Terms of Service

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Last updated: 1/20/2026

By using this website, you agree to the following terms and conditions.

This website is provided for informational and educational purposes only. You agree to use the website lawfully and not for any prohibited or harmful activities.

Information provided on this website, including insurance or mortgage-related content, is for general informational purposes only and does not constitute legal, financial, or professional advice.

Any quotes, estimates, or mortgage optimization examples are illustrative and not guaranteed.

Insurance quotes, coverage availability, rates, and mortgage outcomes vary by carrier, lender, underwriting, and individual circumstances. We do not guarantee specific pricing, coverage, approval, or savings.

Submitting information through this website does not constitute an application, approval, or commitment to provide insurance or credit.

All content on this website, including text and branding, is owned by the website operator and may not be copied or reused without permission.

We are not liable for any damages arising from the use or inability to use this website or reliance on information provided.

This website may contain links to third-party websites. We are not responsible for the content or privacy practices of those sites.

We may update these Terms of Service at any time. Continued use of the website constitutes acceptance of any changes.

If you have questions about these Terms of Service, please contact us through the website.

Insurance Carrier Responsibility Disclaimer

RateGuard Advisors LLC is an independent insurance advisory and brokerage service. We are not an insurance carrier and do not underwrite, issue, or service insurance policies directly. All insurance coverage, policy terms, pricing, claims handling, and underwriting decisions are the sole responsibility of the respective insurance carrier providing the policy.

While we strive to present accurate information and competitive options, we make no guarantees regarding coverage approval, premium rates, claim outcomes, or carrier actions. Clients are encouraged to review all policy documents carefully and consult the issuing carrier directly for specific coverage details or claims inquiries.

Age Requirement

This website and our services are intended for individuals who are at least eighteen (18) years of age. By accessing this site or requesting services, you represent and warrant that you are 18 years of age or older and legally capable of entering into binding agreements.

We do not knowingly collect personal information from individuals under the age of 18. If such information is discovered, it will be promptly removed in accordance with applicable privacy laws.

                                                           SMS Messaging Terms 

 By submitting your information through our website form and checking the SMS consent box, you agree to receive SMS messages from RateGuard Advisors LLC regarding insurance quote follow-ups, policy updates, and customer support. Consent is not a condition of purchase. Message frequency may vary. Message & data rates may apply. Reply STOP to opt out at any time. Reply HELP for help.
For more information, please review our Privacy Policy: https://rateguardadvisors.com/privacy-policy
SMS consent is not shared with third parties for marketing purposes