Terms of Service

Effective Date: September 29, 2026
Last Updated: October 6, 2026

These Terms govern your use of criticfarm.com and everything on it — articles, state guides, insurer reviews, calculators, the matching quiz, and the community (together, the “Services”), operated by Critic Farm.

By using the Services, you agree to these Terms. If you do not agree, please do not use them.

1. What the Services are

Critic Farm publishes educational content about car insurance, scores insurers against a published method, offers free calculators, and runs a matching quiz that collects what you are looking for in a policy.

Critic Farm is not an insurance company, insurance agent, or insurance broker. We do not sell, underwrite, or bind insurance, and we are not your agent in any insurance transaction.

Our Disclaimer and Advertiser & Data Disclosure form part of these Terms.

2. Eligibility

You must be at least 18 and able to enter a binding contract. Information you submit must be your own and must be accurate.

3. The matching quiz

By submitting the quiz you acknowledge that:

• Your answers are stored by Critic Farm and reviewed by our team so we can respond to your enquiry.
• We do not currently pass your submission to insurance carriers, agents, brokers, or affiliate partners. If that ever changes, we will tell you on the form before you submit, and the change will not be applied to anything submitted beforehand.
• Submitting the quiz does not oblige you to buy anything, does not guarantee a quote, and does not mean you qualify for coverage.
• If you give a phone number and tick the consent box, you agree to be contacted on it by Critic Farm, as set out in the Advertiser & Data Disclosure. You can withdraw that at any time.

4. No insurance, financial, or legal advice

Everything on the Services is general information and education only. It is not insurance, financial, or legal advice, and it is not a recommendation that any particular policy is right for you.

Coverage figures, premium ranges, and calculator outputs are estimates for illustration. They are not quotes and not a guarantee of any rate, term, or eligibility. State rules change, and while we date our sources and review our guides, you should confirm anything that matters with the insurer or your state’s insurance department before you rely on it.

5. Your use of the Services

You agree not to:

• submit false or misleading information, or someone else’s information without their authority;
• use the Services unlawfully or in breach of these Terms;
• interfere with, disrupt, or try to gain unauthorised access to the Services or the systems behind them;
• scrape, harvest, or bulk-extract content from the Services without our written permission; or
• impersonate anyone or misrepresent your affiliation with them.

6. Our content

The articles, guides, reviews, scores, charts, calculators, design, and code on the Services are owned by or licensed to Critic Farm and protected by copyright and trademark law.

You may read, print, and share our pages for your own personal use, and you may quote us — briefly, accurately, and with a link back. You may not republish a whole article, present our work as your own, or use our scores or guides in a commercial product without our written permission. Insurer names and logos referred to in our reviews belong to their respective owners and are used only to identify the companies we write about.

7. Anything you send us

If you send us a correction, a question, a tip, a review of your own insurer, or any other material — by the contact form, by email, or otherwise — you keep ownership of it. You give us permission to use it for the purpose you sent it for, including publishing it or quoting from it in our editorial work, in whole or in part, with light editing for length and clarity.

We will not publish your name, your email address, or any other identifying detail without asking you first. If you send us something and would rather it stayed private, say so and we will treat it that way. If you have already sent us something and want it removed, contact us and we will remove it.

Do not send us anything confidential, anything belonging to someone else, or anything you are not free to share.

8. The community

The community at /community lets you open an account and post stories, comments and votes that other people can read. These terms apply to it on top of the rest of this page, together with our Community Guidelines.

• Your account. You must be 18 or older, use one account, and keep your password to yourself. You are responsible for what is posted from your account.
• What you post stays yours. You keep ownership of everything you post. By posting it you give Critic Farm a non-exclusive, worldwide, royalty-free licence to host, display, reproduce and distribute it on and from the Services (including in share previews and in our own social posts that link back to it, credited to your username), and to keep it in moderation records. The licence ends when you delete the post or your account, except for copies in backups and records we are required to keep.
• You are responsible for what you post. Post only your own experiences and honest opinions, nothing you do not have the right to share, and nothing that breaks the Community Guidelines or the law. Stories in the community are members’ views, not Critic Farm’s, and we do not check them before they appear.
• Moderation. We may remove anything that breaks the Community Guidelines, and suspend or ban accounts that do. We do not remove posts because they are negative about a company or because a company asks us to. Every removal is listed, with its reason, in the public moderation log. If you think a decision was wrong, contact us.
• Levels, and the points behind them, have no cash value, cannot be exchanged or transferred, and may be adjusted if they were earned by breaking the rules. The points are private: only Critic Farm staff see them. We may change how levels are worked out and what they are called.
• Leaving. You can delete your account at any time from your account settings, and choose whether your posts are erased or stay up under “[deleted]”.

9. Third-party links

We link out to insurers, regulators, state departments, and primary sources. We do not control those sites and are not responsible for their content or their practices. A link is not an endorsement, and any dealing you have with a third party is between you and them.

10. No warranties

The Services and all content, tools, and calculator results are provided “as is” and “as available”, without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy. We do not warrant that any estimate or figure shown will match a quote, premium, or coverage you are actually offered, or that you will be eligible for any product we discuss.

11. Limitation of liability

To the fullest extent permitted by law, Critic Farm and its people will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any lost profits or revenue, arising out of your use of the Services, any content or estimate on them, or any dealing with a third party you found through them. Our total liability for any claim relating to these Terms or the Services will not exceed one hundred US dollars ($100).

Some states do not allow certain exclusions or limitations, so parts of this section may not apply to you. Nothing in these Terms removes any right you have under consumer protection law that cannot be waived.

12. Indemnity

You agree to cover our reasonable costs, including legal fees, if a third party brings a claim against us because of your use of the Services, your breach of these Terms, or your infringement of someone’s rights.

13. Disputes

If something goes wrong, tell us first. Most problems are quicker to fix directly than through any formal process, and we would rather fix them. Write to the address at the end of this page and we will respond.

These Terms are governed by the law of the state in which Critic Farm is established, without regard to conflict-of-laws rules, and nothing here limits your right to bring a claim in your local small claims court or to complain to a regulator in your own state.

We have deliberately not included a mandatory arbitration clause or a class-action waiver. If we ever add one, we will publish it here first, with a clear opt-out and notice before it takes effect.

14. Changes

We may change the Services or these Terms. An updated version will be posted here with a new “Last Updated” date. If a change materially affects your rights, we will make that clear rather than relying on you noticing the date.

15. Severability and whole agreement

If any part of these Terms is unenforceable, the rest continues to apply. These Terms, together with the Privacy Policy, Community Guidelines, Disclaimer, Advertiser & Data Disclosure, and Cookie Policy, are the whole agreement between you and Critic Farm about the Services.

16. Contact us