Terms And Conditions Of Use
Terms of Service
These Terms of Service apply to QuoteNest.com and any affiliated domains and websites (collectively, the “Sites”) operated under the “QuoteNest” brand by QuoteNest, Inc. References to “We,” “QuoteNest,” or the “Company” apply to these entities as relevant. By using our Sites, you agree to these terms, along with our Privacy Policy (the “QuoteNest Privacy Policy”), which together constitute the “Terms.”
Service
QuoteNest acts as a platform that connects consumers with third-party insurance agents, companies, and similar parties (“Providers”) who offer insurance products and services. Through our Service, you can compare various insurance options provided by these third-party Providers. Our Service is free for you, and we may receive commissions or fees from the Providers featured on our platform. Note that we are not a licensed insurance agency, and insurance offerings may not be available in all states. You must be of legal age to use our Service and comply with the laws of your state.
QuoteNest is a content platform only and does not sell insurance products directly. Any insurance information or offers you receive come from Providers, and all terms, conditions, and eligibility are determined solely by the Provider. We do not provide advice, make recommendations, or endorse specific insurance products or Providers. It is your responsibility to evaluate the information and make decisions based on your individual needs.
The quotes provided on our Sites are generated by third-party Providers and may not always reflect the most up-to-date information. These quotes are not bookable rates and may change once additional details are provided to the Providers. We cannot guarantee that the terms or pricing offered are the best available.
QuoteNest works with various Providers and may receive compensation for featuring their services. Pricing and availability are determined by Providers based on the accuracy of the information you provide and additional data they may collect.
QuoteNest does not provide direct applications for insurance policies but acts as an intermediary to help connect you with relevant Providers. Any errors in the information you provide could result in inaccurate quotes or invalid policies. We may share your information with third parties to deliver our Services.
Warranties and Disclaimers
We aim to provide our Services using reasonable care and skill, but we make no specific promises about the Service. OUR SERVICE IS PROVIDED “AS IS” WITHOUT WARRANTIES. WE EXCLUDE ALL IMPLIED WARRANTIES, INCLUDING THOSE OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT TO THE FULLEST EXTENT PERMITTED BY LAW.
Liability of Our Services
WHERE PERMITTED BY LAW, QUOTENEST AND ITS PROVIDERS WILL NOT BE LIABLE FOR LOST PROFITS, REVENUES, DATA, OR PUNITIVE DAMAGES. OUR LIABILITY IS LIMITED TO THE AMOUNT YOU PAID TO USE THE SERVICE, OR WE MAY CHOOSE TO PROVIDE THE SERVICE AGAIN.
Prohibited Activities
All content and information on our Sites is proprietary to QuoteNest. You agree not to modify, copy, distribute, or sell any content, software, or services obtained from our Sites. Additionally, you agree not to:
(i) Use our Sites for commercial purposes without permission
(ii) Access content using automated means without our consent
(iii) Circumvent measures to prevent unauthorized access
(iv) Impose an unreasonable load on our infrastructure
(v) Deep-link or frame parts of our Sites without permission
(vi) Modify or reverse-engineer any software used by QuoteNest.
Phone, SMS, Pre-recorded Voice & Email Messages
When using our Services, you may receive communications from QuoteNest via phone, text, or email. By opting in, you agree to the following:
(i) You give express consent to receive marketing communications from QuoteNest or its partners via phone, text, and email, even if your phone number is on the Do Not Call Registry.
(ii) Consent is not required to receive quotes.
(iii) You may cancel SMS services by texting “STOP.” A confirmation will be sent.
(iv) Standard message and data rates may apply. Contact your provider for details.
Governing Law
These Terms are governed by the laws of California. All claims will be litigated exclusively in the state or federal courts in [Location], and both you and QuoteNest consent to personal jurisdiction in those courts.
Indemnity
By using our Sites, you agree to indemnify and hold QuoteNest and its partners harmless from any claims or damages arising from your use of the Sites. We reserve the right to assume the defense of any claim at your expense.
Dispute Resolution
To the fullest extent permitted by law, disputes between you and QuoteNest will be resolved by binding arbitration rather than in court. You waive any right to participate in a class action, and disputes will be handled individually.