Terms of Service

Welcome to PrivacyQuote.com. These Terms of Service ("Terms") govern your access to and use of the PrivacyQuote.com website (the "Site") and our insurance quote comparison and AI-powered verification services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms.

1. Acceptance of Terms

By using our Site or Services, you confirm that you are at least 18 years old, have the legal capacity to enter into a binding agreement, and agree to comply with these Terms. If you do not agree, please do not use our Services.

2. Description of Services

PrivacyQuote.com provides a privacy-first platform that helps consumers obtain auto insurance quotes. Our Services include:

• Collection of your insurance quote request information
• AI-powered text messaging to verify and confirm your details
• Connection to licensed insurance agents or carriers only upon your explicit consent
• Educational content about insurance options

3. User Responsibilities

When using our Services, you agree to:

• Provide accurate, complete, and current information in all forms and communications
• Not use the Services for any unlawful purpose or in violation of these Terms
• Not attempt to gain unauthorized access to our systems or other users' accounts
• Not interfere with or disrupt the Services or servers/networks connected to them
• Not use automated systems (bots, scrapers) to access the Services without permission
• Not impersonate any person or entity

4. SMS/Text Messaging Terms

By providing your phone number, you consent to receive automated text messages from PrivacyQuote.com for quote verification purposes. You understand that:

• Message and data rates may apply based on your carrier plan
• You can opt out at any time by replying STOP to any message
• Message frequency varies based on your interactions
• Text messages are for verification only—we do not share pricing via text
• Consent is not a condition of purchasing any goods or services

5. Privacy and Data Use

Your privacy is important to us. Our collection, use, and sharing of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. Key points:

• We do not sell your personal information
• We share your information with insurance professionals only with your explicit consent
• You have rights to access, correct, and delete your data

6. Intellectual Property

All content on the Site, including text, graphics, logos, icons, images, and software, is the property of PrivacyQuote.com or its content suppliers and is protected by U.S. and international copyright laws. You may not reproduce, distribute, modify, or create derivative works without our prior written consent.

7. Disclaimers

No Insurance Advice

The information provided through our Services is for general informational purposes only and does not constitute insurance advice. Always consult with a licensed insurance professional for advice specific to your situation.

Service Availability

We strive to maintain Service availability but do not guarantee uninterrupted access. We may modify, suspend, or discontinue any aspect of the Services at any time without notice.

"As Is" Provision

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PRIVACYQUOTE.COM AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR USE, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES.

Our total liability for any claims arising from these Terms or your use of the Services shall not exceed the greater of $100 or the amount you paid us in the 12 months preceding the claim.

9. Indemnification

You agree to indemnify, defend, and hold harmless PrivacyQuote.com and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from your use of the Services or violation of these Terms.

10. Dispute Resolution

Governing Law

These Terms are governed by the laws of the State of California, without regard to conflict of law principles.

Arbitration

Any dispute arising from these Terms or the Services shall be resolved through binding arbitration in Fresno County, California, in accordance with the American Arbitration Association's rules. You waive any right to participate in a class action lawsuit or class-wide arbitration.

11. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on the Site with a new "Last Updated" date. Your continued use of the Services after changes constitutes acceptance of the revised Terms.

12. Termination

We may terminate or suspend your access to the Services at any time, with or without cause, with or without notice. Upon termination, your right to use the Services ceases immediately.

13. Miscellaneous

• Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and PrivacyQuote.com.
• Severability: If any provision is found unenforceable, the remaining provisions remain in effect.
• Waiver: Our failure to enforce any right or provision does not constitute a waiver.
• Assignment: You may not assign these Terms without our consent. We may assign our rights freely.

14. Contact Us

For questions about these Terms of Service: