Terms of Use and Disclaimer

By using the Policy & Property website at https://policyandproperty.pages.dev/ (the "Site") or our videos, you agree to these terms. If you do not agree, please do not use the Site.

Educational content only

Everything on the Site and in our videos is general information for educational purposes. It is not insurance, financial, investment, tax, real estate or legal advice, and it is not a recommendation to buy, sell, cancel or change any policy, loan or property. Your situation is unique. Before making a decision, read your own policy or loan documents and consult a licensed insurance agent or broker, a licensed mortgage professional, an attorney, or another qualified advisor.

No professional relationship

Policy & Property is not a licensed insurance agent, broker or adjuster, mortgage lender, broker or loan originator, financial advisor or law firm. Reading the Site, watching our videos or emailing us does not create any professional or client relationship.

Accuracy and timeliness

We work hard to be accurate. Every article lists its sources and the date its information was checked. However, insurance rates, mortgage rates, laws, court cases and market data change often, sometimes daily. Information may be out of date after the "Last updated" date shown, and we cannot guarantee that every item is complete, current or error-free. Examples featuring fictional households are illustrations only; your premium, payment or claim result will differ. If you spot an error, please tell us; our correction process is described in our Editorial Policy.

Lawsuits and allegations

When we report on lawsuits, investigations or settlements, claims made by one party are allegations unless a court or regulator has decided otherwise. Our coverage is not a statement that any person or company has broken the law.

Third-party links

The Site links to websites we do not control, including government agencies, news outlets, data providers and, in the future, companies reached through labeled paid links. We are not responsible for their content, accuracy, products, services or privacy practices. A link is not an endorsement of everything on that site. Any quote, policy or loan you obtain from a third party is solely between you and that company.

Intellectual property

The text, graphics, video content and branding on the Site are owned by Policy & Property unless otherwise noted. You may share links to our pages and quote short excerpts with credit and a link back. Please do not republish full articles or videos without written permission. Third-party trademarks and company names belong to their owners and are used only to identify them in news and commentary.

Limitation of liability

To the fullest extent permitted by law, the Site and our videos are provided "as is" and "as available," without warranties of any kind, express or implied. Policy & Property and its operator are not liable for any loss or damage, including financial loss, arising from your use of, or reliance on, the Site, our videos or any linked third-party site. You are responsible for your own decisions.

Changes

We may update these terms from time to time. The "Last updated" date shows when they last changed. Continued use of the Site after a change means you accept the updated terms.

Contact

Questions about these terms: sksinghmbu2@gmail.com