Website Terms of Use & Privacy Policy

1. Use of the Site

The content on this Site is for general informational purposes only and is not intended as insurance, legal, tax, or financial advice. Use of this Site does not establish an agent-client or broker-client relationship with Equidae Insurance. You are responsible for ensuring that any products, services, or information available through this Site meet your specific needs.

2. Intellectual Property

All content, design, graphics, logos, and other materials on this Site are the property of Equidae Insurance or its licensors and are protected by applicable intellectual property laws. You may not reproduce, distribute, or otherwise use any materials without prior written permission from Equidae Insurance.

3. No Guarantee of Coverage

Quotes, forms, or requests made through this Site are not binding contracts of insurance. Coverage is not effective until confirmed in writing by an authorized representative of Equidae Insurance and the applicable carrier.

4. Third-Party Links

This Site may contain links to third-party websites. Equidae Insurance is not responsible for the content, accuracy, or privacy practices of those sites. Links are provided solely as a convenience and do not imply endorsement.

5. Information We Collect

We may collect personal information such as your name, address, phone number, email, date of birth, Social Security number, driver’s license, insurance details, and other identifying information provided when requesting quotes or services. We may also collect technical information (such as IP address, browser type, and usage data via cookies) and communication preferences.

6. How We Use Your Information

We use your information to provide insurance quotes, products, and services; communicate with you regarding policies, renewals, or claims; send marketing updates (with your consent); comply with legal obligations; and improve our services.

7. Sharing of Information

We may share your information with insurance carriers, service providers, legal or regulatory authorities, or during a business transfer. We do not sell your personal information to third parties.

8. SMS/Text Messaging

By providing your mobile number, you consent to receive text messages from Equidae Insurance related to your policies, quotes, renewals, and services. Message and data rates may apply. Message frequency may vary. You may opt out at any time by replying STOP to any message or contacting us directly. For help, reply HELP or contact us.

9. Cookies & Tracking

Our Site may use cookies and analytics tools to understand visitor usage, improve functionality, and personalize content. You may disable cookies in your browser settings, though some features may not function properly.

10. Data Security

We implement reasonable safeguards to protect your information. However, no electronic transmission or storage system can be guaranteed 100% secure.

11. Children’s Privacy

Our Site and services are not directed to individuals under the age of 13, and we do not knowingly collect information from children.

12. Your Rights

Depending on your state of residence, you may have rights to access, correct, or delete your personal information, and to opt out of marketing communications. To exercise these rights, please contact us at the information provided below.

13. Disclaimer of Warranties

This Site is provided on an “as is” and “as available” basis. Equidae Insurance makes no warranties, express or implied, regarding the accuracy, reliability, or availability of the Site.

14. Limitation of Liability

Equidae Insurance shall not be liable for any damages, including but not limited to direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of West Virginia. Any disputes shall be subject to the exclusive jurisdiction of the courts located in West Virginia.

16. Changes to this Statement

We may update or modify this combined Terms of Use and Privacy Policy at any time without prior notice. Updates will be posted on this page with the revised effective date.

17. Contact Us

If you have questions about this combined statement or how your information is handled, please contact us:

Equidae Insurance, Inc.
608 Virgina St., E, STE 302, Charleton, WV 25301
Phone: 304-346-1198
Email: info