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AutoInsuranceForLess is a product and/or service matching service, matching consumers with persons or companies that offer products and/or services of interest to the consumer. AutoInsuranceForLess is not a licensed broker, carrier or direct provider of insurance products or services. Your responses and the information you choose to submit in order to obtain a quote will help us improve the accuracy of your quote results. You understand, acknowledge and agree that the information you choose to provide to us will be collected, stored, and transmitted only to our partners and solely for the purpose of matching you with companies who can provide you with quotes. Make sure to compare rates and fees as they can vary between insurance providers and may depend on the state in which you reside. The lowest advertised rates are not necessarily available from all advertisers on our site. AutoInsuranceForLess matches users to advertisers, insurance agents and marketing partners only after we've received certain information from you, and your rates may vary based on your coverage limits, deductibles, driving history, education, occupation, type of vehicle, and location, among other factors.* Privacy Policy
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AUTOINSURANCEFORLESS TERMS & CONDITIONS The AutoInsuranceForLess website located at www.autoinsuranceforless.info (the "Site") will enable you to access information about various types of insurance, insurance options and provider information. When you use this Site, you represent and warrant that you understand that the Site is not affiliated with or managed, endorsed or sanctioned by any insurance carrier or any state or federal governmental entity. THE AGREEMENT CONTAINS DISCLAIMERS OF WARRANTIES, LIMITATIONS OF LIABILITY, RELEASES, A CLASS-ACTION WAIVER AND THE REQUIREMENT TO ARBITRATE ANY AND ALL CLAIMS THAT MAY ARISE HEREUNDER. THE AFOREMENTIONED PROVISIONS ARE AN ESSENTIAL BASIS OF THE AGREEMENT. The Site is an Internet property of AutoInsuranceForLess and its affiliated companies ("AutoInsuranceForLess," "we," our or "us"). You are agreeing to comply with and be bound by the following AutoInsuranceForLess Terms and Conditions ("Terms and Conditions") when you: (a) access the Site; (b) apply for, request or obtain information and/or rate quotes (Rate Quote Services) regarding certain third party insurance-related products and/or services (collectively, Third Party Quotes and Products) as offered by our third party insurance service providers (Third Party Service Providers); and/or (c) view certain content, links and other material pertaining to the Third Party Service Providers, the Third Party Quotes and Products and other related text, graphics, photos and other content (collectively, Content, and together with the Site, Rate Quote Services and Site, theSite Offerings).
The AutoInsuranceForLess Privacy Policy ("Privacy Policy") and any and all other applicable AutoInsuranceForLess operating rules, policies, price schedules and other supplemental terms and conditions that may be published from time to time are expressly incorporated herein by reference (collectively, the "Agreement"). Please review the following terms of the Agreement carefully. If you do not agree to these Terms and Conditions and the terms of the Agreement in their entirety, you are not authorized to use the Site Offerings in any manner or form. AUTOINSURANCEFORLESS IS A PRODUCT AND/OR SERVICE MATCHING SERVICE, MATCHING CONSUMERS WITH PERSONS OR COMPANIES THAT OFFER PRODUCTS AND/OR SERVICES OF INTEREST TO THE CONSUMER. AUTOINSURANCEFORLESS IS NOT A LICENSED BROKER, CARRIER OR DIRECT PROVIDER OF INSURANCE PRODUCTS OR SERVICES. IN ORDER TO PERFORM THE MATCHING SERVICES AND ENABLE YOU TO SECURE A QUOTE FROM A PROVIDER, AUTOINSURANCEFORLESS MAY REQUIRE YOU TO SUBMIT HEALTH INFORMATION. YOUR RESPONSES AND THE INFORMATION YOU CHOOSE TO SUBMIT IN ORDER TO OBTAIN A QUOTE WILL HELP US IMPROVE THE ACCURACY OF YOUR QUOTE RESULTS. YOU UNDERSTAND, ACKNOWLEDGE AND AGREE THAT THE INFORMATION YOU CHOOSE TO PROVIDE TO US WILL BE COLLECTED, STORED AND TRANSMITTED ONLY TO OUR PARTNERS AND SOLELY FOR THE PURPOSE OF MATCHING YOU WITH THIRD PARTY PROVIDERS WHO CAN PROVIDE YOU WITH QUOTES. 1. Acceptance of Agreement; Modification. You agree to the terms and conditions outlined in the Agreement with respect to your use of the Site Offerings. The Agreement constitutes the entire and only agreement between you and AutoInsuranceForLess with respect to your use of the Site, and supersedes all prior and contemporaneous agreements, representations, warranties and/or understandings with respect to the Site Offerings. We may amend the Agreement from time to time in our sole discretion, without specific notice to you; provided, however, that any amendment or modification to the arbitration provisions, prohibition on class actions provisions or any other provisions applicable to dispute resolution (collectively, "Dispute Resolution Provisions") shall not apply to any disputes incurred prior to the applicable amendment or modification. The latest Agreement will be posted on the Site, and you should review the Agreement prior to using the Site Offerings. By your continued use of the Site Offerings after the Agreement has been changed, you hereby agree to comply with all of the terms and conditions contained within the Agreement effective at that time (other than with respect to disputes arising prior to the amendment or modification of the Dispute Resolution Provisions, which shall be governed by the Dispute Resolution Provisions in effect at the time of the subject dispute). Therefore, you should regularly check this page for updates and/or changes. 2. Requirements; Termination of Access. The Site Offerings are available only to individuals who can enter into legally binding contracts under applicable law and who are over eighteen (18) years of age (or the applicable age of majority, if greater than eighteen (18) years of age in their jurisdiction). If a user is under eighteen (18) years of age (or the applicable age of majority, if greater than eighteen (18) years of age in her/his jurisdiction) and/or if that user is unable to enter into legally binding contracts under applicable law, that user does not have permission to use and/or access the Site Offerings. AutoInsuranceForLess may terminate any users access to the Site Offerings at any time and for any reason, in its sole discretion. Such reasons may include, without limitation, where AutoInsuranceForLess believes that such user is: (a) in any way in breach of the Agreement; and/or (b) engaged in any improper conduct in connection with the SiteOfferings.
