Terms of Service

1. Acceptance of Terms

Welcome to insurancequotes.autos. These Terms of Service ("Terms," "Agreement") govern your access to and use of our website, services, and applications (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

If you do not agree to these Terms, you must not access or use our Services.

These Terms constitute a legally binding agreement between you ("User," "you," or "your") and insurancequotes.autos ("we," "us," or "our"). By submitting a quote request or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

2. Description of Services

2.1 Marketing Service

insurancequotes.autos operates as a third-party marketing and lead generation platform. We provide an online marketplace where consumers can request insurance quotes by submitting their information.

2.2 What We Do

• Collect and process quote requests from consumers
• Match consumers with licensed insurance providers, agents, and brokers
• Distribute consumer information to our network of insurance partners
• Facilitate communication between consumers and insurance providers

2.3 What We Do NOT Do

• We do NOT sell insurance policies
• We do NOT underwrite or issue insurance coverage
• We do NOT provide insurance advice or recommendations
• We do NOT handle claims, billing, or policy servicing
• We do NOT act as an insurance agent or broker

2.4 No Guarantee of Coverage

We do not guarantee that you will receive insurance quotes or that you will qualify for any specific insurance product or rate. Insurance providers make independent decisions regarding coverage and pricing based on their underwriting criteria.

3. User Eligibility

To use our Services, you must:

• Be at least 18 years of age or the age of majority in your state
• Be a resident of the United States
• Have the legal capacity to enter into a binding agreement
• Provide accurate and truthful information
• Have a valid email address and phone number

By using our Services, you represent and warrant that you meet these eligibility requirements.

4. User Responsibilities and Conduct

4.1 Accurate Information

You agree to provide accurate, current, and complete information when submitting quote requests. Providing false, misleading, or fraudulent information may result in:

• Termination of your access to our Services
• Denial of insurance coverage by providers
• Legal consequences under state and federal fraud laws

4.2 Account Security

If you create an account, you are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

4.3 Prohibited Conduct

You agree NOT to:

• Use our Services for any illegal purpose
• Submit false, fraudulent, or misleading information
• Interfere with or disrupt our Services or servers
• Use automated systems (bots, scrapers) to access our Services
• Attempt to gain unauthorized access to our systems
• Violate any applicable laws or regulations
• Infringe upon intellectual property rights
• Harass, abuse, or harm other users or third parties

5. Information Submission and Consent

5.1 Quote Request Submission

When you submit a quote request, you expressly consent to:

• The collection, use, and sharing of your personal information as described in our Privacy Policy
• Receiving communications from multiple insurance providers, agents, and brokers
• Your information being shared with third-party insurance partners
• Being contacted via phone, email, SMS, and other communication methods

5.2 Lead Distribution

You acknowledge and agree that your information may be shared with:

• Licensed insurance companies
• Independent insurance agents and brokers
• Marketing partners and affiliates
• Service providers assisting with quote generation

5.3 Multiple Contacts

Important: By submitting your information, you may be contacted by multiple insurance providers. Each provider operates independently and has its own privacy policies and business practices.

6. Third-Party Relationships

6.1 Independent Third Parties

Insurance providers, agents, and brokers in our network are independent third parties. We do not control their actions, services, or business practices. We are not responsible for:

• The accuracy of quotes provided by third parties
• The quality of insurance products or services
• Claims handling or policy servicing
• Billing, payment processing, or financial transactions
• Customer service provided by third parties
• Privacy practices of third-party insurance providers

6.2 Third-Party Websites

Our Services may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of external websites. Your use of third-party websites is at your own risk.

6.3 No Endorsement

The inclusion of insurance providers in our network does not constitute an endorsement, recommendation, or guarantee of their services, products, or reliability.

7. Telephone Consumer Protection Act (TCPA) Consent

7.1 Scope of Consent

Your consent includes, but is not limited to:

• Phone calls to your residential or mobile phone number
• Text messages (SMS) to your mobile phone
• Prerecorded or artificial voice messages
• Calls made using an automatic telephone dialing system (ATDS)
• Calls and messages for marketing and promotional purposes

7.2 No Obligation to Consent

Your consent to receive telemarketing communications is NOT a condition of purchasing any goods or services. However, refusing consent may limit your ability to receive insurance quotes through our platform.

7.3 Carrier Charges

Standard message and data rates may apply to text messages. You are responsible for any charges imposed by your mobile carrier.

