Snapshot of the source text at fetch time, not a live mirror of the policy page.
Plain-English summary
This service can change its terms without notice, and your continued use implies acceptance. The company is not responsible for losses if your login credentials are used by others, and you may be liable for their losses in such cases. They can also stop or alter your access to the site or services at any time, for any reason, and without notice.
Your credit report and credit-based insurance score may be used for insurance risk assessment, with data sourced from Equifax. Be aware that the company and its vendors are authorized to store a wide range of your personal identifiable information and financial data.
Any ideas or content you submit grant the company broad, royalty-free, and irrevocable rights to use, reproduce, display, and transmit your content for any purpose, including disclosure to satisfy legal requests, without compensation or confidentiality. Insurance quotes are not binding; coverage is subject to underwriting approval.
90% confidence
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Risk Flags
3 findings
Critical terms that can significantly impact users, such as limitations of liability, disclaimers, and dispute resolution clauses.
Not clearly stated: None
high95% confidence
Unilateral modification of terms without explicit consent for future use
The company reserves the right to modify these Terms, and any modifications are effective when posted to the Site. Your continued use of the Site or Services after modifications are posted means you accept those changes.
Why it matters: The company can change the terms of service at any time by posting updates to the site. If you continue to use the site or services after changes are posted, you are considered to have accepted those changes, without needing to provide explicit consent.
We reserve the right to modify these Terms from time to time. Any modifications are effective when posted to the Site and will apply to your subsequent use of the Site. You should continue to check the Site for changes. Your continued use of our Site or Services following the posting of changes to these Terms will mean that you accept those changes.
Company can discontinue or restrict site use without notice
The company may, at any time, for any reason and without notice, discontinue, change or restrict your use of this Site and make changes in the Services made available through this Site.
Why it matters: The company can stop or alter your access to the site and services at any time, for any reason, and without prior notification.
You understand that we may, at any time, for any reason and without notice, discontinue, change or restrict your use of this Site and make changes in the Services made available through this Site.
PERMITTED USE (Stuff you can do here), paragraph 2 · Citation strength: strong
high90% confidence
No liability for losses due to someone else using your login credentials
The company will not be liable for any loss that you may incur as a result of someone else using your Log-in Credentials, with or without your knowledge. However, you could be held liable for losses incurred by the company or another party due to someone else using your Log-in Credentials.
Why it matters: If your login credentials are used by someone else, even without your knowledge, the company is not responsible for any losses you might suffer. Conversely, you could be held responsible for losses incurred by the company or others due to unauthorized use of your credentials.
We will not be liable for any loss that you may incur as a result of someone else using your Log-in Credentials, with or without your knowledge. However, you could be held liable for losses incurred by us or another party due to someone else using your Log-in Credentials.
PRIVACY AND PASSWORDS, paragraph 1 · Citation strength: strong
Data Use
4 findings
Rules about how your data can be collected, processed, and shared.
Not clearly stated: None
medium85% confidence
Use of credit reports and credit-based insurance scores
For first-time users and policy renewals, the company may review your credit report or obtain/use a credit-based insurance score to predict claim frequency and expense. This information comes from Equifax, and you may request a written statement describing the use of credit histories or insurance scores.
Why it matters: Your credit report and credit-based insurance score may be used by the company and Equifax to assess your insurance risk, which could influence your eligibility or rates. You have the right to request information about how your credit history or insurance scores are used.
An insurance score uses information from your credit report to help predict how often you are likely to file claims and how expensive those claims will be. Typical items from a credit report that could affect a score include, but are not limited to, the following: payment history, number of revolving accounts, number of new accounts, the presence of collection accounts, bankruptcies and foreclosures. The information used to develop the insurance score comes from Equifax. You may request a written statement from us describing our use of credit histories or insurance scores.
Disclosure in accordance with Insurance Law, paragraph 1 · Citation strength: strong
medium90% confidence
Use of third-party property information for insurance quotes
The company may receive and use public or proprietary information about your property from third parties, which may be presented to you during the preparation of your insurance quote.
Why it matters: Information about your property from third parties, which could be public or proprietary, may be used by the company and shown to you when generating an insurance quote.
We may also receive information provided by third parties, as a licensee or otherwise, relating to your property that is public and/or proprietary information. That information may be used by us and/or presented to you in preparation of your insurance quote.
Authorization to store various personal and financial details
You authorize the company or its vendors to store information you provide, including names, addresses, birth dates, driver’s license numbers, social security numbers, vehicle identification numbers (VINs), bank account or payment card information, and user content.
Why it matters: You are giving permission for the company and its vendors to hold a broad range of your personal and financial information, such as your social security number, driver's license, and payment details.
You authorize us or one of our vendors to store any information you provide, including, but not limited to, names, addresses, birth dates, driver’s license numbers, social security numbers, vehicle identification numbers (VINs), Bank Account or Payment Card information, and User Content (as defined below).
INFORMATION STORAGE AUTHORIZATION, paragraph 1 · Citation strength: strong
medium90% confidence
Authorization to store and process linked account credentials and data
If you link your Toggle account to third-party services like social networking sites, you are authorizing the company to store and use your login credentials to access your linked account as your agent. This may include importing contacts, preferences, interests, or pushing updates to your linked accounts.