3. Description of Site Offerings. The Site provides users with an opportunity to apply for certain Third Party Quotes and Products, as offered by AutoInsuranceForLess's Third Party Service Providers. Please be advised that AutoInsuranceForLess does not itself provide insurance products and/or services, and the ultimate terms and conditions of any product or service provided by its Third Party Service Providers will be determined by those Third Party Service Providers. To qualify to receive Insurance Services, you must first fully complete the application form located at the Site ("Site Application") and, in some cases, the application form set forth on the applicable Third Party Service Provider's website ("TP Application" and together with the Site Application, the "Full Application"). The information that you will supply on the Site Application may include, but not be limited to: (a) your full name; (b) mailing address; (c) e-mail address; (d) home, work and/or mobile telephone numbers; (e) who you intend to be covered by the policy; (f) the dollar amount of coverage you are intending to purchase; (g) the length of time of the coverage you are seeking; (h) whether you have used tobacco in the last twelve (12) months; (i) date of birth; (j) height and weight; (k) certain questions regarding your medical history; and (l) any and all other information requested on the applicable registration form (collectively, the "Site Registration Data"). The Site Application form will set forth the exact information that is required. AutoInsuranceForLess's use of the Site Registration Data shall be governed by the Privacy Policy. To access the Privacy Policy, please click here. Upon entering your Site Registration Data and clicking on the applicable submission button on the Site, you may be redirected to the website of a Third Party Service Provider. AutoInsuranceForLess may also transfer your Site Registration Data to its Third Party Service Providers in connection with facilitating the processing of your Third Party Quotes and Products application. The information that you must supply on the TP Application shall be determined by the applicable Third Party Service Provider(s) (the "TP Registration Data" and, together with the Site Registration Data, the "Registration Data"). Any information that you supply to any Third Party Service Provider shall be governed by that Third Party Service Provider's privacy policy. Third Party Quotes and Products application approval, and the ultimate terms and conditions of any product or service provided by any Third Party Service Provider(s), will be determined by those Third Party Service Providers. Unless explicitly stated otherwise, any future offer(s) made available to you on the Site that augment(s) or otherwise enhance(s) the current features of the Site shall be subject to the Agreement. You understand and agree that AutoInsuranceForLess is not responsible or liable in any manner whatsoever for your use of, or inability to use and/or qualify for, Insurance Services or other Third Party Service Provider sponsored products and/or services, or for any dispute between you and any Third Party Service Providers. You understand and agree that AutoInsuranceForLess shall not be liable to you or any third party for any modification, suspension or discontinuation of any product, service or promotion offered by any Third Party Service Providers. If AutoInsuranceForLess terminates the Agreement for any reason, AutoInsuranceForLess shall have no liability or responsibility to you. You understand and agree that refusal to use the Site is your sole right and remedy with respect to any dispute with AutoInsuranceForLess.The Agreement only governs your use of the Site. 4. Non-Endorsement; Passive Conduit. (a) AutoInsuranceForLess does not sponsor, recommend or endorse any Third Party Service Provider that is accessible by or through the Rate Quote Services and/or other Site Offerings. The Third Party Service Providers that are accessible by and through the Rate Quote Services pay a fee for access to the users that utilize the Rate Quote Services. AutoInsuranceForLess does not guarantee that users will successfully find Third Party Quotes and Products through the SiteOfferings.
(b) Please use caution and common sense when using the Site Offerings. AutoInsuranceForLess in no way endorses the content or legality of any responses, statements or promises made by Third Party Service Providers or any other parties on the Site or otherwise through theSite Offerings.
(c) The determination of the need for insurance and the choice of insurance providers are extremely important decisions and should not be based solely on advertisements, claims of expertise, or cost offered by any Third Party Service Provider. AutoInsuranceForLess does not review the standing of any Third Party Service Providers with any regulatory authority or governmental agency. Therefore, AutoInsuranceForLess makes no representation regarding the status, standing or ability of any Third Party Service Provider. When considering obtaining services from a Third Party Service Provider, users should check that Third Party Service Providers standing with the applicable regulatory and/or governmental agencies. (d) AutoInsuranceForLess does not involve itself in the agreements between users and Third Party Service Providers or the actual provision of Third Party Quotes and Products in connection with the relationships created thereby. Therefore, AutoInsuranceForLess does not make any representations regarding the competency, trustworthiness, honesty, integrity and/or behavior of either its users or Third Party Service Providers. Each user, and not AutoInsuranceForLess, is solely responsible for assessing the competency, trustworthiness, honesty and integrity of all Third Party Service Providers that the user communicates with via the Rate Quote Service. Because AutoInsuranceForLess is not involved in user interactions, in the event that you have a dispute with one or more Third Party Service Providers and/or other third-parties, you hereby release AutoInsuranceForLess from any and all claims, demands and/or damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of, or in any way connected with, such disputes. 5. Content. The Site contains Content which includes, but is not limited to, links, text, video and/or other information pertaining to insurance-related products and/or services. The Content is offered for informational purposes only and is at all times subject to the disclaimers contained herein, and on the Site. Reliance on any Content or other information made available to you by and through the Site Offerings is solely at your own risk. AutoInsuranceForLess disclaims any and all liability for any loss, damage or injury based on Content or other information directly or indirectly obtained through the SiteOfferings.
