Terms and Conditions

Last Updated: February 10, 2026

Welcome to Ameriquote. These Terms and Conditions ("Terms") govern your use of our website and services. By accessing or using our website, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, please do not use our services.

1. Acceptance of Terms

By submitting a quote request through our website, creating an account, or otherwise using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions, as well as our Privacy Policy.

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to our website. Your continued use of our services after changes are posted constitutes your acceptance of the modified Terms.

2. Description of Services

Ameriquote operates as a lead generation and distribution platform connecting consumers seeking insurance quotes with licensed insurance carriers, agents, and brokers. Our services include:

• Providing an online platform for consumers to request insurance quotes
• Matching consumers with insurance providers based on their needs and profile
• Facilitating connections between consumers and insurance providers
• Providing educational information about insurance products

3. Eligibility and User Requirements

To use our services, you must:

• Be at least 18 years of age
• Be a resident of the United States
• Have the legal capacity to enter into binding contracts
• Provide accurate, current, and complete information
• Have authorization to provide any phone numbers you submit

By using our services, you represent and warrant that you meet these eligibility requirements.

4. Information You Provide

Accuracy of Information

You agree to provide accurate, current, and complete information when submitting quote requests. Providing false, inaccurate, or misleading information may result in:

• Inaccurate insurance quotes
• Denial of coverage by insurance providers
• Termination of your access to our services
• Legal liability for fraudulent information

Updates to Your Information

You are responsible for updating your information if it changes. You may contact us at the information provided below to update your details.

5. Consent to Contact

Methods of Contact

You consent to receive communications via:

• Telephone calls (including calls using an automatic telephone dialing system, artificial voice, or prerecorded messages)
• Email messages
• Postal mail

Telephone Contact Consent

By providing your telephone number(s), you specifically consent to receive:

• Calls from multiple insurance providers and marketing partners
• Calls made using automated dialing technology
• Prerecorded or artificial voice messages
• Calls to wireless telephone numbers you provide

You represent that you are the subscriber or customary user of any telephone number you provide and have the authority to provide consent for calls to that number.

Not a Condition of Purchase

Your consent to be contacted is not a condition of purchasing any goods or services. However, refusing to provide consent may limit our ability to connect you with insurance providers and fulfill your quote request.

Revoking Consent

You may revoke your consent to be contacted at any time by contacting us using the information provided in Section 17. Please note that revoking consent may affect our ability to provide you with insurance quotes and services.

6. Information Sharing and Third Parties

When you submit a quote request, you acknowledge and agree that:

• Your information will be shared with multiple insurance providers and marketing partners
• You may be contacted by several different companies
• Each company that contacts you operates independently
• We are not responsible for the actions, practices, or communications of third party insurance providers
• Your relationship with any insurance provider you choose is between you and that provider

For more information about how we share your data, please review our Privacy Policy.

7. No Insurance Advice or Recommendations

Ameriquote does not:

• Provide insurance advice or recommendations
• Evaluate the suitability of specific insurance products for your needs
• Endorse or guarantee any insurance provider or product
• Act as an insurance agent, broker, or carrier

Any insurance-related decisions you make are your sole responsibility. We encourage you to carefully review all insurance products and consult with licensed insurance professionals before making purchase decisions.

8. No Guarantee of Quotes or Coverage

Ameriquote does not guarantee that:

• You will receive insurance quotes
• You will qualify for insurance coverage
• Quotes will be at any particular price or rate
• Any specific insurance provider will contact you
• Insurance providers will accept your application

Insurance approval, pricing, and coverage terms are determined solely by insurance providers based on their underwriting criteria.

9. Fees and Payments

Ameriquote's quote request services are provided to consumers free of charge. You will not be charged any fees by Ameriquote for:

• Submitting quote requests
• Receiving quotes from insurance providers
• Being connected with insurance professionals

However, if you choose to purchase insurance from a provider, you will be responsible for paying premiums and any other fees directly to that insurance provider according to their terms.

10. Intellectual Property

All content on the Ameriquote website, including but not limited to text, graphics, logos, images, videos, software, and compilations, is the property of Ameriquote or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws.