Why it matters: When you link third-party accounts, you grant the company access and processing rights to your credentials and data from those sites, potentially allowing them to import your personal information (contacts, preferences) and post updates on your behalf.
If you choose to add any Linked Accounts, you are authorizing us to store and use your log-in credentials to access your Linked Account on your behalf as your agent for the purpose of integrating your Toggle account with content and features available through your Linked Account. This may include importing the contacts, preferences, interests or “likes” of the Linked Account, and/or pushing updates regarding your use of the Services to your Linked Accounts.
LINKED ACCOUNTS AND SOCIAL NETWORKING SITES, paragraph 1 · Citation strength: strong
Cancellation and Renewal
Not clearly stated
Details on how to cancel services, auto-renewal policies, and related refunds or fees.
?
Not clearly stated
No cited billing terms — wording is unclear
None
"Gotchas"
5 findings
Potentially overlooked clauses that may be to your disadvantage.
Not clearly stated: None
medium95% confidence
Discretionary use of user-submitted content without compensation
If you submit ideas, suggestions, or proposals (Submissions) relating to the Site or Services, you agree that your Submissions do not contain confidential or proprietary information, they can be shared with third parties, the company can use them for any purpose, they become the company's property, and you are not entitled to any compensation.
Why it matters: Any ideas or suggestions you submit to the company become its property, can be used for any purpose, and may be shared with others, without any obligation for them to compensate you or keep the information confidential.
If you submit any ideas, suggestions, or proposals (collectively, “Submissions”) relating to the Site or Services (or other products or services) to us through any means, you acknowledge and agree that: (a) your Submissions do not contain confidential or proprietary information; (b) we can share your Submissions with third parties; (c) we are entitled to use (or choose not to use) any Submissions for any purpose, in any way; (d) your Submissions automatically become our property; and (e) you are not entitled to any compensation or reimbursement of any kind from us for your Submissions.
By providing User Content (text, photos, audiovisual content, and other media content), you grant the company an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, and transmit such content for any purpose, including disclosing it as necessary to satisfy legal requests.
Why it matters: The company receives broad rights to use and display your submitted content globally and perpetually for any purpose, including sharing it to meet legal requirements, without owing you any royalties.
By providing User Content in this manner (other than personal information subject to our Privacy Policy), you grant to us an unrestricted, irrevocable, worldwide, royalty-free license to use, reproduce, display, publicly perform, and transmit such User Content for any purpose, including without limitation, disclosing your User Content as necessary to satisfy any law, regulation, or governmental request.
USER CONTENT, paragraph 1 · Citation strength: strong
medium90% confidence
Company not subject to confidentiality for user submissions
The company is not obligated to maintain confidentiality for information or materials you submit, except as specified in the Privacy Policy, additional terms for specific products/services, or as legally required.
Why it matters: Most information or materials you submit to the company are not kept confidential, meaning they can be freely used or disclosed by the company unless specifically protected by the Privacy Policy, other product terms, or law.
We shall not be subject to any obligations of confidentiality regarding any information or materials that you submit except as specified in the Privacy Policy, as set forth in any additional terms and conditions relating to specific products or services, or as otherwise specifically agreed or required by law.
USER CONTENT, paragraph 2 · Citation strength: strong
low90% confidence
Third-party link disclaimer
The Site may contain links to third-party websites not owned or controlled by the company. The company makes no representation regarding the content or accuracy of these sites and assumes no responsibility or liability for their content, privacy policies, or practices.
Why it matters: Clicking links to external websites means you are leaving the company's control. The company is not responsible for the content, accuracy, or privacy practices of those third-party sites.
This Site may contain links to third-party websites that are not owned or controlled by us. We make no representation regarding the content, or accuracy thereof, of any third-party website. Links to third-party websites are offered for convenience and for informational purposes only and are not intended as a referral or endorsement by us of the third-party website. We assume no responsibility and/or liability for the content, privacy policies, or practices of any third-party websites.
THIRD PARTY LINKS AND SERVICES, paragraph 1 · Citation strength: strong
low95% confidence
Quotes do not guarantee coverage
Quotes generated are based on provided information and do not constitute a contract or binding agreement to extend insurance coverage. All applications are subject to underwriting approval.
Why it matters: An insurance quote is not a guarantee of coverage; you must submit an application, which is then subject to the company's approval.
All quotes we generate are based on the information you provided and do not constitute a contract or binding agreement to extend insurance coverage. To obtain coverage you must submit an application to us. All applications are subject to underwriting approval.
Commitments and features that benefit users, enhancing their rights or safeguarding their interests.
Not clearly stated: None
Protection90% confidence
Right to request exceptions for credit impact due to extraordinary circumstances
If you believe an extraordinary life circumstance has negatively impacted your credit information, you may request, in writing, that the company provide reasonable exceptions to its underwriting and/or rating practices.
Why it helps: This allows you to seek reconsideration of your insurance terms if significant life events have affected your credit, potentially preventing unfair premium increases or denial of coverage.
Where applicable, if you believe an extraordinary life circumstance has negatively impacted your credit information, you may request, in writing, that we provide reasonable exceptions to our underwriting and/or rating practices for this quote or any policy issued. Please contact us as [support@gettoggle.com](mailto:support@gettoggle.com) for details on qualifying circumstances and how to request an exception.
Disclosure in accordance with Insurance Law, paragraph 3 · Citation strength: strong
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