Effective Date: November 1, 2025
By accessing, browsing, or using the Insurance Gripe website (the "Service") located at insurancegripe.com, or any related mobile applications (collectively, the "Site"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree to these Terms, you must not use the Service.
These Terms constitute a legally binding agreement between you ("User," "you," or "your") and Insurance Gripes LLC, an Ohio limited liability company ("we," "us," or "our"), with a mailing address of P.O. Box 5415, 2711 W Market St, Fairlawn, Ohio, 44333.
Insurance Gripes is an online platform that allows users to:
The Service calculates and displays aggregated review scores from user ratings and anonymized stories, without displaying personally identifiable information (PII). We do not file complaints on your behalf or provide legal representation. User-submitted data is collected, anonymized where possible, and owned by us for use in analytics, platform improvements, or sale of aggregated/anonymized datasets to third parties, as disclosed in our Privacy Policy.
The Service aims to promote transparency in the insurance industry but does not offer professional advice, endorsements, or guarantees of outcomes.
You must be at least 18 years old to use the Service. By using the Service, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms.
To access certain features, you must create an account by providing a valid email address, and a secure password. All information must be accurate and complete.
You are responsible for:
We may suspend or terminate accounts for violations without notice.
Accounts require email verification. We may reject registrations from disposable emails, blocked domains, or those appearing automated.
By submitting Gripes, ratings, reviews, comments, or other content ("User Content"), you represent and warrant that:
Gripes must:
You may not submit User Content that:
We may review, edit, remove, or archive User Content at our sole discretion, using automated tools for fraud detection. We are not obligated to monitor but reserve the right to do so. Violations may result in account suspension or termination.
You grant us a non-exclusive, royalty-free license to use any feedback for improvements, without compensation.
By submitting User Content, you grant us a perpetual, irrevocable, worldwide, royalty-free, non-exclusive license to use, reproduce, modify, share data, distribute, display, perform, and create derivative works (e.g., aggregated scores, anonymized PDFs) for any purpose, including commercialization of anonymized data. This includes sublicensing to third parties.
You retain ownership of your User Content but acknowledge our ownership of aggregated or derived data. We commit to anonymizing User Content by removing PII before public display, sharing, or sale.
We collect and use data as described in our Privacy Policy, including for PDF generation and analytics. We own collected data and may sell anonymized aggregates. You may request account deletion (subject to legal holds) via support@insurancegripe.com. We comply with applicable laws (e.g., CCPA) and notify of breaches as required. For accessibility, the Service meets WCAG 2.1 AA standards; contact us for accommodations.
The Service and its content (excluding User Content) are owned by us or licensors. You are granted a limited, revocable license for personal, non-commercial use. You may not copy, modify, or distribute without permission. Trademarks are protected; no endorsement is implied.
The Service is provided "AS IS" without warranties, express or implied, including merchantability or fitness for a particular purpose.
PDF reports and routing links are for user convenience only. We do not verify accuracy, endorse content, or provide legal/insurance advice. Use at your own risk; we are not liable for regulatory outcomes.
Review scores and stories are user-generated opinions, not verified facts or recommendations.
We do not offer opinions, recommendations or referrals in the selection of insurance products. Our service is limited to Paragraph #2 above.
We do not verify the truthfulness of user-submitted content. Insurance company ratings reflect individual user experiences and opinions, not our endorsements or recommendations.
Our Service provides a platform for sharing information and Gripes. It does not provide legal advice, insurance advice, professional consultation or recommendations for specific insurance products or companies.
Our Service may contain links to third-party websites, including state insurance regulatory bodies. We are not responsible for the content, privacy policy, or availability of third party sites.
To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, consequential, special, or punitive damages, including lost profits or data, arising from the Service. Our total liability shall not exceed $100 (or the amount paid, if any). Some states do not allow such limitations, so they may not apply to you.
You agree to indemnify, defend, and hold us harmless from any claims, losses, or expenses (including attorneys' fees) arising from your User Content, use of the Service, or violations of these Terms.
We may terminate or suspend your access at any time, for any reason in our sole discretion. Upon termination, your license ends; User Content may persist in anonymized aggregates per Section 5. You may request data deletion, subject to legal requirements.
These Terms are governed by Ohio law, without regard to conflicts principles.
Any disputes shall be resolved exclusively in state or federal courts in Summit County, Ohio; you consent to jurisdiction and venue there.
Any claim exceeding $10,000 shall be resolved by binding arbitration under American Arbitration Association (AAA) rules in Akron, Ohio, before a single arbitrator. You waive jury trials.
Claims must be brought individually; class, representative, or consolidated actions are waived.
We may update these Terms; material changes receive 30 days' notice via email or Site posting. Continued use constitutes acceptance.
