Terms & Conditions

Effective Date: November 2025

Welcome to Bridger Insurance Reviews (“the Site,” “we,” “our,” or “us”).
By accessing or using this website, you agree to be bound by these Terms of Service / Terms & Conditions (“Terms”). If you do not agree, do not use the Site.

1. Purpose of This Website

This Site provides consumer commentary, summaries of publicly available information, user-submitted reviews, and opinion-based analysis about Bridger Insurance Services and related topics.
The content on this Site is for informational and educational purposes only and is not legal, financial, or professional advice.

We are not affiliated with Bridger Insurance Services or any insurance provider.

2. User Eligibility

You must be at least 18 years old to use this Site or submit content.

3. User-Submitted Reviews and Content

Users may submit reviews, comments, and other content (“User Content”).
By submitting content, you agree to the following:

3.1 You Are Responsible for Your Content

You represent and warrant that:

  • your statements are true to the best of your knowledge,
  • they reflect your actual, personal experience, and
  • they do not include knowingly false, misleading, or defamatory claims.

3.2 License to Use Your Content

By submitting content, you grant the Site a non-exclusive, worldwide, royalty-free, perpetual license to:

  • display
  • reproduce
  • distribute
  • edit
  • modify
  • publish

your content in connection with this Site, social media, newsletters, or other platforms.

3.3 Right to Remove Content

We may remove, edit, decline to publish, or require verification of any User Content at our sole discretion, including if it is:

  • abusive
  • defamatory
  • false
  • spam
  • irrelevant
  • unverifiable
  • harmful to others

We are not obligated to publish any submission.

4. Reporting Inaccurate or Harmful Content

If you believe content on this Site is inaccurate, harmful, or violates legal rights, please contact us at:

📩  Contact Us

We will review all reasonable requests and take appropriate action, including correction or removal, where warranted.

5. Use of Public Records, Complaints, and Legal Filings

This Site summarizes and links to:

  • publicly available complaints
  • BBB filings
  • lawsuits
  • regulator records
  • news reports
  • reviews on third-party platforms

5.1 Allegations vs. Facts

Unless explicitly stated, lawsuits, complaints, and regulatory filings represent allegations, not proven facts.
We strive for accuracy but cannot guarantee that all third-party sources are error-free.

5.2 No Guarantee of Completeness

Information may be incomplete or change over time.
We do not guarantee:

  • accuracy
  • timeliness
  • completeness
  • legal validity

of any information referenced on the Site.

6. Editorial Content and Opinion

Some content on this Site consists of editorial opinions, commentary, and analysis.
All opinions expressed are:

  • protected under the First Amendment,
  • based on publicly available data,
  • and not statements of fact unless independently verified.

Nothing on this Site should be interpreted as a definitive accusation of wrongdoing unless such wrongdoing has been confirmed by a court, regulator, or official record.

7. Prohibited Activities

You agree not to:

  • submit false, defamatory, or misleading content
  • impersonate another person
  • scrape or harvest Site data
  • hack, disrupt, or attempt unauthorized access
  • reproduce Site content without permission
  • submit reviews based on hearsay or secondhand accounts
  • post private or identifying information of non-public individuals

8. Intellectual Property

All content on this Site—except user submissions—is owned by or licensed to us.
You may not copy, distribute, or reuse Site content without written consent.

9. Disclaimer of Warranties

This Site and its content are provided “as is” and without warranties of any kind, including:

  • accuracy
  • completeness
  • reliability
  • merchantability
  • fitness for a particular purpose

Use the Site at your own risk.

10. Limitation of Liability

To the fullest extent permitted by law:

  • We are not liable for any damages resulting from the use of this Site.
  • We are not liable for user-submitted content.
  • We are not liable for losses arising from reliance on any information on this Site.

Your sole remedy is to discontinue use of the Site.

11. Section 230 Notice (U.S. Only)

For users in the United States:

We operate as an interactive computer service under 47 U.S.C. § 230.
This means:

  • We are not liable for user-submitted content.
  • We may remove or moderate content at our discretion.

12. Indemnification

You agree to indemnify and hold harmless the Site, its owners, and affiliates from any claims, damages, or liabilities arising from:

  • your use of the Site
  • your User Content
  • your violation of these Terms

13. Changes to These Terms

We may update these Terms from time to time.
Continued use of the Site constitutes acceptance of the updated Terms.

14. Governing Law

These Terms are governed by the laws of the State of [Insert State], without regard to conflict-of-law principles.

15. Contact Information

For questions about these Terms, data requests, takedown requests, or legal concerns, contact us.