Terms & Conditions

Using this website means agreeing to these Terms and Conditions in full. Opening any page, submitting a form, or creating an account confirms that these terms have been read, understood, and accepted, and they apply to every visitor whether or not an account has been created. They work alongside the Privacy Policy, which explains how personal information is handled, and continued browsing is treated as acceptance of the version published at the time of use. Anyone who does not agree with any part of these terms should stop using the website.

This website offers insurance guidance and quote comparisons for lawful, personal, and non-commercial use. Submitting information that is false, misleading, or belongs to another person without proper authority is not permitted, and neither is any attempt to gain unauthorized access to an account, server, or system connected to the website. Interfering with the operation of the site through automated scraping, probing, or harmful code, and copying, reselling, or redistributing any part of the content for commercial gain, are also prohibited. Access may be restricted or terminated for any user who breaches these rules or applicable law, without prior notice and without liability.

All coverage descriptions on this website are provided for general guidance and education only. Nothing published here is a binding offer of insurance, a guarantee of coverage, or financial, legal, or tax advice, and any quote or estimate presented is preliminary and subject to underwriting review by the relevant insurer. Final policy terms, pricing, eligibility, exclusions, and conditions are determined solely by the insurance carriers that issue the policies. Official policy documents issued by a carrier should be read carefully before relying on any coverage, and questions about a bound policy should be directed to the issuing insurer.

Some features, such as saving quote requests, require creating an account. Registration details should be accurate, current, and complete, and each account is personal to the individual who created it and may not be shared or transferred. Login credentials must be kept confidential, the account holder is responsible for all activity under the account, and any suspected unauthorized use should be reported promptly using the contact details below. An account that appears inaccurate, fraudulent, inactive, or used in violation of these terms may be suspended or closed.

During signup, users may consent to receive text messages and phone calls from FlankCover relating to their insurance inquiries. These may include activity updates, saved coverage details, request confirmations, reminders, and, where separately agreed, marketing about coverage options. Message frequency may vary, and standard message and data rates may apply depending on the mobile plan. Consent to receive marketing messages is not a condition of purchase or of using this website. Consent can be withdrawn at any time by replying STOP to any message, and replying HELP returns assistance. Details on how contact information is collected and protected are set out in the Privacy Policy.

All content on this website belongs to FlankCover or its licensors. Text, layouts, graphics, logos, images, and underlying code are protected by copyright, trademark, and other intellectual property laws, and the FlankCover name and logo may not be used without prior written permission. Visitors receive a limited, revocable, non-exclusive license to view and use the website for personal purposes, which does not permit reproducing, modifying, publishing, or distributing any content for commercial gain.

This website may contain links to sites operated by insurance carriers or other third parties. Such links are provided for convenience only and do not signify endorsement of the linked site or its content. FlankCover has no control over third party websites and accepts no responsibility for their content, policies, or practices, so following a link is done at the user's own risk. The terms and privacy statements on a linked site will differ from the ones that govern this website and should be reviewed separately.

This website and its content are provided on an as is and as available basis, without warranties of any kind, whether express or implied, including accuracy, completeness, merchantability, or fitness for a particular purpose. No promise is made that the website will be free of errors, interruptions, or security incidents. To the fullest extent permitted by law, FlankCover is not liable for any indirect, incidental, special, consequential, or punitive damages arising from use of the website, including losses connected to coverage decisions made in reliance on general guidance published here. Nothing in this section limits liability that cannot be excluded under applicable law.

These terms may be revised from time to time to reflect changes in the website, applicable law, or business practice. When a revision is made, the updated version is published on this page and the date shown at the top changes accordingly, and continued use after a revision constitutes acceptance of the updated terms. These terms are governed by the laws of the State of Louisiana and the applicable federal laws of the United States, without regard to conflict of law principles. Any legal proceeding relating to this website shall be brought exclusively in the state or federal courts located in Louisiana, and if any provision is found to be invalid or unenforceable, the remaining provisions continue in full force and effect.

Questions about these Terms and Conditions, account access, or communications preferences can be directed to FlankCover using the details below. The Privacy Policy covers how personal information is handled.