Terms of Service

Last updated: 2026

By accessing or using DoINeedGap.com you agree to these Terms. If you do not agree, do not use the site.

Educational use only

All content on DoINeedGap.com — including our calculator, guides, comparisons, and FAQs — is provided for general educational purposes. Nothing on this site constitutes insurance advice, a recommendation to buy or cancel a policy, or a substitute for guidance from a licensed insurance agent or attorney in your jurisdiction.

No professional relationship

Using the site or contacting us does not create an agent-client, broker-client, or fiduciary relationship. We are not licensed to sell insurance in any state.

Accuracy

We work to keep information accurate and current, but insurance products, pricing, and availability change frequently. We make no warranty of accuracy, completeness, or fitness for a particular purpose. Verify all details directly with the insurer before purchasing coverage.

Affiliate links

Many outbound links on this site are affiliate links. We may earn a commission if you complete a purchase after clicking. This does not increase your cost.

Limitation of liability

To the maximum extent permitted by law, DoINeedGap.com and its operators are not liable for any indirect, incidental, or consequential damages arising from your use of the site or reliance on its content.

Intellectual property

All content, branding, and code on this site are owned by DoINeedGap.com or its licensors. You may share short quotations with attribution. You may not scrape, republish, or resell the content without written permission.

Governing law

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law rules.

Contact

Questions about these Terms: partners@doineedgap.com.