Terms of Use

Effective: March 2026

These Terms of Use govern access to and use of karenshields.com, operated by KarenShields Auto Insurance. Accessing this website constitutes agreement to these terms in full. KarenShields Auto Insurance reserves the right to update or modify these terms at any time without prior notice. The effective date at the top of this page reflects when the most recent revision was made. Continued use of this website after any changes are posted constitutes acceptance of the revised terms.

This website is intended for informational purposes related to auto insurance guidance. Visitors may browse content, submit quote requests, and use contact forms for legitimate purposes only. Any use of this website for unlawful purposes, unauthorized data collection, system interference, or activities that could damage or impair the website's functionality is strictly prohibited. KarenShields Auto Insurance may terminate or restrict access at any time for violations of these terms or for any other reason at its discretion.

All content published on this website, including text, images, graphics, logos, and design elements, is the property of KarenShields Auto Insurance or its content licensors and is protected by applicable intellectual property laws. Visitors may not reproduce, distribute, modify, display, or use any content from this website for commercial purposes without prior written permission. Limited personal and non-commercial use is permitted provided that all proprietary notices remain intact.

This website is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. KarenShields Auto Insurance makes no representations or warranties regarding the accuracy, completeness, or reliability of any content on this website. Insurance information provided is for general guidance only and does not constitute professional insurance advice. Visitors should consult a licensed insurance professional for advice specific to their situation.

To the fullest extent permitted by applicable law, KarenShields Auto Insurance shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from the use of or inability to use this website or its content. This includes but is not limited to damages for loss of data, lost profits, or business interruption, even if KarenShields Auto Insurance has been advised of the possibility of such damages. Total liability for any claim arising from use of this website shall not exceed the amount paid, if any, by the visitor in connection with the services in question.

This website may contain links to external websites operated by third parties. These links are provided as a convenience and do not signify endorsement of or responsibility for the linked sites, their content, or their operators. KarenShields Auto Insurance has no control over third-party websites and assumes no liability for their content or privacy practices. Visitors access linked websites at their own risk and are encouraged to review the terms and privacy policies of any external sites they visit.

These Terms of Use shall be governed by and construed in accordance with the laws of the state in which KarenShields Auto Insurance operates, without regard to conflict of law provisions. Any disputes arising in connection with these terms or use of this website shall be resolved through binding arbitration rather than in court, except where applicable law prohibits such a requirement. By using this website, visitors waive the right to a jury trial or to participate in a class action lawsuit in connection with any claims against KarenShields Auto Insurance.

Questions regarding these Terms of Use may be directed to KarenShields Auto Insurance at karen@karenshields.com or by phone at +1 (719) 867-5196. Our office is located at 1745 Shea Center Drive, 4th Floor, Highlands Ranch CO 80129.