These Terms of Use are the formal agreement between this website (hereinafter we, our, ours, us, Company) and a user (hereinafter User, Users, You, Your, Yours) of the Website (hereinafter Website, Site), who continues to exploit the Website and attempts to use the services presented by the Company. The Terms of Use regulate the relationship between the stated parties in point of the use of this Website.

The Company is not an insurance agent, agency nor does it represent any insurance organization/entity. The Company operates as a search and connecting service, as it contracts with a network of independent third party partners and insurance service providers that can provide insurance policy. Thus, the Company can connect the Users of the Website with the insurance agents from its network and third party partner’s network. In order to get access the services provided by the Company the User of the Website needs to complete the online registration form.

We encourage all the Users of the Website to read these Terms of Use, as further exploitation of the Website, the use of the services on the Website and submission of personal information attempting request imply that You have read and understood these terms and other documents regulating the use of the Website, including but not limited to the Privacy Policy.

The use of the Website is available only for the residents on the USA of legal age. By continuous use of the Website You confirm that You are at least 18 years old and reside in the US. The services provided on the Website may not available for the residents of some states. The list of states is subject to changes. If You do not accept these Terms of Use, please, cease using the Website by exiting its pages.

Company Services

As mentioned above the Company is not a insurance provider, rather connects its Users with independent third party partners and network of insurance agents, who can provide the Users with insurance policy. The Company cannot guarantee that Your attempt to be connected with a Insurance provider will result in the approval of Your request, or that You will be offered the desired amount on the insurance policy. Keep in mind, that the Company has nothing to do with the terms of any particular offer or insurance product, thus, takes no responsibilities for the decisions third parties make and cannot provide information regarding any particular product.

Your continuous use of the Website implies that You accept these Terms of Use and other governing documents of the Website and acknowledge that the Company takes no responsibility for financial or non-financial damages or costs associated with Your communication or cooperation with any third party partners we can connect You with.

In order to use the services provided on the Website You need to register via online form by submitting Your personal, contact, Vehicle information and current insurance company you. This information is used to perform search and connect You with one or more third party Partners the Company contracts with who can provide You with a insurance product according to the information You state in the online form. These procedures require sharing of Your information with third party partners and insurance agents of our network. We collect, store, share and use the information You submit according to the provisions stated in the Privacy Policy, Responsible Marketing Practices on this Website. When You submit Your information You expressly confirm that You have read and understood and willingly agree to the provisions of the mentioned policies and practices, as well as these Terms of Use. Your information submission on the Website is considered as a request to connect You with one of the insurance agent or third party partners we contract with. Thus, the third party partners we share Your information with are authorized to contact You via email, sms, telephone, direct mail and other media in order to provide You with insurance product offers You expressed Your interest in. We also can share some of Your personal information with third party partners we contract with, as well as Your insurance provider may share this information with third party partners for the purpose of offering more insurance products You may have interest in.

The Company cannot guarantee that You will be approved of or provided with the products tailored to Your requirements and/or provide any information on particular insurance products and services presented by third party partners we contract with. For any information regarding insurance products and services or any particular transaction You should contact Your provider directly.

Authorized Use and Proprietary Rights

The Website can be used only according to these Terms of Use and other terms that regulate the operation of the service. The content on the Website is protected by the copyright. Any unlawful representation, use or reproduction of the content is strictly prohibited. Violation can lead to legal actions. The use of the content on the Website for commercial purposes is unlawful.

Company retains the impartible ownership rights for the content on the Website (including but not limited to digital records, videos, pictures, texts, logos, trademarks and other assets), which is protected by the copyright and regulated by the Intellectual Property laws in the United States. The Users of the Website are not granted the ownership of anything present on the Website. Any reproduction, duplication, resale, copying or other exploitation of the content, arrangement, organization, and design is considered illegal, and hence such actions are strictly prohibited.

Disclaimer of Warranties

THIS SITE AND THE SERVICES OFFERED BY THE COMPANY ARE AVAILABLE “AS IS” AND ON THE BASIS OF STATED AVAILABILITY. THEY ARE ACCESSED AND USED AT YOUR OWN RISK AFTER UNDERSTANDING THE TERMS OF USE. THIS COMPANY MAKES NO WARRANTIES OR GUARANTEES WHATSOEVER WITH THE SERVICE OR ANY PRODUCT, AND THEY ARE SUBJECT TO CHANGE WITHOUT ANY PRIOR NOTIFICATION. THE COMPANY DOES NOT GUARANTEE THAT ITS PRODUCTS WILL MEET YOUR REQUIREMENTS AT ANY GIVEN POINT IN TIME OR THAT THE SERVICES OFFERED BY THE COMPANY WILL BE UNINTERRUPTED, SECURE OR ERROR-FREE. THE SOFTWARE AND OTHER TECHNOLOGIES USED BY THE COMPANY MAY COME WITH ERRORS THAT WILL BE CORRECTED BY THE COMPANY WHEN POSSIBLE. THE COMPANY DOES NOT GUARANTEE THAT ANY THIRD-PARTY SOFTWARE, WEBSITES AND TOOLS WILL BE SECURE OR ERROR-FREE. AS A RESULT, THE COMPANY WILL NOT ACCEPT ANY LIABILITY ARISING OUT OF SUCH ERRORS OR PROBLEMS. THIS COMPANY HAS NOT REVIEWED OR VERIFIED THE LINKS OF THIRD PARTY PARTNERS AND OTHER THIRD PARTIES PRESENT ON THE SITE. IT IS UP TO YOU TO VISIT THESE THIRD PARTY LINKS AND ACCEPT THE PRODUCT OR SERVICES OFFERED BY THEM. BY VISITING SUCH LINKS, YOU ARE AT YOUR OWN RISK AND THE COMPANY IS NOT LIABLE FOR ANY LOSSES ACCRUED TO YOU THROUGH SUCH ACTIONS.

Limitation of Liability

THE COMPANY IS NOT RESPONSIBLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL OR ANY OTHER FORM OF LOSS OR DAMAGE THAT YOU MAY BE SUBJECT TO DUE TO THE USE OF THE SITE AND THE SERVICES PROVIDED BY THIRD PARTY SERVICE PROVIDERS WHO HAVE CLAIMED THEMSELVES AS INSURANCE PROVIDERS OR CONNECTING AGENT AND CAN BE CONNECTED WITH UPON REQUEST. THE TOTAL LIABILITY OF THE COMPANY IN THE CASE OF ANY LOSS OR DAMAGE CAUSED TO YOU BY THE USE OF THE WEBSITE IS LIMITED TO THE EXTENT OF MONEY YOU HAVE PAID TO ACCESS OR USE THIS SITE.

SOME JURISDICTIONS DO NOT RECOGNIZE OR ALLOW THE EXCLUSION OF CERTAIN SPECIFIC WARRANTIES SUCH AS INCIDENTAL OR CONSEQUENTIAL DAMAGES, AND IN SUCH CASES, THE COMPANY WILL ADJUST OUR LIABILITY TO THE MAXIMUM EXTENT PERMITTED BY LAW.

Implication of Privacy Policy in Marketing Activity

When You submit Your information on the Website, You expressly agree that the Company can share and use Your information for marketing purposes according to the provisions stated in the Privacy Policy of this Website. The information You provide can be shared with third party insurance agents and partners the Company contracts with. If You want Your information to be excluded from our database, You can contact us directly and make respective request. In case You need Your information to be excluded from any third party database or list, You should contact this party individually.

Third Part Websites

The Website may contain links to third party websites and information regarding the services of these third parties. The Company in no way takes responsibility for the content of the third party websites and the accuracy of the information they provide, nor does the Company represents or endorses any of third party website it connects its Users with. The User of the Website accepts all the risks concerning their access to third party websites through the website and in no way claims the Company liable for the consequences associated with the use of third party websites they link via the Website.

Disputes

All disputed that arise between the User and the Company are can be processed and resolved only through arbitration in consideration with the terms set herein. By agreeing to these Terms of Use, You confirm that You expressly reject Your right to represent Yourself individually or through legal counsel in front of any judge or court, and You waive Your right to join class action suits against the Company.

No punitive, incidental and consequential damages can be awarded by the arbitrator on the dispute as You waive Your right on claiming responsibility for these damages as well. The results of the arbitration are binding for the User.

If You reject to these arbitration clauses, then You should send an email contact@insurance22.com in writing to the Company within ten days (10) after accepting these Terms of Use. You must send the request to us. The letter should clearly have Your first and last name, telephone number, address and email address along with the statement “I reject the arbitration clause of the Company stated on its Website on its Terms Conditions of Use page.”

Indemnification

Your continuous use of the Website and the services of the Company is deemed as Your indemnification to the Company, its parent Company, subsidiaries, affiliates and each of its individual members, directors, employees, agents, co-partners as harmless and confirm no claims or liabilities may be brought by You due to: i) Your improper or unreasonable use of the Website, ii) Your breach of these Terms of Use or iii) any dispute between You and any third party. The provisions of this clause may be asserted in case of the respective dispute or claim brought by You.

Complete Agreement

The provisions of these Terms of Use collectively compile the complete agreement between the User of the Website and the owning Company and should be accepted as determining the entire understanding of the regulations governing the relations between the mentioned parties. The agreement supersedes any and all related prior information or notices. In case of discrimination or violation of any provision, the complete agreement and other provisions remain in force.

