Terms of Use

1. Acceptance of these terms

By accessing or using this website, you agree to these Terms of Use and the Privacy Policy. If you do not agree, do not use the website.

FIG may update these terms from time to time. Continued use after updated terms are posted constitutes acceptance of the revised terms to the extent permitted by law.

2. Consumer-first purpose

FIG’s philosophy is “Educate First. Recommend Second. Sell Last.” The website is designed to help visitors learn about insurance, explore options, begin shopping, and request licensed help when desired.

Availability of self-service quoting, applications, purchasing, carrier links, or licensed assistance may depend on product, state, carrier, appointment, licensing, underwriting, and technology.

3. General education only

Website lessons, games, product summaries, examples, definitions, recommendations, comparisons, FAQs, and other content are provided for general educational and informational purposes.

Website content is not legal, tax, medical, financial, investment, accounting, claims-adjusting, or other professional advice. Visitors should consult appropriately qualified professionals about their individual circumstances.

Educational recommendations generated from game performance or topics explored are not individualized insurance advice, underwriting decisions, suitability determinations, or guarantees that a particular product is appropriate.

4. FIG Myth Buster Showdown

The FIG Myth Buster Showdown is an educational game. Points, levels, trophies, medals, badges, achievements, bonuses, recommendations, category progression, and certificates are for entertainment and education only.

Game results do not establish insurance knowledge, professional qualifications, licensing, eligibility, insurability, underwriting status, or entitlement to any insurance product or benefit.

A Myth Buster certificate is not an insurance license, professional designation, continuing-education credit, policy, contract, guarantee, or proof of coverage.

Game progress may be saved in local browser storage. FIG does not guarantee that saved progress will remain available, transfer between devices, or be recoverable after browser data is deleted or technology changes.

5. No guarantee of insurance coverage

Use of the website, completion of a form, receipt of an estimate or quote, interaction with an educational tool, discussion with a representative, or submission of an application does not guarantee:

• Eligibility or insurability
• Approval of an application
• A particular premium, rate, benefit, or coverage limit
• Availability of a specific carrier or product
• Coverage for a particular loss, condition, event, or claim
• Issuance, renewal, continuation, or reinstatement of a policy

6. A form or quote does not activate coverage

Insurance coverage cannot be created, changed, renewed, canceled, reinstated, or bound solely by submitting a contact form, completing an introductory quote form, receiving a FIG reference number, sending an email, leaving a voicemail, playing a game, or using this website.

A quote or estimate is not a policy and may change after verification, underwriting, application review, carrier rules, or additional information.

Coverage becomes effective only when an authorized insurance carrier or appropriately authorized representative confirms acceptance, all required conditions are satisfied, required payment is received when applicable, and an effective date is established.

7. Applications, underwriting, and payment

Insurance applications may require additional information, identity verification, signatures, underwriting, payment, carrier approval, and other conditions.

Do not assume coverage exists until you receive confirmation from the carrier or authorized representative and review the effective date and issued policy documents.

FIG’s current general forms are not intended to collect Social Security numbers, driver’s-license numbers, banking information, payment-card information, detailed medical records, or account passwords.

8. Policy documents control

Insurance descriptions on this website are general summaries. Actual coverage is governed by the application, policy, declarations, endorsements, riders, exclusions, limitations, carrier rules, and applicable law.

If website content, a game explanation, a quote summary, or a representative’s general explanation differs from issued policy documents, the issued policy documents control.

9. Licensing and product availability

Insurance products and services may be offered only where FIG or the applicable insurance professional is properly licensed, appointed, and authorized.

Carrier appointments, product availability, underwriting rules, rates, eligibility, benefits, purchasing paths, and coverage options vary by state, applicant, carrier, and product.

10. Self-service and licensed assistance

Some products may support self-service shopping, quoting, applications, or purchasing. Other products may require or benefit from assistance by a licensed professional.

Choosing a self-service path does not guarantee that a product can be purchased without further carrier review, documentation, underwriting, payment, or licensed involvement.

Requesting licensed assistance does not require you to purchase insurance.

11. Accuracy of information you provide

You agree to provide accurate, current, and complete information when submitting an inquiry, quote request, or application.

