Introduction
Welcome to shawnleeins. These Terms and Conditions govern your use of our website and home insurance services. By accessing our website or using our services, you agree to be bound by these terms and all applicable laws and regulations.
If you do not agree with any part of these terms, you must not use our website or services. We recommend reading these terms carefully before proceeding with any insurance applications or transactions.
Acceptance of Terms
By creating an account, submitting a quote request, or purchasing an insurance policy through shawnleeins, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy.
These terms constitute a legally binding agreement between you and shawnleeins. Your continued use of our services following any modifications to these terms signifies your acceptance of those changes.
User Obligations
As a user of our services, you agree to the following obligations:
- Accurate Information: You must provide true, accurate, current, and complete information when requesting quotes, applying for coverage, or filing claims.
- Account Security: You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
- Lawful Use: You agree to use our services only for lawful purposes and in accordance with these terms and all applicable local, state, and federal laws.
- Prohibited Activities: You may not engage in fraudulent activities, misrepresent information, interfere with our services, or attempt unauthorized access to our systems.
- Communication: You agree to receive communications from us regarding your policies, claims, payments, and other service-related matters via email, phone, or postal mail.
- Updates: You must promptly notify us of any changes to your contact information, property details, or other relevant data that may affect your coverage.
Service Description
shawnleeins provides home insurance services including policy comparison, quote generation, coverage selection, policy management, and claims assistance. We act as an intermediary between customers and insurance carriers to facilitate insurance transactions.
Our services include:
- Online quote generation based on your property and personal information
- Comparison of coverage options from multiple insurance carriers
- Policy application and enrollment assistance
- Access to customer support for questions and policy changes
- Claims filing assistance and guidance throughout the claims process
- Policy renewal reminders and coverage review services
We reserve the right to modify, suspend, or discontinue any aspect of our services at any time with reasonable notice to affected customers.
Insurance Coverage
The insurance policies offered through our platform are underwritten by licensed insurance carriers. shawnleeins does not directly underwrite or issue insurance policies but facilitates connections between customers and insurance providers.
Coverage terms, conditions, exclusions, and limitations are determined by the insurance carrier and specified in your policy documents. It is your responsibility to review all policy documents carefully before purchasing coverage.
- Coverage Verification: You must verify that the selected coverage meets your specific needs and property requirements.
- Policy Documents: Your insurance contract is governed by the terms and conditions of the policy issued by the carrier, not by these Terms and Conditions.
- Coverage Limits: All policies have coverage limits, deductibles, and exclusions that you should understand before purchasing.
- Claims Authority: Claims decisions, including approval, denial, and settlement amounts, are made by the insurance carrier according to policy terms.
Payment Terms
Insurance premiums and associated fees are determined by the insurance carrier based on underwriting criteria, coverage selections, and property characteristics. Payment terms vary by carrier and policy.
- Premium Payments: Premiums must be paid according to the schedule outlined in your policy. Common payment options include annual, semi-annual, quarterly, or monthly installments.
- Payment Methods: Accepted payment methods include credit cards, debit cards, bank transfers, and automatic withdrawals, subject to availability and carrier requirements.
- Late Payments: Failure to pay premiums on time may result in late fees, coverage lapses, or policy cancellation as specified in your policy terms.
- Refunds: Premium refunds for policy cancellations are handled according to the carrier's cancellation policy and may be subject to minimum earned premiums or administrative fees.
- Service Fees: shawnleeins may charge service fees for policy changes, endorsements, or administrative requests. Such fees will be disclosed prior to processing your request.
You authorize us to charge your designated payment method for all applicable premiums, fees, and charges associated with your insurance policies and services.
Cancellation Policy
Both you and the insurance carrier have the right to cancel an insurance policy under certain circumstances, subject to applicable laws and policy terms.
- Customer-Initiated Cancellation: You may cancel your policy at any time by providing written notice to shawnleeins or directly to the insurance carrier. Cancellation terms, including refund eligibility, are determined by the carrier's policy.
- Carrier-Initiated Cancellation: Insurance carriers may cancel policies for reasons including non-payment of premiums, material misrepresentation, fraud, or substantial increases in risk.
- Free Look Period: Many policies include a free look period (typically 10-30 days) during which you may cancel for a full refund. Specific terms are outlined in your policy documents.
- Mid-Term Cancellation: If you cancel mid-term, you may be entitled to a pro-rata or short-rate refund of unearned premiums, minus any applicable fees or minimum earned premium requirements.
- Account Closure: Canceling all active policies does not automatically close your account with shawnleeins. You may request account closure by contacting our customer service team.
Limitation of Liability
shawnleeins provides insurance brokerage services and website functionality but does not underwrite insurance policies or make coverage decisions. Our liability is limited as follows:
- Service Limitations: We make reasonable efforts to provide accurate information and reliable services but do not guarantee uninterrupted access, error-free operation, or specific outcomes.
- Third-Party Actions: We are not liable for actions, errors, omissions, or decisions made by insurance carriers, payment processors, or other third parties.
- Information Accuracy: While we strive to provide accurate insurance information, quotes, and policy details, we are not responsible for errors or discrepancies. Policy documents from carriers are the authoritative source.
- Claims Outcomes: We do not control claims decisions, settlement amounts, or dispute resolutions, which are determined by insurance carriers according to policy terms.
- Financial Losses: shawnleeins is not liable for indirect, incidental, consequential, or punitive damages arising from your use of our services or insurance policies obtained through our platform.
To the maximum extent permitted by law, our total liability to you for any claims arising from our services shall not exceed the amount of fees you paid to shawnleeins in the twelve months preceding the claim.
Changes to Terms
shawnleeins reserves the right to modify, amend, or update these Terms and Conditions at any time. When we make material changes, we will notify you through one or more of the following methods:
- Posting a notice on our website homepage
- Sending an email to the address associated with your account
- Displaying a notification when you log into your account
- Including a notice with your policy documents or billing statements
The "Last Updated" date at the top of this document indicates when the most recent changes were made. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.
If you do not agree with the updated terms, you should discontinue using our services and may cancel your policies according to the cancellation terms outlined in your policy documents.
Contact Us
If you have questions, concerns, or disputes regarding these Terms and Conditions, our services, or your insurance policies, please contact us using the following information:
- Email: [email protected]
- Phone: +1 (650) 249-2997
- Address: 101 Jefferson Drive, Menlo Park, CA 94025
Our customer service team is available to assist you with policy questions, account management, technical support, and general inquiries. We strive to respond to all communications within two business days.
For urgent matters related to active claims or policy cancellations, please contact us by phone for immediate assistance.
