These General Terms of Use ("Terms") are a legal and binding agreement between you ("You," "Your," or "Yourself") and ExpertQuote Insurance Services ("ExpertQuote," "We," "Us," or "Our"). These Terms govern your use of our website (www.expertquote.com), including all information, content, products, materials, web-based applications, and services made available by us or third parties (collectively, "the Services"). Please read these Terms carefully. By accessing, using, creating an account, or registering for the Services, you agree to be bound by these Terms. The Services are available only to users who are 16 years of age or older. If you are under 16 or otherwise unable to accept these Terms, please discontinue your use of the Services.

Access to the Services

Minimum Requirements: To use the Services, you must have secure internet access and any necessary equipment to connect to the internet.

- Additional Requirements: To access certain Services, you may be asked to provide registration details or other information. Some Services may require you to appoint ExpertQuote as your broker of record. Any information you provide must be true, accurate, and complete, and is subject to our Privacy Policy.

- Account Security: If you are provided with a username, password, or other security information, you must keep it confidential and not share it with anyone. Notify us immediately if you suspect unauthorized use of your account. Ensure you log out after each session, especially when using public or shared computers.

- Operation, Modification, or Discontinuation of the Services:** We will strive to keep the Services operational, but technical difficulties, maintenance, upgrades, or events beyond our control may cause temporary interruptions. We reserve the right to modify, suspend, or discontinue any part of the Services at any time without notice. We may also disable any account at our discretion if these Terms are violated.

License Grant and Scope of Use

- Generally: The Services and all content (including text, files, applications, images, videos, and design) are owned by ExpertQuote or its licensors and are protected by intellectual property laws. You may use the Services for your internal business use only and must not modify, distribute, or reproduce any content except as explicitly allowed in these Terms.

- No Rights Granted: All rights to the Services and Content are reserved by ExpertQuote. No rights, titles, or interests are transferred to you.

- Feedback: Any feedback you provide regarding the Services can be used by ExpertQuote for any purpose without obligation to you.

Changes to These Terms

ExpertQuote reserves the right to change, modify, add, or remove portions of these Terms at any time by posting changes to www.expertquote.com/terms. It is your responsibility to review these Terms periodically. Continued use of the Services after changes are posted constitutes your acceptance of the changes.

Your Responsibilities

- Representation and Warranty: You represent that you have the right, power, and authority to enter into these Terms.

- Your Information: Any information you provide must be true, accurate, and complete.

- Prohibited Activities: You may not:

- Reverse engineer or attempt to access the source code of the Services.

- Use the Services for competitive analysis or to develop a competing product.

- Frame, mirror, lease, sell, or make the Services available to third parties.

- Use automated systems (e.g., robots, spiders) to access the Services.

- Use the Services to perform illegal, harmful, or offensive activities.

Use of Information and Content

- ExpertQuote’s Use of Your Information:
ExpertQuote may collect and use your information to improve the Services and develop or market other products. Any use of your information will be in accordance with our Privacy Policy.

- Reliance on Information: The information on the website is for general purposes only and may not be accurate or complete. Use of this information is at your own risk.

- Reliance on Services: The Services and Content do not constitute professional advice (e.g., legal, tax). Consult your ExpertQuote broker for specific advice.

Disclaimer of Warranties

The Services are provided "as is" without any warranties. ExpertQuote disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. ExpertQuote does not guarantee that the Services will meet your requirements or be error-free.

Limitation of Liability

ExpertQuote and its affiliates will not be liable for any direct, indirect, incidental, special, punitive, or consequential damages arising from your use of the Services. This includes, but is not limited to, damages from errors in content, unauthorized access, service interruptions, viruses, or other harmful components. This limitation applies even if your remedies fail of their essential purpose.

Other Important Provisions

- Term: These Terms are effective as long as you use the Services.

- Termination: We may terminate these Terms or your access to the Services at any time if you violate these Terms. You may terminate these Terms by discontinuing use of the Services.

- No Waiver: Failure to enforce any provision of these Terms does not waive the right to enforce it later. Any legal action must be brought within one year of the cause of action arising.

-Survival: Any provisions necessary to enforce the Terms will survive termination.

- Third-Party Beneficiaries: You may not assign your rights under these Terms without our written consent. These Terms do not confer any rights to third parties.

- Governing Law; Venue: These Terms are governed by California law. All disputes must be litigated in state or federal courts in California.

- Relationship to Other Agreements: These Terms, along with any other policies or agreements referenced, constitute the entire agreement between you and ExpertQuote.

Updated as of: August 23, 2024