Opening Statement

These Terms and Conditions (“Terms”) govern your access to and use of Team Insured, owned and operated by Team Insured. By accessing this website, you agree to be bound by these Terms. Team Insured may revise these Terms periodically.

Last Updated: July 1, 2026

Our Privacy Policy

These Terms incorporate by reference the Privacy Policy of Team Insured, accessible at Privacy Policy. This website is intended for U.S. audiences and is maintained in compliance with federal law (COPPA) and applicable state privacy laws, including the CCPA/CPRA, CPA, VCDPA, CTDPA, TDPSA, MODPA (effective October 2025), ICDPA, KCDPA, RIDTPPA, and future state legislation as applicable.

Key Terms

The following definitions govern interpretation of these Terms: “Personal Information” or “Personal Data” refers to information that identifies, relates to, or is reasonably capable of being associated with a specific person, consistent with applicable state law definitions. “Sensitive Personal Information” includes Social Security and government-issued ID numbers, financial account credentials, precise geolocation, racial or ethnic origin, religion, union membership, health data, biometric identifiers, sexual orientation, immigration status, and the contents of private communications, as defined under the CPRA and analogous state statutes. “Sale” or “Sharing” carries the meaning applicable under relevant state privacy laws, including disclosure of data for consideration or cross-context behavioral advertising.

Personal Use of Content

Visitors may access and use the content on this website at no cost, provided such use is personal and noncommercial in nature. Any commercial use of the content is prohibited and constitutes a breach of this Agreement.

What This Website Is For

The primary purpose of Team Insured 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 Relationships and Marketing

This website is advertising-supported. The Team Insured and its partners may receive compensation when users view, click on, or respond to advertisements. All material advertising relationships are disclosed. 

Email Marketing: If you submit your information through this website, you may receive email marketing from Team Insured and/or its advertising partners. You may opt out at any time by using the unsubscribe link included in each email. Opt-out requests will be honored within 10 business days consistent with CAN-SPAM requirements.

SMS/Text Marketing: If you provide a mobile phone number and consent to receive SMS communications, you may receive text messages from Team Insured or its partners. Message and data rates may apply. Reply STOP at any time to opt out. Reply HELP for assistance. Consent to SMS is not a condition of purchase or use of this website.

Third-Party Links and Content

The scope of these Terms is limited to Team Insured, operated by Team Insured. Links or references to third-party websites appearing on this website do not constitute endorsement, and Team Insured is not responsible for the content, privacy practices, or data security of any third-party site. Users are strongly encouraged to review third-party terms and privacy policies before sharing any personal information.

Personal Data Practices

As described in our Privacy Policy (incorporated by reference), Team Insured collects personal information including identifiers such as name, email, postal address, phone number, IP address, and device identifiers, as well as behavioral and browsing data. This information may be shared with advertising partners, data brokers, and other third parties for targeted advertising, lead generation, and analytical purposes. We do not sell Sensitive Personal Information. Residents of California and other applicable states have rights including the right to know, correct, access, delete, and opt out of sales, sharing, and targeted advertising of their personal information. To exercise these rights, visit our Privacy Choices page or contact us below. We will process verified requests within the timeframes mandated by applicable law.

Financial Information

Users do not need to share financial account information to use Team Insured. If at any time you believe your financial account data has been improperly collected or disclosed through this website, we urge you to contact Team Insured without delay using the contact information provided below.

Copyright and Proprietary Rights

© 2026 Team Insured. All rights reserved. Content, branding, and proprietary materials on this website are the intellectual property of Team Insured and may not be used or replicated without written authorization. Infringement may result in civil or other legal action.

To assert a copyright claim, send a written notice to [email protected] that contains: (1) a description of the copyrighted work; (2) the URL of the allegedly infringing content; (3) your contact information; and (4) a statement of your good-faith belief that the use is not authorized by the copyright owner or applicable law.

Privacy Rights of Minors

This website is committed to children’s online privacy. Personal information from children under age 13 is not knowingly gathered, in accordance with COPPA. Where such collection is discovered, it will be promptly remedied by deletion of the data. This site is designed for users 18 years of age or older. If a parent or guardian believes that a minor has submitted personal information through Team Insured, we urge you to contact us immediately.

This Website Is for U.S. Users

This website is directed at users located in the United States. Access from outside the United States is not prohibited but is at the user’s own risk, and no warranty is made that this website complies with foreign laws. Users outside the U.S. are responsible for their own local legal compliance.

Limits on Website Use

Use of this website for any of the following is strictly prohibited: unauthorized commercial data harvesting; e-commerce transactions; identity or affiliation misrepresentation; disruption of website operations or security systems; posting or transmitting unlawful or harmful content; automated scraping, crawling, or mass data extraction without prior written consent; or any activity that violates CAN-SPAM, TCPA, CCPA/CPRA, FTC regulations, or any other applicable federal or state law.

Our Right to Modify and Terminate

These Terms are subject to revision at Team Insured’s discretion. Material changes will be reflected by an updated “Last Updated” date on this page. Continued access to or use of Team Insured after any revision constitutes your acceptance of the updated Terms. Team Insured may suspend or terminate access for any user found to be in violation of these Terms, and may take legal action as warranted.

Arbitration Agreement

ANY CLAIM, DISPUTE, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THIS WEBSITE SHALL FIRST BE SUBJECT TO A 30-DAY INFORMAL RESOLUTION PERIOD DURING WHICH THE PARTIES SHALL NEGOTIATE IN GOOD FAITH. UNRESOLVED DISPUTES SHALL BE SUBMITTED TO BINDING ARBITRATION CONDUCTED BY THE AMERICAN ARBITRATION ASSOCIATION; PROVIDED THAT EITHER PARTY MAY SEEK INJUNCTIVE OR PRELIMINARY RELIEF IN A COURT WITH JURISDICTION.

CLASS ACTION WAIVER: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, ALL CLAIMS MUST BE BROUGHT INDIVIDUALLY AND NOT AS A CLASS OR REPRESENTATIVE ACTION.

Choice of Law

These Terms are governed by the laws of the State of Tennessee. Conflict of law principles that would otherwise apply are expressly excluded. These Terms do not limit any privacy rights you may have under applicable state or federal law, which remain in full force and effect.

Ways to Contact Us

If you have questions about these Terms of Service, please reach out to us by email at [email protected] or by mail at: 2000 Mallory Lane Suite 130-815, Box 826 Franklin, TN 37067. Users wishing to exercise their CCPA/CPRA or other state privacy rights by telephone may call: 844-588-1024.