TERMS OF SERVICE FOR TINY INSURANCE
Effective Date: March 25, 2026
PLEASE READ THESE TERMS OF SERVICE CAREFULLY. THEY CONTAIN AN ARBITRATION AGREEMENT AND CLASS ACTION WAIVER THAT REQUIRE YOU TO RESOLVE ALL DISPUTES WITH US ON AN INDIVIDUAL BASIS.
1. NATURE OF SERVICE; NO REGULATION
Tiny Insurance is a technology and software company, not a licensed insurance agency, broker, or carrier.
Lead Generation: We provide a software platform that collects user information and transmits it to third-party licensed insurance professionals ("Third-Party Partners").
No Insurance Advice: Tiny Insurance does not provide insurance quotes, determine eligibility, or provide professional advice. We are not regulated by any state Department of Insurance. Any insurance policy you purchase is strictly between you and the Third-Party Partner.
2. TCPA COMPLIANCE & EXPRESS WRITTEN CONSENT
By interacting with this website and providing your contact information, you agree that Tiny Insurance and its Third-Party Partners are operating in compliance with the Telephone Consumer Protection Act (TCPA).
Prior Express Written Consent: By clicking "Submit," "Get My Quote," or any similar button, you provide your prior express written consent to be contacted by Tiny Insurance and its Third-Party Partners at the phone number(s) provided.
Methods of Communication: You agree to be contacted via live operators, automated telephone dialing systems, artificial or prerecorded voices, emails, and SMS/MMS text messages, even if your number is currently listed on any state, federal, or corporate "Do Not Call" list.
Revocation: You may revoke this consent at any time by providing written notice to Tiny Insurance or following the "opt-out" instructions provided by the third party contacting you.
3. DATA SHARING, SALE, AND COOKIES
Sale of Information: You acknowledge and agree that Tiny Insurance is a lead generation business and may sell, license, or transfer your personal information to third parties at its sole discretion to the extent permitted by law.
Tracking Technologies: We utilize cookies, web beacons, pixels, and other tracking technologies to monitor site performance and user behavior. By using our site, you consent to these technologies to the maximum extent permitted by law.
No Financial Data: Tiny Insurance does not collect or store sensitive financial information (e.g., credit card numbers, bank accounts). You agree not to provide such information on our platform.
4. DISCLAIMERS AND LIMITATION OF LIABILITY
"AS-IS" SERVICE: THE TINY INSURANCE PLATFORM IS PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY OF DATA PROVIDED BY THIRD PARTIES OR THE QUALITY OF INSURANCE PRODUCTS OFFERED BY THEM.
LIMITATION OF LIABILITY: TO THE MAXIMUM EXTENT PERMITTED BY LAW, TINY INSURANCE, ITS AFFILIATES, AND OFFICERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM SHALL NOT EXCEED $100.00 USD.
5. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless Tiny Insurance from any claims, losses, or demands (including reasonable attorneys' fees) made by any third party due to or arising out of your breach of these Terms or your violation of any law or the rights of a third party.
6. DISPUTE RESOLUTION & ARBITRATION
Any dispute arising out of or relating to these Terms or the use of our website shall be settled by binding arbitration in the state of [Your State], except that you or we may assert claims in small claims court if the claims qualify. YOU AGREE TO WAIVE YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT.
7. MODIFICATIONS
Tiny Insurance reserves the right to modify these Terms at any time. Changes become effective immediately upon posting. Your continued use of the website following such changes constitutes your binding acceptance of the revised Terms.