1. General Disclaimer

QuoteHiva does not:

• Provide any services directly (insurance, loans, warranties, contracting, etc.)
• Make recommendations about which provider you should choose
• Guarantee any specific rates, terms, coverage, or approvals
• Endorse or vouch for any third-party provider in our network
• Control the quality, reliability, or accuracy of quotes provided by third parties
• Control every aspect of a third-party provider’s conduct or service delivery; nothing in this disclaimer excludes responsibility that cannot legally be excluded

Before submitting a request, review the disclosures presented with that form, including how your information may be shared and how a provider may contact you. You should independently compare offers, review provider terms, and make your own decision. This disclaimer does not limit any rights you may have under applicable law.

2. No Professional Advice

QuoteHiva provides a quote matching service only. We do not provide professional advice of any kind, including:

2.1 Insurance Advice

QuoteHiva is not presenting itself as your insurance agent, broker, or advisor. Website information is general and is not a substitute for advice from a suitably qualified and, where required, licensed insurance professional. We do not:

• Advise on appropriate coverage levels or types
• Recommend specific insurance policies or companies
• Explain insurance terms, conditions, or exclusions
• Assess your insurance needs

You should review insurance quotes with a qualified insurance professional or agent to ensure the coverage meets your needs.

2.2 Financial & Loan Advice

QuoteHiva is not a lender or your financial or investment advisor. Information on the website is general and does not take your full financial circumstances into account. We do not provide:

• Financial planning or investment advice
• Loan recommendations or explanations
• Credit or debt counseling
• Personalized financial advice or a guarantee about rates, terms, eligibility, or approval

Before accepting a loan or other financial product, review the lender’s disclosures and contract carefully. Consider obtaining independent advice if you need help understanding the terms, fees, repayment obligations, or risks.

2.3 Home Improvement & Contractor Advice

QuoteHiva is NOT a contractor, construction advisor, or home improvement specialist. We do not:

• Recommend specific contractors or construction methods
• Assess quality, safety, or code compliance of proposed work
• Provide construction or home improvement advice
• Guarantee contractor licensing, insurance, qualifications, or work quality

Always verify contractor licensing, insurance, and references independently before hiring.

2.4 Warranty & Service Advice

QuoteHiva does not provide advice about home warranty plans or service contracts. We do not assess whether coverage is appropriate for your home or situation.

3. Quote Accuracy Disclaimer

Quotes provided by third-party service providers through QuoteHiva are estimates and may not be accurate or binding. You should understand that:

• Preliminary Estimates: Initial quotes are typically preliminary estimates based on limited information and may not reflect actual pricing
• Full Underwriting: Actual prices, rates, and terms are subject to full underwriting, property inspection, credit review, or other factors
• Information Accuracy: Quotes depend on the accuracy of information you provide. Inaccurate information will result in inaccurate quotes
• Not Binding: Quotes are not binding and may not be honored by providers if information changes
• Rate Changes: Insurance rates, loan terms, and service pricing change frequently and may differ from quoted prices
• No Guarantee: There is no guarantee you will receive quotes, or that quotes will be competitive or favorable

Always request a detailed explanation from providers before committing to any service or signing documents.

4. Provider Disclaimer

Provider participation on QuoteHiva should not be treated as a guarantee of licensing, credentials, quality, or suitability. Unless a specific verification is clearly described on the relevant page, independently check the provider’s identity, licensing, insurance, qualifications, and reputation before engaging them. Providers remain responsible for their own offers and services.

Provider-related issues may include:

• The accuracy of information provided by providers
• Provider licensing, credentials, insurance, or qualifications
• Quality, reliability, or safety of provider services
• Timeliness of quote delivery or provider response
• Compliance with laws or regulations by providers
• Disputes between you and any provider
• Provider failure to honor quoted terms or conditions
• Claims of fraud, misrepresentation, or unlawful conduct, which should be reported to the appropriate provider or regulator

Take reasonable steps to independently verify provider information and contact the relevant regulator or licensing authority where appropriate. Nothing here waives rights or remedies that apply under law.

5. Investment & Financial Disclaimer

QuoteHiva does not provide investment advice, financial planning, or securities advice. Nothing on the site should be interpreted as:

• An offer or recommendation to buy or sell any investment or security
• Financial or investment advice
• A promise of any investment return
• A personalized assessment of whether a financial product is suitable for you

Any information about loans, refinancing, or other financial products is for informational purposes only and is not a recommendation. Consult a qualified financial advisor or attorney before making any financial decisions.

6. Earnings & Savings Disclaimer

QuoteHiva may provide general information about potential savings or cost comparisons. You should understand that:

• Not Guarantees: Any references to average savings, potential savings, or estimated costs are not guarantees of what you will save
• Individual Results Vary: Actual savings depend on many factors, including your current situation, the provider you select, and the specific terms of any agreement
• No Warranty: We make no warranty that you will receive quotes, that quotes will be competitive, or that you will save money
• Estimates Only: All savings figures, cost estimates, or projections are estimates and may not be accurate

Individual results vary significantly. Some users may not receive quotes or may not save money compared to their current situation.

7. Affiliate & Advertising Disclosure

QuoteHiva may receive referral fees, affiliate commissions, advertising revenue, or other compensation from participating providers or marketing partners. The exact arrangements may vary by product, campaign, and provider. Where applicable, relevant disclosures should also appear near the related offer or form.

7.1 How We Make Money

Compensation and commercial relationships may affect which providers, offers, or advertisements appear on the site or the order in which they are displayed. This means:

• The providers or offers displayed may not include every option available in the market
• Placement may reflect commercial arrangements, campaign criteria, availability, or other factors
• A listing or advertisement is not, by itself, a recommendation or guarantee of quality
• You should compare terms and prices independently before making a decision

7.2 No Endorsement

A provider’s appearance on QuoteHiva is not an endorsement or assurance that its product is best for you. Any material connection or sponsored placement should be identified where required by applicable law.

7.3 Sponsored Content & Advertising

QuoteHiva may display sponsored links, advertisements, and promotional content from service providers. These are paid placements and should not be interpreted as independent recommendations.

7.4 Comparison Limitations

QuoteHiva may not display all providers or products available in the market. Consequently:

• Some providers may not be available through our service
• Available quotes may not represent the full market
• You should shop around independently to compare all available options

8. State Availability

Service availability can vary by product, state, provider, and applicable legal requirements. Availability may vary based on:

• The type of quote you request (insurance, loans, home improvement, etc.)
• Your geographic location and state of residence
• Provider availability in your area
• State regulations and licensing requirements

We cannot guarantee that you will receive any quotes, even if you complete a quote request. Some areas may have limited provider availability.

9. External Links Disclaimer

The QuoteHiva website may contain links to third-party websites and services. Third-party content or services may differ from information shown on QuoteHiva. We do not control those third-party sites or services, and you should review their terms and privacy practices. Issues may include:

• The accuracy, completeness, or reliability of third-party content
• Any damages or injuries resulting from third-party websites or services
• Privacy practices of third-party sites
• Third-party policies, terms, or conditions

When you visit a third-party website or enter into an agreement with a provider, review that party’s applicable terms and privacy policy. This disclaimer does not remove any responsibility QuoteHiva may have under applicable law.

10. Contact

If you have questions about this disclaimer or concerns about any aspect of our service, please contact us:

• Email: compliance@quotehiva.com