Terms of Use

By reading, visiting, and using this site, or submitting information to this Site, you agree that you are bound by its terms and conditions contained herein in our "Terms of Use" (this Agreement), as well as our Privacy Policy.

Compliance

By using this site or submitting any information via this site, you decree that you have the capacity to be bound by the Agreement and that we may monitor your use or access of said Site in accordance with our Privacy Policy at any time.

Access/Use of Site

Your access and use of the site is non-transferable to third parties. You may use the site only for personal use and may not allow transfer of these rights to any other entities. Further, you may only access and use the Site for lawful purposes and in accordance with our Privacy Policy and this Agreement. Access and use of our Site is free of charge.

Disclaimer

We reserve the right to suspend or discontinue to any person or persons at any time with or without notice. Having access to our site does not give you unlimited access for an illimitable time.

Warnings and Precautions

If we believe you take any action that in any way: (i) violates this Agreement's terms and/or our Privacy Policy; (ii) restricts others from accessing or using the site in the same way other do, or restricts their enjoyment of the site; (iii) defames, harasses, threatens, or in any other way offends others, may result in your immediate suspension or loss of access to our Site. Furthermore, you may not use SEO or metatags, black hat techniques, or provide links to or from the Site without our prior express written permission.

Access/Use of Services

In addition to the regular terms and conditions, we may also offer you various services via our Site (the "Services). All of these extras will be subject to the terms and conditions governing the services as stated below:

You may be required to provide us with information about yourself in order to opt in to certain services. If you provide personal information, you agree that the information you provide is true and accurate to the best of your ability. You agree not to misrepresent your identity and further agree to keep your personal information current and to update any information that needs to be updated. Further, the use and disclosure of your information is governed by this Agreement and our Privacy Policy.

Quotes or Opt-Ins

Our Site may also give you the opportunity from time to time to request to receive quotes or offers from insurance carriers and/or insurance agencies in which they match you up with the best insurance companies ("Insurance Providers") for your needs. We make no guarantees that you will be matched with an insurance provider that meets your needs based on any of our third party partners. Also, not all offers are available in all states and some are only available in the U.S.

Incomplete Requests

If you make a request that is incomplete, you agree any information that you provide in connection with your request (whether complete or incomplete) may be used and disclosed, as explained in our Privacy Policy. Further, you authorize Insurance Providers, third-party providers, or other related insurance professionals access to information regarding your request and give them permission to conduct all necessary research that will locate the best insurance providers possible for your needs.

Contact by Third Parties

When you make a request on our Site, you are expressly authorizing us to allow Insurance Providers to contact you by phone, email, or fax, using the contact information your provided for purposing of sending you information, quotes, products, and services.

You are responsible for complying with applicable laws and requirements in conjunction with your use of any services offered by one of our designated Insurance Providers.

List of Prohibited Actions

You may not post, submit, or transmit any information that:

• Infringes on any third party copyrights, trademarks, trade secrets, or other rights
• Violates any law, statue, regulation, or ordinance
• Contains libelous, threatening, harassing, defamatory, obscene, explicit or vulgar statements or is otherwise injurious to any person or persons
• Contains any sort of malware, including viruses, Trojans, back doors, or other malicious or secretive coding that may contaminate or infiltrate our Site in destructive ways or that are intended to damage, interfere with, or expose any system, data, or personal information
• Information that contains or is connected to chain letters, mass mailings, political campaigning, or any form of "spam"
• Information that is false, inaccurate, or contains misleading data
• Commercial ads or solicitations without written permission from us
• Any federally trademarked and/or copyrighted information without written permission from us.

Electronic Communications

As a condition of visiting our Site, you understand that you are communicating electronically when sending or receiving communications through our site. Email is the most commonly used format of communication that we use to communicate with you and you agree that all agreements, notices, and other forms of communication we provide electronically satisfy any legal requirement in question.

Third-Party Links

In addition to our other information, there may also be third-party links to other web sites that belong to our advertisers, business partners, affiliates, or other third party business partners and vendors. Such links do not mean that we endorse any of these web sites, nor are we responsible for any of the activities or policies of those sites.

Mobile Devices

You may be charged fees or carrier rates when using any mobile devices to access our site. The terms of this Agreement and other agreements may also apply within the application regarding mobile device usage.

