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Terms and Conditions

Last revised: September 23, 2026

The MyQuoteOptions.com website located at https://www.myquoteoptions.com (the "Site") is a free consumer marketing and referral service. The Site enables you to access general information about insurance and home services and to request to be contacted by independent third parties that offer those products and services, including: (i) insurance carriers, insurance agencies, and licensed insurance agents and brokers ("Insurance Providers"); and (ii) contractors, installers, and home service companies ("Home Service Providers" and, together with Insurance Providers, "Providers"). Providers, and marketing companies acting on their behalf, are referred to as "Marketing Partners." When you use this Site, you represent and warrant that you understand that the Site is not affiliated with or managed, endorsed or sanctioned by any insurance carrier, contractor, installer, manufacturer, utility company or any state or federal governmental entity.

THE AGREEMENT CONTAINS DISCLAIMERS OF WARRANTIES, LIMITATIONS OF LIABILITY, RELEASES, A CLASS-ACTION WAIVER AND THE REQUIREMENT TO ARBITRATE ANY AND ALL CLAIMS THAT MAY ARISE HEREUNDER. THIS ARBITRATION AGREEMENT INCLUDES CLAIMS RELATED TO OUR CLIENTS, VENDORS, AND MARKETING PARTNERS, WHICH ARE THIRD PARTY BENEFICIARIES OF THIS ARBITRATION AGREEMENT. THE AFOREMENTIONED PROVISIONS ARE AN ESSENTIAL BASIS OF THE AGREEMENT.

The Site is operated by MyQuoteOptions.com and its affiliated companies ("MyQuoteOptions.com," "we," "our" or "us"). You are agreeing to comply with and be bound by the following MyQuoteOptions.com Terms and Conditions ("Terms and Conditions") when you: (a) access the Site; (b) submit a request form on the Site, or call a telephone number displayed on the Site, to request information and/or quotes and to be contacted by one or more Providers (the "Matching Services"); and/or (c) view certain content, links and other material pertaining to the Providers and the insurance products ("Insurance Products") and home improvement, installation, repair, protection and related services ("Home Services" and, together with Insurance Products, "Products and Services") that they offer, and other related text, graphics, photos and other content (collectively, "Content," and together with the Site and the Matching Services, the "Site Offerings").

The MyQuoteOptions.com Privacy Policy ("Privacy Policy") and any and all other applicable MyQuoteOptions.com operating rules, policies and other supplemental terms and conditions that may be published from time to time are expressly incorporated herein by reference (collectively, the "Agreement"). Please review the following terms of the Agreement carefully. If you do not agree to these Terms and Conditions and the terms of the Agreement in their entirety, you are not authorized to use the Site Offerings in any manner or form.

MyQuoteOptions.com IS A FREE CONSUMER MARKETING AND REFERRAL SERVICE THAT CONNECTS CONSUMERS WITH INDEPENDENT THIRD PARTY PROVIDERS THAT OFFER PRODUCTS AND/OR SERVICES OF INTEREST TO THE CONSUMER. MyQuoteOptions.com IS NOT AN INSURANCE COMPANY, INSURANCE CARRIER, INSURANCE AGENCY, INSURANCE AGENT OR BROKER, OR GOVERNMENT AGENCY, AND IS NOT A CONTRACTOR, INSTALLER, LICENSED TRADESPERSON OR HOME SERVICE PROVIDER. MyQuoteOptions.com DOES NOT SELL, SOLICIT, NEGOTIATE, UNDERWRITE OR BIND ANY INSURANCE, DOES NOT PROVIDE INSURANCE ADVICE OR RECOMMENDATIONS, AND DOES NOT PERFORM, SUPERVISE, GUARANTEE OR PRICE ANY HOME SERVICES WORK. IN ORDER TO PERFORM THE MATCHING SERVICES, MyQuoteOptions.com MAY ASK YOU FOR YOUR CONTACT INFORMATION, YOUR ZIP CODE AND, FOR HOME SERVICES, INFORMATION ABOUT YOUR PROPERTY. WE DO NOT ASK FOR, AND YOU SHOULD NOT SUBMIT ON THE SITE, ANY HEALTH OR MEDICAL INFORMATION, SOCIAL SECURITY NUMBER, DRIVER'S LICENSE NUMBER OR FINANCIAL ACCOUNT NUMBERS. YOU UNDERSTAND, ACKNOWLEDGE AND AGREE THAT THE INFORMATION YOU CHOOSE TO PROVIDE TO US WILL BE COLLECTED, STORED AND TRANSMITTED TO OUR MARKETING PARTNERS FOR THE PURPOSE OF CONNECTING YOU WITH PROVIDERS THAT CAN CONTACT YOU ABOUT THEIR PRODUCTS AND SERVICES.

MyQuoteOptions.com MAY BE COMPENSATED BY THE PROVIDERS AND MARKETING PARTNERS THAT PARTICIPATE IN THE MATCHING SERVICES. THIS COMPENSATION MAY AFFECT WHICH PROVIDERS WE PRESENT TO YOU AND THE ORDER IN WHICH THEY ARE PRESENTED. WE DO NOT PRESENT ALL PROVIDERS, INSURANCE CARRIERS, OR PRODUCTS AND SERVICES AVAILABLE IN YOUR AREA. WE MAINTAIN A SEPARATE LIST OF MARKETING PARTNERS FOR EACH LINE OF BUSINESS: OUR INSURANCE PARTNER LIST AND OUR HOME SERVICES PARTNER LIST, BOTH OF WHICH ARE LINKED FROM OUR PARTNERS PAGE.

THE PROVIDERS ACCESSIBLE THROUGH THE SITE OFFERINGS ARE INDEPENDENT BUSINESSES. MyQuoteOptions.com MAKES NO GUARANTEES, REPRESENTATIONS OR WARRANTIES REGARDING THE LICENSING, BONDING, INSURANCE COVERAGE, CERTIFICATIONS, FINANCIAL STRENGTH, CLAIMS PRACTICES, WORKMANSHIP, PRICING, PREMIUMS, SCHEDULING, PRODUCTS, SERVICES OR SUITABILITY OF ANY PROVIDER, OR THAT ANY PROVIDER, INSURANCE POLICY, PLAN OR SERVICE IS APPROPRIATE FOR YOUR PARTICULAR NEEDS, PROPERTY OR PROJECT. ANY COST RANGES, PREMIUM OR RATE EXAMPLES, SAVINGS FIGURES, REBATES, TAX CREDITS OR INCENTIVES REFERENCED ON THE SITE ARE ILLUSTRATIVE ONLY, ARE NOT A QUOTE, BID, OFFER OR ELIGIBILITY DETERMINATION, AND VARY BY STATE, LOCATION, PROVIDER, APPLICANT, PROPERTY, SCOPE OF WORK AND TIME.

Important Insurance Disclosures

The following applies when you use the Site Offerings in connection with Insurance Products, including auto, home, health, life and final expense insurance:

  • MyQuoteOptions.com is not an insurance company, insurance carrier, insurance agency, or government agency. We do not sell, solicit, negotiate, underwrite, issue or bind insurance, and we do not provide insurance advice or recommend any particular policy, plan or carrier.
  • Insurance Products are offered by third party insurance carriers, agencies, or licensed insurance agents and brokers, where applicable. A Provider who contacts you about an Insurance Product is responsible for holding any license required to discuss or sell that product in your state.
  • Availability, eligibility, coverage, benefits, exclusions, limitations, premiums, rates, and terms vary by state, carrier, applicant and product, and are determined solely by the applicable carrier. Submitting a request on the Site does not guarantee that you will be offered, qualify for, or obtain any policy or plan, or any particular rate. Coverage is not in effect unless and until a policy is issued by a carrier.
  • Health insurance: MyQuoteOptions.com is not affiliated with or endorsed by any government program or marketplace, including Medicare, Medicaid, or any federal or state health insurance marketplace or exchange, unless expressly stated otherwise. You may also obtain information about health coverage directly from government sources, such as HealthCare.gov or your state's marketplace.
  • A Provider may ask you for additional information, including information needed to quote or underwrite a policy. Any information you provide directly to a Provider is governed by that Provider's own terms and privacy policy.

