Terms & Conditions

Acceptance of These Terms

Using the PrimeMike site means agreeing to the terms set out on this page. They apply to every visitor, whether an account has been created or the site is simply being read.

Anyone who does not accept these terms should stop using the site. Continued use after a revision is published counts as acceptance of the version shown here.

What This Site Provides

This site publishes explanatory material about auto, home, health, Medicare and life insurance. It describes what each type of cover is generally built to do and where its limits usually sit.

The material is educational. It is not a policy, not a binding quote, and not a promise that any particular cover will be issued or that any particular claim will be paid.

No Coverage Is Created Here

Nothing submitted through this site starts, changes, renews or cancels an insurance policy. Cover only exists once a carrier has issued it and confirmed that in writing.

• Signing up creates an account, not a policy
• Sending a message opens a conversation, not an application
• Reading a description of a cover does not reserve or bind that cover
• Any figure discussed remains an estimate until a carrier issues terms

Eligibility to Use the Site

Accounts are intended for adults who are at least eighteen years old and resident in the United States. Creating one confirms that both of those statements are true.

Access may be declined or withdrawn where the eligibility requirements are not met or where the details supplied turn out to be inaccurate.

Accounts and Passwords

An account holder is responsible for keeping login details private and for everything that happens under that account. A password should not be shared or reused across other services.

If an account looks to have been accessed by someone else, it should be reported through the contact details at the end of this page so the situation can be dealt with.

Accuracy of Information Submitted

Answers given through this site are built on the details supplied with the question. Incomplete or inaccurate details produce guidance that does not fit the real situation.

Details should be kept current, particularly after a move, a change of household or a change in what is being insured, since those events reshape what a suitable cover looks like.

Acceptable Use

The site is provided for personal, lawful use. Certain activities are not permitted and may lead to access being withdrawn without notice.

• Submitting false, misleading or impersonating details
• Attempting to access an account or area without authorisation
• Interfering with the operation, security or availability of the site
• Copying, scraping or republishing the material for commercial use
• Using the contact forms to send unsolicited or automated messages

Messaging and Consent

The consent options presented at signup are separate and each is optional. Account and inquiry messages are governed by one selection and marketing messages by another, and consent is never a condition of exploring coverage options.

Replying STOP to any message ends the messages covered by that consent, and replying HELP returns support information. Standard message and data rates may apply and message frequency may vary.

Ownership of the Material

The text, layout, imagery and structure of this site belong to PrimeMike and are protected by applicable intellectual property law. The name and logo may not be used without written permission.

Pages may be read, printed and saved for personal reference. Republishing, redistributing or adapting the material for another site or service is not permitted.

Third Party Sites and Carriers

Links may point to carrier sites or public resources operated by other parties. Those destinations run under their own terms and privacy practices, which are not controlled here.

Any policy issued by a carrier is governed by that carrier document. Where the wording of a carrier policy differs from anything described on this site, the carrier document decides the outcome.

Availability of the Site

The site is offered as it stands and as it is available. Maintenance, technical faults or events outside reasonable control may interrupt access without advance notice.

Pages may be added, revised or withdrawn at any point as the material is kept current, and no undertaking is given that any particular page will remain permanently available.

Limitation of Liability

To the fullest extent permitted by law, liability is excluded for indirect or consequential loss arising from use of this site or from reliance on the general material published on it.

Nothing in these terms limits any liability that cannot lawfully be limited. Decisions about actual cover should always be confirmed against the issued policy documents.

Ending Access

An account can be closed at any time by asking through the contact details below. Access may also be suspended or ended where these terms have been broken.

Sections covering ownership, limitation of liability and dispute resolution continue to apply after an account has been closed.

Dispute Resolution

Any dispute connected with this site or these terms is to be raised first through the contact details below, so it can be looked at and resolved directly wherever that is possible.

Where a dispute cannot be settled that way, it is to be resolved through binding individual arbitration rather than in court, and not on a class or representative basis, except where applicable law provides otherwise.

Changes to These Terms

These terms may be revised as the site or its legal obligations change. The revised version replaces this one on this page and the date shown at the top is updated to match.

Checking this page occasionally is worthwhile, since continued use of the site after a revision is published counts as acceptance of the updated terms.

Contact About These Terms

Questions about these terms, or a request to close an account, can be raised through the details below.

+1 (405) 507-6810