Terms & Conditions

This arbitration agreement includes claims related to our clients, vendors, and Marketing Partners, which are third party beneficiaries of this arbitration agreement.

By using our services, you agree to these terms and conditions. If you do not agree to these terms, do not use our services.

Eligibility:
To use our services, you must be at least 18 years old and have the legal capacity to enter into contracts. Our services are available only to individuals and not to businesses or other organizations.

Insurance Products:
We offer various insurance products, and the terms and conditions of each product are specific to that product. By purchasing any insurance product through our services, you agree to the terms and conditions of that product.

Payment:
You must pay the premiums for any insurance product you purchase through our services. Payment must be made using the payment method provided by us. We may charge a fee for the use of certain payment methods.

Cancellation:
You may cancel your insurance policy at any time by contacting us. The terms and conditions of your insurance policy may specify the circumstances under which cancellation is allowed and the cancellation fees, if any.

Termination:
We may terminate your use of our services at any time, without notice, for any reason or no reason, including if we believe that you have violated these terms and conditions.

Limitation of Liability:
We are not liable for any damages arising out of your use of our services or any insurance product you purchase through our services, except for damages that are caused by our gross negligence or willful misconduct. Our liability for any damages is limited to the amount you paid us for the insurance product.

Intellectual Property:
We own all intellectual property rights in our services, including our website, software, and other materials. You may not use our intellectual property without our express written consent.

Indemnification:
You agree to indemnify and hold us harmless from any claims, damages, or losses arising out of your use of our services or any insurance product you purchase through our services.

Governing Law:
These terms and conditions are governed by the laws of the state in which we are headquartered, without regard to its conflict of laws provisions.

Changes to Terms and Conditions:
We may change these terms and conditions at any time by posting the revised terms on our website. Your continued use of our services after the changes will be deemed acceptance of the revised terms and conditions.

Entire Agreement:
These terms and conditions constitute the entire agreement between you and us regarding your use of our services and supersede all prior agreements and understandings, whether written or oral.

Any dispute or claim relating in any way to your use of this website, including any related calls texts or other communications, will be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify. This includes claims against our clients, vendors, and Marketing Partners, which are third party beneficiaries of this arbitration agreement. The Federal Arbitration Act and federal arbitration law apply to this agreement.

There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief or statutory damages), and must follow the terms of these terms as a court would.

The arbitration may be conducted by the American Arbitration Association (AAA) under its rules, including the AAA’s Supplementary Procedures for Consumer-Related Disputes. The AAA’s rules are available at www.adr.org or by calling 1-800-778-7879. You may choose to have the arbitration conducted by telephone, based on written submissions, or in person in the county where you live or at another mutually agreed location.

We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim proceeds in court rather than in arbitration we each waive any right to a jury trial. We also both agree that you or we may bring suit in court to enjoin infringement or other misuse of intellectual property rights.