Terms of Use

Effective January 15, 2024

The life insurance search and quote tools and service (collectively the “Service”) and other content provided on https://houstoninsurance.org (the “Site”) is provided by Algoli LLC and its subsidiaries and affiliates (“Algoli” or “we”) subject to these terms of use (the “Terms”). These Terms describe the rules for using the Site including all subsidiary webpages and access to any optimized version of the Site via a wireless device, and are legally binding between you, the person using this Site, and Algoli. Terms such as “we,” “our” and “us” refer to Algoli.

By accessing and using the Service or any portion of the Site, you agree to be bound by these Terms. We may update these Terms at any time, and such updated versions will be posted on the Site. By continuing to use this Site after the Terms are updated, you consent to any such updated version of these Terms.

To understand Algoli’s practices regarding collection, use, and storage of information received through our Site, please read our Privacy Policy.

Copyright Notice

To be eligible to use the Service, you must be at least 18 years of age and reside in the United States.

Houston Insurance is licensed to provide services as Algoli LLC in all states.

Availability of insurance policy products varies by state and Site content may include information about products that are not available in your state. Information about insurance companies represented by Algoli and their respective products is intended for residents of states in which those insurance companies are licensed. Applications will not be sought or accepted on behalf of any insurance companies from residents of states in which such insurance company is not licensed.

All applications for insurance are subject to underwriting qualification by the specific insurance company to which the application is submitted. Accordingly Algoli has no control over whether you ultimately qualify for insurance at the estimated rates and Algoli makes no warranties or guarantees with respect to qualification. Furthermore, availability of premium rates and policy forms may be changed by each insurer without prior notice. Suicide, misstatement and misrepresentation and other restrictions may apply.

Compensation Disclosure

Algoli is an insurance producer licensed by the State of New York. Insurance producers are authorized by their license to confer with insurance purchasers about the benefits, terms and conditions of insurance contracts; to offer advice concerning the substantive benefits of particular insurance contracts; to sell insurance; and to obtain insurance for purchasers. The role of the producer in any particular transaction typically involves one or more of these activities.

Compensation will be paid to the producer, based on the insurance contract the producer sells. Depending on the insurer(s) and insurance contract(s) the purchaser selects, compensation will be paid by the insurer(s) selling the insurance contract or by another third party. Such compensation may vary depending on a number of factors, including the insurance contract(s) and the insurer(s) the purchaser selects. In some cases, other factors such as the volume of business a producer provides to an insurer or the profitability of insurance contracts a producer provides to an insurer also may affect compensation.

The insurance purchaser may obtain information about compensation expected to be received by the producer based in whole or in part on the sale of insurance to the purchaser, and (if applicable) compensation expected to be received based in whole or in part on any alternative quotes presented to the purchaser by the producer, by requesting such information from the producer.

Use of Site Content

The content on the Site are intended to provide information about Algoli, our services, insurance companies and insurance products that may be available to you. All content on the Site, including text, graphics, icons, logos, layouts and images and their selection and arrangement (collectively “Site Content”), is the exclusive property of Algoli or, if applicable, our licensors, and is protected by U.S. and international copyright laws. Insurance company logos are exclusive property of the respective insurance companies and are used with permission. All rights not expressly granted are reserved.

Algoli may, in its sole discretion, suspend or discontinue the Site, Service, or any Site Content at any time without notice. Algoli gives you permission to access, download, display and print one copy of the Site Content for your personal use, provided that you do not modify any Site Content and that you retain all copyright and proprietary notices contained in the materials. You may not otherwise “mirror,” reproduce, modify, distribute, transmit, post, or use the Site Content in any other media without Algoli’s prior written consent.

Disclaimers

The Site and Service are intended to provide general information about Algoli and its services and represented insurance providers and their products that may be available to you. The Site and Service are not intended to constitute consulting, financial, accounting or other professional advice or services. While we strive to maintain Site Content that is accurate and up-to-date and provide quotes that are realistic, the Site Content, including quote information, is based on information provided by numerous providers that is subject to change and may include inaccuracies or material that is outdated. Algoli does not represent the accuracy or reliability of any statement or information made available on or through the Site. It is your responsibility to review the accuracy of the information you provide, as well as the information provided to you on the Site and from the insurance companies.

THE SITE AND ALL SITE CONTENT IS PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Algoli AND ANY THIRD PARTY PROVIDERS OF SITE CONTENT MAKE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO THE OWNERSHIP, ACCURACY, OR ADEQUACY OF THE SITE CONTENT.

Indemnification and Limitation of Liability

You agree to defend, indemnify, Algoli and its subsidiaries, affiliates, officers, directors, employees, and agents as well as any third party providers of Site Content (“Site-Related Parties”), harmless from any claim, demand, or damage, including reasonable attorneys’ fees, arising out of or related to your breach of these Terms or your use or misuse of the Site Content or Site.

YOU AGREE THAT NONE OF THE SITE-RELATED PARTIES SHALL BE LIABLE FOR ANY DAMAGE RESULTING FROM YOUR USE OR INABILITY TO USE THE SITE OR SITE CONTENT. THIS PROTECTION COVERS CLAIMS BASED ON WARRANTY, CONTRACT, TORT, STRICT LIABILITY, AND ANY OTHER LEGAL THEORY. THIS PROTECTION COVERS THE SITE-RELATED PARTIES, INCLUDING ALL AFFILIATES, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS. THIS PROTECTION COVERS ALL LOSSES INCLUDING, WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, AND PUNITIVE DAMAGES, PERSONAL INJURY/WRONGFUL DEATH, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION. THE TOTAL, CUMULATIVE, LIABILITY OF THE SITE-RELATED-PARTIES, INCLUDING ALL AFFILIATES, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, IF ANY, FOR LOSSES OR DAMAGES SHALL BE LIMITED TO THE AMOUNT OF YOUR ACTUAL DAMAGES, NOT TO EXCEED U.S. $10.00. THE LIMIT OF LIABILITY MAY NOT BE EFFECTIVE IN SOME STATES. IN NO EVENT SHALL THE SITE-RELATED PARTIES, INCLUDING ALL AFFILIATES, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, BE LIABLE TO YOU FOR ANY LOSSES OR DAMAGES OTHER THAN THE AMOUNT DESCRIBED ABOVE. ALL OTHER DAMAGES, DIRECT OR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE, RESULTING FROM ANY USE OF THE SITE OR CONTENT ARE EXCLUDED EVEN IF THE SITE-RELATED-PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. YOU AGREE THAT YOU USE THIS SITE AT YOUR OWN RISK. IF YOU ARE DISSATISFIED WITH THIS SITE OR THE SITE CONTENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE SITE.

Governing law, Jurisdiction; Disputes.

These Terms are governed by the laws of the State of Minnesota without reference to the principles of conflicts of laws thereof. You agree that the only proper jurisdiction and venue for any dispute with Algoli relating to your use of this Site, is in the state and federal courts in the State of Minnesota, U.S.A. You further agree and consent to the exercise of personal jurisdiction in these courts in connection with any dispute involving Algoli or its employees, officers, directors, agents and providers. If any provision of these Terms is determined to be invalid under any applicable statute or rule of law, such provision is to that extent to be deemed omitted, and the balance of the Terms shall remain enforceable. Before seeking legal recourse for any harm you believe you have suffered arising from or related to your use of this Site, you agree to inform us in writing and to give us 30 days to cure the harm before initiating any action. You must initiate any cause of action within one year after the claim has arisen, or you will be barred from pursuing any cause of action.

Contact Us

If you have any questions or need to get in touch with us, you may use the following methods:

Licensing Information

Licensed in all states as Algoli LLC