Terms & Conditions
Welcome to Wilderness Insurance!
These Terms and Conditions ("Terms," "Terms and Conditions") govern your use of the Wilderness Insurance website, including any webpages, online forms, quote-request tools, applications, and related services made available through the website (collectively, the "Website").
Wilderness Insurance operates and provides insurance services in multiple states, including Oklahoma and Washington, and may expand into additional states.
By accessing or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy.
If you do not agree with these Terms and Conditions, please do not use this Website.
For purposes of these Terms and Conditions, "Wilderness Insurance," "Company," "we," "us," and "our" refer to Wilderness Insurance. "You," "your," "user," or "customer" refers to the person accessing or using the Website.
1. Use of Our Website
You agree to use this Website only for lawful purposes and in accordance with these Terms and Conditions.
You agree not to:
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Use the Website for any unlawful purpose.
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Submit false, misleading, fraudulent, or inaccurate information.
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Attempt to gain unauthorized access to the Website or its systems.
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Interfere with the operation or security of the Website.
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Use automated systems to access or collect information from the Website without our permission.
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Impersonate another person or entity.
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Use information obtained through the Website for unauthorized purposes.
Wilderness Insurance reserves the right to restrict or terminate access to the Website if we believe these Terms and Conditions have been violated.
2. Insurance Quotes and Applications
Information provided through this Website may be used to assist you in obtaining an insurance quote or applying for insurance coverage.
Submitting a quote request or application does not guarantee that you will receive an insurance quote, be approved for coverage, or be issued an insurance policy.
Insurance premiums, eligibility, coverage, deductibles, limits, exclusions, and other policy terms are determined by the applicable insurance company and are subject to that company's underwriting guidelines, policy forms, and applicable law.
A quote displayed or communicated to you is not an insurance policy and does not constitute a guarantee of coverage.
Coverage is not effective unless and until the applicable insurance company has accepted the application and coverage has been issued or otherwise confirmed according to the insurer's procedures.
3. Insurance Companies
Wilderness Insurance may represent or work with multiple insurance companies.
When you request a quote or apply for coverage, you authorize Wilderness Insurance to provide the information necessary to the insurance company or companies you select for the purpose of obtaining a quote, evaluating your application, or securing insurance coverage.
Different insurance companies may offer different rates, coverage options, eligibility requirements, deductibles, exclusions, and policy terms.
The final decision regarding whether to offer coverage and the terms of any policy rests with the applicable insurance company.
The terms and conditions of an insurance policy issued to you are governed by the policy itself. If there is any conflict between information presented on this Website and the terms of an issued insurance policy, the insurance policy controls.
4. Accuracy of Information
You agree to provide accurate, current, and complete information when using the Website or requesting insurance services.
You are responsible for reviewing the information you provide and notifying Wilderness Insurance of any material errors or changes.
Providing inaccurate or incomplete information may affect your eligibility for coverage, the availability of insurance, or the premium and terms offered by an insurance company.
5. No Guarantee of Coverage
Wilderness Insurance does not guarantee that:
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You will qualify for insurance coverage.
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An insurance company will offer you a policy.
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You will receive a particular premium or rate.
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A particular insurance company will remain available to you.
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Coverage will be available in your location.
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A quote will remain available for any particular period of time.
Insurance companies may change rates, underwriting requirements, eligibility criteria, coverage availability, and policy terms.
6. Website Information
We make reasonable efforts to provide accurate and current information on our Website. However, information may occasionally contain errors, omissions, outdated information, or other inaccuracies.
Website content is provided for general informational purposes and should not be interpreted as a guarantee, representation, or promise regarding insurance coverage.
Information on this Website does not replace the actual terms, conditions, exclusions, endorsements, or limitations contained in an insurance policy.
7. No Professional Advice Through Website Content
Information provided through this Website is intended to assist you in understanding insurance products and services.
While Wilderness Insurance may provide assistance in evaluating insurance options, information available through the Website should not be considered a substitute for reviewing the actual policy documents and disclosures applicable to your coverage.
If you have questions about a specific insurance policy, coverage determination, claim, premium, or underwriting decision, you should contact Wilderness Insurance or the applicable insurance company.
8. Privacy and Personal Information
Your use of the Website is also subject to our Privacy Policy, which explains how Wilderness Insurance collects, uses, protects, and discloses personal information.
Wilderness Insurance does not sell your personal information.
Information may be provided to insurance companies that you select or request for purposes of obtaining insurance quotes, processing applications, or securing insurance coverage.
For additional information, please review our Privacy Policy.
9. Text Messaging and Mobile Communications
If you provide your mobile telephone number and opt in to receive text messages from Wilderness Insurance, you agree to receive informational text messages (such as customer care notifications) from Wilderness Insurance. Message frequency may vary. Message and data rates may apply. For assistance, reply HELP or contact us at Team@WildernessInsurance.net. You may opt out at any time by replying STOP.
Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. This excludes text messaging opt-in data and consent, which will not be shared with any third parties.
