Terms of Services

Please read these Terms and Conditions of Use carefully before using this website.


The following Terms of Use govern your access to and use of this website (the “Site”) and the services provided through it (the “Services”). By accessing or using the Site or its Services, you agree to be bound by these Terms of Use and confirm that you are at least 18 years old. If you do not agree to these Terms, in whole or in part, please refrain from using the Site or the Services.


These Terms & Conditions take effect from the last updated date shown above. We may update them at any time, so please review this page periodically. Your continued use of the Site or Services after any changes indicates your acceptance of the revised terms.

The services

Most information provided through the Service is intended for general informational and educational purposes. Certain information is provided at the point of sale for commercial purposes.

Our Services may include the promotion of third-party insurance products, brokers, and carriers through advertisements, insurance quotes, online purchases, emails, phone calls, text messages, or other marketing channels. By using our Services, you acknowledge and agree that third parties may contact you on our behalf.

We also provide formal quoting, brokering, and transactions for both first- and third-party insurance products as a licensed insurance agency.

Any quotes or quote ranges provided on the Site or over the phone are non-binding. The final premium for any policy will be determined by the underwriting insurance company after your application is reviewed. Insurance product availability and coverage options may vary by state and your specific circumstances, and some states may require additional minimum coverage limits. Third-party insurance products offered through the Site are available only in jurisdictions where we hold the proper licenses.

Certain Services may require you to agree to additional terms and conditions or enter into separate agreements with us or relevant third parties. Any third-party insurance products you purchase through the Site will be subject to the applicable insurance carrier’s contract terms. In the event of any conflict between these Terms of Use and the terms of an insurance policy, the terms of the insurance policy will take precedence.

User conduct

You agree NOT to use this website for any of the following activities: engaging in or supporting any illegal activity; transmitting or storing viruses, worms, or any other harmful code; threatening, harassing, abusing, impersonating, injuring, or intimidating others; interfering with another user’s access to the website (except where necessary to comply with these Terms of Use); sending spam, collecting information for spam purposes, or sending unsolicited email advertisements; decompiling, disassembling, reverse engineering, or attempting to discover the website’s source code; disguising the origin of content transmitted through the website or manipulating your online presence; or launching automated systems that access the website and send more requests to its servers in a given timeframe than a human could reasonably produce using a standard web browser.

Intellectual property

The Site contains various materials, including text, graphics, images, photos, and other content provided by or on our behalf. Through your use of the Services, you may also receive additional information from us. Collectively, these materials and information are referred to as the “Content.” The Content is owned by us and/or our licensors and may be protected under U.S. and international copyright laws and treaties. This includes, but is not limited to, trademarks, service marks, and logos displayed on the Site, which may be registered or unregistered marks owned by us or our licensors.

Without our prior written permission, you may not: use any trademarks, service marks, or logos in any manner; copy or use the Content for any purpose; remove copyright or other proprietary notices from the Content; sell, transfer, assign, license, sublicense, or modify the Content; use the Content for any public or commercial purpose; or post, publish, or otherwise distribute the Content.

Unsolicited information

We provide Services for inquiries and peer-to-peer interactions, and you are solely responsible for how you use them. By submitting any unsolicited information or materials—such as comments, ideas, questions, or other similar communications (“Unsolicited Information”)—you agree to the following terms.

We may use such communications or materials for any purpose, whether commercial or otherwise, including but not limited to reproduction, disclosure, transmission, publication, broadcast, or further posting, without providing any compensation to you. Additionally, we may freely use any ideas, concepts, know-how, or techniques included in any communication or material you submit for any purpose, including but not limited to developing, manufacturing, and marketing products.

Collection and use of information

When you use the Services, information—possibly including personally identifiable information—may be transmitted. Any collection or use of such information through the Website is governed by our Privacy Policy, which is incorporated herein by reference in its entirety. We strongly encourage you to read and understand the terms of our Privacy Policy.

Disclaimer and limitation of liability

You acknowledge and agree that the Site, the Services, and all Content are provided on an “as is” and “as available” basis, without any warranties of any kind, whether express or implied, including but not limited to warranties of title, non-infringement, merchantability, or fitness for a particular purpose. We are not responsible for any damage to, or viruses that may infect, your computer or other property as a result of your access to or use of the Site, the Services, or any Content.

Many insurance products quoted or sold through the Site are provided by third parties and are not our products. We make no representations or warranties regarding these third-party products and accept no liability in connection with them. All such products are offered pursuant to the terms and conditions of the insurance carrier that provides them.

In no event shall we be liable for any direct, indirect, special, punitive, exemplary, or consequential damages, including lost profits, revenues, or savings, even if we have been advised in advance of the possibility of such damages. Some jurisdictions do not allow limitations or exclusions of liability for negligence, consequential, incidental, or other damages; in such cases, our liability will be limited to the maximum extent permitted by applicable law. Your sole and exclusive remedy for dissatisfaction with the Site, any Service, or any Content is to discontinue using them.

External sites

The Site may include links to third-party websites, such as those of insurance carriers offering products through our Services (“External Sites”). We have no control over these External Sites, do not endorse them, and are not responsible for their content. We are also not liable for the actions, products, or materials of these External Sites. They are provided solely for your convenience and are accessed entirely at your own risk. However, we aim to maintain the integrity of our Website and welcome feedback about external links, including reports of broken links.

The Site may also feature interactive social media tools—such as the Facebook “Like” button, “Share This” button, or other widgets—that connect to External Sites (collectively, the “Features”). These Features may collect information such as your IP address and the page you are visiting on our Website, and they may place cookies to ensure proper functionality. The Features may be hosted by a third party or directly on our Website, and your interactions with them are governed by the privacy policy of the corresponding External Site.

Before using any External Site, please review its terms of use and privacy policy for further details.

Indemnification

You agree to defend, indemnify, and hold harmless us, along with our officers, directors, employees, successors, licensees, and assigns, from and against any claims, actions, or demands—including reasonable legal and accounting fees—that arise from or result from: (i) your violation of these Terms of Use; or (ii) your access to, use of, or misuse of the Site, any Services, or any Content.

Termination

We may terminate these Terms of Use and your access to any or all parts of the Site or Services at any time, for any reason, without prior notice or liability. We also reserve the right to modify, suspend, or discontinue any portion of the Site or Services at any time, without prior notice or liability.

Miscellaneous

If any part of these Terms of Use is found to be invalid or unenforceable, it will be interpreted as closely as possible to the original intent of the parties under applicable law, and the remaining provisions will continue in full force and effect. The sections titled Indemnification, Disclaimer, Limitation of Liability, and Intellectual Property will survive termination of these Terms of Use.

You may not assign these Terms of Use. No waiver of any provision will be effective unless it is in writing. Neither the conduct between the parties nor any trade practice will modify these Terms of Use.

We operate and control the Website from our offices in the State of Washington, United States of America. These Terms of Use are governed by, and shall be construed in accordance with, the laws of the State of Washington. You are solely responsible for complying with all laws and regulations applicable to your access and use of the Website. Except for actions we bring to protect our intellectual property or confidential information—which may be filed in any court with proper jurisdiction—all disputes arising from these Terms will be resolved exclusively in the state or federal courts located in King County, Washington.

These Terms of Use represent the entire agreement between the parties regarding the subject matter herein and replace all prior agreements and communications, whether oral, written, or otherwise, relating to the same subject.