Terms of Use

1. Eligibility and authority

You must be at least 18 years old, have legal capacity to agree to these Terms, and use the Service only for yourself or for another person when you have lawful authority to act for them. Agency-workspace users must be authorized by their organization and must keep their account information current and confidential.

2. What QuoteMe provides

QuoteMe collects and organizes requests for insurance information and helps route them to agencies, licensed insurance professionals, insurers, and other authorized insurance participants. QuoteMe may also provide workflow, assignment, analytics, communication, recordkeeping, export, and administrative tools to authorized agency users.

Unless expressly identified otherwise in writing, QuoteMe is a technology and request-routing service—not an insurance carrier. The availability and identity of the agency, producer, or insurer handling a request may depend on product, state, appointment, eligibility, capacity, and business rules.

3. No coverage, quote, or binding authority

Submitting a request does not apply for, purchase, issue, renew, modify, or bind insurance coverage. A preliminary indication, comparison, or discussion is not a binder, declarations page, or policy. Coverage exists only when an authorized insurer or properly authorized representative expressly confirms binding and all required conditions, applications, signatures, payments, and underwriting requirements have been satisfied.

4. No guarantee of price, savings, eligibility, or placement

QuoteMe does not guarantee that any insurer will offer coverage; that any particular product, carrier, limit, deductible, discount, bundle, premium, or payment plan will be available; that information displayed is complete for your circumstances; or that using the Service will produce savings. Final eligibility, classification, underwriting, pricing, coverage terms, exclusions, and issuance are determined by the insurer and applicable insurance documents.

5. Not insurance, legal, tax, or financial advice

General website content is educational and does not replace advice from a licensed professional who has reviewed your complete circumstances. You are responsible for reviewing applications, quotes, binders, policies, endorsements, exclusions, limits, deductibles, and cancellation or nonrenewal notices. Do not cancel existing coverage until you have confirmed replacement coverage is effective.

6. Your information and continuing duty to update it

You agree to provide complete, current, and accurate information and to correct material changes. Inaccurate, omitted, or misleading information may affect quotes, eligibility, premiums, claims, or coverage and may result in rejection, rescission, cancellation, or other consequences under applicable law. You authorize QuoteMe to transmit the information you submit to the authorized participants needed to respond to your request, as described in the Privacy Notice.

7. Communications and electronic records

When you submit a request and accept the displayed contact disclosure, you authorize the identified licensed insurance professionals or agencies to contact you about that request using the telephone number and email address you provide, including by call, text, or email as stated in the disclosure. Consent to contact is not a condition of purchasing insurance. Message and data rates may apply. You may revoke contact permission by telling the caller or sender, replying STOP where supported, or contacting us; revocation does not affect communications already lawfully made.

You consent to receive records relating to the Service electronically. You may retain copies by downloading or printing them. You need a current browser, internet access, and a device capable of displaying web pages and PDF files. Insurance participants may require separate electronic-delivery consent for policy documents or notices.

8. Accounts and security

Agency-workspace credentials are personal to the authorized user and may not be shared. Users must use reasonable security measures, promptly report suspected compromise, access only records they are authorized to view, and comply with their organization’s privacy, licensing, security, and recordkeeping duties. The organization is responsible for assigning appropriate roles and promptly disabling access that is no longer needed.

9. Acceptable use

You may not:

• Submit false, fraudulent, unlawful, harassing, or unauthorized requests, or impersonate another person.
• Use bots, scripts, scraping, automated submissions, or other means to overwhelm, probe, or extract data from the Service without written permission.
• Attempt to bypass rate limits, authentication, authorization, tenant separation, or other security controls.
• Upload malware or harmful code; interfere with availability; reverse engineer protected portions; or test vulnerabilities without prior written authorization.
• Access, export, use, or disclose personal information except for a legitimate authorized insurance purpose and in compliance with law.
• Use the Service to violate insurance, privacy, consumer-protection, marketing, telemarketing, sanctions, export, or other applicable law.

