Terms & Conditions

01Acceptance of these terms

These Terms & Conditions ("Terms") are a binding agreement between you and Crankova, a brand of The Nelson M Group LLC ("Crankova," "we," "us"). They govern your use of crankova.com and related services, including email and text-message programs (the "Services"). By using the Services or submitting a form, you agree to these Terms, our Privacy Policy, and, if you opt in to texts, our SMS Terms. Anyone who does not agree to these Terms must stop using the Services.

02What Crankova is, and is not

Crankova is an information service. We publish general, plain-language details about how insurance works, how to read a policy, and what tends to affect insurance costs, and let visitors opt in to related updates. We will not sell insurance, give quotes, rates, or price estimates, match people with agents or insurers, or refer people to providers, and we do not share your details with agents, insurers, or other partners.

• Decisions about your insurance are yours. Reading our content does not obligate you to do anything.
• Your own insurer or agent, not Crankova, explains the terms, limits, exclusions, and costs of any policy, and is responsible for your coverage.
• Costs, coverage, and savings vary by person, plan, and location. We do not guarantee that you will save any amount, qualify for any coverage or discount, or get any particular result.

03Eligibility

The Services are open to people who are at least 18, are located in the United States, and can legally enter a binding contract. Please submit details only about yourself, or about another person who has authorized you to share them.

04Your information and accuracy

You are responsible for supplying accurate, current information and for updating it when it changes. Only a mobile number you own or are authorized to use may be provided. If your number changes or is reassigned, please reply STOP from the old number or contact us so that we do not message someone else.

05Communications and text-message consent

If you choose to opt in, you consent to being contacted by email and, if you tick the boxes that apply, by automated text messages as set out in the SMS Terms. Consent to texts is optional, is not a condition of purchase or of using the Services, and may be withdrawn at any time by replying STOP. Message frequency varies. Message and data rates may apply. Reply HELP for help.

06Text messaging: rates, frequency, STOP and HELP

Message and data rates may apply. Message frequency may vary (up to about 8 messages a month, depending on the topics you choose). Text START to join, or opt in with the form on our Get Started or text updates page. Consent is not a condition of purchase or of using the Services.

• STOP: Reply STOP to any message to opt out (STOPALL, UNSUBSCRIBE, CANCEL, END and QUIT also work). You will get one confirmation text and then no more messages.
• HELP: Reply HELP to any message for help, or contact us by email at [email protected] or by phone at 877-270-1099.

Mobile information and opt-in data are not sold or shared with third parties or affiliates for marketing or promotional purposes. See the Privacy Policy and SMS Terms.

07Acceptable use

The following are prohibited: (a) submitting false or misleading information, or information about someone else without authority; (b) unlawful, fraudulent, or abusive use of the Services; (c) disrupting the Services or attempting unauthorized access; (d) using bots or automation to submit forms; (e) copying, scraping, or reselling our content without permission; and (f) impersonating a person or entity. Breaking these rules may lead us to suspend or end your access.

08Third-party organizations and links

Organizations, programs, and products mentioned on or linked from the Services (say state insurance departments, consumer groups, or insurers) are managed by third parties, not by us. We never recommend any product, plan, or provider, and we are not answerable for their conduct, content, or results. Your relationship with an insurer or agent is between you and them.

09Intellectual property

The Services, such as the Crankova name, logo, text, graphics, and design, are the property of us or our licensors, protected under intellectual property laws. We license you, on a limited, revocable, non-exclusive, non-transferable basis, to view and use the Services for personal and non-commercial purposes only. Each photograph on the Site is used under its free-use license.

10Disclaimers

Services and content are delivered "as is" and "as available," and we disclaim every express or implied warranty, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. Uninterrupted, error-free, or secure service is not warranted, and neither is the delivery or timeliness of any message.

Crankova does not offer insurance, legal, or financial advice, and makes no representation about any policy, coverage, price, savings amount, or claim outcome.

11Limitation of liability

Where the law permits, Crankova and The Nelson M Group LLC, and their members, managers, officers, employees, and agents, will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, data, or goodwill, arising from or related to your use of (or inability to use) the services, or from any insurance decision you make or do not make. Our total liability for any claim relating to the services will not exceed one hundred U.S. dollars ($100).

Some of the limits above may be unenforceable where you live, since some jurisdictions disallow certain limitations. Liability that cannot be limited by law is not limited by these Terms.

12Indemnification

You agree to indemnify and hold harmless The Nelson M Group LLC and its affiliates and personnel from claims, damages, and expenses (such as reasonable attorneys' fees) arising from your violation of these Terms, your misuse of the Services, or your provision of a phone number or other information that you were not authorized to offer.

13Disputes, governing law, and arbitration

Informal resolution first. Please let us know about any problem first, at [email protected] and allow us 30 days to try to resolve it before you file a claim.

Binding arbitration. Except where a matter belongs in small claims or involves injunctive relief for intellectual-property misuse, you and Crankova or The Nelson M Group LLC agree that any dispute arising out of or relating to these Terms or the Services will be decided by final, binding, individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, held in your county of residence or by video or phone, as you choose. The arbitrator may award the same individual relief as a court, and judgment might be entered in any court of competent jurisdiction.

Class-action waiver. To the extent permitted by law, you and Crankova each agree to bring claims only on an individual basis and not as a plaintiff or class member in any class, collective, or representative action.

Opt-out. You have 30 days after first accepting these Terms to opt out of arbitration, which you do by emailing [email protected] using the subject line "Arbitration Opt-Out" and giving your name and mobile number.

Governing law. Governing law: the Federal Arbitration Act and the laws of the state in which The Nelson M Group LLC has its principal place of business, without regard to conflict-of-law rules. Except as the arbitration clause provides, exclusive jurisdiction lies with the state and federal courts located in that state.

14Termination

You may stop using the Services at any time, and may opt out of messages by replying STOP. Access may be suspended or terminated by us at our discretion, for example for violations of these Terms. Sections that by nature are intended to survive, including disclaimers, limitation of liability, indemnification, and disputes, remain in force after termination.

15Changes

From time to time we may update these Terms and will post the update with a new "Last updated" date. By continuing to use the Services after the effective date you accept the updated Terms. Notice of material changes will be provided where required by law.

16General

Together with the Privacy Policy and SMS Terms, these Terms are our entire agreement with you on this subject. If a part is held unenforceable, the remainder stays in effect. Not enforcing a provision does not waive it. You cannot assign these Terms without our consent, but we may assign them as part of a merger or sale of the business.

17Contact us

Questions about these Terms? You can reach us by mail, email, phone, our online contact form, or by replying HELP to any text: