These Terms contain a binding arbitration agreement and class action waiver in Section 11. By using our Site, you agree to resolve disputes through individual arbitration rather than in court.
1. Acceptance of Terms
These Terms of Service ("Terms") govern your access to and use of allinsurancequotes.com (the "Site"), operated by [LEGAL BUSINESS NAME, LLC/INC] ("AllInsuranceQuotes," "we," "us," or "our"). By using the Site, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Site.
2. Eligibility
You must be at least 18 years old to use the Site.
3. Nature of the Site
AllInsuranceQuotes is an independent editorial review and comparison website. We are not an insurance company, agency, broker, or licensed producer. We do not sell insurance, issue policies, bind coverage, or provide insurance advice. We publish editorial reviews and rankings of third-party insurance comparison platforms ("Partners") and may earn affiliate commissions when readers click through to those Partners.
Any insurance product or service you ultimately obtain is provided by the Partner or the underlying insurance carrier — not by us. We make no representations or warranties about Partners' products, services, or conduct.
4. Editorial Content; Affiliate Compensation
The reviews, rankings, and recommendations on the Site reflect our editorial judgment based on the methodology described on the Site. We may receive affiliate compensation when readers interact with Partner links, as disclosed in our Affiliate Disclosure. Compensation does not determine our rankings.
Our content is informational only and does not constitute insurance advice, financial advice, legal advice, or professional advice of any kind. Always consult a licensed professional before making insurance decisions.
5. User Conduct
You agree not to:
- Use the Site for any unlawful purpose
- Attempt to access non-public areas, scrape data, or interfere with the Site's operation
- Use bots, scripts, or automated systems to interact with the Site
- Reverse engineer, decompile, or copy any portion of the Site
- Misrepresent your identity or submit false information through any contact form
6. Intellectual Property
All content on the Site — including text, graphics, logos, design, and the AllInsuranceQuotes name — is owned by us or our licensors and is protected by U.S. and international copyright, trademark, and other laws. You may not reproduce, distribute, or create derivative works without our written permission.
All third-party trademarks, service marks, and trade names referenced on the Site are the property of their respective owners. References do not imply endorsement, sponsorship, or affiliation.
7. Disclaimers
THE SITE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. We do not warrant that the Site will be uninterrupted, error-free, or secure. We make no warranty regarding the products, services, or conduct of any Partner.
8. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALLINSURANCEQUOTES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE.
Our total aggregate liability shall not exceed one hundred U.S. dollars ($100).
9. Indemnification
You agree to indemnify and hold harmless AllInsuranceQuotes from any claims arising from your violation of these Terms, your misuse of the Site, or your violation of applicable law.
10. Modifications
We may modify these Terms at any time by posting an updated version. Your continued use of the Site after changes constitutes acceptance.
11. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of [INSERT STATE], without regard to conflict-of-law principles.
Binding Arbitration
Any dispute arising out of or relating to these Terms or your use of the Site shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.
Class Action Waiver
You and AllInsuranceQuotes agree that any dispute will be brought only in your or our individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative action.
Opt-Out
You may opt out of this arbitration agreement by sending written notice to [INSERT EMAIL] within 30 days of first accepting these Terms.
12. Termination
We may suspend or terminate your access to the Site at any time, with or without notice, for any reason.
13. Severability
If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect.
14. Entire Agreement
These Terms, together with our Privacy Policy and Affiliate Disclosure, constitute the entire agreement between you and AllInsuranceQuotes.
15. Contact
[LEGAL BUSINESS NAME]
[INSERT FULL BUSINESS ADDRESS]
Email: [INSERT EMAIL]