Terms & Conditions

Last Updated: February 26, 2026

Please read these Terms and Conditions ("Terms") carefully before using the XWarranties website and services. By accessing or using our services, you agree to be bound by these Terms.

1. About Our Service

XWarranties operates as a referral service that connects consumers seeking warranty coverage with warranty service providers. We are not a warranty provider ourselves and do not issue or administer warranty contracts. Our partner providers offer free quotes to consumers we refer to them.

2. Use of Service

By using our website, you agree to:

• Provide accurate and complete information when requesting quotes
• Be at least 18 years of age
• Use the service for lawful purposes only
• Not attempt to interfere with or disrupt our services

3. Quote Requests and Referrals

When you submit a quote request through our website:

• Your information will be shared with our partner warranty providers
• Partner providers will provide you with free quotes at no obligation
• We do not guarantee that you will receive quotes or coverage approval
• Quotes provided by partner providers are not offers from XWarranties
• Final pricing and coverage terms are determined solely by the warranty provider

4. Free Service

The XWarranties referral service is free to consumers. We refer you to partner providers who provide free quotes. You are under no obligation to purchase any warranty coverage. If you choose to purchase coverage, any payments are made directly to the warranty provider, not to XWarranties.

5. No Warranty Provider Relationship

XWarranties is not affiliated with, endorsed by, or acting on behalf of any specific warranty provider. We maintain relationships with multiple providers to offer you comparison options. Any warranty contract you purchase will be directly between you and the provider.

6. Disclaimer of Warranties

Our service is provided "as is" without warranties of any kind, either express or implied. We do not guarantee:

• That you will receive quotes from warranty providers
• The accuracy of information provided by third-party providers
• That our service will be uninterrupted or error-free
• The quality or availability of warranty coverage from providers

7. Limitation of Liability

XWarranties shall not be liable for any damages arising from:

• Your use or inability to use our services
• Actions or omissions of warranty providers
• Any warranty contracts you enter into with providers
• Unauthorized access to your information

8. Third-Party Services

Our website may contain links to third-party websites or integrate with third-party services. We are not responsible for the content, practices, or terms of these external services. Your interactions with warranty providers and other third parties are solely between you and them.

9. Intellectual Property

All content on the XWarranties website, including text, graphics, logos, and software, is our property or licensed to us and is protected by copyright and other intellectual property laws.

10. User Conduct

You agree not to:

• Provide false or misleading information
• Use automated systems to access our services
• Attempt to gain unauthorized access to our systems
• Use our service to spam or harass others

11. Privacy

Your use of our services is also governed by our Privacy Policy. Please review our Privacy Policy to understand how we collect and use your information.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of significant changes by posting the updated Terms on our website with a new "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the modified Terms.

13. Termination

We reserve the right to refuse service or terminate access to our website at any time, for any reason, without notice.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Missouri, without regard to its conflict of law provisions.

15. Dispute Resolution

Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

16. Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and XWarranties regarding the use of our services.