Terms of Use

These Terms of Use apply to everyone who visits or uses AZ Claim Guide, located at https://azclaimguide.com (the "Site"). By using the Site, you agree to these terms. If you do not agree, please do not use the Site. For publisher and ownership details, see Ownership & Disclosures.

1. No professional relationship created

The content on this Site is general information for Arizona policyholders. It is not legal advice, not medical advice, and not a substitute for advice from a licensed professional who has reviewed your specific situation.

Reading this Site, browsing its pages, or sending a message through the contact form does not create an attorney-client relationship, a provider-patient relationship, or any other professional relationship. If you need personalized advice, please consult a qualified attorney, insurance professional, or medical provider.

2. Informational use only

You may use the Site for personal, non-commercial, informational purposes. You may not rely on the content as a complete or authoritative statement of law, insurance policy terms, or medical guidance.

3. Accuracy and warranties

We work to keep the information on this Site accurate, current, and well-sourced under our editorial standards. However, laws, regulations, and insurance products change, and errors or delays can occur. We make no warranty or representation that the content is complete, accurate, reliable, current, or fit for any particular purpose. All content is provided "as is" and "as available."

4. Third-party links

The Site may include links to third-party websites for convenience or reference. We do not control, endorse, or assume responsibility for the content, privacy practices, or accuracy of any external site. You visit third-party sites at your own risk.

5. Intellectual property

The content, design, text, graphics, and other materials on this Site belong to the operator of this website and are protected by copyright and other intellectual property laws. You may view, print, or share content for personal, non-commercial use, provided you keep all copyright and attribution notices intact.

You may not scrape, copy, reproduce, republish, distribute, sell, license, or create derivative works from the Site's content without our prior written permission. Automated access, scraping, or data extraction is prohibited.

6. Acceptable use

When using the Site, you agree not to:

• Use the Site for any unlawful purpose or in violation of any applicable law;
• Interfere with or disrupt the Site, its servers, or its networks;
• Attempt to gain unauthorized access to any part of the Site or its systems;
• Misuse the contact form by submitting spam, threats, false information, or excessive messages;
• Use automated means to access or collect content from the Site without permission.

7. Limitation of liability and disclaimer of warranties

To the maximum extent permitted by law, the operator of this website and its affiliates, contributors, and service providers disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

In no event shall the operator of this website be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, or goodwill, arising out of or related to your use of, or inability to use, the Site or its content, even if advised of the possibility of such damages. This limitation applies to the fullest extent permitted by Arizona law.

8. Governing law

These Terms of Use and any dispute arising from your use of the Site shall be governed by and construed in accordance with the laws of the State of Arizona, United States, without regard to conflict-of-law principles. You agree that any legal action related to these terms or the Site shall be brought in the state or federal courts located in Arizona.

9. Changes to these terms

We may update these Terms of Use from time to time. The effective date at the top of the page shows when the current version took effect. Your continued use of the Site after changes are posted means you accept the updated terms.

10. Contact us

If you have questions about these Terms of Use, please contact us through the contact form.