TermsofService

Welcome to Home Insurance by AltFTool. By accessing or using our website, digital customer portals, mobile applications, or policy quote interfaces (collectively, the 'Platform'), you agree to be bound by these Terms of Service.

If you do not agree with all provisions of these Terms, you must discontinue using the Platform immediately.

You must be at least 18 years of age and legally eligible to enter into binding contracts to purchase home, condo, or property insurance policies through AltFTool.

• Non-Binding Estimates: Online quote summaries provided on the Platform are non-binding premium projections based on self-reported property characteristics.

• Underwriting Verification: Final policy issuance and binding of insurance coverage are contingent upon complete underwriting review, property inspection verification, loss-history validation, and carrier approval.

• Accurate Declarations: You agree to provide true, current, and complete information regarding your property, roof age, prior claims, safety equipment, and occupancy.

• Fraud Warning: Providing intentionally false or misleading statements in connection with an insurance quote or claim constitutes insurance fraud under state and federal laws.

• Credentials Protection: You are responsible for maintaining the confidentiality of your customer portal login credentials, including passwords and authentication tokens.

• Unauthorized Use: You must notify AltFTool immediately at hello@altftool.com if you suspect unauthorized access to your insurance account.

• Electronic Delivery: By enrolling in portal access, you consent to receive electronic policy declarations, billing invoices, endorsement notices, and renewal documentation.

• Payment Terms: Premiums are payable in advance on a monthly, quarterly, or annual basis as specified in your policy schedule.

• Escrow Billing: If your policy is billed through your mortgage lender, AltFTool will transmit invoices directly to your mortgagee escrow department.

• Policy Cancellation: Policyholders may cancel coverage at any time by written notice. Unearned premium refunds will be calculated on a pro-rata or short-rate basis in accordance with state statutory insurance laws.

• Non-Payment Cancellation: Failure to pay premiums by the due date may result in policy lapse or cancellation after required statutory notice periods.

• Ownership: All wordmarks, logos, design tokens, software code, custom calculators, article guides, and graphical assets on the Platform are the exclusive property of Home Insurance by AltFTool.

• Restrictions: You may not reproduce, modify, distribute, scrap, or reverse-engineer any portion of the Platform without prior explicit written permission.

• Policy Contract Controls: In the event of any conflict between marketing text or website summaries and your actual insurance policy declaration page, endorsement, or policy form, the official insurance policy contract shall govern completely.

• Indirect Damages: To the maximum extent permitted by law, AltFTool shall not be liable for indirect, incidental, or consequential damages resulting from digital platform downtime, network interruptions, or delay in third-party data processing.

• State Jurisdiction: These Terms shall be governed by and construed in accordance with the laws of the State of Texas and applicable United States federal insurance regulations.

• Dispute Resolution: Any disputes arising out of digital platform usage shall be resolved through binding arbitration or state court proceedings in Travis County, Texas.