Consent to receive text messages is not a condition of purchasing insurance or obtaining an insurance quote.
10. Third-Party Websites and Services
The Website may contain links to websites operated by insurance companies, service providers, or other third parties.
These third-party websites are not controlled by Wilderness Insurance. We are not responsible for the content, security, privacy practices, or terms and conditions of third-party websites.
Your use of third-party websites is subject to the terms and privacy policies of those websites.
11. Intellectual Property
Unless otherwise stated, the Website and its contents, including but not limited to:
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Logos
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Names
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Graphics
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Images
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Text
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Website design
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Content
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Page layouts
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Trademarks
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Service marks
are owned by or licensed to Wilderness Insurance and are protected by applicable intellectual property laws.
You may not reproduce, modify, distribute, publish, display, sell, or commercially exploit Website content without prior written permission from Wilderness Insurance.
12. Prohibited Activities
You may not use the Website to:
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Commit or facilitate fraud.
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Submit fraudulent insurance applications.
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Misrepresent your identity.
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Provide information belonging to another person without authorization.
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Attempt to interfere with Website security.
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Introduce viruses, malware, or other harmful code.
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Scrape or collect Website information through unauthorized automated means.
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Attempt to access restricted portions of the Website.
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Engage in any activity that could damage Wilderness Insurance, its customers, insurance partners, or the Website.
13. Disclaimer of Warranties
To the fullest extent permitted by applicable law, the Website and its content are provided on an "as is" and "as available" basis.
Wilderness Insurance does not guarantee that the Website will always be:
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Available;
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Error-free;
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Complete;
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Accurate;
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Secure; or
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Free from viruses or other harmful components.
Nothing in these Terms and Conditions is intended to exclude any rights or protections that cannot legally be excluded under applicable law.
14. Limitation of Liability
To the fullest extent permitted by applicable law, Wilderness Insurance shall not be liable for losses or damages arising from your use of, or inability to use, the Website, including losses resulting from:
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Website interruptions;
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Technical errors;
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Third-party websites;
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Internet or telecommunications failures;
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Inaccurate information supplied by a user;
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Insurance-company underwriting decisions;
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The denial of an insurance application;
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Changes in insurance rates or coverage;
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Failure to obtain insurance coverage; or
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Reliance upon general information presented on the Website.
This limitation does not apply to liability that cannot legally be limited or excluded under applicable law.
15. Indemnification
To the fullest extent permitted by law, you agree to indemnify and hold harmless Wilderness Insurance and its owners, employees, agents, representatives, and service providers from claims, losses, liabilities, damages, costs, and expenses arising from:
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Your violation of these Terms and Conditions;
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Your misuse of the Website;
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Information you knowingly or fraudulently submit through the Website; or
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Your violation of applicable law or the rights of another person or entity.
16. State-Specific Laws and Regulations
Wilderness Insurance provides insurance services in states in which it and its applicable insurance professionals are properly licensed and authorized to conduct insurance business.
Because insurance is regulated primarily at the state level, certain rights, obligations, disclosures, procedures, and requirements may vary depending upon the state in which you reside or where the insurance transaction takes place.
Nothing in these Terms and Conditions is intended to waive, limit, or supersede any rights or protections provided to you under applicable state or federal law.
If a provision of these Terms and Conditions conflicts with a mandatory requirement of applicable Oklahoma, Washington, federal, or other applicable law, the applicable law will control to the extent of the conflict.
Wilderness Insurance will comply with applicable insurance laws and regulations in each state in which it conducts business.
Washington, for example, requires appropriate insurance licensing for activities such as soliciting, selling, or negotiating insurance.
17. Changes to These Terms
Wilderness Insurance reserves the right to modify or update these Terms and Conditions at any time.
Changes become effective when posted to the Website unless otherwise stated.
Your continued use of the Website after changes are posted constitutes your acceptance of the revised Terms and Conditions.
We recommend periodically reviewing this page for updates.
18. Governing Law
These Terms and Conditions shall be interpreted and applied in accordance with applicable federal law and the laws of the state applicable to the particular insurance transaction, Website use, or dispute, including the laws of Oklahoma or Washington, as applicable.
Nothing in this provision is intended to deprive a consumer of rights or protections that cannot legally be waived under the laws applicable to that consumer or transaction.
Any dispute arising from your use of the Website or these Terms and Conditions shall be handled in accordance with applicable federal and state law.
19. Severability
If any provision of these Terms and Conditions is determined to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect to the extent permitted by law.
20. Entire Agreement
These Terms and Conditions, together with our Privacy Policy and any other legal notices posted on the Website, constitute the agreement between you and Wilderness Insurance regarding your use of the Website.
These Terms supersede prior communications or understandings regarding your use of the Website, except where a separate written agreement applies.
21. Contact Us
If you have questions regarding these Terms and Conditions, please contact us:
Wilderness Insurance
1601 Eucalyptus Ave. Ste. 200-H, Broken Arrow, OK 74012