Terms of Service

1. Acceptance of terms

By accessing or using sharpmonk.com (the “Site”), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Site.

2. Description of service

Sharpmonk provides free, browser-based calculators, including an insurance premium estimator, for general informational and educational purposes. Use of the Site does not require an account or payment.

3. Not insurance, financial, or legal advice

Sharpmonk is not an insurance company, agent, broker, or carrier. Nothing on the Site constitutes insurance, financial, legal, or tax advice, nor an offer, application, or quote for insurance coverage. Estimates produced by the calculator are illustrative only — see the Disclaimer for full detail.

4. Acceptable use

You agree not to:

• Use the Site for any unlawful purpose or in violation of these Terms.
• Attempt to interfere with, disrupt, or gain unauthorized access to the Site or its infrastructure.
• Scrape, reverse-engineer, or systematically extract content or code from the Site beyond normal browsing.
• Use automated means to access the Site in a way that sends more requests than a human could reasonably send in a given period.

5. Intellectual property

The Site's design, code, text, and branding are owned by Sharpmonk or its licensors and protected by applicable intellectual property laws. You may use the Site for personal, non-commercial purposes only, unless otherwise agreed in writing.

6. Third-party links and advertising

The Site may display third-party advertisements (via Google AdSense) or link to third-party websites. We do not control and are not responsible for the content, accuracy, or practices of third-party sites or advertisers.

7. Disclaimer of warranties

The Site and all calculators are provided “as is” and “as available,” without warranties of any kind, express or implied, including accuracy, completeness, reliability, or fitness for a particular purpose. We do not warrant that the Site will be uninterrupted or error-free.

8. Limitation of liability

To the fullest extent permitted by law, Sharpmonk and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising from your use of, or inability to use, the Site — including decisions made based on calculator estimates.

9. Changes to these terms

We may revise these Terms at any time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

10. Governing law

These Terms are governed by the laws of the jurisdiction in which Sharpmonk operates, without regard to conflict-of-law principles, unless otherwise required by applicable consumer protection law.

11. Contact

Questions about these Terms? Reach out via the contact page.