Disclaimer

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
• Have any liability for the actions, inactions, or quality of services from providers

Your submission of a quote request through QuoteHiva indicates that you understand and accept these limitations. You are solely responsible for evaluating quotes, researching providers, and making informed decisions about which services to obtain.

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 an insurance agent, broker, or advisor. We do not provide insurance advice, recommendations, or risk assessments. 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, financial advisor, or investment advisor. We do not provide:

• Financial planning or investment advice
• Loan recommendations or explanations
• Credit or debt counseling
• Information about interest rates, terms, or loan conditions

Before accepting any loan offer, consult with a financial advisor or attorney to understand the terms, conditions, and implications.

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
• Verify contractor licensing, insurance, or qualifications

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

QuoteHiva does not verify, vet, or endorse service providers in our network. We are not responsible for:

• 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
• Fraud, misrepresentation, or illegal conduct by providers

You are responsible for independently verifying any provider information, checking licensing with appropriate regulatory bodies, and researching providers before working with them.

5. Investment & Financial Disclaimer

QuoteHiva does not provide investment advice, financial planning, or securities advice of any kind. Nothing on our site should be construed as:

• An offer or recommendation to buy or sell any investment or security
• Financial or investment advice
• A promise of any investment return
• Information about stock market, cryptocurrency, or other investments

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 is a free service to consumers, but we generate revenue through affiliate relationships with service providers. This is important to understand:

7.1 How We Make Money

QuoteHiva is compensated when we refer consumers to service providers. Providers pay us a referral fee when you request a quote through our site. This means:

• Providers who pay higher referral fees may receive more referrals from us
• We may have financial incentives to favor certain providers
• We do not provide unbiased recommendations between providers
• The order in which providers are presented may reflect their commission structure, not their quality or competitiveness

7.2 No Endorsement

Because we receive compensation from providers, any provider featured on our site should not be interpreted as an endorsement or recommendation of that provider. Our financial relationships create potential conflicts of interest.

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 does not include all service providers in the market. We feature providers who participate in our affiliate program. This means:

• 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

QuoteHiva services are not available in all U.S. states or jurisdictions. 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. We are not responsible for:

• 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

Your use of third-party websites is at your own risk and is subject to their terms and privacy policies, not ours. We encourage you to review the privacy policies and terms of service of any third-party website before providing personal information.

10. Contact

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

• Email: compliance@quotehiva.com
• Phone: 1-800-QUOTEHIVA (1-800-786-8342)
• Mailing Address: QuoteHiva Compliance Team
  500 Main Street, Suite 100
  San Francisco, CA 94105
  USA