7.4 Revocation of Consent

You may revoke your consent at any time by:

• Replying "STOP" to text messages
• Requesting removal during a phone call
• Contacting us at contact@insurancequotes.autos

Note: Revoking consent with us does not automatically revoke consent with insurance providers who have already received your information. You must contact them separately.

8. No Insurance Advice or Recommendations

8.1 No Professional Relationship

We do not provide insurance advice, recommendations, or counseling. Any information provided on our website is for general informational purposes only and should not be considered professional advice.

8.2 Consult Licensed Professionals

You should consult with licensed insurance agents, brokers, or legal professionals for specific advice regarding your insurance needs.

8.3 Independent Research

You are responsible for conducting your own research and due diligence when selecting insurance coverage and providers.

9. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability and fitness for a particular purpose
• Warranties that our Services will be uninterrupted, timely, secure, or error-free
• Warranties regarding the accuracy, reliability, or completeness of information
• Warranties that defects will be corrected
• Warranties regarding third-party insurance providers or quotes

Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.

10. Limitation of Liability

Our total liability to you for any claims arising from your use of our Services shall not exceed the greater of:

• The amount you paid us (if any) in the past twelve (12) months, or
• One hundred dollars ($100.00)

This limitation applies to all causes of action, including but not limited to breach of contract, breach of warranty, negligence, strict liability, misrepresentation, and other torts.

10.1 State-Specific Limitations

Some states do not allow limitations on implied warranties or the exclusion/limitation of certain damages. If these laws apply to you, some or all of the above disclaimers or limitations may not apply, and you may have additional rights.

11. Indemnification

You agree to indemnify, defend, and hold harmless insurancequotes.autos, its affiliates, officers, directors, employees, agents, and partners from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from or relating to:

• Your use of our Services
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Your violation of third-party rights
• Information you submit through our Services
• Your interactions with insurance providers

12. Intellectual Property Rights

12.1 Our Property

All content on our website, including but not limited to text, graphics, logos, images, software, and design elements, is the property of insurancequotes.autos or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual property laws.

12.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for personal, non-commercial purposes. You may not:

• Copy, modify, or distribute our content without permission
• Reverse engineer or attempt to extract source code
• Remove or alter copyright, trademark, or proprietary notices
• Use our trademarks or branding without written consent

13. Prohibited Uses

You may not use our Services to:

• Violate any federal, state, or local laws or regulations
• Commit fraud or submit false information
• Impersonate any person or entity
• Transmit viruses, malware, or harmful code
• Spam, phish, or engage in other deceptive practices
• Harvest or collect user information without consent
• Interfere with security features or server operations
• Engage in unauthorized commercial activities

14. Termination

14.1 Right to Terminate

We reserve the right to suspend or terminate your access to our Services at any time, with or without cause, with or without notice, for any reason including:

• Violation of these Terms
• Fraudulent or illegal activity
• Requests by law enforcement
• Technical or security issues
• Discontinuation of our Services

14.2 Effect of Termination

Upon termination, your right to use our Services will immediately cease. Sections of these Terms that by their nature should survive termination shall survive, including but not limited to disclaimers, limitations of liability, and indemnification provisions.

15. Arbitration and Dispute Resolution

15.1 Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

You and insurancequotes.autos agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of our Services shall be resolved through binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify.

15.2 Arbitration Procedures

Arbitration shall be conducted by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration will take place in New York, New York, unless both parties agree to a different location.

15.3 Class Action Waiver

YOU AND insurancequotes.autos AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

15.4 Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to us within 30 days of first accepting these Terms. The notice must include your name, address, and a clear statement that you wish to opt out of arbitration.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

You agree to submit to the personal jurisdiction of the state and federal courts located in New York County, New York for the purpose of litigating any claims or disputes (except those subject to arbitration).

17. Changes to Terms of Service

We reserve the right to modify or update these Terms at any time. We will notify you of material changes by:

• Posting the updated Terms on our website with a new "Last Updated" date
• Sending email notification to registered users
• Displaying a prominent notice on our website

Your continued use of our Services after changes become effective constitutes your acceptance of the modified Terms. If you do not agree to the changes, you must stop using our Services.

17.1 Review Regularly

We encourage you to review these Terms periodically to stay informed about our terms and conditions.

18. Contact Information

If you have questions, concerns, or disputes regarding these Terms of Service, please contact us:

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