Please read these terms and conditions of use carefully before using this website.
The terms of use detailed below (the "Terms of Use") govern your access to and use of the Site and the services that we make available to you through the Site (the "Services"). By accessing or using the Site or any of the Services, you hereby agree to these Terms of Use, and you warrant that you are at least 18 years of age. If you do not agree with these Terms of Use, in whole or in part, please do not continue to use the Site or the Services.
The Terms & Conditions policy is effective as of the last updated date specified above. We may change the Terms & Conditions at any time. Please check this page periodically for changes, as your continued use of the Site or Services after any such change will constitute your acceptance of any modified terms.
Most information provided through the Service is provided for general informational and educational purposes. There is information provided at the point of sale for commercial purposes.
The Services include incorporation of third-party insurance products, brokers, and carriers in the form of an advertisement, insurance quote, online purchase, email, phone call, text message, or any other marketing medium. This serves as notice that you may have third parties contact you on our behalf.
The Services also include formal quoting, brokering, and transacting of first-and-third-party insurance products through licensed insurance agents.
Any quotes, or quote-ranges provided on the Site or over the phone are non-binding. The final insurance policy premium for any policy is determined following application by the underwriting insurance company. Insurance products and their availability may vary by state and your individual circumstances, and additional minimum coverage limits may be required in your state. The third-party insurance products offered for sale through the Site are only available in the jurisdictions in which the agents are properly licensed.
At times, Services may require you to agree to additional terms and conditions, or enter into separate agreements with us or applicable third parties. Any third-party insurance products purchased by you are subject to the contract terms of the applicable insurance carrier. In the event of a conflict between these Terms of Use and the terms of any insurance policy, the terms of the insurance policy will control.
You promise NOT to use this website for any of the following purposes or activities: conducting or supporting illegal activity of any type; transmitting or storing worms, viruses, or any code of a destructive nature; threatening, harassing, abusing, impersonating, injuring, or intimidating others; interfering with others’ use of this Website; delivering spam or collecting information to deliver spam; decompiling, disassembling, or reverse engineering any source code contained in this Website; disguising the origin of any content transmitted through this Website; or launching any automated system that accesses this Website in a manner that sends more requests to our servers in a given period than a human can reasonably produce using a conventional web browser.
The Site contains material such as text, graphics, images, photos, and other material provided by or on behalf of us (the "Content"). The Content is owned by us and/or our licensors and may be protected under both United States and foreign copyright laws and treaties, including trademarks, service marks, and logos. You shall not, without our written permission: use any trademarks, service marks, or logos; copy or use the Content for any purpose; remove any copyright or proprietary notices; or sell, transfer, license, sublicense, modify, publish, or publicly use the Content.
Your use of the Services transmits information, and possibly personally identifiable information. Any collection or use of personally identifiable information collected from you via the Website is governed by our Privacy Policy, which is incorporated by reference in its entirety. Please read and understand the terms of our Privacy Policy.
YOU ACKNOWLEDGE AND AGREE THAT THE SITE, THE SERVICES, AND ALL CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. WE WILL NOT BE LIABLE FOR ANY DAMAGES TO, OR VIRUSES THAT MAY INFECT, YOUR EQUIPMENT ON ACCOUNT OF YOUR ACCESS TO OR USE OF THE SITE, THE SERVICES, OR ANY CONTENT.
MANY INSURANCE PRODUCTS QUOTED OR SOLD THROUGH THE SITE ARE THIRD-PARTY PRODUCTS AND ARE NOT OUR PRODUCTS. WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO SUCH PRODUCTS AND ACCEPT NO LIABILITY IN CONNECTION WITH THEM. ALL SUCH PRODUCTS ARE PROVIDED PURSUANT TO THE TERMS AND CONDITIONS OF THE INSURANCE CARRIER PROVIDING THEM.
IN NO EVENT SHALL WE BE LIABLE FOR DIRECT, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS OR SAVINGS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. WHERE A JURISDICTION DOES NOT ALLOW SUCH LIMITATIONS, OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE SITE, ANY SERVICE, OR ANY CONTENT IS TO STOP USING THE SAME.
The Site may contain links to third-party websites, including the websites of insurance carriers ("External Sites"). We have no control over the External Sites and do not endorse and are not responsible for their content. They are provided for your convenience and are accessed entirely at your own risk. Before using any External Site, please review its terms of use and privacy policy.
You shall defend, indemnify, and hold us and our officers, directors, employees, successors, licensees, and assigns harmless from and against any claims, actions, or demands, including reasonable legal and accounting fees, arising or resulting from your breach of these Terms of Use or your access to, use, or misuse of the Site, any Services, or any Content.
We may terminate these Terms of Use and your access to all or any part of the Site or the Services at any time and for any reason without prior notice or liability. We reserve the right to change, suspend, or discontinue all or any part of the Site or the Services at any time without prior notice or liability.
If any portion of these Terms of Use is held to be invalid or unenforceable, that portion shall be construed to reflect the original intent of the parties as nearly as possible, and the remainder shall remain in full force and effect. You may not assign these Terms of Use. No waiver shall be effective unless in writing. These Terms of Use contain the entire agreement of the parties concerning the subject matter and supersede all prior agreements and communications concerning it.