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Terms of Service

Updated: Feb 12, 2018

The use of the Swirl Insurance Services and LLC(and any subsidiaries or affiliates, which are referred to collectively as “Swirl”, “we”, “us”, or “our”) application or website, are governed by these Terms of Service (“ToS”). Please review and understand the ToS before using the Swirl application or website. Any reference to “you” or “your” within the ToS means you and any authorized representative of you, including as an authorized representative of a corporation or other organization.

By accessing the application or website you agree to be bound by the ToS and by our Privacy Policy and if you do not agree with the ToS or Privacy Policy do not use the Swirl application or website. We reserve the right to modify the ToS or Privacy Policy from time to time at our discretion and will publish such change to our website at the time in which such change is binding. Your use of the application or website following posting of a change means you accept that change.

Your use of the application or website confirms that you can form a binding contract with Swirl and/or its insurance underwriter. Further, your usage confirms you are over the age of 18 years old. If Swirl discovers you are under the age of 18 years, we will cancel your usage and/or any binding contract you formed with Swirl.

Swirl’s application or website is only accessible via an internet connection. Access and costs to access the application or website is your responsibility. In order to use the Swirl website and/or application you may be required to create an account. You represent that any information provided to Swirl is accurate, complete, and current. Unauthorized access to any portion of the website that requires your account information is prohibited and you will notify Swirl immediately if you believe an unauthorized party has accessed your information. If Swirl believes unauthorized access has occurred, it may prohibit all access without notice to you.

The acceptance and purchase of any insurance policy, including coverages, deductibles, or limits is solely your decision.Swirl’s services are not available in all areas of the United Sates and, even where the services are provided, you may not be eligible for them.

All intellectual property rights of the Swirl services and/or website and application shall remain the exclusive property of Swirl. The Swirl logo and name Swirl name and brand are trademarks of Swirl. All other trademarks represented are the property of their respective owners.

In connection with any insurance product, your credit report and credit-worthiness may be reviewed. Further, your credit worthiness may influence your insurance score, which used by insurance underwriters to assess your likelihood to file an insurance claim and the scope of that claim. Credit worthiness may be measured by past payment timeliness, the number and frequency of accounts accessing your credit, and any prior unpaid or late payments. Renewals of insurance policies may also use a refreshed review of your credit worthiness.Any quote issued by Swirl is not a commitment to extend insurance. Issuance of an insurance policy is subject to underwriting approval by Swirl’s insurance underwriters.

By use of the Swirl application or website, you agree to have all records on all current and future transactions with Swirl, including any insurance policy, provided to you in electronic form. You may opt out of electronic notices provided to you by Swirl by sending an email to Optout@swirlinsurance.com, in which case all communication shall be in written, paper form.

YOUR USAGE OF THE SWIRL SERVICES, APPLICATION OR WEBSITE AND/OR THE PURCHASE OF ANY INSURANCE PRODUCT ARE AT YOUR SOLE RISK.THE SERVICES PROVIDED AND THE PRODUCTS SOLD ARE ON AN “AS IS” AND “AS AVAILABLE” BASIS.

You agree to hold Swirl harmless and defend and indemnify us from and against all claims, damages, losses, liabilities, or costs (including but not limited to attorney’s fees) rising from the use of the Swirl Services, application or website or violation of the ToS.

This ToS is governed by the laws of State of Wisconsin.