Effective date: November 5, 2026
These Terms and Services ("Terms") govern your access to and use of the website quwaimao.com (the "Site") operated by Quwaimao Insurance ("Quwaimao," "we," "us," or "our"). By accessing the Site, submitting forms, or requesting information, you agree to these Terms. If you do not agree, do not use the Site.
You must be at least eighteen (18) years old and capable of entering a binding contract to use quote tools or request coverage information through the Site. If you interact with the Site on behalf of an organization, you represent that you have authority to bind that organization. We may refuse service, terminate access, or remove content at our discretion where permitted by law.
Certain features may require registration with accurate credentials. You are responsible for safeguarding login information and for all activity under your account. Notify us promptly through the contact form if you suspect unauthorized access.
Information on the Site—including coverage descriptions, pricing examples, blog articles, and calculators—is provided for general educational purposes. It is not a binder of insurance, an offer to insure, or a guarantee that coverage will be issued. Only a licensed advisor, accompanied by a formal application, underwriting review, and issued policy documents, creates contractual insurance obligations.
Policy terms, exclusions, limits, and premiums vary by product, jurisdiction, and individual risk factors. In the event of any conflict between Site content and your policy jacket, endorsements, or declarations, the issued policy controls.
When you submit a quote or contact form, you authorize Quwaimao to use the information provided to respond to your inquiry, recommend products, and contact you through email or other channels you supply. You represent that all information submitted is accurate and complete to the best of your knowledge. Material misrepresentation may void coverage or affect claim payments under applicable law and policy provisions.
Quotes displayed on the Site or sent electronically may expire. Premiums can change based on updated underwriting criteria, inspection results, claims history, or regulatory filings. We are not obligated to honor expired quotes or illustrative pricing shown on marketing pages.
Insurance products described on the Site may be offered by Quwaimao and/or affiliated or third-party insurers and producers licensed in applicable jurisdictions. Product availability may change. We may receive compensation from insurers in accordance with applicable disclosure laws. Where required, we will provide compensation disclosures during the sales process.
You agree not to misuse the Site. Prohibited conduct includes, without limitation:
We may investigate violations and cooperate with law enforcement where appropriate.
The Site, including text, graphics, logos, icons, images, audio clips, software, and compilation thereof, is owned by Quwaimao or its licensors and protected by copyright, trademark, and other intellectual property laws. You may view and print pages for personal, non-commercial use provided you retain proprietary notices. You may not reproduce, distribute, modify, create derivative works, publicly display, or exploit Site content without prior written consent.
"Quwaimao" and associated logos are trademarks of Quwaimao Insurance. Unauthorized use is prohibited.
The Site may contain links to third-party websites or embed third-party tools for analytics, maps, or social sharing. We do not control and are not responsible for third-party content, privacy practices, or availability. Access linked sites at your own risk and review their terms and policies.
By providing your email address or using online forms, you consent to receive electronic communications related to your inquiries, policy servicing, and—if you opt in—marketing messages. You may opt out of marketing emails via the unsubscribe link or our Unsubscribe page. Servicing communications may continue while policies remain active as allowed by law.
THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF HARMFUL COMPONENTS.
Some jurisdictions do not allow limitations on implied warranties; in those jurisdictions, the above limitations apply to the fullest extent permitted.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, QUWAIMAO AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, INSURERS, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING FROM OR RELATED TO YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY FOR CLAIMS ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS SHALL NOT EXCEED ONE HUNDRED DOLLARS (USD $100) OR THE AMOUNT YOU PAID US FOR THE SPECIFIC SERVICE GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS PRECEDING THE EVENT, WHICHEVER IS GREATER. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN THOSE CASES, LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED.
You agree to defend, indemnify, and hold harmless Quwaimao and its affiliates from claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your misuse of the Site, violation of these Terms, infringement of third-party rights, or inaccurate information you provide.
Our collection and use of personal information is described in the Privacy Policy, incorporated into these Terms by reference. By using the Site, you acknowledge that you have read the Privacy Policy.
We may modify these Terms or Site content at any time by posting updated Terms with a revised effective date. Material changes may also be communicated through the Site or email where appropriate. Continued use after changes constitutes acceptance. If you do not agree to updated Terms, discontinue use of the Site.
These Terms are governed by applicable laws without regard to conflict-of-law principles, except where consumer protection rules require otherwise. Before filing a formal claim, you agree to contact us through the Site to attempt informal resolution. If a dispute proceeds to arbitration or court as permitted by law, venue shall be in a competent forum designated by applicable rules, unless mandatory consumer protections specify a different forum.
If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in effect. Failure to enforce a provision is not a waiver of our right to enforce it later.
These Terms, together with the Privacy Policy and any supplemental notices on the Site, constitute the entire agreement between you and Quwaimao regarding Site use and supersede prior understandings on that subject. Insurance policies are governed by separate contractual documents.
Questions about these Terms may be submitted through the Contact Us form on the Site. We will respond using the communication method you provide where appropriate.
