Terms and Conditions

Terms and Conditions

Last Updated: 04/20/2023

Welcome to Insurance-Quotes.Online (the “Site”), operated by IYM365 (“we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your access to and use of the Site, including any forms, content, functionality, and services offered on or through the Site. By accessing or using the Site, submitting information through our forms, or otherwise interacting with us, you agree to be bound by these Terms. If you do not agree, do not use the Site.

1. Description of Services

We operate as a third-party lead generation service connecting users with insurance brokers, agents, and affiliates who may provide insurance quotes, services, or related products. By submitting information via our forms (e.g., name, contact details, insurance needs), you authorize us to:

  • Match you with relevant insurance providers, brokers, agents, or affiliates.
  • Share your information with these third parties for the purpose of providing quotes, services, or offers.
  • Contact you directly or through affiliates via phone (including automated or prerecorded calls from humans or AI agents), text message (SMS/MMS from humans or AI agents), email (from humans or AI agents), or other electronic means to solicit, advertise, offer, or discuss goods, services, promotions, or related opportunities.

Your submission constitutes your express written consent to receive such communications, even if your number is on a Do Not Call list. You may revoke consent at any time (see Section 7).

We do not provide insurance ourselves and are not responsible for the actions, services, or products of any third parties we connect you with.

2. Eligibility

You must be at least 18 years old and legally capable of entering into binding contracts to use the Site. By using the Site, you represent that you meet these requirements.

3. User Information and Consent

When you submit information through our forms, you represent that it is accurate, complete, and your own. You grant us and our affiliates a non-exclusive, royalty-free, perpetual license to use, store, share, and process this information for the purposes described herein, including marketing and solicitation.

Express Consent for Communications: By checking the appropriate box(es) on our forms or otherwise submitting your information, you provide prior express written consent under the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, and other applicable laws to receive marketing communications from us and our affiliates via:

  • Autodialed or prerecorded phone calls (by human or AI agents).
  • Automated or manual text messages (SMS/MMS).
  • Emails (automated or manual).
  • Other electronic or telecommunication methods.

These communications may include solicitations, advertisements, offers for insurance, related goods/services, promotions, or newsletters. Consent is not a condition of purchase, but opting in allows us to provide better matching services. Standard message and data rates may apply.

We may share your information with affiliates (e.g., insurance brokers, agents, or marketing partners) who may contact you similarly. You agree that such sharing and contacts are authorized.

4. Intellectual Property

All content on the Site (e.g., text, graphics, logos) is owned by us or our licensors and protected by copyright, trademark, and other laws. You may not reproduce, distribute, or create derivative works without our written permission.

5. Prohibited Conduct

You agree not to:

  • Use the Site for illegal purposes or in violation of any law.
  • Submit false or misleading information.
  • Interfere with the Site’s functionality or security.
  • Harvest or collect data from the Site without permission.

6. Third-Party Links and Services

The Site may link to third-party sites or services. We are not responsible for their content, privacy practices, or actions. Your interactions with them are governed by their terms.

7. Opt-Out and Revocation of Consent

You may opt out of communications at any time by:

  • Replying “STOP” to any text message.
  • Clicking “unsubscribe” in any email.
  • Calling us at 332-296-2963 or emailing Support@Insurance-Quotes.Online.
  • Revoking consent does not affect prior communications or data shared before revocation.

8. Disclaimer of Warranties

The Site and services are provided “as is” without warranties of any kind, express or implied. We do not guarantee accuracy, completeness, or results from using the Site or matched services.

9. Limitation of Liability

To the fullest extent permitted by law, we and our affiliates shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Site, even if advised of the possibility. Our total liability shall not exceed $100.

10. Indemnification

You agree to indemnify and hold us harmless from any claims, losses, or damages arising from your use of the Site, violation of these Terms, or infringement of third-party rights.

11. Governing Law and Dispute Resolution

These Terms are governed by the laws of the United States of America without regard to conflicts of law principles. Any disputes shall be resolved exclusively in the courts of Arizona.

12. Changes to Terms

We may update these Terms at any time. Continued use after changes constitutes acceptance. Check this page periodically.

13. Contact Us

For questions, contact Insurance-Quotes.Online at Support@Insurance-Quotes.Online or 332-296-2963.