Terms of Use

Welcome to the website located at saveonyourautoinsurance.com (the "Website" or "Site"), which we ("we", "us," etc.) provide to you ("you") contingent upon your agreement to these Terms of Use and Privacy Policy. By accessing the Website or using the Service (as defined below), you agree to be bound by and comply with the following Terms of Use including the Privacy Policy.

By accessing or using the Website or our Services (as defined below), you acknowledge that you have read, understood, and agree to be bound by the terms and conditions of these Terms & conditions (this "Agreement" or "Terms") and our Privacy Policy (the "Privacy Policy"), which is incorporated herein by reference. If you do not agree to the Terms of Use or Privacy Policy, you may not access or use the Website.

THIS AGREEMENT CONTAINS AN ARBITRATION AGREEMENT AND CLASS ACTION WAIVER THAT WAIVE YOUR RIGHT TO A COURT HEARING OR JURY TRIAL OR TO PARTICIPATE IN A CLASS ACTION. ARBITRATION IS MANDATORY AND THE EXCLUSIVE REMEDY FOR ANY AND ALL DISPUTES UNLESS SPECIFIED BELOW OR UNLESS YOU OPT-OUT.

Third Party Offerings

Our aim is to connect users with insurance brokers, insurance companies, insurance brokers, insurance agents, discount program representatives and other insurance professionals ("Service Providers"). The Website offers various applications, widgets, email notifications and other services (the "Service" or "Services") that provide a venue through which you can obtain information and find Service Providers. You understand and agree that we are not the issuer of the products featured on the Website, we are not an insurance underwriter, do not endorse or recommend the products or services of any Service Provider, and are not an agent or advisor to you or any service provider. We do not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers.

Acceptance Policy

We reserve the right at any time after receipt of your request to further transfer the request or decline your request for any reason. We may require additional verification or other information, which may include health information and medical history, financial information, the make and model of your vehicle, driving records, etc. before further transferring any insurance request. Your receipt of an electronic or other form of confirmation does not signify acceptance of your insurance request, nor does it constitute confirmation of any offer to provide a policy. We are not responsible for requests that cannot be fulfilled or unsuccessful requests arising from an applicant's ineligibility to qualify for or otherwise obtain a policy, or an inability to pay premiums.

Service Providers

We, as the operator of this Website, are not an insurance broker or an insurance company, are not a representative or an agent to any broker or insurance company, do not endorse any particular broker or insurance provider, and do not make any insurance decisions. We will submit the information you provide to a Service Provider. It is your sole responsibility to investigate Service Providers. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Service Provider's products or services. You are solely responsible for your financial decisions, and we urge you to obtain the advice of financial advisors, insurance agents, brokers and other qualified professionals who are fully aware of your individual circumstances before you make any financial or insurance decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers. Further, you acknowledge and agree that we are not a Service Provider, financial institution, insurance provider, or credit card provider. Our Services are limited to helping connect you with Service Providers. We do not, and will not, make any coverage or credit decision with any Service Provider referred to you. We do not issue mortgages, credit cards, insurance coverage or any other financial products. We do not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by Service Providers. This Website does not constitute an offer or solicitation for automobile or other insurance. Providing your information on this Website does not guarantee that you will be approved for automobile or other insurance. Not all insurance providers can or will insure your vehicle. The quotes, rates or savings advertised by/on this website are not necessarily available from all providers or advertisers. Your actual quotes, rates or savings will vary based on many different factors like: coverage limits, deductibles, driving history, education, occupation, type of vehicle, location, and more. We do not guarantee that quotes, fees, terms, rates, coverage or services offered by Service Providers are the best available. Results of using the Service may vary according to individual information provided. (Avg. monthly expenditure for auto insurance is $89 (based on the NAIC 2020/2021 Auto Insurance Database Report). In addition, we do not guarantee that you will be matched with a Service Provider. YOU ACKNOWLEDGE AND AGREE THAT WE ARE SOLELY AN INTERMEDIARY BETWEEN YOU AND SERVICE PROVIDERS, AND WE EXPRESSLY DISCLAIM LIABILITY FOR ANY CONTENT, PRODUCTS OR SERVICES PROVIDED BY SERVICE PROVIDERS. YOU RELEASE US OF ANY AND ALL LOSSES, COSTS, DAMAGES OR CLAIMS IN CONNECTION WITH, ARISING FROM, OR RELATED TO YOUR USE OF A SERVICE PROVIDER'S PRODUCTS OR SERVICES.

IMPORTANT NOTICE REGARDING CONSUMER REPORT PRACTICES. BY SUBMITTING YOUR INFORMATION TO THE WEBSITE, YOU ARE PROVIDING YOUR EXPRESS WRITTEN CONSENT UNDER ANY APPLICABLE LAW FOR THE WEBSITE AND SERVICE PROVIDERS TO PULL YOUR CONSUMER CREDIT PROFILE OR OTHER BACKGROUND INFORMATION ABOUT YOU. FOR EXAMPLE, CONSUMER AND CREDIT REPORTS AND DRIVING RECORDS MAY BE ORDERED IN CONNECTION WITH YOUR QUOTE REQUEST. THESE REPORTS MAY PROVIDE ADDITIONAL INFORMATION THAT MAY ASSIST SERVICE PROVIDERS IN DETERMINING YOUR ELIGIBILITY FOR THEIR PRODUCTS OR SERVICES, AND RATES THAT YOU MAY BE CHARGED. CONSUMER REPORTS MAY ALSO BE USED FOR UPDATES, RENEWALS, OR EXTENSIONS OF ANY INSURANCE YOU MAY OBTAIN. A PROVIDER MAY ALSO OBTAIN AND USE A CREDIT-BASED INSURANCE SCORE CONTAINED IN YOUR CREDIT REPORT. THIS INFORMATION MAY BE COMBINED BY A SERVICE PROVIDER WITH INFORMATION YOU SUBMIT TO US, AND BY SUBMITTING INFORMATION TO THE WEBSITE, YOU ACKNOWLEDGE THAT YOU ARE PROVIDING YOUR WRITTEN PERMISSION TO OUR SERVICE PROVIDERS TO OBTAIN YOUR CREDIT REPORT. ALTHOUGH SOME INQUIRIES WILL NOT AFFECT YOUR CREDIT SCORE, NOTE THAT CERTAIN PROVIDERS AND AFFILIATES MAY INITIATE A CREDIT INQUIRY THAT WILL IMPACT YOUR CREDIT SCORE.

Your Access and Use of the Services

You are under no obligation to use our Website or Service to initiate contact, nor apply for insurance or any product with any broker or insurance company. We receive compensation, in the form of referral fees, from the insurance carriers, aggregators, or other offers that we may direct you to. By downloading, accessing or using the Website, you represent that you are at least eighteen (18) years old or the legal age of majority in your jurisdiction, whichever is greater, that you are a resident of the United States of America, and that you agree to these Terms. The Website and its contents, including the information available on it, are intended for personal, non-commercial use only and only by U.S. residents. You agree to abide by all applicable federal, state, and local laws and regulations with respect to your use of the Website, and you shall provide only true, accurate, current, and complete information (and updates thereto) when submitting information through the Website. You shall only use the Website as permitted by this Agreement, and you shall not disrupt or intercept electronic information posted on this Website or on any of our servers or use the Website for any illegal or inappropriate purpose. We reserve the right, in our sole discretion, to change, modify, or eliminate, and restrict or block access to, all or any part of the Website, or to cancel any transaction, without notice, at any time, for any or no reason. You agree not to make any commercial use of the Service or the Website, including in particular, licensing, sale, transfer or other exploitation of the content of the Website or the Service.

The information, data, software and content viewable on, contained in, or downloadable from the Website and the Services, including, without limitation, all software, text, graphics, charts, pictures, photographs, images, videos, line art, icons and renditions, and their selection, coordination, arrangement, presentation, display and enhancement (collectively, the "Content") are copyrighted by, or otherwise licensed to, us or our suppliers. All Content is our property or the property of our software vendors and is protected by United States and international copyright laws. You shall not copy, distribute, redistribute, transmission, publication or use, other than the non-commercial use of the Content is permitted by you without our prior written permission. You shall not collect or harvest any personally identifiable information, including account names, from our Services. You shall not use any communication systems provided on our Services for any commercial or solicitation purposes. You shall not solicit for commercial purposes any users of our Services without our prior written permission.

Subject to your agreement to these Terms, we grant you a limited license to access, print, download or otherwise make personal use of the Content in the form of: (i) one machine-readable copy; (ii) one backup copy; and (iii) one print copy, for your non-commercial use. You may not modify the Content or use it for any commercial purpose or any other public display, performance, sale, or rental, decompile, reverse engineer, or disassemble the Content, or transfer the Content to another person or entity. Any action by you that, in our sole discretion: (i) violates the terms and conditions of this Agreement or the Privacy Policy; (ii) restricts, inhibits or prevents any access, use or enjoyment of our Services; or (iii) through the use of our Services, defames, abuses, harasses, offends or threatens, shall not be permitted, and may result in your loss of the right to access and use our Services. You shall not modify, scrape, embed, frame, spider, deep link or use other similar automated data gathering or extraction tools, program, algorithm or methodology, meta tags or any other "hidden text" to access, acquire, copy or monitor our Website or Services or any portion of our Website or Services or for any other purpose, without our prior written permission.

