Terms of Services

Accessing or using the ErminePrime website means these Terms of Services are accepted in full. Anyone who does not agree with any part of these terms should stop using the website. Continued use after changes are published counts as acceptance of the updated terms.

These terms apply to every visitor, account holder and person who submits information through the website in any form.

ErminePrime provides guidance and information related to insurance coverage across home, auto, health, life, Medicare and final expense categories. The website helps visitors explore coverage options, request conversations about policies and keep track of coverage related details.

ErminePrime is not an insurance carrier. Policies discussed through this website are issued and administered by the insurers named on the policy documents, and those documents alone define the cover in force.

Use of this website is limited to residents of the United States who have reached the age of majority in their state. By creating an account or submitting information, each person confirms meeting these requirements and that every detail provided is truthful, current and complete.

Creating an account requires accurate personal details and a password. Responsibility for keeping login credentials confidential, and for all activity carried out under an account, rests with the account holder.

ErminePrime may suspend or close an account that shows signs of false information, misuse or activity that conflicts with these terms.

Where consent has been given during signup or elsewhere on the website, ErminePrime may send service and marketing communications by phone and SMS. These can include activity updates, saved coverage details, request confirmations, reminders and promotional messages about coverage options.

Consent to marketing messages is never a condition of purchase. Texting STOP ends message delivery and texting HELP requests support. Message frequency may vary and standard message and data rates may apply depending on the carrier plan.

The website may only be used for lawful purposes. The following are not permitted:

• Submitting information that is false, misleading or belongs to another person without authority.
• Attempting to probe, disrupt or gain unauthorized access to the website or its systems.
• Copying, scraping or reusing website content for commercial purposes without written permission.
• Using the website in any way that violates applicable law or the rights of others.

All content on this website, including text, layout, graphics, logos and imagery, belongs to ErminePrime or its licensors and is protected by intellectual property laws. Viewing and printing pages for personal, non commercial use is permitted; any other use requires prior written consent.

Information on this website is general in nature and provided for guidance only. It is not a policy, a binder of coverage or a promise that any particular application will be approved. Premiums, eligibility and final terms are always determined by the issuing insurer.

While care is taken to keep content accurate and current, the website is provided on an as available basis without warranties of any kind, whether express or implied.

To the fullest extent permitted by law, ErminePrime is not liable for indirect, incidental, special or consequential damages arising from use of this website, reliance on its content or inability to access it. Nothing in these terms limits liability where the law does not allow such limits.

The website may reference or link to third party websites and services, including insurance carriers. Those destinations operate under their own terms and privacy practices, and ErminePrime is not responsible for their content or conduct.

Access to the website or to an account may be suspended or ended at any time where these terms are breached or where continued access poses a risk to the website or other users. Sections concerning intellectual property, disclaimers and limitation of liability survive any termination.

These terms may be revised from time to time. The date at the top of this page shows when the current version took effect. Material changes will be reflected on this page, and continued use after publication signals acceptance.

These terms are governed by the laws of the State of New York, without regard to conflict of law principles. Any dispute arising from these terms or from use of the website belongs to the courts located in New York, unless an applicable arbitration agreement directs otherwise.

Questions about these Terms of Services can be raised through the details below.