Terms of Service

Agreement to Terms

By accessing and using Express Quote ("our website," "our service"), you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our service.

Description of Service

Express Quote is a lead generation service that connects consumers with licensed insurance agents and companies. We provide:

• Insurance quote comparison tools
• Educational content about car insurance
• Connection with licensed insurance professionals
• State and city-specific insurance information

We are not an insurance company, agent, or broker. We do not sell insurance directly.

User Responsibilities

When using our service, you agree to:

• Provide accurate and truthful information
• Use the service only for lawful purposes
• Not interfere with or disrupt the service
• Not attempt to gain unauthorized access to our systems
• Comply with all applicable laws and regulations
• Respect the intellectual property rights of others

Information Accuracy

You acknowledge and agree that:

• You will provide accurate, current, and complete information
• You will update information as necessary to maintain accuracy
• Providing false information may result in termination of service
• Insurance quotes are estimates based on the information provided

Third-Party Relationships

Our service connects you with third-party insurance providers. You understand that:

• We are not responsible for the actions of third-party providers
• Your relationship with insurance providers is separate from us
• You should review all terms and conditions with providers directly
• We may receive compensation from insurance partners

Disclaimers

Service Availability

Our service is provided "as is" and "as available." We do not guarantee:

• Uninterrupted or error-free service
• Specific results or outcomes
• Availability of insurance quotes in all areas
• Specific savings amounts

No Insurance Advice

We do not provide insurance advice or recommendations. All information is for educational purposes only. You should consult with licensed insurance professionals for specific advice.

Limitation of Liability

To the fullest extent permitted by law, Express Quote shall not be liable for:

• Indirect, incidental, or consequential damages
• Loss of profits, data, or business opportunities
• Actions or omissions of third-party insurance providers
• Technical failures or interruptions of service
• Damages exceeding the amount paid to us (if any)

Indemnification

You agree to indemnify and hold harmless Express Quote, its officers, directors, employees, and agents from any claims, damages, or expenses arising from:

• Your use of our service
• Your violation of these Terms
• Your violation of any third-party rights
• Information you provide to us or third parties

Privacy

Your privacy is important to us. Please review our Privacy Policy, which governs how we collect, use, and protect your information. By using our service, you consent to our privacy practices.

Intellectual Property

All content on our website, including text, graphics, logos, and software, is owned by Express Quote or our licensors and is protected by copyright and other intellectual property laws.

You may not:

• Copy, reproduce, or distribute our content without permission
• Use our trademarks or service marks
• Create derivative works based on our content
• Reverse engineer our software or systems

Termination

We may terminate or suspend your access to our service at any time, with or without cause or notice. You may stop using our service at any time.

Upon termination, your right to use the service will cease immediately, but the following sections will survive: Disclaimers, Limitation of Liability, Indemnification, and Governing Law.

Changes to Terms

We reserve the right to modify these Terms at any time. When we make changes, we will:

• Post the updated Terms on our website
• Update the "Last updated" date
• Notify you of material changes when required by law

Your continued use of our service after changes constitutes acceptance of the new Terms.

Governing Law

These Terms are governed by and construed in accordance with the laws of the United States and the state where our company is incorporated, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of our service will be resolved through binding arbitration, except where prohibited by law.

Contact Information

If you have questions about these Terms of Service, please contact us:

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.