Terms & Conditions

Effective Date: August 5, 2025

Welcome to QuoteKings.com (the “Site”). This Site is operated by Quote Kings Media Group, LLC, a Wyoming, USA limited liability company (referred to as the “Company,” “we,” “us,” or “our”). These Terms of Service (the “Terms”) constitute a legally binding agreement between you (referred to as “you,” “your,” or the “User”) and the Company. By accessing or using QuoteKings.com, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy (and any other policies referenced herein). If you do not agree with any part of these Terms, you must not use this Site.

These Terms apply to all users of the Site, including (i) consumers seeking insurance quotes or information, (ii) Advertisers (insurance companies, agents, brokers, or other licensed entities receiving leads), and (iii) any other partners or participants on our platform. Please read these Terms carefully. They include important legal disclaimers, limitations of liability, a mandatory arbitration agreement and class action waiver, and obligations regarding your use of the Site. If you have any questions, please contact us as outlined at the end of these Terms.

1. Acceptance of Terms

By using or accessing QuoteKings.com, you signify your acceptance of and agreement to these Terms and our Privacy Policy. This includes any future updates or modifications to these Terms. If we update these Terms, we will post the revised version with a new “Last Updated” date. Continued use of the Site after changes are posted constitutes your acceptance of the changes. If you do not agree to the Terms (or any updated Terms), you should immediately cease use of the Site.

You represent that you have the legal capacity to enter into this Agreement. If you are using the Site on behalf of an organization or company, you represent that you have authority to bind that entity to these Terms. You must be at least 18 years old (or the age of majority in your state) to use this Site. The Site is intended for U.S. residents; if you access the Site from outside the United States, you do so on your own initiative and are responsible for compliance with any local laws.

Cookies: We employ the use of cookies and similar technologies to enhance user experience. By using QuoteKings.com, you consent to our use of cookies as described in our Privacy Policy. Cookies help us remember your preferences and improve Site functionality. Some of our third-party advertising or analytics partners may also use cookies. You can control cookies via your browser settings, but disabling cookies may affect portions of the Site.

2. Definitions

For purposes of these Terms, the following terms have specific meanings:

• “User” (or “you”) means any individual who accesses or uses QuoteKings.com or our services, including consumers seeking insurance quotes or information.
• “Advertiser” means any third-party insurance provider, carrier, broker, agent, or other licensed entity that participates in our lead network. Advertisers may receive leads (consumer inquiries and data) from us and offer insurance products or quotes to Users.
• “Lead” refers to a request or inquiry for insurance quotes or information submitted by a User through our Site, including the personal information and details provided by the User in a form.
• “Affiliate” or “Publisher” refers to a marketing partner or third-party website that refers or drives users to our Site, typically under a separate affiliate agreement.
• “Services” refers to the lead generation and referral services provided by the Company via the Site – i.e., collecting consumer inquiries for insurance products and connecting Users with relevant Advertisers.
• “Site” or “Sites” refers to QuoteKings.com and any related websites, subdomains, or mobile applications owned or operated by the Company that link to these Terms.

3. Description of Services

QuoteKings.com is an insurance lead generation platform. We assist consumers in obtaining information and quotes for various insurance products, including auto, home, health, life, renters, and other insurance lines. When you submit a request for an insurance quote or other information on our Site, we collect the information you provide (such as your contact details and coverage needs) and share it with one or more participating Advertisers (insurance companies, brokers, agents, or other providers) who may contact you with quotes or offers tailored to your request.

We are not an insurance company or agency. We do not underwrite insurance policies, make coverage decisions, or issue insurance contracts. Our role is exclusively as an intermediary to connect you with third-party Advertisers who can provide insurance products or services. Any insurance policy or product you ultimately obtain is solely provided by the Advertiser, not by QuoteKings. We do not guarantee that any User will receive a quote, or that any particular insurance product will be available or suitable for you. All quotes, offerings, and transactions are subject to the Advertiser’s terms, underwriting, and applicable law – for example, you may need to complete additional steps (such as a formal application or underwriting process) with the Advertiser before obtaining coverage.

No Fees to Consumers: Our Services are provided to you, the consumer, free of charge. We may be compensated by Advertisers (for example, via a fee or commission) for referrals or Leads that we provide. Any such compensation does not affect the quotes or prices you receive from Advertisers. We do not endorse or recommend any specific Advertiser or insurance product. The order or manner in which Advertisers are presented or matched to you is not an endorsement. You should evaluate multiple options and make your own informed decision before purchasing any insurance. We do not guarantee that using our Service will result in the lowest available rates or best terms compared to other avenues – you are encouraged to shop around as needed.

No Professional Advice: All content, information, tools, and materials on QuoteKings.com are provided for general informational and educational purposes only. While we strive to provide useful information, nothing on our Site constitutes professional advice (such as legal, financial, or insurance advice) specific to your situation. The Company is not a licensed insurance advisor or financial planner, and communication with us or use of our Site is not a substitute for professional advice. You should consult with licensed professionals or advisors before making decisions about insurance coverage. No content on this Site should be construed as a guarantee of insurance coverage or as advice regarding which insurance product to purchase. Always carefully review any policy terms and consult a licensed agent or attorney if you need guidance.

4. User Eligibility and Responsibilities

Eligibility: By using our Site, you represent and warrant that you are at least 18 years of age (or the legal age of majority in your jurisdiction) and legally capable of entering into binding contracts. The Site is not directed to minors under 18, and we do not knowingly collect personal information from anyone under 18. If we become aware that a person under 18 has submitted a quote request or personal data, we will delete such information and may restrict that individual’s access.

Personal Use Only: You agree to use QuoteKings.com only for your personal, non-commercial purposes related to seeking insurance information or quotes for yourself or your immediate family/household. You may not use the Site to solicit insurance for others or for any commercial lead generation purposes (except as expressly permitted if you are an approved Advertiser or Affiliate). You also agree that all information you submit to the Site (such as information on quote forms) is truthful, accurate, current, and complete. Submitting false, misleading, or fraudulent information is strictly prohibited and may violate laws (for example, insurance fraud statutes).

User Conduct – Prohibited Activities: You agree NOT to engage in any of the following activities or behaviors on the Site or in using our Services:

• Illegal or Fraudulent Use: You will not use the Site to violate any law, regulation, or rule. This includes (but is not limited to) insurance regulations, telemarketing laws, consumer privacy laws, and other applicable statutes. You will not submit any inquiries that are fraudulent or for an unlawful purpose, and you will not impersonate any person or entity or misrepresent your affiliation or the purpose of your inquiry.
• Interference with the Site: You will not interfere with or disrupt the proper operation of QuoteKings.com. This means you will not attempt to circumvent any security or access controls, gain unauthorized access to any part of the Site or its systems, or introduce any harmful code such as viruses, worms, or malware. You agree not to perform any attacks such as denial-of-service (DoS) or use the Site in a manner that could damage, disable, or impair our servers or networks.
• Automated Access: You will not use any robot, scraper, crawler, or other automated means to access or extract data from the Site without our prior written permission. The Site and content are intended for normal human use. Any automated scraping or data harvesting (such as for marketing or competitive purposes) is prohibited.
• No Spam or Unwanted Solicitations: You will not use the Site to transmit any spam, chain letters, unsolicited advertisements, or other junk messages to other users, our Advertisers, or to us. You will not collect information from the Site to use for marketing purposes unless you are an approved Affiliate bound by separate agreements.
• No Harmful Content: You will not post or transmit any content on the Site that is defamatory, obscene, harassing, infringing, or otherwise unlawful. While typical users generally do not post content on this Site (as it is for submitting quote requests), to the extent you provide any feedback, comments, or communications via the Site, you must ensure they are civil and lawful. You remain responsible for any content you provide. The Company reserves the right (but not the obligation) to remove any user-submitted content or to terminate access for users who violate these content standards or any other provision of these Terms.

Monitoring and Enforcement: The Company reserves the right to monitor your use of the Site for compliance purposes. If we suspect any violation of these Terms or misuse of our Services, we may investigate and take appropriate action. This can include terminating your access, removing any offending material, cooperating with law enforcement, or pursuing any remedies available at law or equity. Unauthorized use of the Site may result in civil or criminal liability.

5. Consent to be Contacted (Communications & Marketing)

By submitting your contact information (such as telephone number or email address) on our Site, you expressly consent to being contacted by us and by our participating Advertisers for marketing purposes, informational updates, and to fulfill your request for insurance quotes. This section is intended to ensure that we obtain your consent in compliance with applicable laws, including the Telephone Consumer Protection Act (TCPA) and CAN-SPAM Act, and to explain how that consent may be used.

Recording & Monitoring: You agree that phone calls with the Company or our Advertisers may be monitored and/or recorded for quality assurance, training, compliance, or other lawful purposes. We may also keep records of your online interactions (such as the data you submit in quote forms or chats) as proof of consent or for providing our Services, as required by law.

Emails: By providing your email address, you consent to receive email communications from us and from Advertisers. These may include marketing emails promoting insurance products or services, as well as transactional or administrative emails (for example, a confirmation of your quote request, or notifications about changes to our Terms or Privacy Policy). All marketing emails from us or our Advertisers will comply with the CAN-SPAM Act. This means the emails will identify the sender, include a valid business address, provide a clear unsubscribe link, and not use deceptive subject lines or content.

Standard Message and Data Rates: You acknowledge that standard message and data rates may apply to any calls or text messages sent to you by us or our Advertisers. These charges are imposed by your telephone/mobile provider based on your plan and are your sole responsibility. We do not charge you for texting or calling, but you are responsible for any fees from your carrier.

Opt-Out and Revocation of Consent: Your consent to be contacted can be revoked at any time. If you no longer wish to receive marketing communications:

• Emails: You may opt out of marketing emails by clicking the “unsubscribe” link in any promotional email, or by contacting us to request removal. (Note: even after you opt out of marketing emails, we may still send you non-promotional communications as needed, such as responses to customer service inquiries or legally required notices.)

Opting out of our communications will not automatically opt you out of communications from Advertisers that have already received your information. Advertisers are responsible for managing their own contact lists. If you no longer wish to be contacted by a particular Advertiser, please inform that Advertiser directly or follow any opt-out instructions they provide. We require our Advertisers to honor such requests in accordance with law.

Third-Party Communications (Advertisers): When you request a quote through our Site, we will share the personal information you provided (your Lead) with one or more Advertisers in our network so that they can respond to your inquiry. By using our Service and agreeing to these Terms, you are requesting and expressly consenting to have your information transferred to these Advertisers and to receive communications from them. Once your Lead is transferred, Advertisers may contact you directly via phone, text, email, and/or mail to provide quotes or discuss their products. These communications come from the Advertisers, not from QuoteKings directly (though they result from your use of our Service). Keep in mind that any communications or dealings you have with those third parties are governed by their own privacy policies and terms. We contractually require our Advertisers to comply with applicable telemarketing laws (like TCPA) and to only contact consumers who have given the required consent. If you believe an Advertiser obtained your information from us and is not respecting your communication preferences or is violating the law (for example, continuing to call after you opted out), please notify us and we will investigate and take appropriate action.

For more information on how we collect, use, and share your contact information, please see our Privacy Policy. By using the Site and agreeing to these Terms, you are also acknowledging and agreeing to the practices described in our Privacy Policy regarding your personal information.

6. Privacy and Confidentiality of Data

Your privacy is very important to us. Our Privacy Policy (available on the Site) explains in detail what personal information we collect from you, how we use and share it, and what rights and choices you have regarding your data. By using the Site or submitting information, you acknowledge that you have read our Privacy Policy and consent to the Company’s data practices as described therein. This includes the collection, use, and sharing of your information with Advertisers and other third parties for the purposes of providing the Services (for example, sharing your Lead with insurance providers to facilitate quotes), as well as for marketing and other purposes consistent with the Privacy Policy.

We implement reasonable security measures to protect your personal information. However, no website or transmission is completely secure, and we cannot guarantee that unauthorized access or data breaches will never occur. You agree that the Company will not be liable for any such unauthorized access or breach, except as required by law. If you believe your information has been compromised, please contact us immediately.

If you are a resident of certain states (such as California) or jurisdictions, you may have additional privacy rights under laws like the California Consumer Privacy Act (CCPA) or others. Our Privacy Policy provides information about how you can exercise those rights (for example, requesting access or deletion of your data, or opting out of certain data sharing). We will comply with applicable privacy laws and facilitate the exercise of data rights as required by law. For instance, California residents have the right to opt out of the “sale” of personal information; if you wish to do so, please refer to our Privacy Policy for opt-out methods (note: sharing your data with Advertisers to provide quotes may be considered a “sale” under CCPA, and we honor opt-out requests in such cases).

Confidentiality of Communications: Other than the personal data covered by our Privacy Policy, any communication or material you send to us (such as feedback or suggestions) is not confidential or proprietary. We welcome feedback, but if you provide ideas or suggestions, we may use them without any obligation to you. If you are an Advertiser or Affiliate, you may be subject to a separate confidentiality agreement regarding non-public business information shared with you – in such cases, that agreement will govern your obligations to keep our proprietary information confidential.

For detailed information on privacy and data protection, please review our Privacy Policy. If you have any privacy-related questions or requests, you can reach out to us as described in the Contact Us section.

7. Advertisers and Third-Party Services

Our platform includes interactions with third-party Advertisers and may contain links to or integrations with other third-party websites or services. This section describes the responsibilities and limitations regarding those third parties.

No Endorsement or Guarantee of Advertisers: We do not endorse or guarantee any Advertiser or their insurance offerings. While we aim to connect you with reputable, licensed insurance providers, the inclusion of any Advertiser in our network (or any presentation of an Advertiser’s quote or offer to you) does not constitute a recommendation or endorsement by the Company. It is solely an opportunity for you to consider. You are solely responsible for evaluating any insurance product or provider before you make a purchase. We strongly suggest that you compare offers, verify the Advertiser’s credentials (such as licensing and financial stability), and read the policy terms before buying insurance. Any insurance contract you enter is between you and the Advertiser; QuoteKings is not a party to that contract and has no responsibilities or liabilities under it.

Advertiser Licensing and Compliance: We require that all Advertisers in our network be properly licensed to offer and sell insurance in the jurisdictions for which they provide quotes. Insurance is regulated at the state level, and an Advertiser should hold all required licenses issued by the state insurance department (Department of Insurance) in your state of residence, as well as any other state where they conduct insurance business. Advertisers are expected to comply with all applicable insurance laws and regulations, including but not limited to: laws on unfair or deceptive insurance practices, rules on advertising and marketing insurance products, and data privacy/security laws applicable to consumer information they receive. This includes adhering to guidelines and model regulations issued by the National Association of Insurance Commissioners (NAIC) and any directives from state insurance commissioners. For example, Advertisers must provide accurate and not misleading information about their products, must provide any required disclosures (such as coverage terms, exclusions, and consumer rights), and must handle your personal information in a secure and lawful way. Advertisers must not engage in any unlawful discriminatory practices or high-pressure sales tactics that violate state insurance regulations or consumer protection laws. Once your information is passed to an Advertiser, that Advertiser is solely responsible for all subsequent communications and dealings with you, including providing accurate quotes, giving required notices, honoring opt-out requests, and ultimately servicing any policy you might purchase.

Regulatory Compliance (NAIC & DOI Guidelines): We want Users to be aware that insurance lead generation and sales are subject to regulatory oversight. Advertisers in our network have agreed to comply with applicable guidelines such as the NAIC Model Unfair Trade Practices Act and other NAIC model regulations related to marketing, as well as the rules of each state’s Department of Insurance. These rules prohibit unfair or deceptive acts – for example, Advertisers may not misrepresent policy terms or falsely advertise insurance products. They must refrain from misleading statements about coverage or insurer identity, and they must maintain any required records (such as marketing materials or complaint logs) as mandated by law. While we take steps to contractually obligate our Advertisers to follow these laws, the Company is not responsible for monitoring or enforcing an Advertiser’s compliance beyond our contractual relationship. The Advertiser alone is responsible for its conduct. QuoteKings disclaims liability for any acts, errors, or omissions of Advertisers, including any failure by an Advertiser to obtain or maintain proper licensure, or any non-compliance with insurance laws.

Third-Party Websites and Links: The Site may contain links to third-party websites or may direct you to the websites of Advertisers or other partners (for instance, if you choose to apply or purchase a policy, you might be directed to an Advertiser’s online application portal). These external sites are not under our control, and we are not responsible for their content, products, services, or privacy practices. If you click a link to a third-party site or interact with an Advertiser’s site, you do so at your own risk. We encourage you to review the terms and policies of any third-party site you visit. We make no warranties or representations about third-party sites, and we are not liable for any loss or damage that may arise from your use of them. Any dealings you have with a third party (including Advertisers) are between you and that party, and you agree not to involve the Company in any disputes that may arise.

Disclosure of Relationships: In some cases, the Company or its owners/affiliates may have a business relationship with certain Advertisers (such as marketing agreements or common ownership interests). We will disclose any material connections or financial interests where required by law or regulation (e.g., as per Federal Trade Commission guidelines on endorsements). In general, you should assume that when you are connected with an Advertiser through our Site, it is a commercial arrangement and we may be compensated for the referral. We strive to remain impartial despite compensation arrangements, and any fees we receive do not affect the integrity of the information we present.

User Responsibility in Third-Party Interactions: It is your responsibility to vet any insurance provider before doing business with them. We do not guarantee the financial solvency or ability of any Advertiser to pay claims or provide service. You should read the fine print of any policy and understand what is and isn’t covered. If you have questions or concerns about an Advertiser’s offer, ask the Advertiser for clarification or seek independent advice. If you experience any problems with an Advertiser (for example, you believe an agent acted unprofessionally, or an Advertiser did not honor a quote), we encourage you to inform us. While we are not liable for Advertiser conduct, your feedback helps us maintain the quality of our network. We may, at our discretion, investigate and potentially discontinue relationships with any Advertiser who is found to be engaging in inappropriate or unlawful practices.

8. Intellectual Property Rights

Ownership of Site Content: The Site and all content, materials, features, and functionality on QuoteKings.com (including text, graphics, logos, button icons, images, audio clips, software code, and the arrangement or compilation of such content) are owned by the Company or its licensors and are protected by United States and international intellectual property laws. All trademarks and service marks on the Site are the property of the Company or of their respective third-party owners. For example, “QuoteKings” and our logos and slogans are trademarks of the Company. Other product or company names (including those of insurance providers) that appear on the Site are trademarks of their respective owners and are used for identification purposes only; their appearance on the Site does not imply any affiliation with or endorsement by the Company.

Limited License for Personal Use: We grant Users a limited, revocable, non-exclusive, non-transferable license to access and use QuoteKings.com and its content for personal, non-commercial use only, specifically for the purpose of seeking insurance information or quotes through our Services. No other use is permitted. This license is subject to your compliance with these Terms. All rights not expressly granted to you are reserved by the Company. You do not acquire any ownership interest in the Site or any content by using the Site or by downloading material from it.

Prohibited Uses of Content: Unless expressly authorized by us in writing, you must not:

• Republish or Redistribute any content from QuoteKings.com (e.g., posting our articles or form questions on another website).
• Reproduce, duplicate, or copy material from the Site, except for temporary caching or for your own personal reference (such as printing a page for personal use).
• Sell, rent, or sub-license material from the Site. You cannot sell our leads, data, or content to third parties.
• Create derivative works based on the Site’s content (for example, you cannot use our text in your own publication or reverse-engineer our processes).
• Use our trademarks or logos without permission. This includes framing or using meta tags or hidden text using our trademarks. (No use of the “QuoteKings” name, logo, or other proprietary marks is allowed without a trademark license or written consent).
• Use any content for competitive purposes. You may not use information on our Site to build or promote a competing service or to reverse engineer our lead generation methods.
• Remove or obscure any copyright, trademark, or other proprietary notices on the Site or in any content. For example, if content is permitted to be displayed or printed, you must not remove any watermark or notice indicating our ownership.

User-Submitted Content: If certain areas of the Site allow users to post comments, reviews, or other content (e.g., testimonials, feedback, etc.), then any content you post must be your own or you must have permission to post it. By posting content on our Site, you grant the Company a worldwide, royalty-free, perpetual license to use, reproduce, adapt, publish, translate, and display that content in any media. We have the right (but not the obligation) to monitor and remove any user content that we consider inappropriate, offensive, or in violation of these Terms. However, we do not endorse or approve any content posted by users, and we disclaim liability for user content to the fullest extent permitted by law. If you believe another user’s content infringes your rights or violates the law, please notify us.

Feedback: If you send us any feedback or suggestions regarding the Site or Services, you agree that we may use and share such feedback for any purpose without compensation to you and with no obligation of confidentiality.

DMCA Policy: If you believe that any content on our Site infringes your copyright, you may send us a notice under the Digital Millennium Copyright Act (DMCA). Please provide a written notification that includes all the following: identification of the copyrighted work you claim is infringed; identification of the material you claim is infringing (with sufficient detail for us to find it on the Site); your contact information; a statement that you have a good faith belief the use is not authorized; a statement under penalty of perjury that your notice is accurate and you are the copyright owner or authorized to act on their behalf; and your physical or electronic signature. Upon receipt of a valid DMCA notice, we will investigate and remove the content if appropriate, consistent with the DMCA.

Termination of License: If you violate any provision of these Terms, your permission to use the Site and content will automatically terminate. In addition, the Company may terminate the limited license granted to you at any time at its discretion. Upon termination, you must cease any use of the Site content and, at our request, return or destroy any copies of content in your possession.

9. Disclaimer of Warranties

Use at Your Own Risk: Your use of QuoteKings.com and our Services is at your own risk. The Site, including all content, information, and services provided on or through the Site, is provided on an “AS IS” and “AS AVAILABLE” basis. To the maximum extent permitted by law, the Company disclaims all warranties of any kind, whether express, implied, or statutory, regarding the Site and the Services. This includes (but is not limited to) implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties that may arise from course of dealing or usage of trade. We do not guarantee that the Site will be available at any particular time or location, that the Site will be uninterrupted or error-free, or that any defects or errors will be corrected. We also do not guarantee that the Site or any content is free of viruses, malware, or other harmful components, though we take reasonable precautions to secure the Site.

Informational Accuracy: While we strive to keep the information on our Site accurate and up-to-date, we make no warranty or representation as to the completeness or accuracy of any information on the Site. This includes information provided by the Company as well as information provided by third parties (such as insurance rate data or descriptions of insurance products). Insurance quotes displayed or offered through our Service are estimates and subject to change; final rates and terms may differ, especially after an Advertiser gathers additional information from you. We are not responsible for errors or omissions in any content on the Site. It is your responsibility to verify any information before relying on it. Under no circumstances will we be liable for any loss or damage caused by your reliance on information obtained through the Site or Services.

No Guarantee of Quotes or Coverage: The Company does not warrant or guarantee that Users will receive any insurance quotes or offers through our Service. We also do not guarantee that if you receive a quote, the price or terms will be the best available or that the product will meet your expectations or requirements. Any decisions you make regarding insurance are solely your responsibility. You should carefully review all terms and conditions of any insurance offer. If there are any discrepancies between information on our Site and the terms of an actual policy offered by an Advertiser, the policy terms or the Advertiser’s information will control. We disclaim any liability for any failure of an Advertiser to honor a quote or for any differences between an estimated quote and the final terms provided.

Third-Party Content and Services: We make no warranties regarding any third-party content, services, or websites that you may access through our Site. If our Site contains information or content provided by third parties (including Advertisers) or links to third-party sites, we provide that for convenience only and do not warrant its accuracy or completeness. We specifically do not warrant and are not responsible for: (a) information or claims made by Advertisers about their products; (b) the quality or legality of products or services offered by third parties, including insurance policies; or (c) any content on third-party websites. Any dealings you have with third parties (including Advertisers) are solely between you and that party, and we are not responsible for any loss or damage you may incur by engaging with them.

No Professional Advice Warranty: The Company is not providing legal, accounting, or professional advice. Any guidance on the Site is general. You assume full responsibility for any decisions you make based on information obtained from the Site. If you have specific questions about insurance needs, you should consult with a licensed insurance agent or broker.

Technological Disclaimer: You understand that the internet and communication networks can be unpredictable. The Site may occasionally be unavailable due to maintenance, technical issues, or factors beyond our control. We do not warrant that the Site will function without delays, failures, or errors in transmission of data. We are not responsible for any damage to your computer system or loss of data that results from the download or use of the Site or any content (such as from viruses or malware).

Permissible Exclusions: Some jurisdictions do not allow the exclusion of certain warranties (for example, an implied warranty of merchantability), so some of the above exclusions may not apply to you. In such cases, our warranties are limited to the minimum extent permitted by applicable law. Nothing in these Terms will exclude or limit any warranty or liability that cannot be excluded or limited by law (see below regarding certain liabilities we do not limit by law).

10. Limitation of Liability

Broad Limitation: To the fullest extent permitted by applicable law, the Company and its officers, directors, employees, agents, affiliates, and business partners shall not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages whatsoever arising out of or related to your use of (or inability to use) the Site or Services, even if we have been advised of the possibility of such damages. This includes, without limitation, any damages for lost profits, lost savings or revenue, loss of data, loss of goodwill, business interruption, or other intangible losses. We will not be liable for damages relating to your dealings with any third-party (e.g., an Advertiser), such as any claims arising from an insurance policy or product obtained through our Service (for example, if an insurance claim is denied or not fully covered). We will also not be liable for any damage to your computer system or mobile device or for loss of data that results from use of the Site (e.g., from viruses or other harmful code), or for any unauthorized access to or use of our servers and/or any personal information stored therein.

No Liability for Certain Acts: Specifically, the Company will not be liable for any loss or damage caused by:

• Your reliance on any information obtained through the Site. (You are responsible for verifying information and the suitability of any insurance product.)
• Acts or omissions of Advertisers or other third parties. (We are not responsible for what third parties do with your information or how they handle your interactions or transactions.)
• Events beyond our control such as network failures, hacking, war, acts of God, or force majeure events (see Force Majeure clause below).
• Any failure of performance or technical issue including errors, omissions, interruptions, delays, or transmission bugs. If the Site is unavailable or not working properly, we are not liable for any inconvenience or losses this causes.

Cap on Direct Damages: In the event that any liability is found against the Company that is not otherwise excluded under these Terms, the total cumulative liability of the Company to you for all claims arising from or related to the Site, the Services, or these Terms will not exceed the greater of: (a) the total amount (if any) you paid to us for use of the Services in the 12 months preceding the claim (note: typically Users pay $0, since our service to consumers is free), or (b) US $100.00. This means that if, for example, you have a dispute and a court or arbitrator finds we are liable, the maximum damages you can recover from us is $100 (if your jurisdiction allows this limitation).

Some Exceptions Apply: Certain jurisdictions do not allow limitations of liability for personal injury or for intentional misconduct, etc. We do not seek to limit liability for personal injury or death resulting from our negligence or willful misconduct, or for any form of liability that cannot be limited by law. Additionally, if applicable law does not allow the exclusion of certain damages, then the above limitation may not fully apply to you – in such case, our liability is limited to the smallest amount permitted by law. However, you agree that these limitations are agreed allocations of risk and will apply even if any limited remedy fails of its essential purpose.

Release: To the extent permitted by law, you release the Company from any and all claims or liability related to any product or service of an Advertiser or other third party, any action or inaction of an Advertiser, including an Advertiser’s failure to comply with applicable law and/or failure to honor any quote or commitment, any alleged negligence, misconduct, or other wrongdoing by an Advertiser, and any misuse of your personal information by any third party who received it through our Service. If you are a California resident, you waive California Civil Code §1542 which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in their favor at the time of executing the release, which if known by them would have materially affected their settlement with the debtor.”

Applicability: The above disclaimers of warranties and limitations of liability apply to all Users to the fullest extent permitted by law, whether the claim is based in contract, tort (including negligence), strict liability, or any other legal theory. These provisions are fundamental elements of the basis of the bargain between you and the Company. The Services would not be provided without such limitations.

11. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its parent and affiliate companies, and each of their respective officers, directors, employees, agents, partners, and representatives (the “Indemnified Parties”) from and against any and all claims, actions, liabilities, losses, damages, judgments, awards, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to (i) your use or misuse of the Site or Services; (ii) your breach of any provision of these Terms; (iii) your violation of any applicable law or regulation, or of any rights of another person (including intellectual property rights, privacy rights, or other rights); or (iv) if you are an Advertiser or Affiliate, any breach of your obligations to a consumer or third party or any violation of law or regulation by you in connection with your advertising, communications, or services (including, for example, failure to adhere to NAIC or state Department of Insurance regulations in dealing with a lead).

For example, this means if a third party (or government agency) brings a claim against us because of something you did – such as: you used the Site to conduct unlawful telemarketing, or you posted infringing content, or as an Advertiser you mishandled a consumer’s data or made a misleading sales call – then you are responsible for all costs and damages we incur as a result. We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you (at your expense), and you agree to cooperate with our defense of such claim. You agree not to settle any such matter without the prior written consent of the Company, where a settlement would impose any liability or admission of fault on the Company or any Indemnified Party.

Your indemnification obligations shall survive any termination of your relationship with us or your cessation of use of the Site. This means the duty to indemnify can apply even after you stop using the Site or after this contract is ended, for claims based on your past use.

12. Dispute Resolution and Arbitration Agreement

Please read this section carefully, as it affects your legal rights. It requires you to arbitrate most disputes with the Company and limits the manner in which you can seek relief. By agreeing to these Terms, you agree that any disputes between you and the Company will be resolved by binding arbitration on an individual basis, not in court.

12.1. Mandatory Arbitration of Disputes

Agreement to Arbitrate: You and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms, your use of the Site or Services, or any dealings between us (collectively, “Disputes”) shall be resolved through final and binding arbitration, rather than in court, except as expressly provided below. This agreement to arbitrate is governed by the Federal Arbitration Act (9 U.S.C. §§ 1–16) and remains in effect even after termination of these Terms.

By entering into this arbitration agreement, both you and the Company are waiving the right to a trial by jury or to participate in a class or representative action for covered Disputes. Arbitration is typically more informal and limited than a lawsuit in court and is subject to very limited review by courts.

Scope: The term Dispute is to be interpreted broadly. It includes claims based on any legal theory (including contract, tort, fraud, statutory, regulatory, or otherwise) and seeking any form of legal remedy (damages, injunctive relief, etc.). It also includes disputes about the validity, enforceability, or scope of this arbitration agreement (commonly known as “arbitrability” issues). The arbitrator shall have exclusive authority to determine their own jurisdiction and any issues about the interpretation or enforceability of this arbitration provision, including any claim that all or part of this arbitration agreement is void or voidable.

Exceptions: Small Claims: Either you or the Company may elect to have an individual claim heard in small claims court rather than arbitration, only if the claim is within the jurisdictional limit of the small claims court and remains an individual, non-representative matter. If a party files in small claims, that party is responsible for informing the other of that decision so the arbitration can be stayed for that claim.

Government Agencies: Nothing in these Terms prevents you from filing a complaint with a government regulatory agency (such as a state insurance department or the CFPB) if the law allows, and such agency can seek relief on your behalf within its jurisdiction (this is not a waiver of any right by the Company, but an acknowledgment of regulatory rights).

Injunctive Relief: This arbitration agreement does not bar a party from seeking temporary injunctive relief in court as necessary to prevent immediate and irreparable harm (for example, a temporary restraining order). However, the underlying merits of the dispute (beyond the temporary injunction) would still be resolved in arbitration.

Opt-Out Right: You have the right to opt out of this arbitration agreement. If you do not wish to be bound by arbitration and class-action waiver, you must send the Company a written opt-out notice within 30 days of your first acceptance of these Terms. The notice must include your name, address, the email or phone number associated with your use of our Service, and a clear statement that you want to opt out of the arbitration agreement. Send the opt-out notice via an established method (e.g., U.S. mail or email) as provided in the Contact Us section. If you opt out, the arbitration agreement will not apply to you, but the rest of the Terms will remain in effect. Opting out of this arbitration provision has no negative effect on your relationship with us or use of the Service. If you do not opt out within 30 days, you are bound by this arbitration clause.

12.2. Arbitration Procedures

Arbitration Provider and Rules: Arbitration shall be administered by a reputable alternative dispute resolution (ADR) provider. Unless otherwise agreed, we suggest the American Arbitration Association (AAA) as the provider. If AAA is used, the AAA Consumer Arbitration Rules will apply for consumer disputes; if you are using the Site for business purposes, the AAA Commercial Arbitration Rules will apply. You can find these rules on AAA’s website (www.adr.org). If AAA is not available or we mutually agree not to use AAA, we will agree on another comparable arbitration provider or, if we cannot agree, ask a court to appoint an arbitrator pursuant to 9 U.S.C. §5. The arbitrator is bound by the terms of these Terms.

Arbitration Process: To start an arbitration, the claimant must send a written demand for arbitration to the other party (according to the provider’s rules). The arbitration shall be conducted by a single neutral arbitrator. For claims under $25,000, the party initiating the arbitration can choose to have it conducted based only on written submissions (no hearing) or via a telephonic hearing, unless an in-person hearing is required by law. For larger claims, a hearing will typically take place. The arbitrator will decide the time, place, and manner of any hearing, taking into account the parties’ circumstances. If an in-person hearing is held, it will be in a location convenient to you (ideally in your home county) or another mutually agreed location. If you and we cannot agree on a location and the law requires one, it will be in a neutral place as determined by the arbitrator or applicable rules, or as provided by AAA’s Consumer Rules (which often allow in-person in your hometown area).

Arbitrator’s Authority: The arbitrator shall apply substantive law consistent with the Federal Arbitration Act and the applicable statute of limitations, and may award any individual remedies that a court of law could. The arbitrator will provide a reasoned written decision if requested by either party, which can be enforced in any court of competent jurisdiction. The arbitrator may not consolidate more than one person’s claims or otherwise preside over any form of a representative or class proceeding (see below for class action waiver). If any portion of this arbitration agreement (other than the class action waiver) is deemed invalid or unenforceable, it shall not invalidate the remaining portions of the arbitration agreement.

12.3. Class Action Waiver

No Class Actions: You and the Company agree that any dispute resolution proceedings (whether in arbitration or court, if permissible) will be conducted only on an individual basis and not in a class, consolidated, collective, or representative action. We expressly waive any ability to maintain any class action or representative proceeding in any forum. That means neither you nor the Company shall be entitled to arbitrate or litigate any Dispute as a class action, private attorney general action, or in any other proceeding in which either party acts or proposes to act in a representative capacity.

No Consolidation: The arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated without the express written consent of all parties. Each dispute must be arbitrated (or litigated, if applicable) only on an individual basis.

Severability of Class Waiver: If a court or arbitrator determines that the class action waiver in this section is void or unenforceable for any reason, or that an arbitration can proceed on a class basis, then the arbitration provision set forth above in Section 12.1 shall be deemed null and void in its entirety (meaning the parties are not required to arbitrate). In such case, the Dispute may proceed in court, subject to the venue and jurisdiction provisions in Section 13 below, but the class action waiver shall still apply in that no class may be pursued in court. However, if a claim is not arbitrable for a specific reason (like a claim for public injunctive relief in a jurisdiction that doesn’t allow arbitration of that), then that specific claim may proceed in court and all other claims remain in arbitration.

Right to Opt Out Reminder: As noted, you have 30 days to opt out of this arbitration/class waiver if you prefer not to be subject to it, by following the procedure above. If you opt out, you would retain the right to bring a lawsuit in court, including as a class action, subject to applicable law.

12.4. Limitations Period

One-Year Limit to File Claims: You must bring any claim arising out of these Terms or your use of the Site/Services within one (1) year after the claim arises. If you fail to file an arbitration demand or lawsuit for such claim within one year, that claim is permanently barred (this means you waive the claim). This provision applies to the fullest extent permitted by law. (If a one-year limitations period is not allowed by law for your claim, then the shortest allowed period will apply.)

13. Governing Law and Jurisdiction

Governing Law: These Terms and any Dispute arising out of or relating to these Terms, the Site, or the Services shall be governed by the laws of the State of Wyoming, USA, without regard to its conflict of law principles. However, the Federal Arbitration Act governs the interpretation and enforcement of the arbitration agreement in Section 12 (because that involves interstate commerce). If you are accessing the Site from outside the United States, you agree that U.S. law shall apply to the maximum extent permissible.

We make no representation that the Site or content is appropriate or available in any particular location. If you access from a jurisdiction where content is illegal, you do so on your own initiative and are responsible for compliance with local laws.

Jurisdiction and Venue: Subject to the arbitration agreement above, if for any reason a Dispute proceeds in court rather than arbitration, such as if you opt out of arbitration or a claim is determined not to be subject to arbitration, then the exclusive jurisdiction and venue for any legal proceeding shall be the state or federal courts located in the State of Wyoming. You and the Company hereby consent to the personal jurisdiction of such courts for litigating all such claims and agree to waive any objections to the convenience of this venue (forum non conveniens).

Waiver of Jury Trial: If a Dispute proceeds in court (for instance, if the arbitration clause is unenforceable or you opted out), BOTH YOU AND THE COMPANY WAIVE ANY RIGHT TO A JURY TRIAL to the fullest extent permitted by law. Instead, the case would be heard by a judge unless the jury waiver is not enforceable in that jurisdiction.

This Section 13 (Governing Law & Jurisdiction) shall survive termination of these Terms.

14. Modifications to Terms

The Company reserves the right to modify, amend, or update these Terms at any time, in its sole discretion. If we make material changes, we will post the updated Terms on the Site with a new “Last Updated” date. We may also notify you of significant changes via email or via a prominent notice on our Site, but are not required to do so. It is your responsibility to review the Terms periodically for any changes.

Any modifications will be effective immediately upon posting on the Site, unless we indicate a later effective date. By continuing to use the Site or Services after updated Terms are posted, you agree to be bound by the updated Terms. If you do not agree to a change, you should stop using the Site and Services. In the event you have an account or ongoing relationship with us, you may also need to terminate that if you do not accept the new Terms (see Termination section below).

