Terms of Use

By visiting, browsing, or using any portion of this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy, which is incorporated herein by reference.

These Terms apply to all visitors, users, and others who access or use the Site. If you are using the Site on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

We reserve the right to modify these Terms at any time. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.

You agree to use this Site only for lawful purposes and in a manner that does not infringe the rights of others. You agree not to:

• Use the Site in any way that violates applicable federal, state, or local laws or regulations
• Transmit any unsolicited or unauthorized advertising or promotional material
• Attempt to gain unauthorized access to any part of the Site or its related systems
• Use automated tools, bots, scrapers, or crawlers to extract data from the Site without prior written consent
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Interfere with or disrupt the integrity or performance of the Site
• Engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Site
• Submit false, misleading, or fraudulent information through any form on this Site

We reserve the right to terminate or restrict your access to the Site at any time, without notice, for any reason, including violation of these Terms.

The content on this Site is for general educational and informational purposes only. Nothing on this Site constitutes insurance advice, legal advice, tax advice, financial advice, or a recommendation to purchase any specific insurance product.

Insurance products, coverage terms, premiums, eligibility, and availability vary by carrier, state, and individual circumstances. Information presented on this Site may not reflect the most current product offerings, regulatory requirements, or market conditions.

Before making any insurance purchasing decision, you should consult with a licensed insurance professional who can evaluate your specific needs and circumstances. Submitting a quote request or consultation form on this Site does not create a broker-client relationship or guarantee coverage, enrollment, or eligibility.

Chris Martin is a licensed insurance broker (NPN #7335986) and is available to provide personalized guidance. However, any information provided through this Site should not be relied upon as a substitute for professional advice tailored to your individual situation.

We make reasonable efforts to ensure that the information on this Site is accurate and up to date. However, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of any information, products, services, or related graphics contained on the Site.

Insurance regulations, carrier products, benefit structures, and premium rates change frequently. Information on this Site may not reflect the most current state of any particular product or regulation. Always verify coverage details directly with the insurance carrier or a licensed broker before making any decisions.

Any reliance you place on information from this Site is strictly at your own risk.

All content on this Site — including but not limited to text, graphics, logos, images, icons, and the overall design and layout — is the property of InjuryPlans.com or its content suppliers and is protected by applicable copyright, trademark, and other intellectual property laws.

You may access and use the Site for personal, non-commercial informational purposes only. You may not:

• Reproduce, distribute, modify, or create derivative works of any Site content without prior written permission
• Use any content from this Site for commercial purposes without express written consent
• Remove or alter any copyright, trademark, or other proprietary notices from Site content
• Frame or mirror any portion of this Site on another website without prior written authorization

Requests for permission to use Site content may be directed to [email protected].

This Site may contain links to third-party websites, including insurance carrier websites, government agencies, educational resources, and other external sites. These links are provided for your convenience only.

We have no control over the content, privacy practices, or availability of third-party sites and accept no responsibility for them or for any loss or damage that may arise from your use of them. The inclusion of any link does not imply endorsement of the linked site or its content.

When you leave this Site, we encourage you to read the terms of use and privacy policy of any site you visit.

When you submit information through a quote request form, consultation form, or contact form on this Site, you represent that the information you provide is accurate, complete, and current.

By submitting a form, you consent to be contacted by a licensed insurance broker via phone, email, or other means you have provided, for the purpose of responding to your inquiry. This consent is not a condition of purchasing any insurance product.

You may opt out of future communications at any time by replying "STOP" to any text message, using the unsubscribe link in any email, or contacting us directly at [email protected].

We do not sell, rent, or share your contact information with third parties for marketing purposes. See our Privacy Policy for full details.

THIS SITE AND ALL CONTENT, PRODUCTS, AND SERVICES AVAILABLE THROUGH IT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that: (a) the Site will be uninterrupted or error-free; (b) defects will be corrected; (c) the Site or the server that makes it available are free of viruses or other harmful components; or (d) the results of using the Site will meet your requirements.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL INJURYPLANS.COM, CHRIS MARTIN, OR ANY OF THEIR AFFILIATES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES — ARISING OUT OF OR IN CONNECTION WITH:

• Your access to or use of (or inability to access or use) the Site
• Any content obtained from the Site
• Unauthorized access to or alteration of your transmissions or data
• Any insurance purchasing decision made in reliance on information from this Site
• Any other matter relating to the Site

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SITE EXCEED ONE HUNDRED DOLLARS ($100.00).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

You agree to defend, indemnify, and hold harmless InjuryPlans.com, Chris Martin, and their respective affiliates, officers, agents, and employees from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms
• Your use of the Site in a manner not authorized by these Terms
• Your violation of any applicable law or regulation
• Any information you submit through the Site that is false, misleading, or inaccurate

These Terms shall be governed by and construed in accordance with the laws of the State of Wisconsin, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or your use of this Site shall first be attempted to be resolved through good-faith negotiation. If the dispute cannot be resolved informally, it shall be submitted to binding arbitration in Milwaukee, Wisconsin, under the rules of the American Arbitration Association, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction.

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

We reserve the right to modify these Terms at any time at our sole discretion. When we make material changes, we will update the "Last Updated" date at the top of this page.

Your continued use of the Site after any changes to these Terms constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

If you do not agree to the revised Terms, you must stop using the Site.

If you have questions or concerns about these Terms of Use, please contact us: