1. Nature of Our Services

Panel Partners Inc. operates strictly as an independent affiliate platform. We are not an insurance provider, insurance broker, agent, or underwriter. Our service is solely designed to connect users with third-party marketing partners, licensed brokers, and insurance carriers in their geographic area.

Any information, estimates, or guidance provided on our platform are for general informational purposes only and do not constitute professional financial, legal, or binding insurance advice.

2. Eligibility and User Responsibilities

By using our platform, you affirm that you are at least 18 years of age and possess the legal authority to enter into this agreement. When using our forms or submission systems, you agree to:

• Provide accurate, current, and complete personal and geographic information.
• Use our platform strictly for legitimate individual or commercial insurance comparison purposes.
• Verify all final policy details, premiums, deductibles, and fine print directly with the third-party provider before binding any contract.

3. Consent to Contact and Third-Party Interaction

By submitting your contact information (such as phone number, email address, and ZIP code) through our website, you grant your express written consent to be contacted by our network of verified third-party service providers, brokers, or partners.

You acknowledge that these third-party entities may contact you directly via phone, text message, automated dialing system, or email to provide insurance quotes and related options, even if your number is listed on a local or national “Do Not Call” registry.

4. Intellectual Property

All content, branding, logos, graphics, text, layout structures, and underlying software code on this website are the intellectual property of Panel Partners Inc. and are protected by applicable copyright, trademark, and trade dress laws. You may not copy, replicate, distribute, or commercially exploit any part of our platform without prior written authorization.

5. Limitation of Liability and No Warranties

Our platform and guidance services are provided entirely on an “as is” and “as available” basis without warranties of any kind. Panel Partners Inc. explicitly disclaims all liability for:

• Any agreements, transactions, or binding policies entered into between you and a third-party insurance provider.
• The behavior, customer service, or regulatory standing of any third-party provider we connect you with.
• Errors, delays, pricing changes, or inaccuracies displayed on our website or within our partners’ offers.
• Decisions or financial losses resulting from reliance on our matching services.

6. Modifications to Terms and Services

We reserve the right to modify, suspend, or discontinue any aspect of our website or these Terms of Service at any time without prior notice. Continued use of our website following any changes constitutes your binding acceptance of the updated Terms.

7. Governing Law

These Terms of Service shall be governed by, construed, and enforced in accordance with the laws of the jurisdiction in which Panel Partners Inc. is registered, without giving effect to any principles of conflicts of law.

8. Contact Information

If you have any questions or require clarification regarding these Terms of Service, please contact us directly: