Effective date: January 1, 2026
These Terms and Services ("Terms") govern your access to and use of the website ccfreebies.com (the "Site") operated by CCFreebies Assurance ("we," "us," or "our"), including all content, tools, quote request forms, and educational materials made available through the Site. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, do not use the Site.
CCFreebies Assurance is an insurance agency and service provider that offers information about insurance products, facilitates quote requests, and connects prospective policyholders with licensed professionals. Unless expressly stated in a separate written agreement, nothing on the Site constitutes a binding offer of insurance, a guarantee of coverage, or a promise of a particular premium rate. Insurance is subject to underwriting approval, policy terms, conditions, exclusions, and limitations issued by the applicable insurance carrier.
Illustrative pricing, benefit summaries, and coverage descriptions on the Site are provided for general educational purposes. Your actual policy will be governed solely by the insurance application, declarations page, endorsements, and policy contract issued by the insurer. In the event of any conflict between Site content and your policy documents, the policy documents control.
You represent that you are at least eighteen years of age and have the legal capacity to enter into these Terms. If you submit information on behalf of a business or another person, you represent that you are authorized to do so. You agree to provide accurate, current, and complete information in all forms and communications. Misrepresentation of material facts in an insurance application may void coverage or result in claim denial under applicable law and policy language.
You are responsible for maintaining the confidentiality of any credentials associated with a customer portal, if provided, and for all activities that occur under your account. Notify us promptly at support@ccfreebies.com if you suspect unauthorized access.
When you submit a quote request, contact form, or newsletter subscription through the Site, you consent to be contacted by email regarding your inquiry. Submitting a form does not obligate you to purchase insurance. Our representatives may request additional information to provide accurate quotes, including details about property, vehicles, health history, or business operations, as permitted by law.
We strive to respond to web inquiries promptly during regular business hours. Response times may vary during peak periods, catastrophes, or system maintenance. We do not guarantee a specific response time unless required by applicable regulations for your type of inquiry.
Articles, blog posts, calculators, and FAQs on the Site are general in nature and are not legal, tax, or financial advice. Coverage needs vary based on individual circumstances. You should consult with a licensed insurance professional before making decisions about limits, deductibles, or policy types. We disclaim liability for actions taken solely in reliance on general Site content without personalized review.
The Site, including its design, logos, text, graphics, and software, is owned by CCFreebies Assurance or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may view and print pages for personal, non-commercial use provided you do not remove proprietary notices. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit Site content for commercial purposes without our prior written consent.
"CCFreebies Assurance" and associated logos are trademarks of CCFreebies Assurance. Third-party carrier names and logos are the property of their respective owners and are used for identification purposes only.
The Site may contain links to third-party websites, including insurance carriers, payment processors, or educational resources. We do not control and are not responsible for the content, privacy practices, or availability of third-party sites. The inclusion of a link does not imply endorsement. Your dealings with third parties are solely between you and the third party.
Insurance products may be underwritten by unaffiliated insurers. As an agency, we may receive compensation from carriers in the form of commissions or other agreed payments, as permitted by law. This compensation does not affect your premium unless disclosed otherwise in accordance with applicable regulations.
You agree not to: (a) use the Site for any unlawful purpose or in violation of these Terms; (b) attempt to gain unauthorized access to our systems, other user accounts, or carrier systems; (c) transmit malware, spam, or automated scraping tools that impose an unreasonable load on the Site; (d) impersonate any person or entity or misrepresent your affiliation; (e) harvest or collect information about other users without consent; (f) interfere with security features; or (g) use the Site to submit fraudulent insurance claims or false applications.
THE SITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
We do not warrant the accuracy or completeness of information on the Site, including premium estimates and coverage descriptions. Insurance laws and product filings change over time; we may update Site content without notice.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, CCFREEBIES ASSURANCE AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS SHALL NOT EXCEED ONE HUNDRED DOLLARS (USD) OR THE AMOUNT YOU PAID US DIRECTLY FOR SERVICES GIVING RISE TO THE CLAIM IN THE TWELVE MONTHS PRECEDING THE EVENT, WHICHEVER IS GREATER. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN SUCH CASES, OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
You agree to indemnify, defend, and hold harmless CCFreebies Assurance and its affiliates from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, your violation of any law or third-party rights, or any information you submit that is inaccurate or misleading.
Your use of the Site is also governed by our Privacy Policy, which describes how we collect, use, and protect personal information. By using the Site, you consent to our data practices as described in the Privacy Policy.
By using the Site and providing your email address, you consent to receive electronic communications from us, including notices about your inquiries, policy servicing where applicable, and marketing messages if you have opted in. You may opt out of marketing emails as described in our Privacy Policy and on the unsubscribe page.
We may revise these Terms at any time by posting an updated version on the Site with a new effective date. Material changes will be highlighted where practicable. Your continued use of the Site after changes become effective constitutes acceptance of the revised Terms. If you do not agree, you must stop using the Site.
We may suspend or terminate your access to the Site at any time, with or without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties. Provisions that by their nature should survive termination shall survive, including intellectual property, disclaimers, limitation of liability, and indemnification.
These Terms are governed by the laws of the jurisdiction in which CCFreebies Assurance is organized, without regard to conflict-of-law principles. Any dispute arising from these Terms or the Site shall first be addressed through good-faith negotiation. If not resolved within thirty days, disputes may be submitted to binding arbitration or courts of competent jurisdiction as permitted by applicable law. You waive any right to participate in a class action to the extent such waiver is enforceable.
Policyholders must report claims in accordance with their policy requirements, including timely notice and cooperation with investigation. Failure to comply may affect coverage. Cancellation, non-renewal, and premium payment grace periods are governed by your policy and applicable insurance regulations. Our agency role is to assist with placement and servicing; claim payment decisions are made by the underwriting insurer subject to policy terms.
Licensing: Insurance products are offered through licensed agents. License information is available upon request via support@ccfreebies.com.
Questions about these Terms may be directed to support@ccfreebies.com.
