Terms of Use

Acceptance of these terms

These terms govern the use of the ValoraWheels website and every form, page and feature offered on it. Continued use of the site is taken as acceptance of the terms set out below.

Anyone who does not accept these terms should stop using the site. Use of the site by a person under the age of eighteen is not permitted.

What this website provides

ValoraWheels publishes general educational reading about auto insurance and accepts requests for coverage information. The material on the site describes how the common parts of an auto policy work in broad terms.

Nothing published here is a binding quote, an offer of insurance, a policy, or a promise that any particular coverage will be available or issued. Only the documents supplied by a licensed insurer create coverage.

Information you submit

Forms on this site collect details in order to prepare and discuss coverage options. By submitting a form you agree that:

• The information you provide is accurate, current and complete to the best of your knowledge.
• You are the person named in the submission, or are authorized to submit on that person's behalf.
• You will update any detail that changes while a request is still open.
• You accept that inaccurate information can affect what coverage may be offered.

Account registration

Where the site offers an account, you are responsible for keeping the password confidential and for everything that happens under that login. Any suspected misuse of an account should be reported to the address listed at the end of these terms.

An account may be suspended or closed where the site is used in a way that breaks these terms or interferes with other users.

Electronic communications

Submitting a form on this site is a request to be contacted about it. Communications may arrive by email, by text message or by telephone using the details supplied, and consent given on a signup form covers the categories described in the consent text on that form.

Marketing text messages can be stopped at any time by replying STOP. Replying HELP returns assistance information. Standard message and data rates may apply, and frequency may vary.

Acceptable use

The site must be used lawfully and reasonably. The following are not permitted:

• Submitting false, misleading or fraudulent information through any form.
• Copying, republishing or reselling material from the site for commercial gain.
• Attempting to gain access to restricted areas, accounts or underlying systems.
• Introducing malicious code or interfering with the normal operation of the site.
• Using automated tools to scrape, harvest or overload any part of the site.

Intellectual property

The text, layout, graphics, logo and arrangement of this site belong to ValoraWheels or are used with permission. They may be read and shared for personal, non commercial purposes with attribution left intact.

No part of the site may be reproduced within a commercial product or presented as the work of another party without written permission.

Third party links and insurers

The site may link to insurers, regulators or other external resources. Those destinations are controlled by other parties and have their own terms and privacy practices.

ValoraWheels does not control and is not responsible for the content, availability or practices of any external site, and a link is not an endorsement of everything found there.

No professional advice

The reading published here is general in nature and does not account for any individual financial position, legal situation or state requirement. It is not legal, financial or tax advice.

Coverage rules differ from state to state and change over time. Decisions about a policy should be confirmed against the actual policy wording and, where appropriate, with a licensed professional in the relevant state.

Disclaimers and limitation of liability

The site is provided on an as available basis. While the material is prepared with care, no warranty is given that every page is complete, current or free of error at all times.

To the fullest extent permitted by law, ValoraWheels is not liable for any indirect or consequential loss arising from use of this site, from reliance on the material published here, or from any interruption to the service.

Changes to the site and to these terms

Pages, features and forms may be added, altered or withdrawn without notice. These terms may also be revised, and the revised version applies from the moment it is published on this page.

The date shown at the top of this page indicates when the terms were last reviewed. Continued use of the site after a revision is taken as acceptance of the revised terms.

Governing law and contact

These terms are governed by the laws of the Commonwealth of Pennsylvania, without regard to conflict of law principles. Any dispute connected with the site or these terms is subject to the courts of that jurisdiction.

Questions about these terms can be sent to ruth.k@valorawheels.com, by phone on +1 (570) 565 1767, or by post to 711 Davis St Scranton PA 18505.