No amendment or modification of these Terms will be valid unless posted or accepted by you as described above. For example, we will not be bound by any alteration of these Terms handwritten on a paper copy of this document or sent to us in correspondence.

15. Termination of Use

By the Company: We may, in our discretion, terminate or suspend your access to the Site and Services (or certain features of the Services) at any time and without prior notice, if we believe that you have violated these Terms or applicable law or for any other reason (including no reason). We also reserve the right to decline to provide the Services to any person in the future, for instance if we have terminated that person before. Additionally, we may delete any content or data that you have submitted or posted (if applicable) for any reason. The Company shall not be liable to you for any termination of your access or deletion of your content, except to the extent that we did not honor the terms of our Privacy Policy with regard to your personal data.

By You: You are free to stop using the Site at any time. If you have created any account with us (for example, as an Advertiser or an account to track quotes), you may terminate your account by contacting us and requesting account deletion. We will process your request as soon as practicable. Keep in mind that if you request deletion of your data or account, we may retain certain information as required by law or for legitimate business purposes (see our Privacy Policy for details on data retention).

Effect of Termination: Upon termination of your access or account for any reason, the rights and licenses granted to you under these Terms will immediately end. You must stop all use of the Site and not attempt to access it if your access has been terminated by us. However, any provisions of these Terms which by their nature should survive termination shall survive (for example, the sections on indemnification, disclaimers, limitations of liability, dispute resolution, and governing law, as well as any licenses you granted to us to use content). Termination does not relieve you of any obligations to pay any fees (if applicable for Advertisers or others) or settle any disputes that may have arisen.

If your account or access was terminated for violation of these Terms, we reserve the right to refuse any new registration or use by you under a different name or identity.

16. Miscellaneous Provisions

Entire Agreement: These Terms, together with our Privacy Policy (and any other policies or additional terms referenced herein or provided at the time of your use of specific services), constitute the entire agreement between you and Quote Kings Media Group, LLC regarding your use of the Site and Services. They supersede all prior or contemporaneous agreements, understandings, communications, or proposals, whether oral or written, related to the subject matter. In case of any conflict between these Terms and any other policy or agreement, the more specific terms of that other policy or agreement (if expressly stated) will govern to the extent of the conflict (for example, an Advertiser may have a separate contract that governs beyond these general Terms).

No Waiver: No waiver by the Company of any provision or right under these Terms shall be effective unless in writing and signed by us. Our failure to insist upon or enforce strict performance of any provision of these Terms shall not be construed as a waiver of any provision or right. Any waiver of a breach of these Terms will not constitute a waiver of any other or subsequent breach.

Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court or arbitrator of competent jurisdiction, that provision shall be severed (removed) or limited to the minimum extent necessary, so that the remainder of the Terms will continue in full effect. The parties agree that the court or arbitrator should give effect to the parties’ intentions as reflected in the provision, to the extent possible, and if a severed provision concerns the class action waiver in the arbitration clause, the severability terms in that clause shall govern.

Force Majeure: The Company will not be liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, government actions, war, terrorism, civil disturbances, labor shortages or strikes, fires, epidemics/pandemics, failures of telecommunications or power, or any other force majeure event.

Relationship of Parties: You and the Company are independent contracting parties. These Terms do not create a partnership, franchise, joint venture, agency, fiduciary, or employment relationship between us. You have no authority to make or accept any offers or representations on behalf of the Company. You agree not to hold yourself out as an employee, agent, or representative of the Company.

Assignment: You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. Any attempted assignment in violation of this provision will be null and void. The Company may freely assign or transfer these Terms (in whole or in part) to an affiliate or in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets related to the Site or Services, or by operation of law.

No Third-Party Beneficiaries: These Terms are intended for the benefit of you and the Company and our respective successors and permitted assigns. No other person or entity shall be a third-party beneficiary to these Terms. For example, even if you share data with an Advertiser through our Service, that Advertiser is not a third-party beneficiary of these Terms, and the existence of our agreement with you does not give any Advertiser rights against us.

Headings: Section headings in these Terms are for convenience only and do not affect the meaning or interpretation of the provisions.

Notices: The Company may provide notices to you by email, postal mail, notifications on the Site, or other legally acceptable means. It is your responsibility to keep your contact information with us (especially your email address) current so you can receive notices. Notices to you will be deemed given (a) in the case of notifications on the Site, upon posting; (b) in the case of email, as of the send date (assuming no bounce back); and (c) in the case of postal mail, 5 business days after sending to the last address provided by you. Notices to us should be sent as provided in the Contact Us section below.

Legal Compliance: You agree to comply with all applicable laws and regulations in connection with your use of the Site and Services. This includes, without limitation, export control laws (if you access the Site outside the U.S.), and all insurance-related laws for Advertisers and Affiliates.

17. Contact Us

If you have any questions, concerns, or complaints regarding these Terms or the Services, or if you need to contact the Company for any reason (including to provide notices, to opt out of arbitration, or to exercise any legal rights), you may reach us at:

Quote Kings Media Group, LLC

Address: 40 E Montgomery Ave, Suite 411, Ardmore, PA 19003, USA

Email: info@quotekings.com

Please use “Terms of Service Inquiry” in the subject line of any correspondence if your inquiry relates to these Terms. Email is often the fastest way to reach us, but for any formal legal notices (such as opting out of arbitration or a notice of dispute), we recommend sending via a trackable mail service as well.

We will do our best to address your inquiry promptly. Thank you for using QuoteKings.com and for reviewing these Terms of Service. By understanding your rights and obligations under this agreement, we hope you have a secure and informed experience on our platform.