Terms of Use

These Terms of Use govern your access to and use of the Panorama IFS website and tools. By using this site, you agree to these terms.

Informational purpose

Content on this site — including product descriptions, premium estimates, the AI advisor and the financial analyzer — is for general educational purposes only and is not insurance, legal, tax or financial advice. Estimates are illustrative and not offers of coverage. Actual products, availability, pricing and terms depend on underwriting, your state, and carrier approval.

No guarantee

We strive for accuracy but do not warrant that content is complete, current or error-free. Coverage is only bound when issued in writing by an insurance carrier.

Intellectual property

All content, branding and design on this site are owned by Panorama IFS or its licensors and may not be reproduced without permission.

Third-party links

Our site may link to third-party websites and carriers. We are not responsible for their content or practices.

Limitation of liability

To the extent permitted by law, Panorama IFS is not liable for any indirect or consequential damages arising from your use of this site.