Terms and Conditions

1. Agreement to Terms

By accessing or using https://veritty.org (the "Website"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree with any part of these Terms, you must immediately discontinue use of the Website.

2. Informational Purpose Only

The content, comparison guides, articles, and figures published on Veritty are provided for general educational and informational purposes only. Veritty is not an insurance company, underwriter, licensed insurance broker, or agent, and does not issue, underwrite, or bind insurance policies. No content on this website constitutes legal, financial, or licensed insurance advice.

3. Insurance Product Availability & Quotes

Insurance products, coverage limits, policy options, rates, and deductibles referenced on this website are subject to individual state regulatory filings and carrier underwriting approval. Reference figures (such as illustrative market references) do not represent guaranteed quotes or offers from Veritty. Actual premiums are determined exclusively by authorized insurance carriers upon completed application and underwriting review.

4. Third-Party Websites and Affiliate Links

The Website contains links to external websites operated by third-party insurance carriers, agencies, or lead generation networks. Veritty does not control, endorse, or assume legal liability for the content, privacy policies, terms, or underwriting decisions of any third party. Interacting with third-party providers is solely at your own risk.

5. Intellectual Property Rights

All text, custom graphics, original illustrations, logos, layout designs, and code comprising Veritty are the proprietary property of Veritty (or used under appropriate license) and are protected by United States and international copyright, trademark, and intellectual property laws. You may not copy, reproduce, scrape, republish, or distribute any part of the Website without express written permission from Bruce Hoeger.

6. Permitted and Prohibited Website Use

You agree to use the Website solely for lawful purposes. You agree not to:

• Submit false, fraudulent, or deceptive inquiries through our contact forms.
• Attempt to probe, scan, or compromise server security or inject malicious scripts.
• Use automated scrapers, bots, or crawlers in a manner that exceeds normal search indexing or causes denial of service.
• Misrepresent your identity or submit inquiries on behalf of others without proper legal authorization.

7. User-Submitted Content & Inquiries

By submitting an inquiry or message through our contact forms, you warrant that all information provided is accurate and truthful. You grant Veritty the right to store and process your submission to respond to your request and, where requested, connect you with authorized insurance partners in accordance with our Privacy Policy.

8. Disclaimer of Warranties

THE WEBSITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, VERITTY DISCLAIMS ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE WEBSITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

9. Limitation of Liability

IN NO EVENT SHALL VERITTY, BRUCE HOEGER, OR ITS AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES ARISING OUT OF YOUR USE OF THE WEBSITE, RELIANCE ON ANY INFORMATIONAL CONTENT, OR INTERACTIONS WITH THIRD-PARTY CARRIERS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10. Governing Law & Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Connecticut, United States, without regard to conflict of law principles. Any legal proceeding arising under these Terms shall be instituted exclusively in the state or federal courts located in Connecticut.

11. Changes to Terms

We reserve the right to modify these Terms at any time. Any changes will be posted on this page with an updated "Last Revised" date. Your continued use of the Website after modifications constitutes acceptance of the revised Terms.

12. Contact Information

Questions regarding these Terms should be directed to: