Terms of Service
Welcome to Toolezia (toolezia.site). By using this website, you agree to these Terms of Service. If you do not agree, please do not use the site.
1. What Toolezia provides
Toolezia offers free online calculators and educational articles about insurance and personal finance. The site is for general information only.
2. Estimates only, not advice
This is an estimate only, not a real quote. Calculator results are approximations based on the information you enter and simplified formulas. They are not insurance quotes, offers of coverage, or financial, legal, tax or investment advice. Consult a licensed insurance agent or qualified professional for accurate pricing and advice for your situation.
3. Not an insurance company or agent
Toolezia does not sell insurance, act as an insurance agent or broker, or issue policies. We do not collect your information to pass to insurers.
4. Acceptable use
You agree to use the site lawfully. You must not:
- Copy, scrape or resell our content or tools without written permission.
- Interfere with the site’s operation or security, or attempt to gain unauthorized access.
- Use automated systems to overload the site.
- Use the site to break any law or infringe anyone’s rights.
5. Accuracy of information
We work to keep our calculators and articles accurate and current, and we show a last updated date on our pages. However, insurance rules, prices and laws change, and we do not guarantee that the content is complete, current or error-free. You are responsible for how you use the information.
6. Intellectual property
The text, design, calculators and code on Toolezia belong to Toolezia or its licensors and are protected by copyright and other laws. You may use the calculators for personal use and share links to our pages. Any other use requires our written permission.
7. Third-party links and advertising
Our pages may contain links to other websites and may display ads served by third parties, such as Google AdSense. We do not control third-party sites or ads, and we are not responsible for their content, products or privacy practices. Seeing an ad on Toolezia is not an endorsement. Please read our Privacy Policy to learn how cookies and advertising work on this site.
8. Disclaimer of warranties
The site and its tools are provided “as is” and “as available,” without warranties of any kind, either express or implied, including accuracy, fitness for a particular purpose, and uninterrupted or error-free operation.
9. Limitation of liability
To the fullest extent allowed by law, Toolezia and its owners, editors and contributors are not liable for any indirect, incidental, special or consequential damages, or for any loss arising from your use of, or reliance on, the site or its calculator results. This includes decisions about buying, changing or canceling insurance.
10. Changes to the site and these terms
We may change, suspend or remove any part of the site at any time. We may also update these Terms. The updated version will show a new “last updated” date, and continued use of the site means you accept the changes.
11. Governing law
These Terms are governed by the laws of [YOUR STATE/COUNTRY], without regard to conflict-of-law rules. Any dispute will be handled in the courts of that location.
12. Contact us
Questions about these Terms? Email us at info@nsmgraphic.com.