Terms of Services

Accessing or using this site constitutes agreement to the terms outlined on this page. These terms apply to all visitors, regardless of how the site is reached or how long it is used during any given session. Continued use of the site following any posted updates to these terms signifies acceptance of the revised conditions.

Visitors who do not agree to these terms in full should discontinue use of the site immediately. PhilMarkAuto reserves the right to modify these terms at any time, and it is the visitor's responsibility to review this page periodically to remain informed of any changes.

This site exists to provide informational content about auto insurance and to facilitate the process of matching visitors with relevant coverage options through licensed carriers. The site is made available for lawful personal use only and may not be used for any purpose that violates applicable local, state, or federal law.

Visitors agree not to use the site in any manner that could damage, disable, or impair its functionality, or interfere with the experience of other users. Unauthorized attempts to access restricted areas of the site, scrape content, or reverse-engineer any part of the platform are strictly prohibited.

PhilMarkAuto reserves the right to limit, suspend, or restrict access to any portion of the site at any time and for any reason, including but not limited to suspected misuse, fraudulent activity, or violations of these terms.

Visitors who submit information through this site are responsible for ensuring that the information provided is accurate, complete, and up to date. Inaccurate or incomplete submissions may result in quote results that do not reflect actual eligibility or pricing, and PhilMarkAuto bears no responsibility for outcomes arising from information that was submitted incorrectly.

PhilMarkAuto makes reasonable efforts to keep the content on this site current and accurate, but makes no guarantees regarding the completeness or timeliness of information presented. Coverage details, eligibility criteria, and pricing are ultimately determined by licensed insurance carriers and are subject to change without notice.

All content appearing on this site, including but not limited to text, graphics, logos, icons, layout, and design elements, is the property of PhilMarkAuto or its content licensors and is protected under applicable intellectual property laws. Reproduction, redistribution, or commercial use of any site content without prior written authorization is not permitted.

Visitors may link to this site from external platforms without requesting prior permission, provided such links do not misrepresent the nature of the site or imply an endorsement that does not exist. All other uses of site content require explicit written consent from PhilMarkAuto.

This site may include links to websites operated by third parties, provided as a convenience to visitors seeking additional information. The presence of such links does not constitute an endorsement of the linked site, its content, or the entities responsible for it. PhilMarkAuto exercises no control over third-party sites and is not responsible for their accuracy, reliability, or privacy practices.

Visitors who choose to navigate to third-party sites through links found on this platform do so entirely at their own risk. Reviewing the terms of service and privacy policies of any external site before engaging with it or submitting personal information is recommended.

All content published on this site is intended for general informational purposes only. Nothing on this site constitutes licensed insurance advice, a binding coverage offer, or a guarantee of any specific policy outcome. Actual coverage terms, premiums, and eligibility are determined solely by the insurance carriers with whom visitors may be connected.

PhilMarkAuto makes no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, or suitability of the information on this site for any particular purpose. Visitors rely on this content at their own discretion and are encouraged to consult directly with a licensed insurance professional for specific guidance.

To the fullest extent permitted by applicable law, PhilMarkAuto shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from the use of or inability to use this site, or from reliance on any content, product, or service referenced herein. This limitation applies regardless of whether such damages were foreseeable or whether PhilMarkAuto was advised of the possibility of such damages.

The maximum liability of PhilMarkAuto in connection with any claim arising from use of this site shall be limited to the extent permitted by law. Certain jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the limitations above may not apply in all cases.

These terms of services are governed by and construed in accordance with the laws of the state of Ohio, without regard to conflict of law principles. Any disputes arising out of or relating to the use of this site or these terms shall be subject to the exclusive jurisdiction of the courts of appropriate jurisdiction located in Toledo, Ohio.

Questions or concerns about these terms of services may be directed to phil_m@philmarkauto.com, by phone at +1 (419) 214-8353, or by mail addressed to 101 N Summit St Toledo OH 43604. A response will be provided as promptly as circumstances allow.