Effective date: January 1, 2026
These Terms & Services ("Terms") govern your access to and use of the website located at hostwerk24.com (the "Site") and related online services operated by HostWerk24 ("we," "us," or "our"). By accessing the Site, submitting forms, or engaging with our advisory content, you agree to these Terms. If you do not agree, please discontinue use of the Site.
1. Nature of Our Services
HostWerk24 provides insurance information, educational materials, and facilitation of connections with licensed insurance professionals and third-party carriers. Unless explicitly stated in a separate written agreement signed by an authorized representative, we are an independent marketing and advisory platform—not the insurer of record.
Insurance policies are issued by unaffiliated insurance companies subject to their own terms, conditions, exclusions, and underwriting guidelines. Coverage is not bound, altered, or guaranteed through website interactions alone. A policy becomes effective only after the issuing carrier accepts the application, premium is paid as required, and any conditions of issuance are satisfied.
2. Eligibility and Account Responsibility
You represent that you are at least the age of majority in your jurisdiction and have the legal capacity to enter into these Terms. If you submit information on behalf of a business or another person, you represent that you have authority to do so.
You agree to provide accurate, current, and complete information in all forms and communications. Misrepresentation may result in denial of coverage, cancellation of quotes, or termination of access to certain services. You are responsible for maintaining the confidentiality of any credentials issued to you and for all activities under your account.
3. No Professional Advice Disclaimer
Content on the Site—including articles, calculators, pricing illustrations, and FAQs—is for general informational purposes only and does not constitute legal, tax, investment, or insurance advice tailored to your circumstances. You should consult licensed professionals before making financial or coverage decisions.
Premium ranges, coverage examples, and claim scenarios displayed on the Site are illustrative. Actual premiums depend on numerous factors including risk classification, location, limits, deductibles, endorsements, and carrier filings.
4. Quotes, Applications, and Electronic Communications
When you request a quote or complete a form, you authorize HostWerk24 and its partners to contact you by email or other channels you provide regarding insurance products and services. Consent to electronic communications may be required to process certain requests.
Quotes generated through the Site are non-binding estimates unless confirmed in writing by the issuing carrier. We may modify or withdraw Site features, carrier partnerships, or product offerings at any time without prior notice.
5. Intellectual Property
The Site, including its design, logos, text, graphics, layouts, and software, is owned by HostWerk24 or its licensors and protected by intellectual property laws. You may view and print reasonable portions of the Site for personal, non-commercial use. You may not copy, reproduce, distribute, modify, create derivative works, publicly display, or exploit Site content without our prior written consent.
The HostWerk24 name, logo, and associated marks are trademarks of HostWerk24. Unauthorized use is prohibited.
6. User Conduct
You agree not to:
- Use the Site for unlawful purposes or in violation of applicable regulations governing insurance solicitation;
- Submit false, misleading, or fraudulent information in applications or testimonials;
- Attempt to gain unauthorized access to systems, accounts, or data;
- Introduce malware, scraping bots, or automated tools that impose unreasonable load on the Site;
- Harass, threaten, or impersonate HostWerk24 personnel or other users;
- Reverse engineer or circumvent security measures except where permitted by law.
We may investigate violations and cooperate with law enforcement or regulatory authorities as required.
7. Third-Party Links and Services
The Site may contain links to carrier portals, payment processors, or social platforms operated by third parties. We do not control and are not responsible for third-party content, privacy practices, or availability. Your use of third-party services is subject to their terms and policies.
8. Compensation Disclosure
HostWerk24 may receive commissions, bonuses, or other compensation from insurance carriers when policies are placed through our platform. Compensation arrangements do not obligate you to purchase any product and do not change your premium payable to the carrier except as permitted by applicable law and carrier rules.
9. Claims and Policy Servicing
Claims must be reported according to the procedures specified in your policy documents and by the issuing carrier. While HostWerk24 may offer guidance and advocacy support, claim decisions—including approval, denial, or payment amounts—are made solely by the insurer in accordance with policy language and applicable law.
10. Privacy
Our collection and use of personal information is described in the Privacy Policy, which is incorporated into these Terms by reference.
11. Disclaimers
THE SITE AND ALL CONTENT ARE 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, OR FREE OF HARMFUL COMPONENTS.
12. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, HOSTWERK24 AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING FROM YOUR USE OF THE SITE OR RELIANCE ON SITE CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO HOSTWERK24 FOR ADVISORY SERVICES IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS (USD), EXCEPT WHERE LIABILITY CANNOT BE LIMITED UNDER APPLICABLE LAW.
13. Indemnification
You agree to defend, indemnify, and hold harmless HostWerk24 and its affiliates 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.
14. Modifications
We may update these Terms periodically. The "Effective date" at the top will reflect the latest revision. Material changes may be highlighted on the Site. Continued use after changes constitutes acceptance of the revised Terms.
15. Governing Law and Dispute Resolution
These Terms are governed by the laws applicable in the jurisdiction designated by HostWerk24 in its corporate registration documents, without regard to conflict-of-law principles. Disputes shall be resolved through binding arbitration or courts of competent jurisdiction as specified in any supplemental dispute resolution policy we publish, except where prohibited by law.
16. Severability and Waiver
If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force. Failure to enforce a provision is not a waiver of future enforcement.
17. Contact
Questions about these Terms may be directed to legal@hostwerk24.com or through the Contact Us form on this Site.