Terms of Service
Last updated: August 23, 2026
Agreement to Terms
By accessing or using the Perfect Policy Insurance website and services, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our website or services.
About Our Services
Perfect Policy Insurance is an independent insurance agency licensed in Texas. We provide insurance quotes and policy placement services by working with multiple insurance carriers on your behalf.
Important: We are an agency, not a lead generation service. When you request a quote through our website, your information is sent directly to us and is not sold or shared with unrelated third parties.
Quotes and Coverage
Insurance quotes provided through our website are estimates based on the information you provide. Quotes are not:
- A guarantee of coverage or final premium
- A binding contract or offer to insure
- Confirmation that you are covered
Final coverage and premiums are subject to underwriting approval by the insurance carrier. Your actual policy documents govern your coverage — if you have questions about whether you are covered for a specific situation, please refer to your policy documents and contact your Perfect Policy agent.
Accuracy of Information
You agree to provide accurate and complete information when requesting quotes or services. Providing false or misleading information may result in denial of coverage, policy cancellation, or claim denial by the insurance carrier.
Website Use
You may use our website for lawful purposes only. You agree not to:
- Use our website in any way that violates applicable laws or regulations
- Submit false, fraudulent, or misleading information
- Attempt to interfere with or disrupt the website's functionality
- Use automated tools to access or scrape content without permission
No Legal or Financial Advice
Content on our website is for informational purposes only and does not constitute legal or financial advice. Insurance needs vary by individual circumstances. For specific guidance, please consult with a Perfect Policy agent or appropriate professional advisor.
AI Coverage Advisor
Our website may include an AI-powered coverage advisor tool to help answer general insurance questions. This tool is provided for informational and educational purposes only. By using the AI advisor, you acknowledge and agree that:
- The AI advisor does not provide legal, financial, or professional insurance advice
- AI responses are generated automatically and may contain errors, inaccuracies, or incomplete information
- You should not rely exclusively on AI-generated responses for coverage decisions
- The AI advisor cannot determine your specific coverage needs or whether you are covered for a particular situation
- Perfect Policy Insurance and its agents are not legally responsible or liable for actions taken based on AI advisor responses
- Any coverage questions or decisions should be confirmed with a licensed Perfect Policy agent
- AI responses do not constitute a binding representation, warranty, or guarantee of coverage
Always verify important insurance information with a Perfect Policy agent and refer to your actual policy documents for coverage details.
Intellectual Property
The content, design, and trademarks on this website are owned by or licensed to Perfect Policy Insurance. You may not reproduce, distribute, or create derivative works without our written permission.
Limitation of Liability
To the fullest extent permitted by law, Perfect Policy Insurance and its agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our website or services.
Links to Third-Party Sites
Our website may contain links to third-party websites for your convenience. We do not endorse or control these sites and are not responsible for their content or practices.
Changes to These Terms
We reserve the right to modify these Terms of Service at any time. Changes will be effective when posted on this page with an updated "Last updated" date. Your continued use of our website after changes constitutes acceptance of the revised terms.
Governing Law
These Terms of Service are governed by the laws of the State of Texas, without regard to conflict of law principles.
Contact Us
If you have questions about these Terms of Service, please contact us: