Last updated: March 2026
These Terms and Conditions govern your use of Badl.shop (“the Site”). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree with any part of these Terms, please do not use the Site.
About the Site
Badl.shop is an independent informational website about insurance. It publishes guides, explainers, comparisons, and calculators about life, health, car, home, travel, pet, and business insurance. The Site is provided free of charge to readers, and is supported in part by advertising.
The Site is not an insurance company, broker, agent, or advisor, and it does not sell insurance or arrange cover. All content is for general education only.
Acceptance and eligibility
You must be at least 18 years old, or have the permission of a parent or guardian, to use this Site. By using the Site, you confirm that you meet this requirement and that you will use the Site only for lawful purposes and in accordance with these Terms.
We may change, suspend, or discontinue any part of the Site at any time, without prior notice, for maintenance, security, or business reasons. We may also update these Terms at any time, and continued use of the Site after an update means you accept the updated Terms.
Informational use only
All content on Badl.shop, including articles, guides, examples, tables, and calculator results, is general information only. It is not insurance, financial, legal, tax, medical, or professional advice, and it is not a substitute for reading your actual policy wording or for advice from a licensed professional.
Insurance products, prices, exclusions, and claim rules vary widely by insurer, policy, country, state, and personal circumstances. A guide that describes a general concept may not reflect the exact terms of your policy. Always verify important details with your insurer before buying, renewing, cancelling, or changing a policy, and before relying on any information to make a claim or financial decision.
Calculators and estimates
Calculators and tools on Badl.shop provide estimates for planning and learning only. They are based on general assumptions and on the information you enter, and they do not take account of all factors an insurer would consider, such as your full history, risk profile, location, or underwriting rules.
Calculator results are not quotes, offers, approvals, or guarantees of price, cover, or claim outcome. Actual premiums and cover can only be confirmed by an insurer after a full application and assessment. Do not treat a calculator result as a final price or as a promise that you will be accepted for cover.
Accuracy and updates
We work hard to keep content accurate, clear, and up to date, but we cannot guarantee that all information is complete, current, or free from error. Insurance rules and products change frequently, and information that was correct when published may later become outdated. We may update content without notice, and the date on a page indicates when it was last reviewed, not that every detail has been re-verified on that date.
If you find an error or outdated information, please tell us through our Contact page so we can review and correct it.
Intellectual property
All content on Badl.shop, including text, headings, design, layout, calculators, and graphics, is owned by Badl.shop or its licensors, and is protected by intellectual property laws, unless stated otherwise.
You may read, print, and share our content for personal, non-commercial use, provided you give credit to Badl.shop and link back to the original page. You may not copy, reproduce, republish, distribute, sell, or create derivative works from our content for commercial purposes without our prior written permission. You may quote brief extracts for review or commentary, with proper attribution.
Acceptable use
You agree not to use the Site to engage in any unlawful, harmful, or disruptive activity. This includes, without limitation: attempting to hack, overload, or damage the Site; introducing viruses or malicious code; scraping content in bulk without permission; impersonating Badl.shop or its authors; submitting false, misleading, or abusive messages; or using the Site to collect personal information about others.
We reserve the right to block access, remove content, or take other action if we reasonably believe you have breached these Terms.
Third-party links and advertising
The Site may contain links to third-party websites and advertisements from third parties, including through advertising networks such as Google AdSense. These links and ads are provided for convenience and information only. We do not control, endorse, approve, or guarantee any third-party product, service, website, or claim.
Your dealings with third parties, including any purchase, policy, or claim, are solely between you and that third party. Badl.shop is not responsible for any loss, damage, or dispute arising from third-party websites, products, or services.
Limitation of liability
To the fullest extent permitted by applicable law, Badl.shop, its owners, authors, and contributors are not liable for any direct, indirect, incidental, consequential, or special loss or damage arising from your use of, or reliance on, the Site, its content, its calculators, or any linked website. This includes, without limitation, loss arising from a policy decision, a claim outcome, a premium change, or a failure to obtain cover.
Nothing in these Terms limits liability that cannot be limited by law.
Indemnity
You agree to indemnify and hold harmless Badl.shop and its owners and contributors from any claim, loss, or expense arising from your breach of these Terms or your misuse of the Site.
Governing law
These Terms are governed by the laws of [Jurisdiction]. Any dispute arising from these Terms or your use of the Site will be subject to the courts of [Jurisdiction], unless applicable law requires otherwise.
Contact
Questions about these Terms can be sent to info@badlshop.com