Sloth Insurance

Terms of Service

Effective date: July 2026

These Terms of Service govern your use of the Sloth Insurance website and the auto insurance products and services we offer. Please read them carefully. This page is maintained by Sloth Insurance as a reference for our customers.

1. Agreement to terms

  • By accessing or using the Sloth Insurance website and services, you agree to be bound by these Terms of Service.
  • If you do not agree with any part of these terms, please do not use our services.
  • These terms apply to all visitors, users, and customers of the site.

2. Our services

  • Sloth Insurance provides auto insurance quotes, policy management, claims processing, and related services.
  • All coverage is subject to the terms, conditions, exclusions, and limits of the specific insurance policy you purchase.
  • A quote generated on our website is not a binding offer of insurance until underwriting is completed and payment is accepted.

3. Eligibility

  • You must be at least 18 years old and legally able to enter into a contract to use our services.
  • You must provide accurate, complete, and current information when requesting a quote or purchasing a policy.
  • Providing false or misleading information may result in denial of coverage or cancellation of your policy.

4. Accounts and security

  • You are responsible for maintaining the confidentiality of your account credentials.
  • You agree to notify us immediately of any unauthorized access to or use of your account.
  • Sloth Insurance is not liable for losses caused by your failure to keep your account secure.

5. Payments and cancellations

  • Premiums are billed according to the payment schedule selected during purchase.
  • Failure to pay premiums may result in policy cancellation or lapse of coverage.
  • Refund and cancellation terms are governed by your specific policy documents and applicable state laws.

6. Intellectual property

  • All content on this website, including text, graphics, logos, and images, is the property of Sloth Insurance or its licensors.
  • You may not reproduce, distribute, modify, or create derivative works without our written permission.

7. Prohibited conduct

  • You may not use our website for any unlawful purpose or in a way that could damage, disable, or impair our services.
  • You may not attempt to gain unauthorized access to our systems or interfere with other users.
  • You may not use automated means to scrape, mine, or harvest data from our website without permission.

8. Disclaimers and limitation of liability

  • Our website and services are provided 'as is' without warranties of any kind, either express or implied.
  • Sloth Insurance is not liable for indirect, incidental, or consequential damages arising from your use of the site or services.
  • Our total liability to you for any claim arising from these terms or your use of the services is limited to the amount you paid us in the twelve months preceding the claim.

9. Governing law

  • These terms are governed by the laws of the state in which your policy is issued, without regard to conflict of law principles.
  • Any disputes will be resolved in the appropriate state or federal courts located in that state.

10. Changes to these terms

  • We may update these Terms of Service at any time. The updated version will be posted on this page with a revised effective date.
  • Your continued use of our services after changes are posted constitutes acceptance of the revised terms.

11. Contact us

  • If you have questions about these Terms of Service, contact us at legal@slothinsurance.com or at 123 Canopy Lane, Greenville.