Terms of Use

Last updated: 2026-05-03

Acceptance of Terms

By accessing or using home-insurance-gap-analyzer.hub2.day (the "Site"), you agree to these Terms of Use. If you do not agree, do not use the Site.

Purpose and Informational Use Only

The Home Insurance Gap Analyzer is a guided worksheet designed to help homeowners and renters think through common coverage gaps. The Site provides general information and convenience tools only. It is not a substitute for professional advice from a licensed insurance agent, broker, attorney, or financial advisor.

You are responsible for verifying any outputs, recommendations, or observations from the Site against your actual policy documents and the advice of qualified professionals.

No Professional Advice

Nothing on the Site constitutes insurance, legal, tax, or financial advice. The Site does not recommend specific policies, carriers, or coverage amounts as suitable for your individual circumstances. You should consult a licensed professional before making insurance decisions.

Lawful Use

You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of, or restrict the use of the Site by, any other person.

Prohibited Misuse

You must not:

Advertising and Third Parties

The Site displays advertisements through Google AdSense and may include links to third-party websites or services. We do not control and are not responsible for the content, accuracy, or practices of those third parties. Your interactions with advertisers or linked sites are solely between you and those parties.

Intellectual Property

The Site's text, design, layout, and underlying code are protected by applicable intellectual property laws. You may use the Site for personal, non-commercial purposes. You may not copy, modify, distribute, or create derivative works from the Site's content without permission, except as allowed by law.

Availability and Changes

The Site is provided on an "as is" and "as available" basis. We may modify, suspend, or discontinue the Site or any part of it at any time without notice. We are not liable to you or any third party for any changes or discontinuation.

Disclaimers

To the fullest extent permitted by law, the Site and its content are provided without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Site will be uninterrupted, error-free, or free of harmful components, or that any defects will be corrected.

Limitation of Liability

To the maximum extent permitted by applicable law, the operator of the Site is not liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or use, arising from your use of or inability to use the Site, even if advised of the possibility of such damages.

In no event shall total liability exceed the amount you have paid to access the Site, which is zero, or the minimum amount required by applicable law.

Indemnity

You agree to indemnify and hold harmless the operator of the Site from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of the Site, your violation of these Terms, or your violation of any law or third-party right.

Disputes

These Terms are governed by the laws of the jurisdiction in which the Site operates, without regard to conflict-of-law principles. Any disputes will be resolved in the courts of that jurisdiction, and you consent to the exclusive jurisdiction of those courts.

Privacy

Your use of the Site is also governed by our Privacy Notice, which is incorporated into these Terms by reference. Please review the Privacy Notice to understand how information is handled.

Contact

For questions about these Terms, contact us at hello@home-insurance-gap-analyzer.hub2.day.