Payment

Use of the Website and the Service may be subject to payment. However, we are not involved with and are not responsible for any fee arrangement that you may enter into with any Service Provider.

Email, Telephone, and SMS Communication

You must provide your email address and telephone number when registering to access any Service. By providing your email address or phone number on the Website, you expressly authorize us and our Service Providers to contact you by telephone, fax and email at the telephone numbers and email addresses provided, concerning (i) your insurance needs or quote requests, (ii) any issue regarding our Services, (iii) in response to quotes you have requested from us or our Service Providers, and (iv) to provide information or offers that may be of interest to you. We and our Service Providers may contact you at any telephone numbers, cellular or otherwise, that you provide us. You agree that such communications may be sent to your mobile phone via automated telephone dialing system, prerecorded calls, text messages, SMS, MMS, picture messages, live and prerecorded telephone calls, including on landlines and wireless numbers, even if the phone number you provide is on a corporate, state or national Do Not Call list. Further, you agree to receive marketing emails even if you previously opted out of receiving marketing emails from us or from specific Service Providers. You also consent to us and Service Providers making automated or prerecorded calls or sending text messages to your mobile telephone number using automated technology, including but not limited to reminding you about deadlines or confirming your contact information. Your consent is not required to make a purchase. Without limiting anything in the Privacy Policy, you authorize Service Providers, and their affiliates and third-party service providers, to conduct all necessary research with your information, including checking your credit history, if applicable, for purposes of providing you with information you requested through the Website.

If you do not want to receive such emails, telephone calls, or text messages, you may opt out (i) during the registration process, or (ii) by emailing the address at the bottom of the emails with "UNSUBSCRIBE" or by texting "STOP" or "OPT-OUT" as specifically set forth in the communication. For more information, please see our Privacy Policy.

You Are Responsible for Your Financial Decisions

We do not endorse or recommend the products or services of any Service Provider, and we are not an agent or advisor to you or any Service Provider. It is your responsibility to investigate Service Providers. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Service Provider's products or services. We urge you to obtain the advice of financial advisors, insurance agents, brokers or other qualified professionals who are fully aware of your individual circumstances before you make any financial or insurance decisions. For questions regarding your insurance policy, please contact your broker or insurance company directly. Residents of some states may not be eligible for insurance or may be subject to large premiums.

No Representation Regarding Third Party Content

We make no representations or endorsements regarding the quality, safety, truth, accuracy, reliability, completeness, condition or usefulness of any third-party content posted on the Website, hyperlinks to third-party websites outside of the Website, or any content posted on third-party websites. We are not liable for the terms and consequences of any commercial transaction concluded as a result of any advertisement placed on or available through the Website. The amount of compensation provided, along with other factors, may impact which policy or offer you are presented. The offer you receive may be coming from the company that bid the most for your information. This Website does not always provide you with an offer with the best rates or terms. Our Website does not include all companies or all available offers. We encourage you to research all available insurance policy options relative to your situation.

Intellectual Property

SaveOnYourAutoInsurance and its logos, trademarks and all page headers, custom graphics, button icons and scripts are service marks, trademarks and/or trade dress of SaveOnYourAutoInsurance and may not be copied, imitated or used, in whole or in part, without our prior written permission or that of our licensors. All other trademarks, registered trademarks, product names and company names or logos mentioned in the Website are the property of their respective owners. Reference to any products, services, processes or other information, by trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof by us.

Copyright Infringement

If you believe that any content on the Website infringes upon any copyright which you own or control, or that any link on the Website directs users to another website that contains content that infringes upon any copyright which you own or control, you may file a notification of such infringement with our Designated Agent as set forth below. Our Designated Agent for Notice of claims of copyright infringement can be reached as follows: Copyright Agent, SaveOnYourAutoInsurance. Email: hello@saveonyourautoinsurance.com.

