Terms of Service

I. Eligibility

You must be at least 18 years old, or the age of legal majority in your jurisdiction, to use the Services. By using the Services, you represent that you meet this requirement.

II. Nature of Our Services

EV Insurance Guide publishes educational articles, guides, and tools about electric vehicle insurance, coverage, costs, and related topics — see our [EV insurance blog](/blog/) for our full library of guides. We also offer a [free downloadable guide](/free-guide.html) and a paid digital handbook, sold through a third-party checkout provider.

We are not currently an insurance carrier, insurance company, insurance agency, or insurance broker. We do not sell, underwrite, or bind insurance policies, and we do not determine insurance eligibility or pricing for any insurer.

III. Not Insurance, Legal, or Financial Advice

Content on this Site — including blog articles, guides, the [free guide](/free-guide.html), and the paid handbook — is provided for general educational purposes only. It is not individualized insurance, legal, financial, or tax advice, and should not be relied upon as a substitute for consultation with a licensed insurance agent, attorney, financial advisor, or other qualified professional.

Insurance coverage, premiums, exclusions, deductibles, discounts, and eligibility vary by insurer, state, vehicle, and individual circumstances. Always confirm specific coverage details directly with a licensed insurance professional before making a decision.

IV. Interactive Tools

Our Site includes interactive tools, such as a loan-balance-vs-vehicle-value estimator and a quote comparator, available on our [homepage](/). These tools perform simple arithmetic based only on the figures you enter, directly in your browser. They do not connect to any insurer, lender, or market-data source, do not convert currencies, and do not verify the figures you enter. See our [Privacy Policy](/privacy/#calculators) for how these tools handle the information you type into them.

Results from these tools are illustrative only and are not an insurance quote, a financial recommendation, or a guarantee of any outcome. You are solely responsible for decisions made using information from these tools.

V. Free Guide

We offer a [free downloadable guide](/free-guide.html) in exchange for your name and email address. The free guide is provided "as is" for educational purposes. You may unsubscribe from related email communications at any time using the link provided in those emails. See [Section V of our Privacy Policy](/privacy/#downloads) for how this information is used.

VI. Paid Handbook, Payment, and Refunds

Our paid digital handbook, referenced on our [free guide page](/free-guide.html), is sold and processed through a third-party checkout provider, Gumroad. Your purchase is subject to [Gumroad's own Terms of Service](https://gumroad.com/terms) and payment processing practices, in addition to these Terms.

Any refund policy applicable to the paid handbook (such as a money-back guarantee period) will be stated on the applicable sales page at the time of purchase. Refund requests should be directed to the contact method stated on that page, or to us using the [contact details below](#contact). For general background on consumer rights when buying digital goods online, see the [FTC's guidance on online shopping](https://consumer.ftc.gov/articles/shopping-online).

The handbook is a digital product delivered electronically. Once downloaded, digital products are generally not eligible for return in the traditional sense; any applicable refund terms are governed by the specific guarantee stated at the point of sale.

VII. Intellectual Property

Unless otherwise noted, the text, articles, graphics, charts, and original content on this Site — including our [blog](/blog/) — are owned by EV Insurance Guide or used under license. You may view, read, and share links to our content for personal, non-commercial purposes. You may not republish, reproduce, scrape, or redistribute substantial portions of our content without our prior written permission, except as permitted by applicable law (such as fair use).

Images used on this Site are sourced under royalty-free licenses from their respective providers and are not represented as original photography by EV Insurance Guide unless stated otherwise.

VIII. Acceptable Use

When using the Services, you agree not to: violate any applicable law; attempt to gain unauthorized access to the Site or its systems; interfere with or disrupt the Site's operation; scrape or harvest data from the Site using automated means without permission; impersonate any person or entity; or use the Site to transmit malware or harmful code.

IX. Third-Party Links and Services

Our Site may link to third-party websites, including insurer resources, government sites, and our payment processor, Gumroad. We do not control and are not responsible for the content, accuracy, or practices of third-party sites. Links are provided for convenience and do not constitute an endorsement. See [Section XIV of our Privacy Policy](/privacy/#third-party) for more on how third-party links relate to your information.

X. Advertising

This Site may display advertising, including through Google AdSense, once our account is approved. Advertising helps support the free content on our [blog](/blog/). We do not accept payment from insurance carriers in exchange for favorable coverage or editorial placement. See [Section VIII of our Privacy Policy](/privacy/#advertising) for more on how advertising technologies process information.

XI. Disclaimers

THE SERVICES, INCLUDING ALL CONTENT, TOOLS, AND DIGITAL PRODUCTS, ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY INFORMATION ON THE SITE IS CURRENT, COMPLETE, OR ACCURATE FOR YOUR SPECIFIC SITUATION.

Insurance rates, coverage details, and industry figures referenced in our [blog articles](/blog/) are sourced from cited third parties and are illustrative or general in nature. Always verify current, specific terms directly with the relevant insurer or source.

XII. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, EV INSURANCE GUIDE AND ITS OPERATORS WILL 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 SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM THE SERVICES WILL NOT EXCEED THE AMOUNT YOU PAID US, IF ANY, IN THE 12 MONTHS PRECEDING THE CLAIM.

Some jurisdictions do not allow certain limitations of liability, so some of the above limitations may not apply to you.

XIII. Indemnification

You agree to indemnify and hold harmless EV Insurance Guide and its operators from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your violation of these Terms or your misuse of the Services.

XIV. Termination

We may suspend or restrict your access to the Services at any time, for any reason, including violation of these Terms, without prior notice. You may stop using the Services at any time. If you believe access was restricted in error, [contact us](#contact).

XV. Governing Law

These Terms are governed by the laws of the United States and the state in which EV Insurance Guide operates, without regard to conflict-of-law principles, except where applicable consumer-protection law in your jurisdiction provides otherwise.

XVI. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will update the "Last Updated" date above. Continued use of the Services after changes take effect constitutes acceptance of the revised Terms. We encourage you to periodically review this page alongside our [Privacy Policy](/privacy/).

XVII. Contact Us

Questions about these Terms? Visit our [Contact page](/contact/) or reach us directly:

EV Insurance Guide
Email: support@evinsuranceguide.org