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Terms of Service

Last Updated: December 22, 2025

Service Description

STIM Insurance is a free insurance quote comparison service. We help users compare quotes from various insurance providers. We do not sell insurance directly.

Not an Insurance Company

STIM Insurance is NOT an insurance company, agent, or broker. We provide a comparison platform only. All insurance products are provided by third-party insurance companies.

No Guarantee of Quotes

Quotes shown are estimates only. Actual rates may vary based on:

• Your complete application information
• Underwriting decisions by the insurance company
• State regulations and availability
• Changes in rates since the quote was provided

Third-Party Providers

When you request quotes or purchase a policy:

• You are dealing directly with the insurance provider
• You are subject to their terms and conditions
• STIM Insurance is not responsible for their products or services

Compensation Disclosure

STIM Insurance may receive compensation from insurance providers when you request a quote or purchase a policy through our links. This does not affect the quotes you receive or increase your costs.

Accuracy of Information

You agree to provide accurate information when requesting quotes. Providing false information may result in inaccurate quotes or policy cancellation.

Limitation of Liability

STIM Insurance is not liable for:

• Decisions made by insurance providers
• Claims or coverage disputes
• Accuracy of quotes provided by third parties
• Actions of insurance providers

Changes to Terms

We may modify these terms at any time. Continued use constitutes acceptance.

Governing Law

These terms are governed by the laws of the State of Utah, United States.

Contact

Questions? Contact us at sparetimeismoney.com@gmail.com