Please read these terms carefully before using OnlineInsureQuote.com.
These Terms of Use ("Terms") constitute a legally binding agreement between you and OnlineInsureQuote.com ("Company," "we," "us," or "our") governing your access to and use of our website located at onlineinsurequote.com and all related content, services, and features (collectively, the "Site"). By accessing or using the Site, you confirm that you are at least 18 years of age, have read and understood these Terms, and agree to be bound by them.
By accessing or using OnlineInsureQuote.com, you accept and agree to be bound by these Terms of Use and our Privacy Policy, which is incorporated herein by reference. If you do not agree to all of these Terms, you must immediately discontinue use of the Site. We reserve the right to refuse service to anyone for any reason at any time.
OnlineInsureQuote.com is an independent online comparison platform that connects consumers with insurance providers, lenders, and financial service companies for the purpose of obtaining quotes and product information. We provide general information, comparison tools, and educational content to help users make informed financial and insurance decisions.
We are not an insurance company, insurance agent, insurance broker, mortgage lender, financial advisor, or financial institution. We do not underwrite insurance policies or originate loans. All insurance products, financial products, and services displayed on our Site are offered by independent third-party providers.
OnlineInsureQuote.com receives monetary compensation from insurance companies, lenders, and financial service providers when users click through to their websites, request quotes, submit applications, or purchase products through links on our Site. This compensation may influence which products appear on our Site, the order in which they appear, and the prominence given to particular products or providers.
However, our editorial team maintains independence from our commercial relationships. Our reviews, ratings, and comparisons reflect our genuine assessment of products based on coverage quality, pricing, customer satisfaction, and financial strength — not the level of compensation we receive.
The compensation we receive from advertising partners is one of several factors that influence how and where products appear on our Site. We also consider factors such as the quality of the product, consumer satisfaction data, and the product's relevance to our users. Not all available insurance or financial products are listed on our Site.
We strive to provide accurate, current, and complete information on our Site. However, insurance rates, financial product terms, coverage details, and regulatory requirements change frequently. We make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of any information displayed on the Site.
Insurance rates and loan rates shown on our Site are estimates based on general information and may not reflect the actual rates available to you. Your actual rate will be determined by the individual insurance company or lender based on your specific information, location, and eligibility. Always verify current rates, terms, and coverage details directly with the insurance provider or lender before purchasing any product.
The information provided on OnlineInsureQuote.com is for general informational and educational purposes only. Nothing on this Site constitutes professional insurance advice, financial advice, legal advice, tax advice, or investment advice. You should not rely on any information on our Site as a substitute for professional advice from a licensed insurance agent, financial advisor, attorney, accountant, or other qualified professional.
Before making any insurance or financial decision, we strongly recommend consulting with licensed professionals who can evaluate your specific circumstances and provide personalized guidance.
All content on OnlineInsureQuote.com — including but not limited to text, graphics, logos, images, audio clips, digital downloads, data compilations, and software — is the property of OnlineInsureQuote.com or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.
You may access and use our Site for personal, non-commercial purposes only. You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any materials from our Site without our prior written consent, except as follows: You may print or download one copy of a reasonable number of pages for your own personal, non-commercial use, provided you do not modify the content and maintain any copyright notices.
You agree to use our Site only for lawful purposes and in accordance with these Terms. You agree not to:
OnlineInsureQuote.com is provided on an "AS IS" and "AS AVAILABLE" basis without any warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance. We do not warrant that:
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ONLINEINSUREQUOTE.COM AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SITE OR ANY CONTENT, INFORMATION, OR SERVICES OBTAINED THROUGH THE SITE.
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SITE EXCEED THE GREATER OF (A) $100 OR (B) THE AMOUNT YOU PAID US, IF ANY, IN THE PAST 12 MONTHS.
Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law.
You agree to defend, indemnify, and hold harmless OnlineInsureQuote.com and its officers, directors, employees, contractors, agents, licensors, and service providers from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Site, including but not limited to any use of the Site's content other than as expressly authorized in these Terms.
Our Site contains links to third-party insurance companies, lenders, and other external websites and services. These links are provided for your convenience only. We have no control over the content, privacy policies, or practices of any third-party sites or services and accept no responsibility for them or for any loss or damage that may arise from your use of them.
When you click a link to a third-party site, you are leaving OnlineInsureQuote.com and are subject to the terms of use and privacy policy of that third-party site. We strongly encourage you to review the terms and privacy policy of every site you visit.
PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS.
Any dispute, claim, or controversy arising out of or relating to these Terms or the use of our Site shall be resolved by binding individual arbitration rather than in court, except that either party may bring claims in small claims court if the claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration clause.
You agree to waive your right to a jury trial and to participate in a class action lawsuit or class-wide arbitration. Arbitration proceedings shall be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration shall take place in a mutually agreed location or via telephone or video conference.
Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights.
These Terms and any disputes arising hereunder shall be governed by and construed in accordance with the laws of the United States of America, without regard to its conflict of law provisions. For any disputes not subject to arbitration, you consent to the personal jurisdiction of federal and state courts located within the United States.
We reserve the right to modify or replace these Terms at any time at our sole discretion. We will provide notice of material changes by posting the updated Terms on this page with a revised "Last Updated" date. Your continued use of the Site after any changes become effective constitutes your binding acceptance of the updated Terms. If you do not agree to the new terms, you must stop using the Site.