Terms of Use

1. Acceptance of Terms

Welcome to AIPetInsurance.com (“Site”), operated by AI Avatar LLC (“Company,” “we,” “us,” or “our”). By accessing or using this Site, you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, you may not use the Site. We reserve the right to modify these Terms at any time. Your continued use of the Site following any changes constitutes acceptance of those changes.

2. Informational Purpose Only

The content on this Site is provided for general informational and educational purposes only. Nothing on this Site constitutes, nor is it intended to constitute:

• Insurance advice or solicitation
• Financial, investment, or tax advice
• Veterinary or medical advice
• A recommendation to purchase or not purchase any insurance product
• An endorsement of any specific insurance provider

AI Avatar LLC is not a licensed insurance agent, broker, producer, or adjuster in any jurisdiction. We do not sell, solicit, bind, or negotiate insurance policies. All insurance decisions should be made after consulting with a licensed insurance professional and your veterinarian.

3. No Guarantee of Accuracy

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the information, data, cost estimates, risk scores, or other content on this Site. Health risk scores, cost projections, and provider information are estimates based on publicly available data and may not reflect your pet’s individual circumstances. Insurance provider terms, coverage, pricing, and availability change frequently. Always verify current terms directly with the provider before making any purchasing decisions.

4. AI-Generated Content

Portions of this Site, including the Risk Profile Tool and related analysis tools, use artificial intelligence and algorithmic models to generate estimates and informational outputs. These outputs are approximations based on statistical models and publicly available data. They are not personalized advice and should not be relied upon as the sole basis for any insurance or financial decision.

5. Affiliate Relationships & Third-Party Links

This Site may contain links to third-party websites, including insurance provider websites. Some of these links may be affiliate links, meaning AI Avatar LLC may earn a commission if you click a link and subsequently purchase a product or service. This compensation does not increase the cost to you. The presence of affiliate links does not influence the informational content we present. We are not responsible for the content, accuracy, privacy practices, or policies of any third-party websites. Your use of third-party websites is at your own risk and subject to those sites’ terms and conditions.

6. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, AI AVATAR LLC, ITS MEMBERS, OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SITE, ANY CONTENT ON THE SITE, OR ANY DECISION MADE BASED ON INFORMATION PROVIDED ON THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY. IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED ONE HUNDRED DOLLARS ($100.00).

7. Disclaimer of Warranties

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER 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, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

8. Indemnification

You agree to indemnify, defend, and hold harmless AI Avatar LLC and its members, officers, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising from your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

9. Intellectual Property

All content on this Site, including text, data, graphics, logos, software, and the compilation thereof, is the property of AI Avatar LLC or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any content from this Site without prior written consent from AI Avatar LLC.

10. User Conduct

You agree not to use the Site for any unlawful purpose or in any way that could damage, disable, overburden, or impair the Site. You may not use any automated means (bots, scrapers, spiders) to access the Site or collect content without our prior written consent.

11. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law provisions. Any dispute arising under these Terms shall first be subject to good faith negotiation. If the dispute cannot be resolved through negotiation, it shall be resolved by binding arbitration in accordance with the rules of the American Arbitration Association, conducted in the State of New Jersey. You agree to waive any right to a jury trial and to participate in any class action lawsuit against AI Avatar LLC.

12. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

13. Contact

If you have questions about these Terms, please contact us at legal@aipetinsurance.com.