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Terms of service

DRAFT — pending attorney review

Educational use only

askhoot is educational and informational only. Hoot explains what your policy says — it does not give insurance advice and does not determine whether your coverage is adequate. For questions about your specific situation, talk to your insurance agent.

Not an insurer or broker

askhoot does not sell insurance, does not act as a broker or agent, and does not determine whether your coverage is adequate, appropriate, or sufficient. Nothing on this site is insurance, legal, or financial advice.

Your account

You sign in with a magic link sent to your email. You are responsible for the policy documents you upload and must have the right to share them. You may delete your account and all data at any time.

Accuracy

Hoot reads your documents automatically and can make mistakes. Always verify coverage details against your actual policy documents and confirm decisions with your insurance agent.