Agreement to Terms
Welcome to InsuranceSaver.online ("Website"), operated by InsuranceSaver ("Company," "we," "us," or "our"). By accessing or using this Website or any of our services, you agree to be legally bound by these Terms of Use and our Privacy Policy.
If you do not agree with any part of these terms, you must discontinue use of the Website immediately. These terms include a mandatory arbitration provision and a class action waiver, which affect your legal rights. Please review those sections carefully.
We reserve the right to update these Terms at any time. Continued use of the Website after changes are posted constitutes your acceptance of the revised Terms.
Third-Party Services
InsuranceSaver.online is a marketing and referral platform that connects consumers with independent insurance brokers, agents, and service providers ("Service Providers"). We are not an insurance underwriter, carrier, or licensed insurance agent.
We do not:
- Underwrite, issue, or guarantee any insurance policy
- Endorse or recommend any specific Service Provider or their products
- Verify the licensing, credentials, or qualifications of Service Providers
- Guarantee the accuracy of any quote, rate, or coverage information
Any transaction, agreement, or relationship formed between you and a Service Provider is solely between you and that provider. We are not a party to such arrangements.
Acceptance Policy
Submitting a request through our Website does not guarantee acceptance of an insurance application or policy. Service Providers retain full discretion to accept, decline, or modify any application based on their own underwriting criteria.
Service Providers may request additional documentation, including but not limited to:
- Health and medical records
- Financial statements or credit information
- Vehicle registration and driving history
- Property records or inspection reports
We are not responsible for any unfulfilled requests resulting from an applicant's ineligibility or a Service Provider's decision.
Service Provider Liability
We act as an intermediary only. We make no warranties, representations, or guarantees regarding the quality, reliability, solvency, or conduct of any Service Provider listed or referred through our Website.
To the fullest extent permitted by law, you release us from any and all losses, costs, damages, claims, or liabilities arising from your interactions with or reliance upon any Service Provider, their quotes, rates, coverage terms, or services.
Consumer Report Practices
By submitting a request through our Website, you acknowledge and consent that we and our Service Providers may access consumer reports and background information to evaluate your request. This may include:
- Credit history and credit score inquiries
- Driving and motor vehicle records
- Claims history and loss run reports
- Public records and background checks
Eligibility & Permitted Use
To use our Website and services, you must:
- Be at least 18 years of age
- Be a legal resident of the United States
- Provide truthful, accurate, and current information in all submissions
- Use the Website only for personal, non-commercial purposes
The following activities are strictly prohibited:
- Commercial resale or exploitation of our content or data
- Automated scraping, crawling, or data harvesting
- Submitting false, misleading, or fraudulent information
- Interfering with or disrupting the Website's operation or security
- Reverse engineering any portion of the Website
Intellectual Property
All content on this Website — including text, graphics, logos, images, audio clips, and software — is the property of InsuranceSaver or its content suppliers and is protected by applicable copyright, trademark, and intellectual property laws.
You are granted a limited, non-exclusive, non-transferable license to:
- Make one machine-readable copy for personal use
- Print one copy of any page for personal reference
You may not copy, reproduce, distribute, modify, create derivative works, publicly display, transmit, or commercially exploit any content from this Website without our prior written consent.
Communications — Email, Phone & SMS
By registering or submitting information through our Website, you expressly authorize us and our Service Providers to contact you using the information provided, including via:
- Telephone (including mobile)
- SMS / text messages
- Automated telephone dialing systems (ATDS)
- Pre-recorded voice messages
- Postal mail
To opt out of SMS communications at any time, reply STOP to any text message. To opt out of email communications, use the Unsubscribe link in any email footer. You may also contact us directly to request removal.
Financial & Insurance Decisions
The information provided on this Website is for general informational purposes only and does not constitute professional insurance, financial, legal, or tax advice.
Before making any insurance or financial decision, we strongly encourage you to consult with a qualified and licensed insurance agent, broker, financial advisor, or attorney who can evaluate your specific circumstances and needs.
We are not responsible for any decision you make based on information obtained through our Website or any third-party service referred through our platform.
Third-Party Content & Advertising
Our Website may contain links to third-party websites, advertisements, or sponsored content. We do not control, endorse, or assume responsibility for any third-party content, products, services, or practices.
We are not liable for any loss or damage arising from your use of or reliance on any third-party content, website, or service accessed through our Website. Visiting linked third-party sites is at your own risk, and we encourage you to review the terms and privacy policies of those sites.
Copyright Infringement Notice
If you believe that content on our Website infringes your copyright, please send a notice to contact@insurancesaver.online that includes:
- Your electronic or physical signature as the copyright owner or authorized representative
- A description of the copyrighted work you claim has been infringed
- The specific URL or location of the allegedly infringing material on our Website
- Your name, address, telephone number, and email address
- A statement that you have a good-faith belief that the use is unauthorized
- A statement, under penalty of perjury, that the information in your notice is accurate
Disclaimer of Warranties & Limitation of Liability
This Website and all services are provided on an "AS IS" and "AS AVAILABLE" basis, without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that:
- The Website will be error-free or uninterrupted
- Quotes or rates obtained are accurate or complete
- Any defects will be corrected
- The Website or servers are free of viruses or harmful components
To the maximum extent permitted by applicable law, our total liability for any claim arising out of or related to these Terms or your use of the Website shall not exceed the amounts, if any, paid by you to us in the preceding twelve (12) months.
Note: Some jurisdictions do not allow limitations on implied warranties or exclusion of incidental or consequential damages. These limitations may not apply to you.
Electronic Communications & Signatures
By using our Website, you consent to receiving communications from us electronically, including via email, website notices, and text messages. These electronic communications satisfy any legal requirement that such communications be in writing.
Clicking "Submit," "Get Quotes," or any similar button on our Website constitutes your legally binding electronic signature on all related forms and agreements, in accordance with the Electronic Signatures in Global and National Commerce Act (E-Sign Act, P.L. 106-229).
General Provisions
Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding your use of the Website and supersede all prior agreements.
Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
No Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
Relationship: Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between you and us.
Governing Law: These Terms are governed by the laws of the United States and the state in which InsuranceSaver is incorporated, without regard to conflict of law principles.
Contact Us: Questions about these Terms may be directed to contact@insurancesaver.online.