PRIVACY POLICY

From: Insurance-Auto.com

Privacy and Data Use Policy for Insurance-Auto.com

Insurance-Auto.com is an advertising network that may deliver advertisements to the Websites you visit. Insurance-Auto.com understands that your online privacy is important to you. We have created the following Privacy and Data Use Policy (the “Policy”) to let you know what information we might collect on this Website and when we might serve advertisements on our network of Websites owned by third-party publishers (collectively, the “Insurance-Auto.com Site Network”), how such information is used, and how it is shared with third-parties if shared at all.

Please read this Policy carefully. Use of the Insurance-Auto.com Site Network, this Website and your sharing of information with us is subject to the terms and conditions of this Policy. By using the Insurance-Auto.com Site Network, this Website or sharing information with us, you give your agreement to this Policy. The Policy may be revised or updated at any time by us as further described below.

The terms “you,” “your,” and “yours” refer to the Website visitor or consumer. The terms “Insurance-Auto.com,” “we,” “us,” and “our” refer to Insurance-Auto.com, and the companies under its control (such as subsidiaries), or under common control (such as parent companies, or companies owned by its parent company) (collectively, “Insurance-Auto.com Entities”).

Ad Delivery & Reporting Across Multiple Sites

As part of our ad delivery and reporting, we log page views and collect information for the purpose of having the option to delive ads or providing advertising-related services, including providing a specific advertisement based on a particular type of browser or time of day; statistical reporting in connection with the activity on a Website; and tracking the number of ads served on a particular day to a particular Website. To do so, we collect information about the type of browser and operating system of Website visitors, as well as the domain name, day and time of visit, and page(s) visited. We do so across multiple Web domains owned or operated by different entities (each, a “Site”).

Relevant Advertising

We want to deliver more relevant advertising to you if we choose to engage in advertising. Delivering more relevant advertising to you and other Website visitors allows Website owners to generate more advertising revenue. This revenue pays for the free content that they may publish for you or free services that they may deliver to you. It also means that you are more likely to see online advertising that meets your interests.

In an effort to deliver relevant advertising to you, we may collect data across multiple Web domains owned or operated by different entities to categorize likely consumer interest segments for use in advertising online (“Online Behavioral Advertising” or “OBA”). For example, we can analyze aggregate, anonymous data to determine that a visitor of a particular Site at 6:30 PM is more likely to be interested in food, or antique cars, or a classic movie. We can then serve an ad to the Web page the visitor is viewing that offers a discounted Pizza, car show tickets, or classic movie DVD—importantly—without ever knowing the identity or personal information of the visitor.

If you do not wish to benefit from relevant advertising, please feel free opt-out OBA as described in the paragraph titled “OBA Opt-Out,” below.

Internet Technology

We collect the information described above by using log files, Web beacons, and cookies. We often engage or cooperate with service and technology companies to collect this information. While this tracking and collection technology is commonly used, you might not be familiar with it, and we would like to explain it:

“Log files” track actions occurring on Websites and collect data including your IP address, browser type, Internet service provider, referring/exit pages, platform type, date/time stamp, click data and types of advertisements viewed.

“Web beacons” are electronic files used to track your navigation of a Website or collection of sites, the completion of transactions, submittal of applications and browsing behavior.

“Cookies” are files (e.g. HTTP cookies) that are stored on your Internet enabled device (which includes your computer, BlackBerry or other PDA). Cookies are mostly used to record what pages and ads you have already viewed. Cookies are used to facilitate Website navigation (for example, so your bank knows that you logged in), make sure that you are forwarded to the appropriate Website when you click on an ad, and improve your Web browsing experience. Cookies are also used to control the delivery of a series of advertisements to a Web browser, and to limit the number of times a Web browser receives any one advertisement. We also use cookies to estimate the total reach of an advertising campaign, as well as the frequency of display. You can learn more about cookies on the Internet Advertising Bureau’s Website allaboutcookies.org/information-in-cookies.

We use the information we collect for marketing and advertising purposes to determine which ads perform well, to better match ads and Website content to your interests, to improve the operation of our services, to maintain the quality of our services, to enhance our services to our business partners and clients, to provide general statistics to our business partners and clients regarding use of Insurance-Auto.com services, and for the other purposes described below.

Personally Identifiable Information

We do not collect data that includes a name, address, telephone number, email address, government-issued identification, or data that likewise would identify a specific individual (“Personal Identifiable Information” or “PII”), except when you may wish to provide PII as a visitor to this Website or a member of the Insurance-Auto.com Site Network, for example by completing a customer service form. While we generally will use such information only for the purpose that it was intended, we reserve the right to use and share such information under these terms.

Third-Party Data Usage: Information Obtained from Other Companies

We license and otherwise obtain all types of information from various other companies, including research companies, financial information companies, data aggregation companies and other third-party companies. Data sets may include information about you or your demographic segment that such companies have licensed, purchased or collected. We use this information for all the purposes described in this Policy, and for any other purpose that we chose.

Our Clients, Ad Partners, and affiliates share information with us such as browser cookie IDs, mobile device IDs, IP address, device type, operating system, hashed email address, or hashed mobile ID (e.g., Apple IDFA or Android advertising ID), as well as location-based data such as Wi-Fi, cell tower, GPS or diagnostic location information, contextual information, and demographic information including age, gender and zip code.

Partner name may receive this Precise Location Data from third-party partners or other partners that may be relevant.

Sharing Your Information

Insurance-Auto.com may use and share your information: (1) to enable third-party service providers to assist or facilitate in the services we provide to our clients and customers; (2) to comply with applicable laws and regulations or to respond to a subpoena, search warrant or other lawful request for information received by us, whether or not a response is required by applicable law; (3) to enforce our terms of use or to protect our rights; (4) to protect the safety of members of the public and users of our services; (5) with other Insurance-Auto.com Entities and third-party marketing partners; (6) with third-party research companies, vendors, administrative service providers, technology providers, and selected partners for data validation, aggregation, enhancement, verification and suppression purposes, and for research, marketing, advertising, and data aggregation purposes; (7) for the purposes described elsewhere in this Policy; or (8) for any other purpose for which you provide consent. We also may share information with advertisers, publishers and other third-parties for marketing and advertising purposes, but such information does not include PII except if you provided it as described above. While Insurance-Auto.com strongly encourages its advertising customers, service providers, partners, and members of the Insurance-Auto.com Site Network to adopt responsible approaches to online marketing, Insurance-Auto.com is not responsible for the information practices of any of third-party entities referenced in this paragraph, which may use the information we share with them for the same purposes as we use the information, or for their own independent purposes. The collection, use, and disclosure of information by clients and partners are subject to their respective privacy policies, which may differ from this Policy.

Corporate Changes

In the event that Insurance-Auto.com is acquired by or merged with a third-party entity, we reserve the right to transfer or assign the information we have collected from you as part of such merger, acquisition, sale, or other change of control. In the unlikely event of our bankruptcy, insolvency, reorganization, receivership, or assignment for the benefit of creditors, or the application of laws or equitable principles affecting creditors’ rights generally, we may not be able to control how your information is treated, transferred, or used.

Information Collected by Third-Party Sites

Please be aware that the Sites of our advertiser clients as well as the Sites on which we place advertisements or any Site linked to from one of our Websites also may collect information from you. Such information may include non-personally identifiable information through the use of cookies and other technology and any personally identifiable information you may choose to give in registering and transacting with such Website. Although we choose our business partners and clients carefully, Insurance-Auto.com is not responsible for the privacy practices of Websites operated by such third-parties. You should check the applicable privacy policies of such Websites you visit to determine how they handle any information they collect from you.

Data Retention

Your Internet browser stores OBA-related data as cookies. If you have cookies disabled, if you delete your cookies, or if other software deletes the cookies used for that data storage, such data is lost because it is not retained separately by Insurance-Auto.com. The cookies that store data related to Insurance-Auto.com OBA will in any case expire one year after the last time such information is stored, barring any technical malfunction.

Insurance-Auto.com retains information regarding ad delivery (see, “Ad Delivery & Reporting” above) for up to six (6) months. However, Insurance-Auto.com may retain aggregate statistics, reports, and summaries regarding ad delivery for a longer period.

Insurance-Auto.com may delete any or all of OBA or information regarding ad delivery that relates to you at any time and in the sole discretion of Insurance-Auto.com, notwithstanding its normal data retention policies. Further, Insurance-Auto.com reserves the right to retain and use any information described in this Policy as reasonably necessary to comply with laws or regulations, notwithstanding any limitations described in this Policy to the contrary. If Insurance-Auto.com changes its retention data policies by updating this Policy, its new policies will apply to all data then retained by Insurance-Auto.com.

Additional Information Regarding Children Under The Age of 13

We do not target or knowingly collect information from children under the age of 13. If we have actual knowledge that a consumer is under the age of 13, we do not collect personal information as described in this Privacy Policy unless we have verifiable parental consent.

Your Choices

For Nevada Residents

You have the right to opt-out of the sale of your personal information to third parties who, in turn, may license or sell your information to other parties. If you choose to opt-out, please complete the opt-out request form here or contact us at our toll-free number, 866-918-3280.

We will respond within sixty (60) days and reserve the option of a thirty (30) day extension to respond upon notice to you.

For California Residents

Please see https://insurance-auto.com/privacy-notice-for-california-residents

The following Terms & Conditions (the “Terms“) govern your use of the Insurance-Auto.com site (the ”Site“). The Site is made available by Insurance-Auto (the ”Site Proprietor“ or ”we") through LaFutura, LLC based in the state of Californian in the United States of America. BY USING THE SITE, YOU ACCEPT AND AGREE TO THESE TERMS AS APPLIED TO YOUR USE OF THE SITE. If you do not agree to these Terms, you may not access or otherwise use the Site and should cease your use of the Site immediately. We may change the Terms from time to time, and at any time without notice to you, by posting such changes on the Site. By using the Site following any modifications to the Terms, you agree to be bound by any such modifications to the Terms.

You may only use the Site if you are domiciled in the United States and you are 18 years old or older.

Services Available on the Site.
Via the Site, we provide a service by which consumers can call to enquire, apply and potentially receive insurance or discount program quotations from our network of insurance company partners, insurance agents, brokers, discount program representatives and other service providers (the “Services,” “Insurance Entities,” or “Entities”). We seek to provide valuable information that individuals can use to make their own decisions about insurance and discount programs. Once you provide us with the information needed to advance to a conversation, we will attempt to match you with appropriate insurance agents, insurance companies, brokers, discount programs or other companies.

We do not issue insurance contracts or bind coverage. We do not endorse or recommend any companies or insurance policies, and we do not provide insurance, tax or financial advice. We do not guarantee that any of the insurance agents, brokers, representatives, call centers, and/or companies to whom we forward your call will agree to provide you quotes or coverage, will contact you and/or follow up from the contact. We are not responsible in any way for the conduct of aforementioned companies, insurance agents, brokers, discount program representatives and companies that are matched with you. If you would like personal advice or specific policy recommendations, you should consult with an insurance agent, broker, or other qualified professional.

We reserve the right, for any reason, in our sole discretion, to terminate, change, suspend or discontinue any aspect of the Site or the Services, including, but not limited to, content, features, hours of availability, location availability which may include State and zip code. We are also not responsible in any way if technology connections, including phone calls, are inhibited or fail. We may also impose limits on certain features of the Services or Site or restrict your access to part of or the entire Site without notice or penalty.

There is no charge to you for use of the Site.

How We Make Money.
Insurance-Auto and Insurance-Auto.com is an independent, advertising-supported website publisher, owned by LaFutura LLC, that helps connect individuals with insurance providers and other affiliates to give consumers an opportunity to get information about insurance and connect with insurance agents, company and other entities mentioned above. This Website may earn revenue for leads, clicks, calls and applications generated, and may be compensated by its advertisers for sponsored products and services. This compensation may impact how, where and in what order products appear. This Website does not include all companies or all available products. This Website is not a broker or agent on the sale of insurance products.

Proprietary Rights.
As between you and the Site Proprietor, the Site Proprietor owns, solely and exclusively, all rights, title and interest in and to the Site, all the content, code, data and materials thereon, the look and feel, design and organization of the Site, and the compilation of the content, code, data and materials on the Site, including but not limited to all intellectual property and proprietary rights therein. Your use of the Site does not grant to you ownership of any content, code, data or materials you may access on the Site. Any commercial use or exploitation of the Site is strictly prohibited. You may view the content on the Site on your personal computer, phone, mobile device, tablet, laptop, or other internet-compatible device, and make single copies or prints of the content on the Site for your personal, non-commercial use only. You may not otherwise copy, reproduce, distribute or otherwise exploit any content, code, data or materials on the Site. If you make other use of the Site, except as otherwise provided above, you may violate copyright and other laws of the United States, other countries, as well as applicable state laws and may be subject to liability for such unauthorized use. We do not grant any license or other authorization to any user of our trade names, trademarks, service marks or other marks or logos without our separate express written agreement. Third party marks are the property of their respective owners.

User Submissions.
In the course of your use of the Site, you may be asked to provide, or you may provide on your own inclination, information or materials to us (such information and/or materials referred to hereinafter as “User Submissions”). User Submissions include, for example, click to call capability, phone number or numbers listed on the site or information you may submit to us via your application to receive quotations (“Application Data”). User Submissions may also include information and materials you submit to us via other on-line forms on the Site, by e-mail, or in any other manner via the Site. Please note that Insurance-Auto.com is primarily designed to connect customers with insurance entities (mentioned above) through phone calls and online form submission is not currently available. Our information collection and use policies with respect to the privacy of personal information are set forth in the Site’s Privacy Policy which is incorporated herein by reference for all purposes. Please read our Privacy Policy before submitting any User Submissions. You acknowledge and agree that you are solely responsible for the accuracy and content of your phone conversations as well as any potential User Submissions. As we are primarily a phone call connection service, we do not currently accept User Submissions. If we do accept User Submissions in the future, we cannot be responsible for maintaining any User Submissions that you provide to us, and we may delete or destroy any such User Submissions at any time. We reserve the right to refuse to post or to remove any User Submissions, in whole or in part, that, in our sole discretion, are unlawful, unacceptable, undesirable, inappropriate or in violation of these Terms.

Session Data.
While you use the Site, we may record your interaction with the Site and forwarding phone calls using third party technology such as ActiveProspect’s TrustedForm and Jornaya’s TCPA Guardian. Additionally, we may use third parties to monitor and log your interactions with our websites for the purpose of analytics and optimization. The third parties used for this purpose may include:

• Google

• Call Tracking Platforms such as Ringba or LeadsPedia

• Anura

• E2Value

• Email Oversight

• Forensiq

• Jornaya

• Transunion

• Towerdata

• Active Prospect

• Jornaya

• Adobe

• Meta

• Facebook

You agree these third parties mentioned and others that may be added, may record your use of the Site. Our information collection and use policies with respect to the privacy of personal information are set forth in the Site’s Privacy Policy which is incorporated herein by reference for all purposes. Please read our Privacy Policy before continuing to use the Site.

User Conduct.
Insurance-Auto.com is designed for ease of the customer journey to connect with Insurance Entities through phone calls. You warrant and agree that, while using the Site, you shall not upload, post or transmit to or distribute or otherwise publish through the Site any materials that: (a) are protected by copyright, or other proprietary or intellectual property right, without first obtaining permission from the proprietary or intellectual property rights holder; (b) are unlawful, threatening, harassing, profane, tortious, defamatory, vulgar, obscene, libelous, deceptive, fraudulent, contain explicit or graphic descriptions or accounts of sexual acts (including but not limited to sexual language of a violent or threatening nature directed at another individual or group of individuals), invasive of another’s privacy or hateful, (c) restrict or inhibit any other user from using and enjoying the Site, (d) constitute or encourage conduct that would constitute a criminal offense or give rise to civil liability, or (e) contain a virus or other harmful component, advertising of any kind, or false or misleading indications of origin or statements of fact.

You also warrant and agree that you shall not: (a) impersonate any person or entity or misrepresent your affiliation with any other person or entity; (b) upload, post, publish, transmit, reproduce, distribute or in any way exploit any information or other material obtained through the Site for commercial purposes; (c) engage in spamming, flooding, harvesting of e-mail addresses or other personal information, spidering, “screen scraping,” “database scraping,” or any other activity with the purpose of obtaining lists of users or other information, or send chain letters or pyramid schemes via the Site; or (d) attempt to gain unauthorized access to other computer systems through the Site. You agree that you will not use the Site in any manner that could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Site. You also agree and warrant that your subsequent phone conversation mannerisms will comply with all standards of legal speech as well as common decency. You agree to defend, indemnify and hold the Site Proprietor and its directors, officers, partners, employees, agents and affiliates harmless from any and all claims, liabilities, costs and expenses, including reasonable attorneys’ fees, arising in any way from your misuse of the Site, your placement or transmission of any message, content, information, software or other materials through the Site, or your breach or violation of the law or of these Terms.

Notice of Arbitration Agreement:
These Terms & Conditions contain an Arbitration Agreement that may impact Your rights to use the courts to resolve disputes. Please carefully review the terms of the Arbitration Agreement below. If You do not wish to be bound by the Arbitration Agreement, do not use the Service as defined herein.

Notice of Class Action/Class Arbitration Waiver:
These Terms & Conditions include a waiver of Your right to proceed with class actions or class arbitrations. Please carefully review the Arbitration section for details. If You do not wish to waive rights to class-based relief, do not use the Service.

Agreement to Arbitrate
You, we, and any of our Partner Companies each agree that any and all disputes or claims that relate to or arise from your use of or access to our Services, or any products or services offered, sold, quoted, or purchased through our Services and/or affiliation with our Services, including any contact from our subsidiaries, affiliates, partner companies, insurance entities, or agents including, but not limited to, the Site Proprietor, shall be resolved exclusively through final and binding arbitration between us and you, or between our subsidiaries, affiliates, or agents and you, rather than in court, except that you may assert claims in small claims court, if your claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate section (this “Agreement to Arbitrate”).

Prohibition of Class and Representative Actions and Non-Individualized Relief
You and we agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding, including but not limited to actions under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq (with other codes not listed applying also). Unless both you and us agree otherwise, the arbitrator may not consolidate or join more than one person’s or party’s claims, and may not otherwise preside over any form of a consolidated, representative, or class proceeding. The arbitrator may award relief, including monetary, injunctive, and declaratory relief, only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party’s individual claim(s). Any relief awarded cannot affect our other users.

Arbitration Procedures
The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute arising out of or relating to the interpretation, applicability, enforceability or formation of this Agreement to Arbitrate, any part of it, or of these Terms including, but not limited to, any claim that all or any part of the Agreement to Arbitrate or these Terms is void or voidable.

The arbitration will be conducted by the American Arbitration Association (“AAA”) under its rules and procedures, including the AAA’s Supplementary Procedures for Consumer-Related Disputes (as applicable), as modified by this Agreement to Arbitrate. The AAA’s rules and a form for initiating arbitration proceedings is available on the AAA’s site at http://www.adr.org.

The arbitration shall be held in Los Angeles County, or at another agreed location permissible by the Site. If the value of the relief sought is $10,000 or less, you or we may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and us subject to the arbitrator’s discretion to require an in-person hearing, if the circumstances warrant. Attendance at an in-person hearing may be made by telephone by you and/or us unless the arbitrator requires otherwise.

The arbitrator will decide the substance of all claims in accordance with the laws of the State of California, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator shall not be bound by rulings in prior arbitrations involving other (or our other) users but is bound by rulings in prior arbitrations involving the same user to the extent required by applicable law. The arbitrator’s award shall be final and binding and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

This arbitration provision shall survive termination of this Agreement to Arbitrate and the termination of your use of or access to our Services, or any products or services sold, offered, or purchased through our Services.

Costs of Arbitration
Payment of all filing, administration and arbitrator fees will be governed by the AAA’s rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at your request, we will pay all filing, administration, and arbitrator fees associated with the arbitration. Any request for payment of fees by us should be submitted by mail to the AAA along with your Demand for Arbitration and we will arrange to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you can demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, we will pay as much of the filing, administration, and arbitrator fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. In the event the arbitrator determines the claim(s) you assert in the arbitration to be frivolous, you agree to reimburse us for all fees associated with the arbitration paid by us on your behalf (including potential additional fees), which you otherwise would be obligated to pay under the AAA’s rules.

Confidentiality
The arbitration proceedings and arbitration award shall be maintained by the parties as strictly confidential, except as is otherwise required by court order or as is necessary to confirm, vacate or enforce the award and for disclosure in confidence to the parties’ respective attorneys, tax advisors and senior management and to family members of a party who is an individual.

Severability
Except for any of the provisions in this Agreement to Arbitrate (“Prohibition of Class and Representative Actions and Non-Individualized Relief”), if an arbitrator or court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If an arbitrator or court decides that any of the provisions in Section 1 of this Agreement to Arbitrate (“Prohibition of Class and Representative Actions and Non-Individualized Relief”) is invalid or unenforceable, then the entirety of this Agreement to Arbitrate shall be null and void. The remainder of these Terms will continue to apply.

DISCLAIMER OF WARRANTIES.
THE SITE, INCLUDING, WITHOUT LIMITATION, ALL SERVICES, CONTENT, FUNCTIONS AND MATERIALS, IS PROVIDED “AS IS,” “AS AVAILABLE”, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, DATA PROCESSING SERVICES, OR UNINTERRUPTED ACCESS, ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, OR CONTENT OF INFORMATION, AND ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, AND WE HEREBY DISCLAIM ANY AND ALL SUCH WARRANTIES, EXPRESS AND IMPLIED. WE DO NOT WARRANT THAT THE SITE OR THE SERVICES, CONTENT, FUNCTIONS OR MATERIALS CONTAINED THEREIN WILL BE TIMELY, SECURE, UNINTERRUPTED OR ERROR FREE, OR THAT DEFECTS WILL BE CORRECTED. WE MAKE NO WARRANTY THAT THE SITE WILL MEET USERS’ REQUIREMENTS. NO ADVICE, RESULTS OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. IF YOU ARE DISSATISFIED WITH THE SITE, YOUR SOLE REMEDY IS TO DISCONTINUE USING THE SITE.

YOU SHOULD NOT RELY ON THE SITE TO MAINTAIN ANY USER SUBMISSION; YOU SHOULD RETAIN ALL SUCH DATA AND INFORMATION IN YOUR OWN RECORDS FOR USE IN THE EVENT THAT THE SITE FAILS OR IS UNAVAILABLE, OR THE DATA OR INFORMATION IS LOST.

LIMITATION OF LIABILITY.
IN NO EVENT SHALL THE SITE PROPRIETOR OR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS (COLLECTIVELY, THE “PROTECTED ENTITIES”) BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR THE INABILITY TO USE, THE SITE OR THE CONTENT, MATERIALS AND FUNCTIONS RELATED THERETO, OR ANY APPLICATIONS, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE, OR ANTICIPATED PROFITS OR LOST BUSINESS OR LOST SALES, EVEN IF SUCH PROTECTED ENTITY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN DAMAGES SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO CERTAIN USERS. IN NO EVENT SHALL THE PROTECTED ENTITIES BE LIABLE FOR OR IN CONNECTION WITH ANY CONTENT POSTED, TRANSMITTED, EXCHANGED OR RECEIVED BY OR ON BEHALF OF ANY USER OR OTHER PERSON ON OR THROUGH THE SITE.

Additional LIABILITY AND INDEMNIFICATION

We limit our liability as much as legally allowed when executing agreements with you. This means our responsibility for damages is reduced to the maximum extent permitted by law unless explicitly stated otherwise or agreed upon with you.

Additional Indemnification

You agree to indemnify us and our affiliates, officers, directors, partners, and employees from any claims or demands made by third parties due to or in connection with any culpable violation of these terms or third-party rights related to your use of the service to the extent allowed by law.

Additional Limitation of Liability

Unless explicitly stated otherwise and subject to applicable law, you cannot claim damages against us (or any individual or entity acting on our behalf).

However, this exclusion does not apply to damages affecting life, health, or physical integrity, damages arising from the breach of significant contractual obligations (such as those necessary to fulfill the contract's purpose), and/or damages resulting from intentional or gross negligence, provided that our website has been used appropriately and correctly by you.

Unless damages stem from intentional or gross negligence, or they impact life, health, or physical integrity, our liability is limited to typical and foreseeable damages at the time the contract was entered into.

US users - Disclaimer of warranties

Our website is provided on an “as is” and “as available” basis available in the United States only. When you use our service, you are doing so at your own risk. We explicitly state that we are not making any promises or guarantees, whether they are express, implied, or even required by law. These include assurances about the quality of the service, its suitability for your specific needs, or whether it infringes on anyone else's rights. Please keep in mind that any advice or information you receive from us or through our service does not create any warranties beyond what we have explicitly stated here.

Additionally, while we strive to provide accurate and reliable content, we cannot guarantee that it is always going to be the case. We do not guarantee that the service will always meet your requirements or be available when you need it. There might be interruptions, or it might not function correctly due to factors beyond our control. While we do our best to keep everything running smoothly, we cannot ensure that the service will be free of harmful elements like viruses. If you choose to download any content from our service, you are assuming the risk, and we are not responsible for any damage it might cause to your devices or data.

We do not endorse or guarantee any products or services advertised through our service or any links we provide. We are not involved in any transactions between you and third-party providers, so any interactions or agreements you make with them are solely your responsibility.

Our service might not always be accessible or may not work correctly with your web browser, mobile device, or operating system. While we strive to provide a seamless experience, we cannot guarantee it in every situation. As such, we want to clarify that we cannot be held responsible for any perceived or actual damages that result from issues related to the content, operation, or use of our service.

While we may have certain exclusions and limitations in our agreement, these may not apply to you depending on the laws of your jurisdiction. Federal law, as well as laws in some states and other jurisdictions, may offer protections that supersede our disclaimers and exclusions. This means that you may have specific legal rights that are not affected by our agreement. It is essential to understand your rights, as they may vary from state to state or country to country. We want to emphasize that any disclaimers or exclusions in our agreement will only be enforced to the extent permitted by applicable law.

Additional Limitation of liability

To the maximum extent permitted by applicable law, in no event shall we, along with our subsidiaries, affiliates, officers, directors, agents, partners, suppliers, or employees, be liable for:

· any indirect, punitive, incidental, special, consequential, or exemplary damages arising from or related to your use of, or inability to use, the service. This includes damages for loss of profits, goodwill, use, data, or other intangible losses;

· any damage, loss, or injury resulting from hacking, tampering, or unauthorized access to your account or the information within it;

· errors, mistakes, or inaccuracies in the content provided;

· personal injury or property damage resulting from your use of the service;

· unauthorized access to our secure servers or personal information stored therein;

· interruption or cessation of transmission to or from the service;

· bugs, viruses, trojan horses, or similar harmful elements transmitted through the service;

· errors or omissions in any content posted, transmitted, or made available through the service;

· defamatory, offensive, or illegal conduct of any user or third party. Our liability is limited to the amount you have paid us in the preceding 12 months, or the duration of your agreement with us, whichever is shorter.

All limitation of liability sections will apply to the fullest extent permitted by law in the applicable jurisdiction whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if you have been advised of the possibility of such damage.

Please note that in some jurisdictions, the exclusion or limitation of incidental or consequential damages may not be allowed. This means that these limitations or exclusions might not apply to you. You have specific legal rights, which may vary depending on your jurisdiction. The disclaimers, exclusions, and limitations of liability outlined here may not apply to the extent prohibited by applicable law.

Additional Indemnification

By using and accessing the service, you agree to defend, indemnify, and hold us, our subsidiaries, affiliates, officers, directors, agents, co-branders, partners, suppliers, and employees harmless from any claims, damages, losses, liabilities, costs, or expenses, including legal fees, arising from:

· your use of the service, including any data or content you transmit or receive;

· your violation of these terms, including any breach of representations and warranties;

· your violation of third-party rights, such as privacy or intellectual property rights;

· your violation of statutory laws, rules, or regulations;

· any content submitted from your account, including third-party access using username, password, or other security measures, including misleading, false, or inaccurate information;

· your intentional misconduct; or

· any statutory provision by you or your affiliates, officers, directors, agents, co-branders, partners, suppliers, and employees to the extent permitted by law.

COMMON PROVISIONS

No waiver

Our failure to assert any right or provision under these terms does not waive that right or provision. No waiver will constitute a continuing waiver of such term or any other term.

Service interruption

To maintain the best service level, we reserve the right to interrupt the service for maintenance, updates, or other changes, with appropriate notification. The service may be unavailable due to events beyond our reasonable control, such as infrastructure breakdowns or blackouts.

We may suspend or discontinue the service within legal limits. If discontinued, we will assist you in withdrawing personal data and respect your rights regarding continued product use and compensation under applicable law.

Service reselling

You may not reproduce, duplicate, copy, sell, or exploit any part of our website or its service without our express written permission, granted either directly or through a legitimate reselling programme.

Privacy policy

For information on the use of personal data, you can refer to our website's privacy policy.

Intellectual property rights

Without prejudice to any more specific provisions in these terms, all intellectual property rights associated with our website, including copyrights, trademark rights, patent rights, and design rights, are exclusively owned by us or our licensors. These rights are protected by applicable laws and international treaties concerning intellectual property.

All trademarks, whether nominal or figurative, and any other marks, trade names, service marks, word marks, illustrations, images, or logos associated with our website, are and remain the exclusive property of us or our licensors. These are also protected by applicable laws and international treaties related to intellectual property.

Changes to the terms

We reserve the right to modify these terms at any time, informing you of any changes. Such changes will only affect the relationship with you from the date communicated onwards.

Your continued use of the service will signify your acceptance of the revised terms. If you do not wish to be bound by the changes, you must stop using the service and terminate the agreement. The applicable previous version will govern the relationship prior to your acceptance. You can obtain any previous version from us.

If legally required, we will notify you in advance of when the modified terms will take effect.

Assignment of contract

We reserve the right to transfer, assign, dispose of by novation, or subcontract any or all rights or obligations under these terms, considering your legitimate interests. Provisions about changes to these terms will apply accordingly. You cannot assign or transfer your rights or obligations under these terms without our written permission.

Contact

All communications regarding the use of our website must be sent using the contact information provided in this document include contact form located here: Contact Form

Severability

Invalidity or unenforceability of any provision under applicable law will not affect the validity of other provisions, which will remain in full force and effect.

US users

Any invalid or unenforceable provision will be interpreted to the extent reasonably required to render it valid, enforceable, and consistent with its original intent. This document constitutes the entire agreement between you and us and supersede all other communications, including but not limited to prior agreements concerning such subject matter, to the fullest extent permitted by law.

Links from and to the Site.
You acknowledge and agree that we have no responsibility for the accuracy or availability of information provided by Web sites to which you may link from the Site as well as calls and phone numbers (“Linked Sites”). Links to Linked Sites do not constitute an endorsement by or association with us of such sites or the content, products, advertising or other materials presented on such sites. We do not author, edit, or monitor these Linked Sites. You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on such Linked Sites.

Links to Third Party Web Sites
If you use any links provided in the Site to Web sites not owned or maintained by Insurance-Auto ("Off-sites"), you will leave the Site. Insurance-Auto is not responsible for any Off-site's privacy policies or terms of use. No judgment or warranty is made with respect to the accuracy, timeliness, or suitability of the content of any Off-Sites, and Insurance-Auto takes no responsibility for such sites.

Privacy Policy
You can review our Privacy Policy here: Privacy Policy

Applicable Laws.
We control and operate this Site from our offices in the United States of America. We do not represent that materials on the Site are appropriate or available for use in other locations. Persons who choose to access this Site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable.

US users

Any invalid or unenforceable provision will be interpreted to the extent reasonably required to render it valid, enforceable, and consistent with its original intent. This document constitutes

the entire agreement between you and us and supersede all other communications, including but not limited to prior agreements concerning such subject matter, to the fullest extent permitted by law.

Governing law

These terms are governed by the law of the place where we are based, Los Angeles, CA United States of America as outlined in the relevant section of this document, without regard to conflict of laws principles.

Venue of jurisdiction

The jurisdiction over any controversy related to these terms lies with the courts of the place where we are based, as outlined in the relevant section of this document.

Surviving provisions

Our agreement will continue in effect until it is terminated by either our website or you. Upon termination, the provisions contained in this document that by their context are intended to survive termination or expiration will survive, including but not limited to the following:

· your grant of licenses under this document will survive indefinitely;

· your indemnification obligations will survive for a period of five years from the date of termination;

· the disclaimer of warranties and representations, and the stipulations under the section containing indemnity and limitation of liability provisions, will survive indefinitely.

Miscellaneous.
The Terms and the relationship between you and us shall be governed by the laws of the State of California without regard to its conflict of law provisions. You agree that any use of action that may arise under the Terms shall be commenced and be heard in the appropriate court in the State of California. You agree to submit to the personal and exclusive jurisdiction of the courts located within the State of California. Our failure to exercise or enforce any right or provision of the Terms shall not constitute a waiver of such right or provision. If any provision of the Terms is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the Terms remain in full force and effect.

These Terms and Conditions were last reviewed on June 1, 2025.

For information regarding the privacy policy for residents of the state of California. https://insurance-auto.com/privacy-notice-for-california-residents

OBA Opt-Out and Your Choices

Advertisers may collect data about your online browsing activity and use it to show you targeted ads (a process known as “behavioral advertising”). You can prevent these companies from showing you targeted ads by submitting opt-outs. Opting-out will only prevent targeted ads so you may continue to see generic (non-targeted ads) from these companies after you opt-out.

To opt-out, you can visit the Digital Advertising Alliance’s opt-out page to opt-out by clicking here.

You may opt-in to behaviorally targeted ads anytime by deleting your browser’s cookies.

Opting-Out of Interest-Based Mobile Ads

If you choose to opt-out of interest-based ads on your mobile device, you’ll still see ads, but they may not be related to factors such as your interests, previous visits to other websites, or demographic details. To do so, please follow directions for your device below:

iOS – https://support.apple.com/en-us/HT202074

Android – https://support.google.com/ads/answer/2662922?hl=en

European Union Privacy

The European Union (“EU”) maintains strict privacy laws. These rules differ significantly from the laws of the United States of America (“US”). To reconcile these differences, the US and the EU have created a safe harbor (“Safe Harbor”) that defines mutually acceptable privacy operations. For more information see www.export.gov/safeharbor. By providing information to us, you acknowledge that we operate in the US and you agree to (i) permit us to transmit and use your user information anywhere necessary, including across international boundaries, to better improve the services and transactions provided by Insurance-Auto.com; and (ii) that such use by us shall be subject to the terms and conditions stated in this Policy and our Terms of Use.

GDPR Rights to Personal Data Collection

Personal Data collected from EU citizens (“PD”) is collected only for legally necessary data retention and legitimate business purposes, which are our legitimate interests and where your rights and freedoms do not outweigh these interests. These include maintaining our services, for example by reviewing information associated with stalled or crashed pages, experienced by users allowing us to identify and fix problems, fraud suspicion in order to comply with legal obligations and laws, give you a better, safer experience, and monitor and improve the information security of our site and mobile applications.

PD is not stored or sold for commercial or profitability purposes. PD is not retained for any longer than it is necessary. PD is only accessed by personnel under confidentiality agreements with the necessary clearances. We have balanced the collection of your personal data, and our use thereof, against your interests, rights and freedoms and have chosen the least intrusive methods in order to satisfy our legitimate interest. You have the right to contact us to see what PD we have collected, to have that PD corrected and/or have it deleted.

We do not consider PD to include information that has been anonymized or aggregated so that it can no longer be used to identify a specific natural person, whether in combination with other information or otherwise.

Changes

Insurance-Auto.com may find it appropriate or necessary or may be legally obligated, to update this Policy from time to time. When we do, we will post those changes on this page and update the effective date (found at the bottom) so that you have a way to always become aware of the information we collect, how we use it, and under what circumstances we disclose it. For changes to this Policy that may be materially less restrictive on our use or disclosure of information you have already provided to us, we will attempt to obtain your consent (if we have the necessary contact information) before implementing such revisions with respect to such information, or notify you either by placing a prominent notice on the home page of our Website or by directly sending you a notification. For all other changes, it is your responsibility to review this Policy frequently and remain informed about any changes to it, so we encourage you to visit this page often.