed)

Important Disclaimers

Not Licensed Insurance Professionals

We are not a licensed insurance agency, broker, or carrier. We do not sell, solicit, negotiate, or bind insurance policies. All insurance transactions must be conducted through properly licensed professionals.

Educational Content Only

Our content is for educational and informational purposes only. It does not constitute:

  • Professional insurance advice
  • Legal advice
  • Financial advice
  • Recommendations specific to your business

Consult Licensed Professionals

Always consult with licensed insurance professionals, attorneys, or financial advisors before making coverage decisions. Every business has unique needs that require professional evaluation.

Affiliate Relationships

Affiliate Commissions

We may earn commissions when you click links to insurance carriers, agents, or related services. These affiliate relationships are clearly disclosed on relevant pages.

Independence of Content

Affiliate relationships do not influence our educational content. We only partner with carriers and services we would genuinely recommend based on their reputation and offerings.

No Obligation

You are never obligated to use any linked services. Our goal is to provide education that helps you make informed decisions.

User Conduct

You agree not to:

  • Use the Service for any unlawful purpose
  • Attempt to gain unauthorized access to any part of the Service
  • Interfere with or disrupt the Service’s functionality
  • Distribute malware or harmful code
  • Violate any applicable laws or regulations

Intellectual Property

Our Content

All content on this website, including text, graphics, logos, and software, is owned by Cyber Insurance Guide or our content licensors. This content is protected by copyright and trademark laws.

Your Use Rights

You may view, download, and print content for personal, non-commercial use only. You may not reproduce, distribute, or create derivative works without written permission.

User-Generated Content

If you submit comments, feedback, or other content, you grant us a non-exclusive, royalty-free license to use, modify, and display that content.

Our Service contains links to third-party websites and services. We are not responsible for:

  • The content or privacy practices of third-party sites
  • Any transactions you conduct with third parties
  • The accuracy of information on external websites

Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our data collection and use practices.

Disclaimers and Limitation of Liability

Information Accuracy

While we strive for accuracy, we make no warranties about the completeness, reliability, or accuracy of information on the Service. Insurance markets, regulations, and carrier requirements change frequently.

No Warranties

The Service is provided “as is” without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

Limitation of Liability

To the maximum extent permitted by law, Cyber Insurance Guide shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.

Maximum Liability

Our total liability for any claim related to the Service shall not exceed $100 USD.

Changes to Service

We reserve the right to:

  • Modify or discontinue the Service at any time
  • Update content, features, or functionality
  • Change these Terms with appropriate notice

Termination

We may terminate or suspend your access to the Service at any time, without prior notice, for conduct that we believe violates these Terms or is harmful to other users or the Service.

Governing Law

These Terms are governed by the laws of [Your State], without regard to conflict of law principles. Any disputes will be resolved in the courts of [Your County], [Your State].

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Contact Information

If you have questions about these Terms of Service, please contact us at:

Cyber Insurance Guide
Email: [Your Email]
Address: [Your Business Address]

Changes to Terms

We will notify users of material changes to these Terms by posting the updated version on this page with a new “Last Updated” date. Your continued use of the Service after changes constitutes acceptance of the new Terms.

These Terms of Service are effective as of the date listed above and govern your use of the Cyber Insurance Guide website and services.