Modifications and Updates

The website reserves its right to make changes, amend and update these Terms of Use without prior notice. All the updates and changes come into force immediately after published on the Website unless the effective date is scheduled for the future term. As soon as the information is updated, the effective date is changed to the date of the most recent update. We encourage all the Users of the Website to check the effective date of this and other legal documents on the Website regularly. We reserve the right to notify the Users of the Website on the modifications using email or other media according to the provisions of Privacy Policy.

Severability and Termination

In case any of the provisions in this document are determined as unlawful or out of date, or in any way contradict any related regulations which prevail these terms, such provisions will be severed, but the remaining terms and the Terms of Use as a complete agreement will continue to be in force. In case any of the provisions of this agreement are failed to enforce by the Company, this failure is not constituted as a waiver of the other provisions of the document, nor does it rescind the rights of the Company.

The Company reserves its right at its sole discretion to terminate or deny of Your access to the Site in case of Your violation of any of the terms and regulations stated on the Site or applicable laws and regulations concerning the use of the Site. You may terminate the agreement at any time by ceasing the use of the Site, nonetheless upon termination the applicable provisions will survive.

Headings

The headings present in these Terms of Use are for understanding purposes only and will not alter or rescind the meaning of the provisions contained in this document.

Contact Information

In case You have a request, complaint or enquiry regarding the services provided by the Website, You can contact us via this email contact@insurance22.com or our contact us form. In case You consider Your issue treated improperly, You can also contact the corresponding organizations in Your state of residence authorized to review or resolve the cases of the kind.

BY USING THE WEBSITE, YOU AGREE TO ABIDE BY THE ABOVE TERMS OF USE

WE RECOMMEND TO PRINT THE TERMS OF USE AND RETAIN THE COPY OF THE AGREEMENT FOR YOUR RECORDS

DISCLAIMER:

 THIS SERVICE IS Not Insurance provider, Insurance agnecy or insurance agent AND THEREFORE CANNOT DETERMINE how much money you can save on your insurance. 
INSTEAD, WE FACILITATE BUSINESS RELATIONSHIPS BETWEEN CONSUMERS LIKE YOU AND THE Insurance agents IN OUR NETWORK or our third party partner’s network. OUR PURPOSE AND GOAL IS TO CONNECT YOU WITH ONE OR MORE Insurance Agents FROM WITHIN OUR NETWORK or third Party partner’s network WHO CAN PROVIDE YOU WITH THE Insurance services. WE WILL NEVER ACT AS AN AGENT OR REPRESENTATIVE FOR ANY OF OUR InsuraNCE Agents, SO YOU CAN REST COMFORTABLY IN THE KNOWLEDGE THAT YOU WILL RECEIVE FAIR AND COMPETITIVE OFFERS.

IN ORDER TO REQUEST Insurance quotes THROUGH THIS WEBSITE, YOU SHOULD FIRST FILL OUT OUR SHORT, EASY AND SECURE ONLINE FORM. ONCE YOU CLICK TO “Get Quote nOW”, THIS INFORMATION WILL BE FORWARDED TO OUR NETWORK OF iNSUANCE AGENTS OR OUR THIRD PARTY PARTNER’S NERWORK OF INSURANCE AGENTS WHO WILL REVIEW YOUR DETAILS AND DETERMINE WHETHER OR NOT THEY CAN OFFER YOU iNSURANCE Services. SINCE EACH Insurance agent IS DIFFERENT AND WE HAVE NO SAY IN THE services they offer, WE URGE YOU TO TAKE THE TIME TO REVIEW THE DETAILS OF EACH OFFER YOU RECEIVE VERY CAREFULLY BEFORE YOU ACCEPT OR DECLINE IT. YOU ARE NEVER UNDER ANY OBLIGATION TO ACCEPT AN OFFER FROM ANY insurance agent AND YOU MAY CANCEL THE PROCESS AT ANY TIME WITHOUT PENALTY. WE WILL NOT BE HELD ACCOUNTABLE FOR ANY CHARGES OR TERMS PRESENTED TO YOU BY ANY Insurance agent AND WE ARE NOT RESPONSIBLE FOR ANY BUSINESS AGREEMENT BETWEEN YOU AND ANY Insurance aGENT OR OUR THIRD PARTY PARTNERS.

WE CAN NOT GUARANTEE THAT COMPLETING AN ONLINE FORM WILL RESULT IN YOUR BEING CONNECTED WITH A iNSURANCE AGENT, BEING OFFERED A SERVICE WITH SATISFACTORY RATES OR TERMS, OR A iNSURANCE PRODUCT ON THE DESIRABLE TERMS.