Terms & Conditions

Acceptance Of These Terms

Using this website, submitting a quote request or creating an account confirms acceptance of the terms set out on this page. If any part of these terms is not acceptable, use of the website should stop.

Scope Of The Service

VincieState provides home insurance information, quote preparation and coverage guidance for residential property. Content published here explains how home cover works and helps compare options before a policy is chosen.

Material on this website is general in nature. Cover, limits and exclusions are governed entirely by the policy document issued by the insurer, and that document prevails wherever a difference appears.

Eligibility

Use of this website is limited to residents of the United States aged 18 or older who have the legal capacity to enter into an insurance contract. Quote requests must relate to a property in a location where cover can lawfully be arranged.

Account Responsibilities

An account holder is responsible for keeping login credentials private and for all activity carried out under those credentials.

• Choose a password that is not reused on other services.
• Report suspected unauthorised access without delay.
• Keep contact details current so policy notices reach the right place.
• Avoid sharing account access with anyone outside the household.

Accuracy Of Information

Quotes are built from the details supplied. Incorrect or incomplete property information can change a premium, alter a limit or affect how a claim is handled later. Every answer submitted should be accurate and complete to the best of the sender's knowledge.

Material changes to a property, such as a renovation, a new roof, an added structure or a change in occupancy, should be reported so the policy stays aligned with the risk.

Quotes And Coverage

A quote is an estimate based on the information available at the time it is prepared. It is not a binding offer of insurance and does not create cover.

Cover begins only when a policy is issued by the insurer, the premium requirement is met and the stated effective date has arrived. Underwriting review may adjust pricing or decline a risk after a quote is produced.

Electronic Communications

Submitting a form through this website constitutes consent to receive communications electronically, including quote details, service notices and policy documents. Consent choices selected during signup determine whether service or marketing text messages are sent.

Message frequency varies and standard message and data rates may apply. Replying STOP ends text messages and replying HELP requests support.

Acceptable Use

This website is provided for genuine home insurance enquiries. The following activities are not permitted.

• Submitting false, misleading or fraudulent information.
• Attempting to access accounts, data or systems without authorisation.
• Using automated tools to scrape, copy or overload the website.
• Interfering with security features or introducing harmful code.
• Reproducing content for commercial use without written permission.

Intellectual Property

Text, layout, graphics, logos and code on this website are protected by intellectual property law and remain the property of VincieState or its licensors. Personal, non commercial viewing is permitted. Copying, republishing or redistributing material without written consent is not.

Third Party Links

Links to carriers, regulators or reference material may appear on this website. Those destinations are operated independently, and no responsibility is taken for their content, availability or practices. Reviewing the terms of any external site before using it is recommended.

Disclaimers

This website is provided on an as available basis. Reasonable care is taken to keep content accurate and current, though no warranty is given that every detail is free from error or that access will be uninterrupted.

Nothing published here is legal, financial or tax advice. Decisions about cover should be made after reading the policy document issued by the insurer.

Limitation Of Liability

To the fullest extent permitted by law, liability is excluded for indirect, incidental or consequential loss arising from use of this website, including lost data, lost profit or business interruption. Nothing in these terms limits liability that cannot lawfully be limited.

Arbitration And Governing Law

These terms are governed by the laws of the State of Maine. Disputes that cannot be settled informally are resolved by binding individual arbitration rather than in court, and claims may not be brought on a class or representative basis.

Changes To These Terms

These terms may be revised to reflect changes in services, technology or legal requirements. The revision date shown at the top of this page indicates when the current version took effect. Continued use of the website after an update means the revised terms apply.

Contact Details

Questions about these terms can be sent using the details below.

• Phone: +1 (207) 813-3587
• Email: pedro-vinci@vinciestate.com
• Address: 417 Main St Bangor ME 04401