6. License Grant. As a user of the Site, you are granted a non-exclusive, non-transferable, revocable and limited license to access and use the Site Offerings and associated Content in accordance with the Agreement. AutoInsuranceForLess may terminate this license at any time for any reason. You may use the Site Offerings for your own personal, non-commercial use. No part of the Site Offerings may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical. You may not use, copy, emulate, clone, rent, lease, sell, modify, decompile, disassemble, reverse engineer or transfer the Site Offerings, Content or any portion thereof. AutoInsuranceForLess reserves any rights not explicitly granted in the Agreement. Systematic retrieval of material from the Site by automated means or any other form of scraping or data extraction in order to create or compile, directly or indirectly, a collection, compilation, database or directory without written permission from AutoInsuranceForLess is prohibited. You may not use any device, software or routine to interfere or attempt to interfere with the proper working of the Site Offerings. You may not take any action that imposes an unreasonable or disproportionately large load on the AutoInsuranceForLess infrastructure. Your right to use the Site Offerings is not transferable. 7. Proprietary Rights. The Content, organization, graphics, design, compilation, magnetic translation, digital conversion, software, services and other matters related to the Site Offerings are protected under applicable copyrights, trademarks and other proprietary (including, but not limited to, intellectual property and moral) rights. The copying, redistribution, publication or sale by you of any part of the Site Offerings is strictly prohibited. You do not acquire ownership rights in the Site Offerings or any content, document, software, services or other materials viewed at or through the Site. The posting of information or material on the Site by AutoInsuranceForLess does not constitute a waiver of any right in such information and/or materials. 8. Editing, Deleting and Modification. We reserve the right in our sole discretion to edit and/or delete, at any time, any documents, information or other Content appearing on the Site. 9. Indemnification. You agree to indemnify, defend and hold AutoInsuranceForLess, its parents, subsidiaries and affiliates, and each of their respective members, officers, directors, employees, agents, co-branders and/or other partners, harmless from and against any and all claims, expenses (including reasonable attorneys' fees), damages, suits, costs, demands and/or judgments whatsoever, made by any third party due to or arising out of: (a) your use of the Site Offerings and/or Third Party Quotes and Products; (b) your breach of the Agreement; (c) any dispute between you and any Third Party Service Provider; and/or (d) your violation of any rights of another individual and/or entity. The provisions of this Section 9 are for the benefit of AutoInsuranceForLess, its parents, subsidiaries and affiliates, and each of their respective officers, directors, members, employees, agents, shareholders, licensors, suppliers and/or attorneys. Each of these individuals and entities shall have the right to assert and enforce these provisions directly against you on its ownbehalf.
10. Disclaimer of Warranties. THE SITE OFFERINGS, THIRD PARTY QUOTES AND PRODUCTS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR THROUGH THE SITE OFFERINGS ARE PROVIDED TO YOU ON AN "AS IS" AND "AS AVAILABLE" BASIS AND ALL PROMISES, GUARANTEES, REPRESENTATIONS AND WARRANTIES, EXPRESS AND IMPLIED, ARE DISCLAIMED TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW (INCLUDING, BUT NOT LIMITED TO, THE DISCLAIMER OF ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY AND/OR FITNESS FOR A PARTICULAR PURPOSE). IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, AUTOINSURANCEFORLESS MAKES NO PROMISES, GUARANTEES, REPRESENTATIONS OR WARRANTIES THAT: (A) THE SITE OFFERINGS, THIRD PARTY QUOTES AND PRODUCTS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR THROUGH THE SITE OFFERINGS WILL MEET YOUR REQUIREMENTS; (B) THE SITE OFFERINGS, THIRD PARTY QUOTES AND PRODUCTS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR THROUGH THE SITE OFFERINGS WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (C) YOU WILL QUALIFY FOR THIRD PARTY QUOTES AND PRODUCTS OR OTHER INSURANCE SERVICES FROM OUR THIRD PARTY SERVICE PROVIDERS; OR (D) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE OFFERINGS, THIRD PARTY QUOTES AND PRODUCTS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR THROUGH THE SITE OFFERINGS WILL BE ACCURATE OR RELIABLE OR SUFFICIENT FOR YOUR PARTICULAR NEEDS. THE SITE OFFERINGS, THIRD PARTY QUOTES AND PRODUCTS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR THROUGH THE SITE OFFERINGS MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. WE WILL NOT BE LIABLE FOR THE AVAILABILITY OF THE UNDERLYING INTERNET CONNECTION ASSOCIATED WITH THE SITE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM AutoInsuranceForLess, ITS THIRD PARTY SERVICE PROVIDERS OR OTHERWISE THROUGH OR FROM THE SITE OFFERINGS, SHALL CREATE ANY PROMISE, GUARANTEE, REPRESENTATION OR WARRANTY NOT EXPRESSLY STATED INTHE AGREEMENT.
11. Limitation of Liability. YOU EXPRESSLY UNDERSTAND, ACKNOWLEDGE AND AGREE THAT AUTOINSURANCEFORLESS SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL AND/OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, USE, DATA OR OTHER TANGIBLE OR INTANGIBLE LOSSES (EVEN IF AUTOINSURANCEFORLESS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND/OR SUCH DAMAGES ARE FORESEEABLE), TO THE FULLEST EXTENT PERMISSIBLE BY LAW FOR: (A) THE USE OR THE INABILITY TO USE THE SITE OFFERINGS, THIRD PARTY QUOTES AND PRODUCTS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR THROUGH THE SITE OFFERINGS; (B) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION AND/OR SERVICES PURCHASED OR OBTAINED FROM, OR TRANSACTIONS ENTERED INTO THROUGH, THE SITE OFFERINGS; (C) THE FAILURE TO QUALIFY FOR THIRD PARTY QUOTES AND PRODUCTS FROM OUR THIRD PARTY SERVICE PROVIDERS; (D) THE UNAUTHORIZED ACCESS TO, OR ALTERATION OF, YOUR REGISTRATION DATA; AND (E) ANY OTHER MATTER RELATING TO THE SITE OFFERINGS, THIRD PARTY QUOTES AND PRODUCTSAND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR THROUGH THE SITE OFFERINGS. THIS LIMITATION APPLIES TO ALL CAUSES OF ACTION, IN THE AGGREGATE INCLUDING, BUT NOT LIMITED TO, BREACH OF CONTRACT, BREACH OF WARRANTY, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATIONS AND ANY AND ALL OTHERTORTS.
