These Terms of Service ("Terms") govern your access to and use of the AutoCoverage US website and services (collectively, the "Service"). By using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
1. Eligibility
You must be at least 18 years old and a legal resident of the United States to use the Service. By using the Service, you represent and warrant that you meet these requirements and that the information you provide is accurate, current, and complete.
2. Nature of the Service
The Service is an advertising and lead-referral platform. When you submit a quote request or click a call button, we may:
- Route your call to a licensed insurance agent or call center.
- Share the information you provide with one or more licensed insurance agents, brokers, or carriers.
- Display information about insurance products offered by third parties.
We do not underwrite, issue, bind, or service any insurance policy. Availability of quotes and coverage depends on the third-party agent or carrier and your eligibility under their guidelines.
3. No Guarantees; No Insurance Advice
We make no representations or warranties that:
- You will receive a quote, be offered coverage, or save money.
- Any specific carrier, price, or discount will be available to you.
- Content on the Service is complete, accurate, or up to date.
Nothing on the Service constitutes legal, financial, or insurance advice. Always consult a licensed insurance professional before making coverage decisions.
4. Consent to Be Contacted
By providing your phone number, email, or other contact information, you consent to be contacted by AutoCoverage US and its partners regarding auto insurance, including by autodialed calls, prerecorded voice messages, SMS, or email — even if your number is on a state or federal Do-Not-Call list. Consent is not a condition of purchase. See our Privacy Policy for details.
5. Acceptable Use
You agree not to:
- Submit false, misleading, or another person's information without their permission.
- Use the Service for any unlawful purpose or in violation of these Terms.
- Interfere with the Service's operation, security, or other users.
- Scrape, harvest, or automate access to the Service without our prior written consent.
- Reverse-engineer, copy, or resell any part of the Service.
6. Intellectual Property
All content on the Service — including text, graphics, logos, and code — is owned by AutoCoverage US or its licensors and protected by US and international intellectual property laws. You may not copy, modify, distribute, or create derivative works without our prior written consent.
7. Third-Party Content & Links
The Service may contain links to or content from third parties, including insurance carriers and agents. We do not endorse, control, or assume responsibility for any third-party content, products, or services. Your dealings with third parties are solely between you and them.
8. Disclaimer of Warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY LAW.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, AUTOCOVERAGE US AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY, IF ANY, WILL NOT EXCEED ONE HUNDRED DOLLARS (US$100).
10. Indemnification
You agree to indemnify and hold harmless AutoCoverage US, its affiliates, officers, employees, and partners from any claim, loss, or expense (including reasonable attorneys' fees) arising out of your use of the Service, your violation of these Terms, or your violation of any law or third-party right.
11. Governing Law & Disputes
These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law rules. Any dispute arising from these Terms or the Service will be resolved exclusively in the state or federal courts located in Delaware, and you consent to the personal jurisdiction of those courts.
12. Changes to These Terms
We may update these Terms from time to time. The "Last updated" date reflects the most recent revision. Your continued use of the Service after changes take effect means you accept the updated Terms.
13. Termination
We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including violation of these Terms.
14. Contact Us
Questions about these Terms? Reach us at:
AutoCoverage US
Email: legal@autocoverageus.com
Phone: INSERT_PHONE