Terms of Use

By using this website, you accept and agree to these Material Disclosures as well as the provisions of our Privacy Policy and our Terms of Use, which are incorporated by reference.

THIS DOCUMENT CONTAINS AN ARBITRATION AGREEMENT AND CLASS ACTION WAIVER, WHICH AFFECTS YOUR LEGAL RIGHTS. IT IS STRONGLY RECOMMENDED THAT YOU REVIEW THIS DOCUMENT, AS WELL AS OUR PRIVACY POLICY AND AGREEMENT FOR ELECTRONIC DISCLOSURES AND COMMUNICATIONS IN THEIR ENTIRETY BEFORE ACCESSING OR USING THIS WEBSITE.

"We," "Us" and "Our" mean the operator of this website, as well as its affiliates. "You" means the person or persons who use or submit registration information on this website.

You agree that by using our advertising service, you may be connected with one or more third-party service providers via intermediary agents. Participating providers or their agents may confirm your information through the use of a consumer report, which may include your credit score. Such inquires may be shown on your credit report and may have a negative impact thereon. By using this website, you accept and agree to these Material Disclosures as well as the provisions of our Privacy Policy and Terms of Use, which are incorporated by reference. We describe how your information is shared in our Privacy Policy, which you should carefully review. We are a marketing lead generator and advertising service. We do not charge you any fee. The third-party services providers have the option to purchase a given lead from us. Any compensation received is paid by third-party providers for advertising services. We are not an insurance company, an agent, a representative or a provider or broker. We do not provide insurance services. We do not control and are not responsible for the actions of any insurance company, agent or broker. We do not take applications or make credit decisions. We are not an underwriter or administrator and do not provide insurance quotes or policies. Quotes provided by insurance carriers, organizations and/or licensed agents of same. We do not have access to the terms of your insurance plan. For inquiries please contact your third-party provider or agent, directly. There is no guarantee that you will be accepted by a service provider. Eligibility depends on various factors. The operator of this website is not affiliated with, or endorsed by, the U.S. government or any federal insurance program. We do not endorse any product or service. We expressly disclaim liability for, without limitation, any product, service, plan or provider. Exclusions, limitation and conditions may apply. You are not obligated to use our service, initiate contact with an agent or agree to enroll in any plan. This service does not constitute an offer to sell or a solicitation in connection with any product or service. Void where prohibited. The states serviced by this website may change from time to time, without notice. This service is not used for insurance or credit decisions. This service and these disclosures are provided to you for information purposes only and should not be used as a substitute for informed professional advice.

Credit Implications. We do not make credit decisions. Participating providers or their agents may confirm your information through the use of a consumer report, which may include your credit score. Such inquires may be shown on your credit report and may have a negative impact thereon.

THIS WEBSITE AND THE INFORMATION, PRODUCTS AND SERVICES OF THE WEBSITE ARE PROVIDED "AS IS," WITH NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE WARRANTY OF MERCHANTABILITY. WE AND THOSE PURCHASING A LEAD FROM US, ARE NOT LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF YOUR USE OF THE WEBSITE OR ANY OF THE INFORMATION, PRODUCTS AND SERVICES OF THE WEBSITE.

YOU AND WE AGREE TO RESOLVE DISPUTES ONLY BY FINAL AND BINDING ARBITRATION as follows:

A. ANY DISPUTE THAT IN ANY WAY RELATES TO OR ARISES OUT OF THIS AGREEMENT OR FROM ANY OTHER AGREEMENT BETWEEN US, OR SERVICES OR BENEFITS YOU RECEIVE OR CLAIM TO BE OWED FROM US, WILL BE RESOLVED BY FINAL AND BINDING ARBITRATION BY ONE OR MORE ARBITRATORS BEFORE THE AMERICAN ARBITRATION ASSOCIATION ("AAA"), OR ANOTHER ARBITRATION ADMINISTRATOR THAT WE MUTUALLY AGREE UPON. Arbitration will apply not only to claims against us, but also claims against the officers, directors, managers, employees, agents, affiliates, insurers, contractors, successors or assigns of us, as well as the administrator, service agreement administrator, issuer or provider. Arbitration and this paragraph shall apply to claims that arose at any time, including claims arising before this paragraph became binding on the parties. The federal arbitration act (9 U.S.C. ?? 1 et seq.) and not any state law applies to this arbitration agreement.

B. For claims of $10,000 or less, the party bringing the claim can choose the AAA's rules for binding arbitration or, alternatively, can bring an individual action in small claims court.

C. YOU GIVE UP YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION. This means that you may not be a representative or member of any class of claimants or act as a private attorney general in court or in arbitration with respect to any claim. Notwithstanding any other provision of this agreement, the arbitrator shall not have the power to determine that class arbitration is permissible. The arbitrator also shall not have the power to preside over class or collective arbitration, or to award any form of class-wide or collective remedy. Instead, the arbitrator shall have power to award money or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. No class or representative or private attorney general theories of liability or prayers for relief may be maintained in any arbitration held under this agreement.

D. If for some reason the prohibition on class arbitrations set forth in Subsection C cannot be enforced, then the agreement to arbitrate will not apply.

E. IF FOR ANY REASON A CLAIM PROCEEDS IN COURT RATHER THAN THROUGH ARBITRATION, YOU AND WE AGREE THAT THERE WILL NOT BE A JURY TRIAL.

YOU ACKNOWLEDGE AND AGREE THAT YOU EXPRESSLY ASSENT TO THE TERMS HEREOF.