YOU HEREBY RELEASE AUTOINSURANCEFORLESS AND ITS THIRD PARTY SERVICE PROVIDERS FROM ANY AND ALL OBLIGATIONS, LIABILITIES AND CLAIMS IN EXCESS OF THE LIMITATIONS STATED HEREIN. IF APPLICABLE LAW DOES NOT PERMIT SUCH LIMITATIONS, THE MAXIMUM LIABILITY OF AUTOINSURANCEFORLESS TO YOU UNDER ANY AND ALL CIRCUMSTANCES WILL BE FIVE HUNDRED DOLLARS ($500.00). THE NEGATION OF DAMAGES SET FORTH ABOVE IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND AUTOINSURANCEFORLESS. THE SITE OFFERINGS, THIRD PARTY QUOTES AND PRODUCTS AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY APPLY FOR THROUGH THE SITE OFFERINGS WOULD NOT BE PROVIDED TO YOU WITHOUTSUCH LIMITATIONS.
12. Third Party Websites. The Site may provide links to and/or refer you to other Internet websites and/or resources including, but not limited to, the websites of Third Party Service Providers. Because AutoInsuranceForLess has no control over such third party websites and/or resources, you hereby acknowledge and agree that AutoInsuranceForLess is not responsible for the availability of such third party websites and/or resources. Furthermore, AutoInsuranceForLess does not endorse, and is not responsible or liable for, any terms and conditions, privacy policies, content, advertising, services, products and/or other materials at or available from such third party websites or resources, or for any damages and/or losses arising therefrom. The Site may contain links to other third-party owned and/or operated websites and, where you request information from Third Party Providers, AutoInsuranceForLess may transfer you directly to the websites of such Third Party Providers. AutoInsuranceForLess is not responsible for the privacy practices or the content of such websites. In some cases, you may be required to provide certain information to register or complete a transaction at such website. These third-party websites have separate privacy and data collection practices and AutoInsuranceForLess has no responsibility or liability relating to them. We do not endorse, nor are we responsible for the accuracy of, the privacy policies or terms and conditions of such website. These third party entities are independent third parties and are not affiliated with us. 13. Privacy Policy/User Information. Use of the Site Offerings, and all comments, feedback, information, Site Registration Data or materials that you submit through or in association with the Site, is subject to our Privacy Policy. We reserve the right to use all information regarding your use of the Site, and any and all other personally identifiable information provided by you, in accordance with the terms of our Privacy Policy. To access the Privacy Policy,please click here.
14. Legal Warning. Any attempt by any individual, whether or not a AutoInsuranceForLess customer, to damage, destroy, tamper with, vandalize and/or otherwise interfere with the operation of the Site, is a violation of criminal and civil law and AutoInsuranceForLess will diligently pursue any and all remedies in this regard against any offending individual or entity to the fullest extent permissible bylaw and in equity.
15. Dispute Resolution Provisions. The Agreement shall be treated as though it were executed and performed in New York, New York and shall be governed by and construed in accordance with the laws of the State of New York (without regard to conflict of law principles). Should a dispute arise concerning the Site Offerings, the terms and conditions of the Agreement or the breach of same by any party hereto: (a) the parties agree to submit their dispute for resolution by arbitration before the American Arbitration Association in New York, New York, in accordance with the then current Commercial Arbitration rules of the American Arbitration Association; and (b) you agree to first commence a formal dispute proceeding by completing and submitting an Initial Dispute Notice to the address listed in the Contact section, which can be found Here. We may
choose to provide you with a final written settlement offer after receiving your Initial Dispute Notice (Final Settlement Offer). If we provide you with a Final Settlement Offer and you do not accept it, or we cannot otherwise satisfactorily resolve your dispute and you wish to proceed, you must submit your dispute for resolution by arbitration before the American Arbitration Association, in your county of residence, by filing a separate Demand for Arbitration to the address listed in the Contact section, which is available Here. For claims
of Ten Thousand Dollars ($10,000.00) or less, you can choose whether the arbitration proceeds in person, by telephone or based only on submissions. If the arbitrator awards you relief that is greater than our Final Settlement Offer, then we will pay all filing, administration and arbitrator fees associated with the arbitration and, if you retained an attorney to represent you in connection with the arbitration, we will reimburse any reasonable attorneys fees that your attorney accrued for investigating, preparing and pursuing the claim in arbitration. Any award rendered shall be final and conclusive to the parties and a judgment thereon may be entered in any court of competent jurisdiction. Nothing contained herein shall be construed to preclude any party from: (i) seeking injunctive relief in order to protect its rights pending an outcome in arbitration; and/or (ii) pursuing the matter in small claims court rather than arbitration. Although we may have a right to an award of attorneys fees and expenses if we prevail in arbitration, we will not seek such an award from you unless the arbitrator determines that your claim wasfrivolous.