Disclaimer of Warranties; Limitation of Liabilities

THE WEBSITE, SERVICES, AND CONTENT ARE PROVIDED "AS IS" AND WE EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WITHOUT LIMITING THE FOREGOING, WE MAKE NO WARRANTY THAT (A) THE WEBSITE, SERVICES, OR CONTENT WILL MEET YOUR REQUIREMENTS, (B) THE WEBSITE, SERVICES, OR CONTENT WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (C) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE WEBSITE, SERVICES, OR CONTENT WILL BE ACCURATE OR RELIABLE, (D) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE WEBSITE, SERVICES, OR CONTENT WILL MEET YOUR EXPECTATIONS, OR (E) ANY ERRORS IN THE WEBSITE, SERVICES, OR CONTENT WILL BE CORRECTED.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY DAMAGES, OR DAMAGES FOR LOSS OF PROFITS INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, RESULTING FROM: (A) THE USE OR THE INABILITY TO USE THE WEBSITE, SERVICES, OR CONTENT; (B) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE WEBSITE, SERVICES, OR CONTENT; (C) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (D) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE WEBSITE, SERVICES, OR CONTENT; OR (E) ANY OTHER MATTER RELATING TO THE WEBSITE, SERVICES, OR CONTENT. IN NO EVENT WILL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION EXCEED ONE HUNDRED DOLLARS ($100).

Dispute Resolution by Binding Mandatory Arbitration and Class Action Waiver

PLEASE READ THIS ARBITRATION AGREEMENT CAREFULLY. IT IS PART OF YOUR CONTRACT WITH US AND AFFECTS YOUR RIGHTS. IT CONTAINS PROCEDURES FOR MANDATORY BINDING ARBITRATION AND A CLASS ACTION WAIVER.

All Disputes, claims, or controversies arising out of or relating to this Agreement, or the breach, termination, enforcement, interpretation, formation of this Agreement or any aspect of your relationship with us, shall be resolved exclusively through final and binding arbitration, rather than in court. This Section shall be referred to as the "Arbitration Agreement."

The arbitration will be conducted by JAMS Mediation, Arbitration and ADR Services ("JAMS") under its rules and procedures. However, if JAMS is not available, another arbitration provider shall be selected by the parties that can conduct the arbitration on an individual basis. The Federal Arbitration Act, 9 U.S.C. §§ 1-16, fully applies to this Arbitration Agreement. If you are a consumer bringing a claim relating to a consumer transaction, any arbitration hearing will occur within the county where you reside; otherwise, any arbitration hearing will take place in Delaware, unless the parties mutually agree on a different location or procedure. The arbitrator will apply applicable substantive law consistent with the Federal Arbitration Act and applicable statutes of limitations. The arbitrator may award any form of individual relief that the arbitrator deems just, provided that such relief does not exceed the scope of what would be available in a court of law. There shall be no authority for any claims to be arbitrated on a class, collective, consolidated, or representative basis.

CLASS ACTION WAIVER: TO THE FULLEST EXTENT ALLOWED BY LAW, YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST US ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. FURTHER, IF THE PARTIES' DISPUTE IS RESOLVED THROUGH ARBITRATION, THE ARBITRATOR MAY NOT CONSOLIDATE ANOTHER PERSON'S CLAIMS WITH YOUR CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.

Right to Opt-Out: You have the right to opt out of the provisions of this Arbitration Agreement by sending written notice of your decision to opt out to the following address: Attn: Arbitration Opt-Out, P.O. Box 25288, Santa Ana, CA 92799, within 30 days of first accepting this Agreement. Your notice must include your name, address (including street address, city, state, and zip code), and the user name you used to register on our Website. If you opt out of this Arbitration Agreement, all other parts of this Agreement will continue to apply to you and we likewise will not be bound by the Arbitration Agreement.

Electronic Communications

When you use the Website or send emails to us, you are communicating with us electronically. You consent to receive communications from us electronically. We will communicate with you by email or by posting notices on the Website. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Miscellaneous

Nothing in this Agreement shall be construed as making either party the partner, joint venture, agent, legal representative, employer, contractor or employee of the other. Neither party shall have, or hold itself out to any third party as having, any authority to make any statements, representations or commitments of any kind, or to take any action that shall be binding on the other, except as provided for herein or authorized in writing by the party to be bound.

This Agreement is the entire agreement between you and us relating to the subject matter herein and shall not be modified except in writing, signed by both parties, or by a change to this Agreement made by us as set forth herein. If any provision of this Agreement is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that this Agreement shall otherwise remain in full force and effect and enforceable. This Agreement is not assignable, transferable or sublicensable by you except with our prior written consent. We may transfer, assign or delegate this Agreement and its rights and obligations without consent.

This Agreement and all claims arising out of or relating to this Agreement or its subject matter, and any disputes and claims, shall be governed by and construed in accordance with the substantive and procedural laws of the State of Delaware, United States of America, without giving effect to any conflict of law principles.