Legal · disclosures
Disclosures.
Effective July 11, 2026
Here's the deal, in one place: what we are, what we're not, how we get paid, and where our numbers come from. If you only read one legal page on this site, read this one.
1. We are not a licensed insurance agent
ClearValue Insurance is an independent education and comparison publisher. We are not a licensed insurance agent, broker, producer, or carrier. We do not sell, solicit, quote, bind, issue, underwrite, or service insurance, and we do not give personalized insurance advice. Everything here is general education. Coverage, eligibility, premiums, and terms are set solely by the insurer, and any policy you buy is between you and a licensed agent or carrier.
2. Advertising & affiliate relationships
We may earn money through advertising and referral arrangements. In plain terms: if you click a link to an advertiser, insurer, licensed agent, or comparison partner and then take an action there, we may be paid a fee or commission. This is standard affiliate advertising, and we disclose it consistent with the U.S. Federal Trade Commission’s Endorsement Guides (16 CFR Part 255).
Where a specific link or placement is paid, we disclose it on the page where it appears. Not every link is paid, and a paid link never costs you anything extra.
The rule that matters most
What we get paid never moves a ranking.
The people who explain and compare coverage do not answer to the people who handle advertising or referral revenue. Advertisers and referral partners do not preview our comparisons, buy placement, or decide what we cover. Our comparisons come from a published standard applied the same way to every option. If the option that fits you better pays us less, it still wins.
3. Where our numbers come from
Every figure we publish ties back to a named, dated public source — for example the National Association of Insurance Commissioners (NAIC), the Insurance Information Institute (III), a state department of insurance, the Federal Reserve, or the U.S. Bureau of Labor Statistics (BLS). We describe the market, not a quote for you. We do not print unsourced averages, we do not promise savings, and we do not invent ratings — any rating we reference is attributed to the third party that issued it, by name and date.
4. No guarantee of outcome
Insurance products, prices, and availability change constantly and vary by insurer, state, and your own circumstances. We work to keep our education accurate and current, but we don’t guarantee that any figure, feature, or availability is complete or up to date at the moment you read it. Always verify the specifics directly with a licensed agent or the insurer before you act.