To the extent permitted by law, you agree that you will not bring, join or participate in any class action lawsuit as to any claim, dispute or controversy that you may have against AutoInsuranceForLess and/or its employees, officers, directors, members, representatives and/or assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorneys fees and court costs that AutoInsuranceForLess incurs in seeking such relief. This provision preventing you from bringing, joining or participating in class action lawsuits: (A) does not constitute a waiver of any of your rights or remedies to pursue a claim individually and not as a class action, in binding arbitration as provided herein above; and (B) is an independent agreement. You may opt-out of these dispute resolution provisions by providing written notice of your decision within thirty (30) days of the date that you first access the Site. 16. Miscellaneous. Should any part of the Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that anything in or associated with the Site and/or any AutoInsuranceForLess offering is in conflict or inconsistent with these Terms and Conditions, these Terms and Conditions shall take precedence. Our failure to enforce any provision of the Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision. The parties do not intend that any agency or partnership relationship be created through operation of the Agreement. AutoInsuranceForLess may assign its rights and obligations under the Agreement, in whole or in part, to any party at any time without any notice to you. The Agreement, may not however, be assigned by you, and you may not delegate your duties under it. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section. 17. Contact Us. If you have any questions regarding the Agreement, would like more information from AutoInsuranceForLess, wish to unsubscribe from emails from AutoInsuranceForLess or third party marketers (if applicable), or revoke any prior express written consent you may have given in order to be contacted for purposes of receiving an insurance quote, you may contact AutoInsuranceForLess by any of the following means: (a) in writing to 1608 S. Ashland Ave #21505, Chicago, IL 60608; (b) by email to info@myquoteprovider.com; (c) by text message (STOP) sent to (888) 246-9082; (d) by facsimile to (866) 571-9618; (e) by phone call to our toll-free phone number, (888) 246-9082; or (f) orally, during the course of any call with AutoInsuranceForLess. Without limiting any of the foregoing, you can ask us to contact you in a specific way (for example, home or office phone) or to send mail to a different address. We will consider all reasonable requests, and must say yes if you tell us you would be in danger if we do not. 18. California Consumer Rights and Notices. Residents of California are entitled to the following specific consumer rights information: you may contact the Complaint Assistance Unit of the Division of Consumer Services of the Department of Consumer Affairs by mail at: 400 R St., Suite 1080, Sacramento, California 95814, or by telephone at (916) 445-1254. Their website is located at: http://www.dca.ca.gov.×
AUTOINSURANCEFORLESS - PRIVACY POLICY Thank you for visiting the AutoInsuranceForLess website located at www.autoinsuranceforless.info (the "Site"). The Site is an Internet property of AutoInsuranceForLess and its affiliated companies ("AutoInsuranceForLess," "we," our or "us"). This privacy policy ("Privacy Policy") outlines the privacy practices associated with the Site. You agree to this Privacy Policy, in its entirety, when you: (a) access or use the Site; (b) register on the Site to receive information, products and/or services from third party service providers, including brokers, their carriers, agents, or representatives ("Third Party Providers"); and/or (c) obtain, or attempt to obtain, any AutoInsuranceForLess products and/or services. IF YOU DO NOT AGREE TO THE TERMS OF THIS PRIVACY POLICY IN THEIR ENTIRETY, YOU MAY NOT ACCESS OR OTHERWISE USE THE SITE. You can ask for a paper copy of this Privacy Policy at any time, even if you have agreed to receive this Privacy Policy electronically. We will provide you with a paper copy of this Privacy Policy promptly following receipt of your request. To request a paper copy, please go to the Contact section below and use one of the designated methods for contacting us. If you have given someone medical power of attorney or if someone is your legal guardian, that person can exercise your rights and make choices about your Sensitive Information (as defined below). We will make sure the designated person has this authority and can act for you before we take any action. FOR PURPOSES OF COMPLIANCE WITH THE CALIFORNIA FINANCIAL PRIVACY ACT AND THE VERMONT CONSUMER PROTECTION ACT, 8 V.S.A. 10202, IF YOU ARE A RESIDENT OF THE STATE OF CALIFORNIA OR VERMONT AND WOULD LIKE TO OPT-OUT FROM THE DISCLOSURE OF YOUR PERSONAL INFORMATION TO ANY THIRD-PARTY FOR MARKETING PURPOSES, PLEASE CLICK HERE. PLEASE BE ADVISED THAT WHERE CALIFORNIA OR VERMONT RESIDENTS OPT-OUT FROM PERMITTING THEIR PERSONAL INFORMATION TO BE SHARED, SUCH INDIVIDUALS MAY STILL RECEIVE SELECTED OFFERS DIRECTLY FROM US, IN ACCORDANCE WITHTHE LAW.
AUTOINSURANCEFORLESS IS A PRODUCT AND/OR SERVICE MATCHING SERVICE, MATCHING CONSUMERS WITH PERSONS OR COMPANIES THAT OFFER PRODUCTS AND/OR SERVICES OF INTEREST TO THE CONSUMER. AUTOINSURANCEFORLESS IS NOT A LICENSED BROKER, CARRIER OR DIRECT PROVIDER OF INSURANCE PRODUCTS OR SERVICES. IN ORDER TO PERFORM THE MATCHING SERVICES AND ENABLE YOU TO SECURE A QUOTE FROM A PROVIDER, AUTOINSURANCEFORLESS MAY REQUIRE YOU TO SUBMIT HEALTH INFORMATION. YOUR RESPONSES AND THE INFORMATION YOU CHOOSE TO SUBMIT IN ORDER TO OBTAIN A QUOTE WILL HELP US IMPROVE THE ACCURACY OF YOUR QUOTE RESULTS. INFORMATION YOU CHOOSE TO PROVIDE TO US WILL BE COLLECTED, STORED, AND TRANSMITTED ONLY TO OUR PARTNERS AND SOLELY FOR THE PURPOSE OF MATCHING YOU WITH THIRD PARTY PROVIDERS WHO CAN PROVIDE YOU WITH QUOTES. Personally Identifiable Information We Collect . We collect your personally identifiable information when you register on the Site to receive information, products and/or services from Third Party Providers and/or obtain, or attempt to obtain, any AutoInsuranceForLess products and/or services. We may also collect your personally identifiable information when you otherwise agree to the terms of this Privacy Policy, but do not complete the applicable registration process in full. The types of personally identifiable information that we collect at the Site may include, without limitation: (a) your full name; (b) mailing address; (c) e-mail address; (d) home, work and mobile telephone numbers; (e) who you intend the policy to cover; (f) the dollar amount of the policy you are seeking; (g) the length of the term of the policy; (h) any tobacco use in the last twelve (12) months; (i) date of birth; (j) height and weight; (k) certain questions regarding your medical history; and (l) any and all other information requested on the applicable registration form (collectively, PII). For purposes of this Agreement, item (k) in the preceding sentence and any other health or medical information collected shall be considered "Sensitive Information." If the information you have provided changes and you still wish us to have such information, we request that you contact us promptly so that we can update our records accordingly. Use of Personally Identifiable Information . By submitting