Incorrect, incomplete, misleading, or omitted information may affect pricing, eligibility, underwriting, policy issuance, cancellation, rescission, benefits, or claim decisions.

12. Third-party carriers, links, and services

The website may link or redirect to insurance carriers, quoting platforms, enrollment systems, payment providers, Formspree, hosting providers, government resources, or other third-party websites and services.

FIG does not control third-party websites and is not responsible for their content, availability, security, privacy practices, pricing, products, underwriting decisions, representations, or actions.

Your use of third-party websites is governed by their own terms, privacy policies, disclosures, and agreements.

13. Customer accounts and preview features

Customer login, dashboard, policy, claims, document, insurance-card, mobile-app, and digital-wallet features may be previews, demonstrations, or planned features unless clearly identified as operational.

Demonstration information is not a real policy record, insurance card, claim, billing record, or proof of coverage.

Do not enter real passwords, policy documents, claims information, payment details, or sensitive personal information into a feature labeled as a preview or demonstration.

14. Digital insurance cards and wallet passes

A digital card, QR code, Apple Wallet pass, Google Wallet pass, Samsung Wallet pass, or similar feature is not official proof of insurance unless it contains authorized carrier data, is supported for the applicable product and state, and satisfies applicable requirements.

Preview wallet buttons and demonstration cards must not be relied upon as evidence of active insurance.

15. Electronic communications and consent

When you request contact or licensed help, you consent to receive communications related to your inquiry using the contact information you provide, subject to applicable law and any consent language shown with the form.

Consent to receive communications does not require you to purchase insurance.

16. Prohibited uses

You may not use the website to:

• Violate any applicable law or regulation
• Submit false, fraudulent, deceptive, or misleading information
• Impersonate another person or organization
• Attempt unauthorized access to systems or accounts
• Introduce malware, viruses, harmful code, or automated attacks
• Interfere with website operation, security, or availability
• Harvest information about other users
• Use automated scraping without written authorization
• Infringe intellectual-property or privacy rights
• Manipulate game progress, certificates, or website features deceptively

17. Intellectual property

Unless otherwise stated, website text, branding, graphics, page layouts, games, educational materials, logos, and original content are owned by or licensed to FIG and are protected by applicable intellectual-property laws.

You may view and print limited content for personal, noncommercial use. You may not reproduce, republish, sell, distribute, modify, or commercially exploit website content without written permission.

18. Website availability and changes

We may modify, suspend, restrict, or discontinue any portion of the website, game, shopping flow, preview, or service at any time.

We do not guarantee that the website will always be available, uninterrupted, current, secure, or free of technical problems.

19. Disclaimer of warranties

To the fullest extent permitted by law, the website and its content are provided on an “as is” and “as available” basis without warranties of any kind, express or implied.

FIG does not warrant that information, quotes, recommendations, progress data, links, tools, or previews will always be complete, accurate, current, suitable, error-free, secure, or available without interruption.

20. Limitation of liability

To the fullest extent permitted by applicable law, FIG and its owners, employees, agents, contractors, affiliates, carriers, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from use of or inability to use the website.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited.

21. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless FIG and its owners, employees, agents, contractors, and affiliates from claims, liabilities, losses, damages, and expenses arising from unlawful website use, violation of these terms, or infringement of another party’s rights.

22. Privacy

Information submitted through the website and browser-saved game data are addressed in the Privacy Policy.

23. Governing law and legal review

These terms are governed by the laws applicable to FIG, without regard to conflict-of-law principles, except where another jurisdiction’s law must apply.

Before public launch, legal counsel should review these terms and identify the correct state, county, venue, dispute-resolution process, required insurance disclosures, communication-consent language, and any product-specific terms.

24. Severability

If any provision is found invalid or unenforceable, the remaining provisions remain effective to the fullest extent permitted by law.

25. No waiver

Failure to enforce any provision does not waive the right to enforce that provision or another provision later.

26. Changes to these terms

We may update these terms as our website, technology, products, vendors, carrier relationships, or legal obligations change.

The updated version will be posted on this page with a revised effective date.

27. Contact us

Questions about these Terms of Use may be submitted through the website contact form.

Write “Terms of Use Question” in the message and do not include Social Security numbers, passwords, banking information, payment information, or detailed medical information.