Terms & Conditions

By accessing and using the HoopInsure website and services, you acknowledge that you have read, understood, and agree to be bound by these terms and conditions. This agreement constitutes a legally binding contract between you and HoopInsure. If you do not agree with any part of these terms, you should not use our services.

We reserve the right to modify these terms at any time. When changes are made, we will update the effective date and, for significant changes, provide notice through our website or direct communication. Your continued use of our services following any modifications indicates your acceptance of the updated terms.

Our services are available to individuals who are at least eighteen years of age and possess a valid driver's license. By using our services, you represent and warrant that you meet these eligibility requirements and that all information you provide is accurate, current, and complete.

We reserve the right to refuse service, terminate accounts, or cancel policies if we determine that a user does not meet our eligibility criteria or has provided false or misleading information. Misrepresentation of facts may also result in the denial of claims or policy cancellation.

HoopInsure provides auto insurance products and related services, including but not limited to policy quotes, policy issuance, claims processing, and customer support. The specific coverage, terms, and conditions of each insurance policy are detailed in the policy documents provided upon purchase.

We strive to provide accurate quotes and information through our website. However, quotes are estimates based on the information provided and may be subject to change upon verification. Final policy terms, coverage limits, and premiums are confirmed in your official policy documents, which constitute the complete agreement between you and the insurance carrier.

When you create an account with HoopInsure, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

We will not be liable for any loss or damage arising from your failure to protect your account information. You are responsible for ensuring that your account information, including contact details and payment information, remains accurate and up to date.

Premium payments are due according to the payment schedule selected at the time of policy purchase. We accept various payment methods as indicated on our website. You authorize us to charge your selected payment method for all applicable premiums and fees.

Failure to make timely payments may result in policy cancellation or lapse of coverage. We will provide notice as required by applicable law before canceling a policy for non-payment. Reinstatement of a lapsed policy may be subject to additional underwriting review and may result in different terms or premiums.

In the event of an incident that may give rise to a claim, you agree to notify us promptly and provide all requested information and documentation. Cooperation with our claims investigation is a condition of coverage, and failure to cooperate may result in denial of your claim.

Claims decisions are made based on the terms and conditions of your policy and applicable law. We reserve the right to investigate claims thoroughly, including obtaining relevant records and conducting interviews. The claims process timeline may vary depending on the complexity of the claim and the availability of necessary information.

You agree to use our website and services only for lawful purposes and in accordance with these terms. You shall not engage in any activity that interferes with or disrupts our services or servers, attempt to gain unauthorized access to any part of our systems, or use our services to transmit harmful code or content.

We prohibit the use of automated systems, including bots and scrapers, to access our website without our express written permission. Any violation of these conduct standards may result in immediate termination of your access to our services and may subject you to legal liability.

To the maximum extent permitted by applicable law, HoopInsure shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of our services. Our total liability for any claims arising under these terms shall not exceed the amount of premiums you have paid in the twelve months preceding the claim.

We provide our website and services on an as-is and as-available basis. While we strive to maintain accurate and up-to-date information, we make no warranties regarding the completeness, reliability, or accuracy of any content or the continuous availability of our services.

Any disputes arising out of or relating to these terms or your use of our services shall first be addressed through good faith negotiation. If a resolution cannot be reached through negotiation, either party may pursue binding arbitration in accordance with the rules of a recognized arbitration association.

These terms shall be governed by and construed in accordance with applicable state and federal laws, without regard to conflict of law principles. Any legal action or proceeding shall be brought exclusively in courts of competent jurisdiction, and you consent to the personal jurisdiction of such courts.

If you have any questions about these terms and conditions, please contact us. We are committed to addressing your concerns and providing clarity on any aspect of our agreement. Our team is available to assist you during regular business hours.

You can reach us by email at [email protected], by phone at +1 (262) 401-9522, or by mail at 540 N Broadway, Green Bay WI 54303. We aim to respond to all inquiries within two business days.