your PII on the Site, you agree that we may share such PII (including your Sensitive Information) with Third Party Providers in order to complete your request for specific products and/or services that you applied for at the Site ("Featured Products") from such Third Party Providers, and that they may use such PII for any lawful purposes, subject to any restrictions contained herein. Any PII that you supply to any Third Party Providers shall be governed by the applicable Third Party Providers' privacy policy. Please be advised that AutoInsuranceForLess does not itself provide Featured Products or any other related products and services. The ultimate terms and conditions of any Featured Products provided by any Third Party Providers will be determined by those Third Party Providers. You can request a list (Accounting List) of the times that we have shared your Sensitive Information with third parties during the six (6) year period prior to the date that you request such Accounting List. The Accounting List shall include the identities of the third parties, as well as the reasons why your Sensitive Information was shared with such third parties. To request such an Accounting List, please go to the Contact section below and use one of the designated methods for contacting us. We will provide you with one Accounting List a year for free but will charge a reasonable, cost-based fee if you ask for another one Accounting List within twelve (12) months of the date that we provided your free Accounting List. We may employ other companies and individuals to perform certain functions on our behalf. Examples include using companies / individuals to send direct and electronic mail, remove duplicate information from user lists, analyze data and provide marketing analysis, and create a "visual playback" of your contact with our website(s) for quality assurance and training purposes and/or in the event of any questions or disputes about you providing prior express written consent to be contacted by us and/or a Third Party Provider or marketing partner. A visual playback is a digital capture of your contact with the website, containing factual information about the environment that you experienced while interacting with it, including such information as the forms you completed, any specific disclosure(s) that was present on the forms at the time of completion, and the type of consent you provided. The agents performing these limited functions on our behalf shall have access to our users' PII, including Sensitive Information, if and as needed to perform their functions for us, but we do not permit them to use your PII for otherpurposes.
We will also use your PII for customer service, to provide you with information that you may request, to customize your experience on the Site and/or to contact you when necessary in connection with transactions entered into by you on the Site; provided, however, that your Sensitive Information will be used only to the extent needed to complete these tasks. We may also use your PII for internal business purposes, such as analyzing and managing our business. We may also combine the PII we have gathered about you with information from other sources and we may use third parties to help us operate our business and the Site or to administer activities on our behalf; provided, however, that your Sensitive Information will be used only to the extent needed to complete these tasks. We also reserve the right to release current or past user PII, including Sensitive Information, in the event that we believe that the user is using, or has used, our products, services and/or the Site: (i) in violation of the Site's Terms and Conditions, this Privacy Policy or any other of our operating rules, policies, price schedules and other supplemental terms and conditions or documents that may be published by us from time to time; (ii) to commit unlawful acts; (iii) if such PII, is subpoenaed or requested pursuant to a judicial or regulatory proceeding or inquiry, including requests from the Department of Health and Human Services; (iv) if we are sold, merge with a third party, are acquired or are the subject of bankruptcy proceedings; provided, however, that if AutoInsuranceForLess is involved in a bankruptcy proceeding, merger, acquisition or sale of all or a portion of its assets, you will be notified via e-mail and/or a prominent notice on the Site of any change in ownership or uses of your PII, as well as any choices that you may have regarding your PII; and/or (v) when we deem it necessary or appropriate including, without limitation, sharing your e-mail address with other third parties for suppression purposes in compliance with the CAN-SPAM Act of 2003, as amended from time to time, and Federal Trade Commission implementing regulations. Without limiting the foregoing, we can share your Sensitive Information in connection with certain situations such as: (A) preventing disease; (B) helping with product recalls; (C) reporting adverse reactions to medications; (D) reporting suspected abuse, neglect, or domestic violence; and/or (E) preventing or reducing a serious threat to anyones health or safety. By registering at the Site, you agree that such act constitutes an inquiry and/or application for purposes of the Amended Telemarketing Sales Rule (16 CFR 310 et seq.), as amended from time to time (the "Rule") and applicable state do-not-call regulations. As such, notwithstanding that your telephone number may be listed on the Federal Trade Commission's Do-Not-Call List, and/or on applicable state do-not-call lists, we retain the right to contact you via telemarketing in accordance with the Rule and applicable state do-not-call regulations. In addition, by submitting your PII at the Site, you agree to receive mobile marketing, including, but not limited to, text-message based marketing, from us and our third party advertisers and marketers (where, and to the extent that, such marketing is permitted by applicable law). As such, notwithstanding that your mobile telephone number may be listed on state and/or federal Do-Not-Call registries, we retain the right to contact you via text-message based marketing in accordance with applicable state and federal law. We will not use or share your PII other than as described in this Privacy Policy unless you tell us that we can in writing. If you tell us we can, you may change your mind at any time. Let us know in writing if you change your mind by using any of the designated methods for contacting us set forth in the Contact section below. Non-Personally Identifiable Information . We may collect certain non-personally identifiable information about you when you visit many of the pages of the Site. This non-personally identifiable information includes, without limitation, the type of browser that you use (e.g., Chrome, Internet Explorer, Safari), your IP address, the type of operating system that you use (e.g., Windows or Mac OS) and the domain name of your Internet service provider (e.g., Verizon, AT&T). We use the non-personally identifiable information that we collect to improve the design and content of the Site and to enable us to personalize your Internet experience. We also may use this information in the aggregate to analyze Site usage, as well as to offer you products and services. We also reserve the right to use aggregate or group data about our visitors for any and all lawful purposes. Aggregate or group data is data that describes the