Effective Date:

These Terms & Conditions (“Terms”) govern your use of the Department of Insurance Watchdog website (“the Site”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, you must discontinue use of the Site.

1. Purpose of the Site

• The Site provides investigative reports, compliance resources, and consumer information regarding unlicensed or fraudulent insurance activity.

• Content is published for informational, educational, and public-interest purposes.

2. No Legal or Professional Advice

• The Site does not provide legal, financial, or professional advice.

• You should consult licensed professionals for guidance on your specific situation.

3. User Submissions

• By submitting information (including whistleblower evidence or company documentation), you grant us a non-exclusive, royalty-free license to review, verify, and publish content as part of our investigative mission.

• You are responsible for ensuring that submissions are truthful and do not violate the rights of third parties.

• Anonymous submissions are permitted, but providing contact details allows us to verify evidence.

4. Company Responses

• Companies named in reports may submit supporting documentation.

• We reserve the right to review, redact, and determine whether such submissions meet evidentiary standards.

• Submission of documentation does not guarantee removal or alteration of published reports.

5. Accuracy of Information

• We strive to ensure accuracy, but content may contain errors or require updates as investigations develop.

• We do not guarantee completeness or accuracy of third-party submissions, regulatory data, or external references.

6. Limitation of Liability

• The Site and its operators are not liable for damages resulting from use of the Site, reliance on reports, or third-party actions.

• Content is provided “as is” without warranties of any kind, express or implied.

7. External Links

• The Site may link to external websites (e.g., NAIC, FTC, state DOIs).

• We are not responsible for the content, accuracy, or practices of external sites.

8. Intellectual Property

• All content, including reports, articles, and designs, are owned or licensed by the Department of Insurance Watchdog.

• You may share content for educational or advocacy purposes with attribution but may not reproduce or resell without written consent.

9. Indemnification

• By using the Site, you agree to indemnify and hold harmless the Department of Insurance Watchdog from claims, damages, or expenses arising from your misuse of the Site or your submissions.

10. Changes to Terms

• We may update these Terms at any time.

• The “Effective Date” at the top indicates the latest version. Continued use of the Site constitutes acceptance of changes.

11. Governing Law

• These Terms are governed by the laws of the United States and the state in which the Department of Insurance Watchdog operates.

• Disputes shall be resolved under applicable federal and state law.

12. Contact Us

For questions regarding these Terms, please contact us:

• Email:
  Insurancescam@gmail.com

• Contact Form:
  https://contact-forms.com