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    Terms of Service

    Last updated: March 28, 2026

    1. Acceptance of Terms

    By accessing or using the Localsurance platform ("Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

    2. Description of Service

    Localsurance is an insurance technology platform that helps employers and employees compare, purchase, and manage health insurance plans. We act as a licensed insurance marketplace and do not underwrite insurance policies ourselves.

    3. Eligibility

    You must be at least 18 years of age and have the legal authority to enter into these terms on behalf of yourself or your organization. By using the Service, you represent that you meet these requirements.

    4. Account Responsibilities

    You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

    5. Insurance Information

    The insurance quotes, plan details, and pricing information provided through our platform are for informational purposes. Final coverage terms, conditions, and pricing are determined by the insurance carrier. Localsurance does not guarantee the accuracy, completeness, or availability of any insurance product.

    6. Licensing

    Localsurance operates under USA License #0708090 and CA NPN #2743739. Our services comply with applicable state and federal insurance regulations.

    7. Prohibited Uses

    You agree not to misuse the Service, including but not limited to: providing false information, attempting to gain unauthorized access, interfering with the platform's operation, or using the Service for any unlawful purpose.

    8. Intellectual Property

    All content, trademarks, and intellectual property on the Localsurance platform are owned by Localsurance. You may not reproduce, distribute, or create derivative works without our prior written consent.

    9. Limitation of Liability

    To the fullest extent permitted by law, Localsurance shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service. Our total liability shall not exceed the amount you paid to us in the twelve months preceding the claim.

    10. Termination

    We reserve the right to suspend or terminate your access to the Service at our discretion, with or without notice, for conduct that we believe violates these Terms or is harmful to other users or the platform.

    11. Changes to Terms

    We may update these Terms from time to time. Continued use of the Service after changes constitutes acceptance of the revised terms. We encourage you to review this page periodically.

    12. Contact

    If you have questions about these Terms, please contact us at +1 (530) 702-9733 or visit our contact page.