demographics, usage and/or characteristics of our visitors as a group. By visiting and/or supplying your personal information at the Site, you agree to allow us to provide such aggregate data to third parties. Behavioral Marketing/Google AdWords . The Site uses the Google AdWords Remarketing service to advertise on third party websites (including Google) to previous visitors to the Site. We may serve advertisements to previous visitors to our Site who have not completed a task on our Site. These advertisements could be in the form of an advertisement on the Google search results page or websites across the Internet in the Google Display Network. Third-party vendors, including Google, use cookies to serve ads based on end-users past visits to the Site. Cookies are small text files that are stored on an end-user's computer when he/she visits a website. With the help of cookies, Google AdWords Remarketing allows us to tailor our marketing to better suit your needs and primarily display ads that are relevant to you. Our Site does not use cookies to retrieve or use your name or PII. Any data collected will be used in accordance with our own Privacy Policy and Googles privacy policy. You can set preferences for how Google advertises to you using the Google Ad Preferences page. You can also opt out of interest-based advertising entirely by using cookie settings or permanently by using a browser plugin. To the greatest extent permissible under applicable law, we are not responsible for the tracking practices of third parties in connection with the Site. Facebook Custom Audiences . The Site uses Facebook's Custom Audiences feature to advertise on Facebook to previous visitors to our Site. This feature helps tailor our marketing to better suit your needs and display ads that are relevant to you. We create a Custom Audience on Facebook based on information you provide us, such as your name, email address and/or other contact information. In a process called "hashing," the information provided by you is then summarized into a short "fingerprint" within a data file. This fingerprint is secure and cannot be decrypted. Facebook takes the data file of aggregated hashed fingerprints and electronically compares it to their existing hashed data to find a match. These matches become our Custom Audience. Facebook is not given the original information that you provided to us in order to create the fingerprint, so they do not have access to your personal information. The Custom Audiences feature will only use this fingerprint for the matching process; it will not be shared with third parties or other advertisers and it will be deleted after the match process is complete. For your protection, Custom Audiences can only be targeted in ads once they have reached a critical mass (by aggregation of fingerprints) through which it is impossible to learn the individual identity of an any person visiting a website. Facebook will not: (a) give access to, or information about, Custom Audiences to third parties or other advertisers; (b) use Custom Audiences to append to the information we have about our users or build interest-based profiles; or (c) use Custom Audiences, except to provide services to you, unless you have given express permission for additional uses and/or disclosure of the information is otherwise required by law. To find out if youre seeing an ad because youre included in a Custom Audience: (i) click the "X" or "down" icon near the top-right corner of any ad on Facebook; and (ii) select the "Why am I seeing this?" link or button and Facebook will explain whether you are part of a Custom Audience. If you are part of a Custom Audience and would like to opt-out, click the "opt-out" link after having selected the "Why am I seeing this?" option. You can also select "Hide all from this advertiser" to stop seeing any of our ads, both from Custom Audiences and other ways we may be showing you ads on Facebook. Any PII collected by us will be used in accordance with our own Privacy Policy and Facebooks privacy policy.Cookies
. When an end-user visits the Site, we send a cookie and/or gif file ("Cookie") to assign an anonymous, unique identifier to the applicable end-user's Internet browser. A Cookie is a piece of data stored on your hard drive containing non-personally identifiable information about you. Cookies have many benefits to enhance your experience at the Site. To find out more about Cookies, please visit www.cookiecentral.com. To disable and reject certain Cookies, follow the instructions associated with your Internet browser. Even in the case where a user rejects a Cookie, he or she may still use the Site. AutoInsuranceForLess reserves the right to retain Cookie dataindefinitely.
VWO
. We use VWO in order to better understand our users needs and to optimize this service and experience. VWO is a technology service that helps us better understand our users experience (e.g. how much time they spend on which pages, which links they choose to click, what users do and dont like, etc.) and this enables us to build and maintain our service with user feedback. VWO uses cookies and other technologies to collect data on our users behavior and their devices (in particular device's IP address (captured and stored only in anonymized form), device screen size, device type (unique device identifiers), browser information, geographic location (country only), preferred language used to display our website). VWO stores this information in a pseudonymized user profile. Neither VWO nor we will ever use this information to identify individual users or to match it with further data on an individual user. For further details, please see VWOs privacy policy by clicking on this link: https://vwo.com/privacy-policy/. You can opt-out to the creation of a user profile, VWOs storing of data about your usage of our site and VWOs use of tracking cookies on other websites by following this op-out-link: https://vwo.com/opt-out/.Third Party Links
. The Site may contain links to other third-party owned and/or operated websites and, where you request information from Third Party Providers, AutoInsuranceForLess may transfer you directly to the websites of such Third Party Providers. AutoInsuranceForLess is not responsible for the privacy practices or the content of such websites. In some cases, you may be required to provide certain information to register or complete a transaction at such website. These third-party websites have separate privacy and data collection practices and AutoInsuranceForLess has no responsibility or liability relating to them. We do not endorse, nor are we responsible for the accuracy of, the privacy policies and/or terms and conditions of such websites. These third party entities are independent third parties and are notaffiliated with us.
Third-Party Offers
. AutoInsuranceForLess provides its users with the opportunity to receive special offers, products and/or services from third parties. Where you indicate the desire to receive certain offers, products or services from a third party during the applicable information collection process, your PII, including your Sensitive Information, if applicable, that was provided during that AutoInsuranceForLess information collection process will be shared with the applicable third party so that such third party may provide their product or service to you and so that you do not have to complete another information collection form to purchase or receive that product orservice.
