THIS TERMS OF USE AGREEMENT INCLUDES AN ARBITRATION AGREEMENT, A JURY TRIAL WAIVER, AND A CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS. PLEASE READ THE DISPUTE RESOLUTION SECTION CAREFULLY BEFORE PROCEEDING.
Welcome to [Website URL] (the "Website"), owned and operated by [Your Company LLC Name] ("we," "us," "our"). This Terms of Use Agreement ("Agreement") governs your access to and use of our Website, mobile applications, and any tools, forms, matching facilities, or services offered through us (collectively, the "Services").
By accessing, browsing, or using our Website or Services, you acknowledge that you have read, fully understand, and agree to be legally bound by this Agreement and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these terms, you are not authorized to use the Website and must cease all use immediately.
The Website and Services are intended solely for individuals who are residents of the United States, accessing the internet from a physical location within the United States, and who are at least eighteen (18) years of age. By using our Website, you represent and warrant that you meet all of these eligibility requirements.
[Your Company LLC Name] is an administrative platform and online marketplace. We are not an insurance company, an underwriter, or a lender. We provide matching tools to help connect individuals and businesses with participating insurance companies, agents, and third-party provider networks (collectively, "Providers").
No Financial or Medical Advice: All educational material, tools, and content available on this Website are for informational and knowledge guidance purposes only and do not constitute legal, tax, financial, medical, or estate planning advice.
No Guarantees of Coverage or Quotes: Submitting an inquiry or informational form (a "Qualification Form") is an administrative request to be matched with Providers and is not an application for insurance or a formal credit application. We do not establish approval standards and cannot guarantee that any Provider will contact you, offer you a quote, or approve you for coverage.
Compensation Disclosure: We do not charge consumers a fee to submit inquiries. Instead, we are compensated by Providers via lead generation fees, marketing costs, or advertising fees. This compensation may impact how, where, and in what order conditional offers are displayed on our Website.
All text, graphics, logos, interfaces, data, and software compilation contained on this Website (the "Content") are protected by copyright, trademark, and intellectual property laws and belong exclusively to us or our licensors.
You expressly agree not to:
Copy, modify, reverse engineer, scrape, frame, or extract data from the Website using webcrawlers, spidering, or any other automated means.
Access or use any content or data from this Website, in whole or in part, to train any artificial intelligence (AI) or machine learning models, models, or algorithms without our express prior written consent.
Impersonate any person or entity or input false, inaccurate, or misleading information into our webforms.
Interfere with or attempt to disrupt the operation, security, or network infrastructure of the Website.
Consent to Contact: By submitting your contact information (phone number and/or email address) on our Website, you provide your electronic signature granting express consent to receive marketing calls, emails, text messages, and transactional communications from us and our matched Providers. This includes communications delivered via an automated telephone dialing system (ATDS) or artificial/prerecorded voices, even if your number is listed on a state or federal Do Not Call registry. Consent is not a condition of purchase.
Recording and Monitoring: You acknowledge and consent that all telephone calls, chat interactions, and website sessions (including clicks, keystrokes, and scrolling behavior) between you and us, or our third-party service providers, may be monitored, recorded, and retained for quality control, customer support, and fraud prevention purposes.
THE WEBSITE, CONTENT, AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
UNDER NO CIRCUMSTANCES SHALL [Your Company LLC Name] OR ITS AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES (INCLUDING LOSS OF PROFITS, DATA, OR USE) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE WEBSITE OR SERVICE. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY TO YOU FOR ANY AND ALL CLAIMS SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100.00) / FIVE DOLLARS ($5.00).
PLEASE READ THIS SECTION CAREFULLY. IT ELIMINATES YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN CLASS ACTIONS.
Mandatory Informal Resolution: Before initiating any formal legal or arbitration proceeding, you agree to notify us in writing of your dispute and allow us sixty (60) days to work with you in good faith to resolve the issue amicably.
Arbitration Agreement: If the dispute cannot be resolved informally, it shall be resolved exclusively through final and binding individual arbitration administered by Alternative Dispute Resolution (ADR) providers in the United States under its applicable consumer rules. The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this agreement.
Class Action & Jury Trial Waiver: YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. YOU AND WE IRREVOCABLY WAIVE ANY RIGHT TO A JURY TRIAL.
Governing Law and Venue: This Agreement shall be governed by and construed in accordance with the laws of the State of Texas without regard to its conflict of law principles. Any legal actions not subject to arbitration shall be brought exclusively in the state or federal courts located in Texas.
