Effective Date: October 31, 2026
These Terms and Services ("Terms") govern your access to and use of the website tsayguy.com (the "Site") operated by TsayGuy Insurance and its affiliates ("TsayGuy," "we," "us," or "our"). By accessing the Site, submitting forms, or purchasing insurance products through authorized channels, you agree to these Terms. If you do not agree, do not use the Site.
You must be at least eighteen (18) years of age and capable of forming a binding contract to use quote tools, submit inquiries, or enroll in coverage. When you provide information, you represent that it is accurate, complete, and current. You are responsible for safeguarding login credentials for any online account portal and for all activity under your account. Notify us promptly if you suspect unauthorized access.
Information on the Site—including coverage descriptions, sample premiums, blog articles, and educational materials—is provided for general informational purposes only. It does not constitute legal, tax, or insurance advice tailored to your circumstances. Coverage is governed solely by the policy contract, declarations page, endorsements, and applicable state regulations. In the event of any conflict between Site content and your policy, the policy controls.
Submitting a quote request, contact form, or application does not bind TsayGuy to issue insurance. Underwriting approval, premium determination, and effective dates occur only after we complete review and issue written confirmation.
TsayGuy offers personal and commercial lines of insurance as licensed in each jurisdiction where we operate. Product availability, limits, deductibles, and discounts vary by location and risk characteristics. We may use third-party data vendors, motor vehicle reports, property records, and credit-based insurance scores where permitted by law to evaluate applications and renewals.
All statements made in an application are material to our decision to insure you. Misrepresentation, omission, or fraud may void coverage ab initio or provide grounds for rescission as allowed by law. You must update us regarding material changes—such as additional drivers, business use of vehicles, home renovations, or health status changes for relevant products—during the policy period.
Premiums are due according to the billing schedule on your policy. Failure to pay may result in cancellation, lapse, or non-renewal. Returned payments, late fees, and reinstatement requirements will be disclosed in your billing notices. Installment plans, if offered, may include service charges where permitted.
Claims must be reported promptly with truthful details and supporting documentation. We investigate claims under policy terms, including exclusions, deductibles, coordination of benefits, and subrogation rights. Fraudulent claims are subject to denial and referral to authorities. Our claims decisions are without prejudice to your right to appeal or pursue remedies available under applicable law and your policy.
You agree not to:
We may suspend or terminate access for conduct that threatens security, integrity, or other users' experience.
The Site, including logos, text, graphics, software, and compilation thereof, is owned by TsayGuy or its licensors and protected by copyright, trademark, and other laws. You receive a limited, non-exclusive, non-transferable license to view and print pages for personal use. You may not reproduce, distribute, modify, or create derivative works without prior written consent.
By providing your email address or using online services, you consent to receive electronic communications regarding quotes, policy documents, billing, and service notices where allowed by law. You may manage marketing preferences through subscription links described in our Privacy Policy. Transactional and legally required notices may still be sent regardless of marketing opt-out.
The Site may link to third-party websites, payment processors, or comparison tools. Those resources are not under our control. We are not responsible for their content, privacy practices, or availability. Your use of third-party services is subject to their terms.
THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF 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, TSAYGUY AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR CLAIMS RELATED TO THE SITE (EXCLUDING INSURANCE OBLIGATIONS UNDER ISSUED POLICIES) SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100) OR THE AMOUNT YOU PAID TO ACCESS THE SITE IN THE TWELVE MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.
Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted by law. Nothing in these Terms limits liability for gross negligence, willful misconduct, or obligations that cannot be limited under applicable insurance regulations.
You agree to indemnify and hold harmless TsayGuy 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, except to the extent caused by our negligence or willful misconduct.
These Terms are governed by the laws of the state in which your policy is issued or, for Site-only disputes where no policy exists, the laws of the state where TsayGuy maintains its principal place of business, without regard to conflict-of-law principles. Disputes relating to insurance coverage are subject to policy provisions and regulatory processes. Other disputes may be resolved through binding arbitration or courts as required by applicable consumer protection laws.
We may update these Terms periodically. The "Effective Date" at the top will reflect revisions. Material changes will be posted on the Site. Continued use after changes constitutes acceptance. For active policies, contractual terms in your policy govern insurance-related obligations.
Questions about these Terms may be submitted through our Contact Us form or via email at support@tsayguy.com.