You may not:

• Copy, reproduce, distribute, or create derivative works from our content without permission
• Use our trademarks, service marks, or logos without authorization
• Frame or mirror any portion of our website
• Use automated systems (bots, scrapers, etc.) to access our website

11. Prohibited Uses

You agree not to use our services to:

• Submit false, inaccurate, or fraudulent information
• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Transmit spam, chain letters, or unsolicited communications
• Interfere with or disrupt our services or servers
• Attempt to gain unauthorized access to our systems
• Use our services for any illegal or unauthorized purpose
• Collect or harvest information about other users
• Submit multiple quote requests with different information

We reserve the right to terminate your access to our services for any violation of these prohibited uses.

12. Disclaimers and Limitations of Liability

Service "As Is"

Our 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 warranties of merchantability, fitness for a particular purpose, or non-infringement.

No Warranty

We do not warrant that:

• Our services will be uninterrupted, secure, or error-free
• Results obtained from our services will be accurate or reliable
• The quality of any products, services, or information obtained through our services will meet your expectations
• Any errors in our services will be corrected

Limitation of Liability

To the maximum extent permitted by law, Ameriquote, its officers, directors, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your use or inability to use our services
• Any unauthorized access to or use of your personal information
• Any interruption or cessation of our services
• Any bugs, viruses, or other harmful code transmitted through our services
• Any errors or omissions in any content
• Any conduct or content of any third party, including insurance providers
• The actions of insurance providers who contact you

Our total liability to you for any claims arising from your use of our services shall not exceed $100.

13. Indemnification

You agree to defend, indemnify, and hold harmless Ameriquote, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including attorney's fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any third-party rights, including intellectual property rights
• Any false, inaccurate, or fraudulent information you provide
• Your interactions with insurance providers or other third parties

14. Third-Party Links and Services

Our website may contain links to third-party websites and services that are not owned or controlled by Ameriquote. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third party websites or services.

You acknowledge and agree that Ameriquote shall not be responsible or liable, directly or indirectly, for any damage or loss caused by or in connection with use of any third party content, goods, or services.

15. Dispute Resolution and Arbitration

Informal Resolution

If you have any dispute with Ameriquote, you agree to first contact us and attempt to resolve the dispute informally by contacting us at the information provided in Section 17.

Binding Arbitration

If we cannot resolve a dispute informally, any dispute, claim, or controversy arising out of or relating to these Terms or your use of our services shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association.

The arbitration shall take place in King County, Washington, unless otherwise agreed. The decision of the arbitrator shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Class Action Waiver

You agree that any arbitration or proceeding shall be limited to the dispute between you and Ameriquote individually. To the full extent permitted by law:

• No arbitration or proceeding shall be joined with any other
• There is no right or authority for any dispute to be arbitrated on a class-action basis
• There is no right or authority for any dispute to be brought in a purported representative capacity

Exceptions to Arbitration

Either party may seek equitable relief in court for infringement or other misuse of intellectual property rights.

16. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Washington, without regard to its conflict of law provisions.

You agree to submit to the personal jurisdiction of the state and federal courts located in King County, Washington for any actions not subject to the arbitration provision in Section 15.

17. Contact Information

If you have any questions about these Terms and Conditions, please contact us:

18. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

19. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Ameriquote regarding your use of our services and supersede all prior agreements and understandings, whether written or oral.

20. Waiver

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

21. Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign or transfer these Terms at any time without restriction and without notice to you.

22. Termination

We reserve the right to terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including but not limited to breach of these Terms.

Upon termination, your right to use our services will immediately cease. Sections of these Terms that by their nature should survive termination shall survive, including but not limited to disclaimers, limitations of liability, and dispute resolution provisions.

23. Force Majeure

Ameriquote shall not be liable for any failure or delay in performance due to causes beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, strikes, government actions, or internet service failures.

24. Notice

We may provide notices to you via email, regular mail, or postings on our website. You agree that notices provided electronically satisfy any legal requirement that such communications be in writing.