Terms & Conditions

Last Updated: October 2025

Welcome to CarWise.io. By accessing or using our website and services, you agree to be bound by these Terms and Conditions. Please read them carefully.

1. Acceptance of Terms

By using CarWise.io, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions and our Privacy Policy. If you do not agree to these terms, please do not use our services.

2. Description of Services

CarWise.io is an insurance comparison platform that:

  • Collects information from users about their insurance needs
  • Matches users with insurance providers and agents
  • Facilitates communication between users and insurance companies
  • Does not directly sell insurance policies

3. User Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts to use our services. By using CarWise.io, you represent and warrant that you meet these eligibility requirements.

4. User Information and Accuracy

When using our services, you agree to:

  • Provide accurate, current, and complete information
  • Maintain and update your information to keep it accurate
  • Accept responsibility for all activities under your account
  • Not impersonate any person or entity

5. Consent to Contact

By providing your telephone number and email address, you consent to receive text message notifications and emails from CarWise.io regarding your insurance quote requests. You may opt out at any time by replying "STOP" to text messages or following unsubscribe instructions in emails.

6. Message and Data Rates

Standard message and data rates may apply to text messages sent to your mobile phone. Message frequency varies based on your quote requests. For help, reply "HELP" to any text message or contact us directly.

7. No Insurance Advice

CarWise.io is a lead generation and comparison service. We do not provide insurance advice, recommendations, or counseling. Any insurance quotes or information provided through our platform come from third-party insurance providers. You should consult with licensed insurance professionals before making any insurance decisions.

8. Third-Party Relationships

We partner with insurance companies, agents, and other service providers to offer you insurance quotes. We are not responsible for the actions, products, or services of these third parties. Your relationship with any insurance provider is directly between you and that provider.

9. No Guarantee of Coverage or Rates

We do not guarantee that you will receive insurance quotes, qualify for coverage, or obtain any specific rates. Insurance providers make independent decisions about coverage and pricing based on their own underwriting criteria.

10. Intellectual Property

All content on CarWise.io, including text, graphics, logos, images, and software, is the property of CarWise.io or its licensors and is protected by copyright and other intellectual property laws. You may not copy, modify, distribute, or reproduce any content without our express written permission.

11. Prohibited Activities

You agree not to:

  • Use our services for any unlawful purpose
  • Submit false or misleading information
  • Interfere with or disrupt our services
  • Attempt to gain unauthorized access to our systems
  • Use automated systems to access our services without permission
  • Harass, abuse, or harm other users or third parties

12. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT OUR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. WE MAKE NO WARRANTIES ABOUT THE ACCURACY OR COMPLETENESS OF INFORMATION PROVIDED THROUGH OUR SERVICES.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CARWISE.IO SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

14. Indemnification

You agree to indemnify, defend, and hold harmless CarWise.io and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising out of your use of our services, violation of these terms, or violation of any rights of another party.

15. Modifications to Terms

We reserve the right to modify these Terms & Conditions at any time. We will notify users of material changes by posting the updated terms on our website. Your continued use of our services after such changes constitutes acceptance of the modified terms.

16. Termination

We reserve the right to suspend or terminate your access to our services at any time, with or without notice, for any reason, including violation of these terms.

17. Governing Law

These Terms & Conditions shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law principles.

18. Dispute Resolution

Any disputes arising from these terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, rather than in court, except that you may assert claims in small claims court if your claims qualify.

19. Severability

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

20. Contact Information

If you have questions about these Terms & Conditions, please contact us:

Phone: 1-877-7491-828

Email: info@carwise.io

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