We may rate-limit, block, suspend, preserve evidence concerning, or report activity that threatens the Service or others.

10. Intellectual property and feedback

The Service, software, design, text, graphics, logos, and other content are owned by QuoteMe or its licensors and are protected by intellectual-property laws. We grant you a limited, revocable, nonexclusive, nontransferable license to use the Service for its intended purpose. You retain ownership of information you submit. You grant QuoteMe the rights necessary to host, process, reproduce, transmit, and display that information to operate and improve the Service and fulfill your request. Feedback may be used without restriction or compensation, without identifying you publicly.

11. Third-party services and links

The Service may interoperate with hosting, database, email, analytics, insurer, agency, quoting, or other third-party services. Their products, decisions, availability, content, security, and privacy practices are governed by their own terms. A link or integration does not constitute a guarantee or endorsement.

Address suggestions are provided using Google Maps Platform. Your use of that feature is also subject to the Google Maps/Google Earth Additional Terms of Service and the Google Terms of Service. You may instead enter an address manually.

12. Service availability and changes

We may change, maintain, suspend, or discontinue features and may establish reasonable use limits. We work to keep the Service reliable, but uninterrupted or error-free availability is not guaranteed. You are responsible for keeping copies of records your organization is legally required to retain and for maintaining appropriate business-continuity procedures.

13. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” QUOTEME DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE. QUOTEME DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, ACCURATE, OR ERROR-FREE, OR THAT AN INSURANCE REQUEST WILL PRODUCE AN OFFER OR RESULT.

Nothing in these Terms excludes a warranty or right that cannot lawfully be waived, including applicable California consumer rights.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, QUOTEME AND ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, OFFICERS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS INTERRUPTION, ARISING FROM OR RELATED TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY. QUOTEME’S AGGREGATE LIABILITY FOR CLAIMS RELATING TO A CONSUMER’S FREE USE OF THE PUBLIC SERVICE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100).

These limitations do not apply where prohibited by law and do not limit liability for fraud, willful misconduct, gross negligence, violation of nonwaivable statutory rights, or any other liability that cannot lawfully be limited. Separate written agreements govern paid agency customers and control if they conflict with these Terms.

15. Indemnification by business users

To the extent permitted by law, an agency or other business user agrees to defend and indemnify QuoteMe from third-party claims arising from that organization’s unlawful use of the Service, unauthorized access or disclosure, violation of licensing or communication rules, or content and instructions it supplies. This section does not require an individual consumer to indemnify QuoteMe for merely submitting a personal insurance request.

16. Governing law and disputes

California law governs these Terms, without regard to conflict-of-law principles, except where federal law or another jurisdiction’s nonwaivable consumer law applies. Before filing a claim, you and QuoteMe agree to make a good-faith effort to resolve the issue by written notice. Nothing here limits a right to contact an insurance or privacy regulator, bring an eligible claim in small-claims court, or pursue a remedy that cannot lawfully be restricted. These Terms do not impose mandatory arbitration or a class-action waiver.

17. Termination

You may stop using the Service at any time. We may suspend or terminate access for violation of these Terms, security risk, legal requirement, nonpayment under a separate business agreement, or discontinuation of the Service. Provisions that by their nature should survive—including ownership, disclaimers, liability limits, indemnity, dispute, and recordkeeping provisions—remain effective after termination.

18. Changes; severability; no waiver

We may update these Terms by posting a revised version and changing the effective date. Material changes will receive additional notice when required. Continued use after the effective date constitutes acceptance, except where law requires express consent. If a provision is unenforceable, it will be limited to the minimum extent necessary and the remainder will continue. Failure to enforce a provision is not a waiver. These Terms and any applicable written business agreement are the entire agreement concerning the Service.

19. Contact

Questions about these Terms may be sent to hello@divinesoftwaresystems.com. Privacy requests are described in the California privacy rights section of our Privacy Notice.