HearthMutual

Terms of Service

Effective Date: March 31, 2026

Please read these Terms of Service carefully before using the website operated by INSURASAFE, LLC ("HearthMutual," "we," "us," or "our") at https://hearthmutual.com. By accessing or using our website, you agree to be bound by these Terms. If you do not agree, please do not use our website.

1. Acceptance of Terms

By accessing or using the HearthMutual website, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy, which is incorporated herein by reference. These Terms apply to all visitors, users, and others who access or use the website.

2. Description of Service

INSURASAFE, LLC operates a website that connects consumers who are interested in insurance products with licensed, independent insurance agents. HearthMutual is a licensed insurance agency. It is not an insurance carrier. HearthMutual does not underwrite, issue, bind, or guarantee any insurance policy. All coverage decisions, policy issuance, and rate determinations are made solely by insurance carriers.

3. Not Insurance, Financial, or Legal Advice

All content on this website — including text, descriptions of insurance products, pricing information, and eligibility guidance — is provided for educational and informational purposes only. Nothing on this website constitutes insurance advice, financial advice, or legal advice. The information provided does not take into account your individual circumstances, health profile, or specific needs.

You should consult with a licensed insurance agent, financial advisor, or attorney for advice specific to your situation before making any insurance or financial decision.

4. No Guarantee of Coverage or Specific Rates

Submitting a form on this website does not guarantee that you will receive insurance coverage, be approved for any policy, or receive any specific rate or benefit amount. Coverage decisions are made exclusively by insurance carriers, not by HearthMutual.

Insurance rates and eligibility vary based on your state of residence, the insurance carrier, your age, and your individual health profile. Any rate examples or coverage ranges displayed on this website are illustrative only and are not binding quotes or offers of coverage.

5. TCPA Consent and Communications

By submitting a form on this website, you expressly consent to receive calls, text messages, and emails at the phone number and/or email address you provided, including communications made using an automatic telephone dialing system (autodialer) or pre-recorded voice, from INSURASAFE, LLC and its licensed independent insurance agent partners, for the purpose of discussing insurance products and services.

Consent is not a condition of purchase or receipt of any insurance product or service. Standard message and data rates may apply to text messages. You may revoke your consent at any time by replying STOP to any text message or by contacting us at (844) 748-9070.

6. User Responsibilities

By using our website, you agree to:

7. Intellectual Property

All content on this website — including but not limited to text, graphics, logos, icons, images, and page design — is the property of INSURASAFE, LLC or its content licensors and is protected by applicable copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, modify, or create derivative works from any content on this website without our prior written permission.

8. Third-Party Links

Our website may contain links to third-party websites or resources for your convenience. HearthMutual does not control those third-party sites and is not responsible for their content, privacy practices, or availability. The inclusion of any link does not imply our endorsement of the linked site. You access third-party sites entirely at your own risk.

9. Limitation of Liability

To the fullest extent permitted by applicable law, INSURASAFE, LLC and its officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including without limitation lost profits, lost data, or loss of goodwill — arising out of or in connection with your use of, or inability to use, this website or any content, information, or services provided herein.

This website and all information, content, and services provided through it 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.

10. Indemnification

You agree to indemnify, defend, and hold harmless INSURASAFE, LLC and its officers, directors, employees, agents, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of our website; (b) any information you submit through our website; or (c) your violation of these Terms of Service or any applicable law or regulation.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the state in which INSURASAFE, LLC is registered ("[State]"), without regard to its conflict of law provisions. Any legal action or proceeding arising under these Terms shall be brought exclusively in the courts located in that state, and you consent to personal jurisdiction in such courts.

12. Changes to These Terms

We reserve the right to update or modify these Terms of Service at any time. Changes will be posted on this page with an updated Effective Date. Your continued use of our website after any such changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

13. Contact Us

If you have questions about these Terms of Service, please contact us:

INSURASAFE, LLC
Phone: (844) 748-9070
Website: https://hearthmutual.com