Content

While we make every effort to ensure quality content on our Site, we declare that all content is provided on an "as is" basis. We make no representations or warranties either expressed or implied as to the operation of the Site or the information and content contained therein. Therefore, you take your own risk on these issues.

U.S. Territory Statement

Our Site is controlled and governed by the laws of the United States of America. If you access or utilize the Site from any other areas, you would be under the legislation of that other governing agency for your interaction regarding our site.

Limitations on Liability

We are not liable to you or to any third party regarding damages, contract, warranty, or tort law for any claim, including negligence which is a direct or indirect result of:

(i) violation on the part of you regarding our terms and conditions of this Agreement
(ii) your use and/or access of the Site
(iii) delay on your part regarding access or inability to access or use the Site
(iv)download of any content for personal use
(v) your reliance on or use of our content
(vi) any software, data, information, products or services obtained via our Site, or arising form the use of our site, whether resulting from breach of contract, negligence, strict liability, or tort law, even if we and/or our providers of insurance policies or products have been advised of possible damages, our total liability and the liability of our affiliates, directors, employees, independent contractors, shareholders, or any other entities will only total $100.

Further, you acknowledge that we shall not be held responsible or legally liable for an user-generated content of any third party, whether it involves offensive, defaming, or illegal conduct or not. The risk of such damage or harm from user-generated content and third party conduct lies entirely with you.

Time Limits

The Site and You further agree that any action arising from this site must commence from one year after the cause of action occurs. Otherwise, there shall be no action taken on such event or damages.

Indemnification

You shall not hold our Site or its partners liable for any damages, including its affiliates and their respective officers, managers, members, and other staff involving any legal issues stemming from any of the following:

(i) any breach or violation of this Agreement by you
(ii) the failure to provide accurate, complete personal information
(iii) the nature of your access or use of the Site
(iv) use of passwords
(v) your posting, transmissions, or communications from your own user-generated content
(vi) any personal injury or property damage caused by you

Amendments and Changes

As Site owners, we reserve the right to update, amend, change, or alter said Agreement anytime at our sole discretion and without notice. Any updates to the Agreement will be posted here and such changes will take effect immediately upon posting to the Site. You should visit this section of our Site often in order to make yourself aware of any changes that occur in this regard. Your continued use of our Site constitutes your compliance with and agreement to all of its terms and conditions, including our policy on amended policies.

Governing Law and Arbitration

You agree that our Site shall be considered responsible to Law in the State of New Jersey, and shall be considered a passive web site that does not execute personal jurisdiction over its affiliates, and makes no claim of power over any jurisdictions other than the State of New Jersey.

Entire Agreement Clause

We do hereby declare that if any portion of this Agreement is unlawful, void, or unenforceable by any official of the court in the state of New Jersey, the entire Agreement shall not likewise be deemed unlawful as a result of the portions contained therein that were deemed so. In such cases, only the portions that were deemed unlawful, void, or unenforceable will be considered and will be stricken from the entire Agreement.

This Agreement, along with our Privacy Policy represent the entire agreement as understood, between you, the user of our Site, and the Site itself, which represents our company, its affiliates, vendors, and all invested parties. As such, it also serves to supersede all other previous agreements, understandings or clauses regarding the same.

By using this site, utilizing its content, communicating within our site framework, or any other activities, you agree to be bound by this agreement, its contents, and all applications pertaining thereunto. By continuing to use the Site, you agree to adhere to governing laws and ordinances within our Site framework, and agree to be responsible for any legal ramifications that result from using our Site.

If you have any questions regarding either our entire Agreement or its implications, including but not limited to the Agreement or our Privacy Policy, you are invited to submit your question to our contact information and we will try to answer them to the best of our ability.

Our goal is to provide the most enjoyable, convenient, and helpful service to our customers, via the avenue of our website and we trust that you agree that by having these policies in place, we are able to offer this to all customers regarding any insurance need, quote, or information they require in order to get the information they need.

Please return to our site regularly in order to access the latest information, policy updates, or other amendments pertaining to this agreement at any time and email us with any concerns, questions, or ideas you have that would make our site better for all parties concerned.

Thank you for reading this Terms and Conditions page and our Privacy Page and for being a member of our site. Our goal is to continue to improve the user experience through application of the best policies possible to benefit all users, partners, and interested parties.