Terms & Services

Effective date: January 1, 2026

1. Agreement to terms

These Terms & Services ("Terms") govern your access to the website located at asktheresourcequeen.com (the "Site") and any related content, tools, or forms operated by Ask The Resource Queen Insurance ("Resource Queen," "we," "us," or "our"). By accessing the Site, submitting a form, or receiving advisory services, you agree to be bound by these Terms. If you do not agree, do not use the Site.

2. Insurance advisory relationship

Resource Queen is an insurance marketing and advisory organization. We are not an insurer. Coverage is provided by third-party insurance companies subject to their own policy terms, conditions, exclusions, and underwriting guidelines. Quotes displayed on the Site are illustrative until confirmed by an insurer. A licensed advisor may contact you to verify information, complete applications, and explain product suitability.

3. Eligibility

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, you represent that you are authorized to bind that entity.

4. Permitted use

You may use the Site for lawful personal or business purposes related to researching and obtaining insurance. You agree not to misuse the Site, including by attempting unauthorized access, scraping content, introducing malware, interfering with security features, or submitting false or misleading information on forms.

5. No guarantee of coverage

Submission of a quote request, contact form, or subscription does not guarantee issuance of a policy, specific premiums, or continued coverage. Insurers may decline, modify, or rescind coverage based on underwriting, misrepresentation, or non-payment. We do not warrant that any particular product will be available in your area.

6. Accuracy of information

You agree to provide accurate, complete, and current information when using our forms. Inaccurate information may affect quotes, policy issuance, and claims outcomes. You are responsible for reviewing policy documents, declarations pages, and endorsements before relying on coverage.

7. Educational content

Articles, checklists, and calculators on the Site are for general educational purposes and do not constitute legal, tax, or investment advice. You should consult qualified professionals regarding estate planning, tax implications of insurance products, and securities matters.

8. Intellectual property

The Site, including text, graphics, logos, layouts, and software, is owned by Resource Queen or its licensors and protected by intellectual property laws. You may view and print reasonable portions for personal use. You may not reproduce, distribute, modify, or create derivative works without prior written consent.

9. Third-party links and carriers

The Site may reference or link to third-party websites, including insurer portals. We do not control and are not responsible for third-party content, privacy practices, or availability. Your relationship with an insurer is governed by that insurer's contracts and privacy notices.

10. Email communications

By subscribing or submitting forms, you consent to receive transactional and marketing emails related to insurance products and services. You may unsubscribe at any time using the link on our unsubscribe page. See our Privacy Policy for details on how we handle personal information.

11. Disclaimers

THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, RESOURCE QUEEN AND ITS OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SITE OR INSURANCE PRODUCTS OBTAINED THROUGH OUR REFERRAL, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THESE TERMS OR THE SITE SHALL NOT EXCEED ONE HUNDRED DOLLARS (USD $100) OR THE AMOUNT YOU PAID US FOR ADVISORY SERVICES IN THE TWELVE MONTHS PRECEDING THE CLAIM, WHICHEVER IS GREATER.

13. Indemnification

You agree to indemnify and hold harmless Resource Queen from claims, damages, losses, and expenses (including reasonable attorneys' fees) arising from your misuse of the Site, violation of these Terms, or misrepresentation in applications for insurance.

14. Dispute resolution

Before initiating formal proceedings, you agree to contact us at hello@asktheresourcequeen.com to attempt informal resolution. Any dispute not resolved informally shall be resolved through binding arbitration on an individual basis, except that either party may seek injunctive relief for intellectual property misuse. You waive any right to participate in a class action to the extent permitted by law.

15. Governing law

These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-law principles, except where superseded by mandatory insurance regulations in your state of residence.

16. Changes

We may update these Terms periodically. Material changes will be noted by updating the effective date. Continued use of the Site after changes constitutes acceptance.

17. Contact

Questions about these Terms may be directed to hello@asktheresourcequeen.com.

18. Electronic records and signatures

You consent to receive agreements, notices, and disclosures electronically. Electronic signatures and records have the same effect as paper documents where permitted by law. You may request paper copies; administrative fees may apply.

19. Assignment

You may not assign your rights under these Terms without our prior written consent. We may assign our rights in connection with a merger, acquisition, or sale of assets, provided the assignee assumes our obligations.

20. Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect, and the invalid provision will be replaced with a valid provision that most closely reflects the original intent.

21. Entire agreement

These Terms, together with the Privacy Policy and any written advisory agreement you execute with us, constitute the entire agreement regarding use of the Site and supersede prior oral or written understandings on that subject.

22. Force majeure

We are not liable for delays or failures caused by events beyond our reasonable control, including natural disasters, labor disputes, internet outages, acts of government, or carrier system failures.

23. Regulatory compliance

Insurance is heavily regulated. If a provision of these Terms conflicts with mandatory insurance law in your state, that law will control to the extent of the conflict. Nothing in these Terms limits rights that cannot be waived under applicable insurance regulations.

24. Survival

Sections relating to intellectual property, disclaimers, limitation of liability, indemnification, dispute resolution, and governing law survive termination of your use of the Site.

25. Language

These Terms are drafted in English. Translated versions are provided for convenience only; the English version governs in the event of inconsistency.