Opt-Out/Unsubscribe
. When you submit PII to us at the Site, you have opted-in to request that we share such PII (including Sensitive Information) with Third Party Providers in order to complete your request for Featured Products from such Third Party Providers. When contacted by any of these companies or third parties, you should notify them directly of your choices regarding their use and sharing of your PII. To opt-out of having your PII, including Sensitive Information, shared with third parties, please go to the Contact section below and use one of the designated methods for opting out. To stop receiving future e-mail communications from AutoInsuranceForLess, please go to the Contact section below and use one of the designated methods for opting out. AutoInsuranceForLess may maintain separate e-mail lists for different purposes. If e-mail recipients wish to end their e-mail subscription from a particular list, they need to follow the instructions at the end of each e-mail message to unsubscribe from the particular list. To unsubscribe from all AutoInsuranceForLess e-mail lists, please go to the Contact section below and use one of the designated methods for opting out. Identifying, Deleting, Modifying and/or Updating Your Information . At your request, we will inform you of what PII we have on file for you, including Sensitive Information. In addition, at your request, we will remove, update and/or modify the PII that you have provided to us, or that we have collected. You may do so by contacting us via any of the methods set forth in the Contact section below; provided, however, that we ask individuals to identify themselves and the PII requested to be accessed, corrected or removed before processing suchrequests.
Please be advised that, after you delete your PII, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems. In addition, this deletion will not change or delete PII which may have already been shared with third parties, all as provided above in this Privacy Policy. You will need to contact the third parties that contact you directly to change your preferences regarding their use of your PII.Minors
. We do not knowingly collect information from individuals under eighteen (18) years of age. No information should be submitted to, or posted at, the Site by individuals under eighteen (18) years of age. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities oftheir children.
Security
. All collected information is stored in a technically and physically secure environment. When our registration/application process asks users to enter Sensitive Information, and when we store and transmit such Sensitive Information, it is encrypted and protected with encryption software. While we use encryption to protect Sensitive Information online, we also do everything in our power to protect user information off-line. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your PII, we cannot ensure or warrant or guarantee the security of any information that you transmit to us, and you do so at your own risk. Once we receive your transmission, we make reasonable efforts to ensure its security on our systems. Access to this information is strictly limited, and not accessible to the public. All of our users' information, not just Sensitive Information, is restricted in our offices. Only employees who need the information to perform a specific job are granted access to personal information. Our employees are dedicated to ensuring the security and privacy of all AutoInsuranceForLess user information. Employees not adhering to our firm policies are subject to disciplinary action. In compliance with applicable federal and state laws, we shall notify you and any applicable regulatory agencies in the event that we learn of an information security breach with respect to your PII. You will be notified via e-mail in the event of such a breach. Please be advised that notice may be delayed in order to address the needs of law enforcement, determine the scope of network damage, and to engage inremedial measures.
Changes to this Privacy Policy . We reserve the right to change or update this Privacy Policy at any time by posting a notice on the Site that we are changing our Privacy Policy. All Privacy Policy changes will take effect immediately upon their posting on the Site. Please check the Site periodically for any changes. Your continued use of the Site and/or acceptance of our e-mail communications following the posting of changes to this Privacy Policy will constitute your acceptance of any and all changes. If the manner in which we use PII changes, we will notify end-users by: (a) sending the modified policy to our end-users via email; and/or (b) any other reasonable means acceptable under applicable state and federal law. You will have a choice as to whether or not we use your PII in this different manner, and we will only use your PII in this different manner where you opt-in to such use. Number Reassignment, Porting or Disconnection . If you have given a phone number in the PII you submitted as part of your registration, AutoInsuranceForLess and/or its Third Party Service Providers will use that phone number, in accordance with this Privacy Policy and applicable law, in order to contact you. If you: (a) have your phone number reassigned to another person or entity; (b) give up the phone number so that it is no longer used by you; (c) port the phone number to a landline or vice versa; or (d) otherwise stop using the phone number for any reason (collectively Phone Number Change), you agree that you shall promptly notify AutoInsuranceForLess of the Phone Number Change using one of the methods set forth in the Contact section below. AutoInsuranceForLess and its Third Party Service Providers rely on you to provide and maintain accurate, complete and updated PII and other information submitted in support of your registration, including your phone number. Transfer of Data Internationally . If you are visiting this Site from a country other than the country in which our servers are located, your communications with us may result in the transfer of information across international boundaries. By visiting this Site and/or otherwise communicating electronically with us, you consent to such transfers. Even if your jurisdiction does not have the same privacy laws as the jurisdiction where our servers are located, we will treat your information as subject to the protections described in this Privacy Policy.Contact Us
. If you have any questions regarding this Privacy Policy, would like more information on our privacy practices, wish to unsubscribe from emails from AutoInsuranceForLess or revoke any prior express written consent you may have given in order to be contacted, you may notify AutoInsuranceForLess by any of the following means: (a) by mail to 1608 S. Ashland Ave #21505, Chicago, IL 60608; (b) by email to info@myquoteprovider.com; (c) by facsimile to (866) 571-9618; (d) by phone call to our toll-free phone number, (888) 246-9082; or (e) orally, during the course of any call with AutoInsuranceForLess; (f) by text message (STOP) sent to (888) 246-9082. Without limiting any of the foregoing, you can ask us to contact you in a specific way (for example, home or office phone) or to send mail to a different address. We will consider all reasonable requests, and must say yes if you tell us you would be in danger if we do not. You can file a complaint regarding our privacy practices by emailing us at info@myquoteprovider.com; calling us at (888) 246-9082; or faxing us at (866) 571-9618.×
CONTACT US
PHONE NUMBER
(877) 404-1208
FAX NUMBER
866-571-9618
EMAIL ADDRESS
info@myquoteprovider.comMAILING ADDRESS
1608 S. Ashland Ave #21505Chicago, IL 60608
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For more information or questions concerning the Health Insurance Portability and Accountability Act (HIPAA), please email hipaa@myquoteprovider.com or call (888) 907-2427.×
CARRIERS AND PARTNER COMPANIES INCLUDE, WITHOUT LIMITATION, THEFOLLOWING:
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