Terms and Conditions

The following Terms of Service (“Agreement”) govern your use of Insure Sharks, a website owned and operated by Insure Sharks. This Agreement is legally binding on all visitors and users. Insure Sharks may update this Agreement at any time without prior notice.

Last Updated: June 29, 2026

Our Privacy Policy

Insure Sharks’s data practices are described in the Privacy Policy, which is incorporated by reference. This website is directed to general audiences in the United States and is operated in compliance with COPPA and applicable state privacy laws, including the CCPA/CPRA, CPA, VCDPA, CTDPA, TDPSA, MODPA (effective October 2025), ICDPA, KCDPA, RIDTPPA, and additional state statutes as enacted.

Definitions and Interpretations

The following terms are used throughout this Agreement: “Personal Information” or “Personal Data” means data that directly or indirectly identifies or is linked to a specific individual under applicable state law. “Sensitive Personal Information” means categories of data including Social Security or government-issued identification numbers, financial account login credentials, precise geolocation, racial or ethnic origin, religious beliefs, labor union membership, health or medical information, biometric identifiers, sexual orientation or gender identity, immigration status, and the substance of private communications. “Sale” or “Sharing” has the meaning under applicable privacy law and may include transfer of data to third parties for valuable consideration or cross-context behavioral advertising.

Free Content for Personal Use

This website’s content is available to users free of charge, solely for personal and noncommercial purposes. Commercial use of any content on this website is expressly prohibited and may result in enforcement action under these Terms.

Website Mission and Purpose

The primary purpose of Insure Sharks is to provide free informational and editorial content, funded through advertising. This website is not intended for, and prohibits, commercial use beyond personal browsing by individual users.

Advertising, Email, and SMS Disclosures

Advertising supports the operation of this website. Insure Sharks and its advertising partners may receive payment for ad impressions, clicks, or other user interactions. We disclose all material advertising relationships.

Email Marketing: Submitting your email or contact information through this website may result in you receiving marketing emails from Insure Sharks and its marketing partners. You may opt out at any time by using the unsubscribe mechanism included in each communication; opt-out requests are honored within 10 business days in accordance with CAN-SPAM.

SMS/Text Marketing: Where you have provided a mobile number and given explicit consent to receive SMS, you may receive text messages from Insure Sharks or affiliated partners. Message and data rates may apply. To opt out, reply STOP; to get help, reply HELP. Providing SMS consent is entirely voluntary and not required for any purchase or access to this website.

Links to Other Websites

These Terms of Service apply only to Insure Sharks and Insure Sharks’s operations thereon. Third-party websites, even those accessible via links or advertisements on Insure Sharks, maintain their own terms and policies that are separate from and unaffected by this Agreement. Insure Sharks accepts no responsibility for third-party sites. We encourage users to review the privacy policies and terms of service of any third-party site before disclosing personal information.

Personal Data Practices

Personal information collected by Insure Sharks is described in our Privacy Policy, which is incorporated into these Terms. We collect categories of data including identifiers (name, email address, phone number, postal address, IP address), device identifiers, and behavioral or browsing data. We may share this data with advertising partners, data brokers, and other third parties for targeted advertising, lead generation, and analytics, as further described in our Privacy Policy. We do not sell Sensitive Personal Information. Depending on the applicable state law, users may have rights to know, access, correct, delete, and opt out of the sale or sharing of their data and targeted advertising. To exercise your rights, visit our Privacy Choices page or contact us using the information below. We will respond to valid requests within legally required timeframes.

How We Handle Financial Data

This website does not require financial account information to use. If you believe your financial information has been improperly collected or disclosed through this website, please contact Insure Sharks promptly using the contact information below.

Ownership of Content

Copyright © 2026 Insure Sharks. All rights reserved. All intellectual property on this website, including content, trademarks, and other proprietary materials, is owned by Insure Sharks and protected by applicable copyright and trademark law. Reproduction or use without prior written consent is prohibited and may result in legal proceedings.

To report an infringement of your copyright, direct a written notice to [email protected] specifying: (1) the copyrighted work allegedly infringed; (2) the URL of the relevant content; (3) your contact details; and (4) your good-faith belief that the use is unauthorized.

Privacy Rights of Minors

Compliance with COPPA is a priority for Insure Sharks. This general-audience website does not knowingly collect, use, or disclose personal information from children under 13. If we become aware of any such collection, we will delete it promptly. This website is intended for users 18 and older. Parents or legal guardians who believe a minor has provided personal information on this website should contact us at once so appropriate action can be taken.

Geographical Limitations

This website is intended for use by visitors located in the United States. Users accessing this website from outside the United States do so at their own risk and are responsible for compliance with applicable local laws.

Limits on Website Use

This website prohibits the following conduct without limitation: unauthorized commercial data harvesting; e-commerce activities; identity misrepresentation; interference with website security; posting unlawful or harmful material; use of automated bots or scraping tools without written consent; and any action that contravenes CAN-SPAM, TCPA, CCPA/CPRA, FTC standards, or any other applicable law or regulation.

Changes to These Terms and Termination

These Terms may be revised at any time. Where changes are material, the “Last Updated” date will be updated accordingly. Continued use of this website after any modification constitutes acceptance of the new Terms. Access may be suspended or terminated for violations of these Terms, and legal remedies may be pursued as appropriate.

How to Resolve Disputes

CLAIMS ARISING FROM THESE TERMS OR USE OF THIS WEBSITE MUST FIRST GO THROUGH A 30-DAY GOOD-FAITH INFORMAL RESOLUTION PERIOD. DISPUTES NOT RESOLVED INFORMALLY WILL BE SUBMITTED TO FINAL AND BINDING ARBITRATION BEFORE THE AMERICAN ARBITRATION ASSOCIATION, EXCEPT THAT INJUNCTIVE RELIEF MAY BE SOUGHT FROM ANY COURT WITH APPROPRIATE JURISDICTION.

CLASS ACTION WAIVER: TO THE EXTENT PERMITTED BY LAW, ALL DISPUTES BETWEEN THE PARTIES SHALL BE RESOLVED ON AN INDIVIDUAL BASIS AND NOT THROUGH CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDINGS.

Jurisdiction and Governing Law

The law of the State of North Dakota, without regard to its conflict of laws provisions, governs the interpretation and enforcement of these Terms. Nothing in these Terms modifies, limits, or waives any rights you may have under applicable state or federal privacy statutes.

Contact Information and Privacy Rights

Should you have any questions or comments about these Terms of Service, you may contact us at [email protected] or by mail at: 3120 25th St SW, Box 228, Fargo, ND 58103. If you would like to exercise your rights under CCPA/CPRA or other applicable state privacy legislation, please call: 877-711-2088.