Last updated: February 10, 2026
This Content Disclaimer applies specifically to MyInsuranceCosts (the “Service”), owned and operated by JQC Labs.
This Content Disclaimer governs use of the Service and takes precedence over any general content disclaimers published by JQC Labs with respect to MyInsuranceCosts.
By accessing or using the Service, you acknowledge and agree to the terms of this Content Disclaimer.
1. Informational and Educational Purposes Only
All information, content, tools, calculators, estimators, simulations, scenario models, articles, and generated outputs made available through the Service (collectively, “Content”) are provided for general informational and educational purposes only.
The Content is not intended to be, and must not be construed as, professional advice or a substitute for professional judgment.
2. No Professional Advice
The Service does not provide insurance advice, financial advice, legal advice, tax advice, medical advice, or healthcare advice.
Without limiting the foregoing, Content provided through the Service does not constitute advice regarding:
- Selection, purchase, or suitability of any insurance policy or coverage
- Insurance premiums, deductibles, limits, or coverage terms
- Eligibility, underwriting, approval, or denial of insurance coverage
- Whether to file, pursue, or avoid an insurance claim
- Financial planning, tax treatment, or legal obligations
- Medical diagnoses, treatments, or healthcare decisions
You should consult qualified professionals familiar with your specific circumstances before making decisions based on any Content obtained through the Service.
3. Not an Insurer, Broker, or Claims Administrator
MyInsuranceCosts is not an insurance company, insurance agency, insurance broker, claims administrator, or underwriting entity.
The Service does not:
- Provide insurance quotes or sell insurance policies
- Recommend specific insurers, plans, or coverage options
- Make coverage, underwriting, eligibility, or pricing determinations
- Approve, deny, manage, or evaluate insurance claims
4. Tools, Calculators, and Automated Outputs
The Service may include calculators, estimators, simulators, scenario models, or other automated tools.
All outputs generated by such tools are hypothetical, illustrative, and educational only. Outputs are based on generalized assumptions, simplified models, and user-provided inputs and are not predictions of actual insurance outcomes.
Results may vary significantly based on individual circumstances, insurer practices, policy terms, and real-world conditions.
JQC Labs makes no representations or warranties regarding the accuracy, completeness, reliability, or applicability of any calculations, projections, assumptions, or outputs produced by the Service.
5. User Inputs and Assumptions
You are solely responsible for the accuracy, completeness, and reasonableness of any information you input into the Service.
The Service does not verify user inputs, and inaccurate, incomplete, or unrealistic inputs will materially affect outputs. JQC Labs assumes no responsibility for decisions or actions taken based on user-provided data.
6. Accuracy, Assumptions, and No Duty to Update
Content provided through the Service may become outdated, incomplete, or inaccurate due to changes in laws, regulations, insurance practices, healthcare systems, insurer policies, or industry standards.
JQC Labs has no obligation to update, revise, or correct any Content and expressly disclaims liability for errors, omissions, inaccuracies, or reliance on outdated information to the maximum extent permitted by law.
7. Health Insurance and Medical Limitations
The Service does not collect, evaluate, or process medical records, diagnoses, treatments, or protected health information (PHI).
Any health insurance–related scenarios, cost examples, or usage illustrations are hypothetical and do not assess medical necessity, clinical outcomes, or healthcare decisions.
8. Third-Party Data, Models, and Sources
The Service may reference or rely on generalized industry concepts, publicly available information, third-party methodologies, or external data sources.
JQC Labs does not control and is not responsible for the accuracy, availability, reliability, or continued validity of third-party data, models, assumptions, or methodologies.
9. Advertising, Affiliate Content, and Monetization
The Service may include advertising, sponsored content, or affiliate-based content. Monetization methods may change over time.
Advertising or affiliate relationships do not constitute endorsements, recommendations, or guarantees regarding any third-party products or services referenced on the Service.
10. No Reliance; Use at Your Own Risk
You acknowledge that your use of the Service and reliance on any Content is at your own risk.
You agree not to rely on the Content as the sole basis for making insurance, financial, legal, medical, or other significant decisions.
11. Limitation of Liability
This Content Disclaimer is subject to and governed by the Terms and Conditions applicable to MyInsuranceCosts.
To the maximum extent permitted by applicable law, JQC Labs disclaims all liability arising from or related to the use of or reliance on the Content, tools, calculators, or outputs provided through the Service.
12. Changes to This Content Disclaimer
JQC Labs reserves the right to modify or update this Content Disclaimer at any time. Changes will be effective when posted. Continued use of the Service after changes take effect constitutes acceptance of the revised Content Disclaimer.
13. Contact Information
If you have any questions regarding this Content Disclaimer, you may contact JQC Labs at:
- Email: legal@jqclabs.com