📄 Terms & Conditions

Effective Date: [Insert Date]
Welcome to ZKRK.shop, your online resource for comparing and learning about insurance products. By using our website, you agree to the terms outlined below. Please read these Terms and Conditions (“Terms”) carefully before accessing or using any part of our website or services.

If you do not agree with any part of these Terms, you must not use our website.

1. Acceptance of Terms

By using ZKRK.shop, you agree to be bound by these Terms and Conditions, along with our [Privacy Policy], whether you are a visitor, registered user, or subscriber. These terms apply to all users of the website.

2. About ZKRK.shop

ZKRK.shop is an informational platform that provides content and tools related to various insurance products, including auto, home, health, travel, and life insurance. We may:

Offer educational content and articles
Provide access to third-party quote tools
Recommend or link to licensed insurance providers

Note: We are not a licensed insurance company or agent, and we do not underwrite or sell insurance policies directly.

3. Use of Our Website

You agree to use our site only for lawful purposes. By accessing ZKRK.shop, you agree that you will not:

Use the website for fraudulent purposes
Submit false or misleading information
Copy, scrape, or redistribute our content without permission
Attempt to interfere with the functionality of the site or its servers

You are responsible for maintaining the confidentiality of your personal data when using forms or tools on the site.

4. Insurance Quotes & Third-Party Services

ZKRK.shop may feature links to external websites, quote tools, and partner offers. These are operated by third-party licensed insurance providers or affiliates. When you click these links or submit your information:

You are subject to that third party’s terms, policies, and disclosures
We are not responsible for the accuracy of quotes or the final pricing from third parties
We may earn a referral commission if you purchase a policy through a partner

We make every effort to work with reputable partners, but we do not guarantee any outcome or offer.

5. Content Accuracy and Changes

We strive to ensure the accuracy of all content, tools, and information on ZKRK.shop. However:

Insurance laws and policies vary by state, provider, and customer profile
Information may change over time without notice
You should always consult directly with a licensed insurance professional before making financial decisions

We reserve the right to modify or remove content at any time for any reason.

6. Intellectual Property

All content on this site — including text, graphics, branding, tools, and layout — is owned by or licensed to ZKRK.shop and is protected under applicable intellectual property laws. You may not reproduce, reuse, or modify any material without our written permission.

7. Limitation of Liability

To the maximum extent permitted by law, ZKRK.shop shall not be liable for:

Any loss or damage arising from the use of or inability to use this website
Decisions made based on information or recommendations on this website
Actions or errors by third-party insurance providers linked through our site

All use of the site and its content is at your own risk.

8. Indemnification

You agree to indemnify and hold harmless ZKRK.shop, its affiliates, and partners from any claims, damages, or losses resulting from:

Your use of the website
Your violation of these Terms
Any actions taken based on information provided on this site

9. Privacy and Data Protection

We value your privacy. All information collected through forms or tools is subject to our [Privacy Policy]. We do not sell personal information, and we take security seriously when transmitting data to partners.

10. Governing Law

These Terms shall be governed by and interpreted in accordance with the laws of [Insert Your Country or State], without regard to its conflict of law principles. Any disputes will be resolved in the appropriate courts of that jurisdiction.

11. Changes to These Terms

We may update these Terms at any time without prior notice. Changes will be posted here, and your continued use of the site means you accept the updated terms.