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Terms of Use

Effective June 15, 2026

These Terms of Use govern your use of StateInsuranceRequirements.com (the "Site"), operated by Balanced Basics LLC. By using the Site, you agree to these Terms. If you do not agree, please do not use the Site.

Not legal, financial, or insurance adviceThe Site is an informational reference only. Nothing on it is legal, financial, or insurance advice, and using it does not create any professional relationship. Insurance and financial-responsibility laws change and individual situations vary — always confirm your requirements with the relevant state agency or a licensed professional before acting.

Accuracy and no warranty

We work to keep the information accurate and current, and we cite official sources, but we make no warranty that the Site is complete, error-free, or up to date at any given moment. The Site is provided "as is" and "as available," without warranties of any kind, express or implied. You rely on the information at your own risk.

Advertising and affiliate disclosure

The Site displays third-party advertising and contains paid affiliate links. If you click certain links and obtain a quote or make a purchase, we may earn a commission at no additional cost to you. Advertising and affiliate relationships do not influence the requirements we report. See our Privacy Policy for how advertising data is handled.

Intellectual property

The content, layout, and original text on the Site are owned by Balanced Basics LLC or its licensors and are protected by applicable law. Statutory text and government data are not owned by us. You may link to and quote reasonable portions with attribution, but you may not copy or republish the Site's content wholesale without permission.

Acceptable use

You agree not to misuse the Site, including by scraping at a scale that burdens our infrastructure, attempting to disrupt the Site, or using it for any unlawful purpose.

Third-party links

The Site links to official government sources and other third-party sites. We are not responsible for the content, accuracy, or practices of those sites.

Limitation of liability

To the fullest extent permitted by law, Balanced Basics LLC and its operators will not be liable for any indirect, incidental, or consequential damages, or for any decision made or action taken in reliance on the Site. Your sole remedy for dissatisfaction with the Site is to stop using it.

Indemnification

You agree to hold Balanced Basics LLC harmless from claims arising out of your misuse of the Site or violation of these Terms.

Governing law

These Terms are governed by the laws of the State of Arizona, without regard to conflict-of-law rules.

Changes to these Terms

We may update these Terms from time to time. Continued use of the Site after changes means you accept the revised Terms.

Contact

Questions about these Terms: contact@stateinsurancerequirements.com.