Terms of Service

These Terms of Service ("Terms") govern your access to and use of this website and related services (the "Services") provided by the business that operates this website ("Company," "we," "us," or "our"). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.

1. Description of the Services

The Services are lead-generation and comparison tools that connect consumers with third-party providers, advertisers, and marketing partners ("Partners"). We are a referral and marketing service. We do not provide insurance, lending, brokerage, or other regulated products or services directly, and we are not your agent, broker, or advisor.

2. Eligibility and Accurate Information

You must be at least 18 years old and capable of forming a binding contract. You agree to provide accurate, current, and complete information when using the Services. Submitting false, misleading, or another person's information without authorization is prohibited.

3. Consent to Be Contacted

By submitting your information you agree to the consent terms presented at the point of submission and our Privacy Policy, including consent to be contacted by us and the Partner(s) by phone, text/SMS, and email as described there. Consent is not a condition of purchase, and you may revoke it as described in the Privacy Policy.

4. No Guarantee; No Professional Advice

We do not guarantee that you will be contacted, receive any quote or offer, qualify for any product, or save money. Rates, availability, and terms are determined solely by Partners. Nothing on the Services constitutes legal, financial, insurance, tax, or other professional advice.

5. Third-Party Providers

After you submit a request you may be contacted by, or directed to websites operated by, Partners. Your dealings with Partners — including the products, services, terms, and privacy practices they offer — are solely between you and the Partner. We are not responsible or liable for Partner conduct, products, or content.

6. Intellectual Property

The Services and their content are owned by us or our licensors and are protected by intellectual-property laws. You may not copy, reproduce, scrape, frame, or create derivative works from the Services except as expressly permitted.

7. Prohibited Conduct

• Using the Services for any unlawful, fraudulent, or unauthorized purpose.
• Interfering with or disrupting the Services or attempting to gain unauthorized access.
• Using automated means to access the Services or to submit information without our consent.

8. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY LAW.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICES.

10. Indemnification

You agree to indemnify and hold harmless the Company and its affiliates from any claims, damages, and expenses arising out of your use of the Services or your violation of these Terms.

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the United States and the state in which the Company is established, without regard to conflict-of-laws rules. Any dispute will be resolved in the courts or other forum designated by the Company to the extent permitted by law.

12. Changes to These Terms

We may modify these Terms at any time by posting the revised Terms with an updated date. Your continued use of the Services after changes take effect constitutes acceptance.

13. Contact

For questions about these Terms, please contact us through this website.