Effective date: January 1, 2026
These Terms of Service ("Terms") govern your access to and use of the CrowdLife Insurance website located at crowdgamer.com, including all pages, tools, forms, and content (collectively, the "Site"). By accessing or using the Site, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Site.
CrowdLife Insurance provides information about insurance products, quote requests, educational materials, and access to licensed advisors. We act as an agency or broker in connection with policies issued by third-party carriers unless otherwise stated in your policy documents. Insurance contracts are subject to carrier underwriting guidelines, exclusions, and state or provincial regulations.
You must be at least eighteen years old and capable of entering a binding contract to use quote tools or submit applications through the Site. By using the Site, you represent that you meet these requirements and that information you provide is accurate and complete.
Content on the Site is for general informational purposes and does not constitute legal, tax, or financial advice. Coverage decisions should be made after reviewing official policy documents and consulting with a licensed advisor. Premium illustrations on the Site are estimates only until underwriting is complete.
Submitting a quote request or contact form does not bind coverage. A policy is effective only after carrier approval, payment of required premium, and issuance of declarations. You agree to provide truthful information; misrepresentation may void coverage or result in claim denial.
If the Site offers account features in the future, you are responsible for safeguarding login credentials and for all activity under your account. Notify us immediately of unauthorized access through the contact form.
You agree not to:
The Site, including text, graphics, logos, icons, images, software, and compilation thereof, is owned by CrowdLife or its licensors and protected by copyright and trademark laws. You may view and print pages for personal, non-commercial use. You may not reproduce, distribute, modify, or create derivative works without prior written consent.
Information you submit through forms may be used to respond to inquiries, provide quotes, and improve services as described in the Privacy Policy. You grant CrowdLife a non-exclusive license to use submissions for these purposes. Do not submit confidential claim evidence through general contact forms when secure upload channels are provided in your policy portal.
The Site may link to carrier portals, payment processors, or social platforms. Those services are governed by their own terms. CrowdLife is not responsible for third-party content, availability, or practices.
THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING 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.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CROWDLIFE AND ITS OFFICERS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SITE. OUR TOTAL LIABILITY FOR DIRECT DAMAGES SHALL NOT EXCEED ONE HUNDRED DOLLARS OR THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.
You agree to indemnify and hold harmless CrowdLife from claims, damages, losses, and expenses (including reasonable attorneys' fees) arising from your violation of these Terms, misuse of the Site, or infringement of third-party rights.
By providing your email address, you consent to receive transactional messages related to quotes and policies. Marketing emails require separate opt-in and may be stopped via unsubscribe links or our unsubscribe page.
We may revise these Terms at any time by posting an updated version on the Site. Continued use after changes constitutes acceptance. Material changes may be communicated through the Site or email where appropriate.
We may suspend or terminate access to the Site for conduct that violates these Terms or poses risk to the Site, users, or CrowdLife. Provisions that by nature should survive termination shall survive, including intellectual property, disclaimers, limitation of liability, and indemnification.
These Terms are governed by applicable insurance and consumer protection laws in the jurisdiction where your policy is issued or, for Site use without an active policy, the laws specified in your quote documentation. Disputes shall be resolved through good-faith negotiation before arbitration or litigation where permitted.
If any provision is held invalid, the remaining provisions remain in full force and effect.
Questions about these Terms may be submitted through the Contact Us page on crowdgamer.com.
