Terms of Service

Effective Date: April 2026
Operated by: Tojocu, LLC

Acceptance of Terms

By accessing or using TheInsuranceWiki.com (the "Site"), you agree to be bound by these Terms of Service. If you do not agree to these terms, you should not use the Site.

Educational Content Only

All content published on TheInsuranceWiki.com is provided for general educational and informational purposes only. Nothing on the Site constitutes insurance advice, legal advice, financial advice, or a recommendation to purchase any specific insurance product or policy. Insurance coverage requirements, rates, and availability vary by state, carrier, and individual risk profile.

Users should consult a licensed insurance professional in their state for advice specific to their individual circumstances. TheInsuranceWiki is not a licensed insurance agent, broker, or financial advisor.

No Guarantees

We make reasonable efforts to ensure that the information on the Site is accurate and up to date, but we make no representations or warranties, express or implied, regarding the accuracy, completeness, or fitness for a particular purpose of any content. Insurance laws, regulations, and carrier offerings change frequently. Content on this Site may not reflect the most current regulatory or market conditions.

The Site is provided on an "as is" and "as available" basis without warranties of any kind.

Limitation of Liability

To the fullest extent permitted by applicable law, Tojocu, LLC, its officers, employees, agents, and affiliates shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Site or any content on the Site. This includes, without limitation, any reliance on information found on the Site in connection with an insurance purchasing decision.

Affiliate Links

The Site may contain affiliate links to third-party insurance carriers and comparison platforms. Clicking these links may result in compensation to Tojocu, LLC at no additional cost to the user. The presence of affiliate links does not constitute an endorsement of any specific product, carrier, or coverage level. See our Affiliate Disclosure for full details.

Third-Party Links

The Site may contain links to third-party websites. We are not responsible for the content, accuracy, or privacy practices of any third-party sites. Links do not imply endorsement.

Intellectual Property

All content on TheInsuranceWiki.com, including text, structure, and design, is the property of Tojocu, LLC unless otherwise noted. Content may not be reproduced, copied, or distributed without prior written permission from Tojocu, LLC, except for personal, non-commercial reference use.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the State of Arizona, without regard to its conflict of law principles. Any disputes arising from or relating to these terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of the State of Arizona.

Changes to These Terms

We reserve the right to modify these Terms of Service at any time. Changes will be reflected by an updated effective date. Continued use of the Site after changes are posted constitutes acceptance of the revised terms.

Contact

Questions regarding these Terms of Service may be directed to Tojocu, LLC at: advertisingops@tojocu.com | +1 (480) 256-8101