1. Acceptance of Terms
These Terms of Use (the "Terms") govern your access to and use of Watch Insurance Guide (the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree with any part of these Terms, you must not use the Site.
2. Nature of the Service
The Site provides editorial information and an interactive calculator that produces directional estimates of annual watch insurance premiums in the United States. The Site is not an insurance agency, broker, or carrier. We do not sell, offer, or underwrite insurance.
Estimates produced by the calculator are based on publicly available industry averages and editorial assumptions. They are not quotes, offers, or guarantees of coverage or pricing. Binding quotes can only be obtained from licensed insurers, who will perform their own underwriting.
3. Eligibility
You must be at least 16 years of age, or the age of majority in your jurisdiction (whichever is greater), to use the Site. By using the Site, you represent that you meet this requirement and that you have the legal capacity to enter into these Terms.
4. Permitted Use
You may use the Site for lawful, personal, non-commercial purposes only. You agree not to:
- Use the Site in any way that violates applicable law or regulation
- Attempt to gain unauthorized access to the Site, servers, or related systems
- Interfere with the proper functioning of the Site or its security features
- Scrape, harvest, or extract content using automated tools without prior written permission
- Reproduce, distribute, or republish substantial portions of the Site's content without permission
- Frame, mirror, or embed the calculator in another website without permission
- Misrepresent your identity or affiliation when contacting us
5. Intellectual Property
All content on the Site — including text, calculator logic, design, layout, graphics, and software — is the property of Watch Insurance Guide or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.
You may view, print, and download content for personal, non-commercial reference. Any other use requires our prior written consent.
6. Third-Party Trademarks
Insurer and watch brand names referenced on the Site — including Rolex, Patek Philippe, Audemars Piguet, Omega, Cartier, Jewelers Mutual, Chubb, BriteCo, Lavalier, State Farm, GEICO, and others — are the trademarks of their respective owners. References are made solely for editorial and informational purposes. We are not affiliated with, endorsed by, or sponsored by any brand, manufacturer, or insurer mentioned on the Site.
7. Editorial Independence
The Site's editorial content, including the insurer comparison list, is prepared independently. We do not accept payment for inclusion in the editorial comparison. The Site may, however, display third-party advertising through services such as Google AdSense, and these advertisements are clearly identifiable as such.
8. No Insurance, Legal, or Financial Advice
The Site does not provide insurance advice, legal advice, financial advice, or any other professional advice. The information and estimates provided are educational only. Always consult a licensed insurance agent, attorney, or qualified financial professional before making decisions about insurance coverage, claims, or related financial matters.
9. Accuracy of Information
We make reasonable efforts to keep information on the Site accurate and current. However, we make no warranty or representation regarding the accuracy, completeness, or timeliness of any content, including calculator estimates, insurer information, or external links. Insurance rates, products, and availability change frequently and vary by individual circumstances.
10. External Links
The Site contains links to third-party websites, including those of insurance providers. These links are provided for convenience and informational purposes. We do not control, endorse, or assume responsibility for the content, privacy practices, or terms of any third-party site. Accessing third-party websites is at your own risk.
11. Disclaimer of Warranties
THE SITE AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
12. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WATCH INSURANCE GUIDE AND ITS OPERATORS, CONTRIBUTORS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SITE, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY.
13. Indemnification
You agree to defend, indemnify, and hold harmless Watch Insurance Guide and its operators from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your access to or use of the Site, your violation of these Terms, or your violation of any rights of another party.
14. Privacy
Your use of the Site is also governed by our Privacy Policy and Cookie Policy, which describe how we collect, use, and protect information.
15. Modifications to the Terms
We may revise these Terms at any time. Revised Terms become effective immediately upon posting on the Site. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.
16. Termination
We reserve the right to suspend or terminate access to the Site, in whole or in part, at any time and without notice, for any reason, including violation of these Terms.
17. Governing Law
These Terms are governed by the laws of the United States and the state in which the Site's operators are domiciled, without regard to conflict-of-law principles. Any disputes arising out of or related to these Terms or the Site shall be subject to the exclusive jurisdiction of the competent courts of that jurisdiction.
18. Severability
If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect, and the unenforceable provision shall be modified to the minimum extent necessary to make it enforceable.
19. Entire Agreement
These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Watch Insurance Guide regarding your use of the Site, superseding any prior agreements.
20. Contact
If you have questions about these Terms, please reach us through our Contact page.