Important Home Services Disclosures

The following applies when you use the Site Offerings in connection with Home Services:

  • MyQuoteOptions.com is not a contractor, installer or licensed tradesperson. We do not perform, supervise, inspect, price or guarantee any work, and we do not guarantee any Home Service Provider.
  • Service availability varies by location and provider. Before hiring any Home Service Provider, you should independently verify its licensing, insurance, bonding, qualifications, pricing, and terms, obtain and compare written estimates, and review any contract before you sign it.
  • Any agreement for Home Services is solely between you and the Home Service Provider you choose.

1. Acceptance of Agreement; Modification

You agree to the terms and conditions outlined in the Agreement with respect to your use of the Site Offerings. The Agreement constitutes the entire and only agreement between you and MyQuoteOptions.com with respect to your use of the Site, and supersedes all prior and contemporaneous agreements, representations, warranties and/or understandings with respect to the Site Offerings. We may amend the Agreement from time to time in our sole discretion, without specific notice to you; provided, however, that any amendment or modification to the arbitration provisions, prohibition on class actions provisions or any other provisions applicable to dispute resolution (collectively, "Dispute Resolution Provisions") shall not apply to any disputes incurred prior to the applicable amendment or modification. The latest Agreement will be posted on the Site, and you should review the Agreement prior to using the Site Offerings. By your continued use of the Site Offerings after the Agreement has been changed, you hereby agree to comply with all of the terms and conditions contained within the Agreement effective at that time (other than with respect to disputes arising prior to the amendment or modification of the Dispute Resolution Provisions, which shall be governed by the Dispute Resolution Provisions in effect at the time of the subject dispute). Therefore, you should regularly check this page for updates and/or changes.

2. Requirements; Termination of Access

The Site Offerings are available only to individuals who can enter into legally binding contracts under applicable law and who are over eighteen (18) years of age (or the applicable age of majority, if greater than eighteen (18) years of age in their jurisdiction). If a user is under eighteen (18) years of age (or the applicable age of majority, if greater than eighteen (18) years of age in her/his jurisdiction) and/or if that user is unable to enter into legally binding contracts under applicable law, that user does not have permission to use and/or access the Site Offerings.

MyQuoteOptions.com may terminate any user's access to the Site Offerings at any time and for any reason, in its sole discretion. Such reasons may include, without limitation, where MyQuoteOptions.com believes that such user is: (a) in any way in breach of the Agreement; and/or (b) engaged in any improper conduct in connection with the Site Offerings.

3. Description of Site Offerings

The Site provides users with an opportunity to request information and/or quotes for Products and Services and to be contacted by one or more Providers. The Site is organized into two lines of business, insurance and home services, and each has its own request form and its own list of Marketing Partners. Please be advised that MyQuoteOptions.com does not itself provide Insurance Products, Home Services or any related products and/or services, and the ultimate terms, pricing and conditions of any product or service provided by any Provider will be determined by that Provider. To use the Matching Services, you must first fully complete the applicable request form located at the Site ("Site Application") and, in some cases, a request or application form required by the applicable Provider ("Provider Application" and together with the Site Application, the "Full Application"). The information that you will supply on the Site Application may include, but not be limited to: (a) your first name; (b) your last name; (c) your e-mail address; (d) your home, work and/or mobile telephone numbers; (e) your ZIP code and, where requested, your street address, city and state; (f) the line of business and the types of Products and Services you are requesting information about; (g) for Home Services, the type of property and whether you own the home; and (h) any and all other information requested on the applicable request form (collectively, the "Site Registration Data"). The Site Application form will set forth the exact information that is required. We do not request, and you should not submit on the Site, your Social Security number, driver's license number, financial account numbers, or any health or medical information. MyQuoteOptions.com's use of the Site Registration Data shall be governed by the Privacy Policy. To access the Privacy Policy, please click here.

Upon entering your Site Registration Data and clicking on the applicable submission button on the Site, you may be contacted by, and/or redirected to the website of, one or more Providers. MyQuoteOptions.com may also transfer your Site Registration Data to its Providers and Marketing Partners in connection with facilitating the processing of your request. The information that you must supply on the Provider Application shall be determined by the applicable Provider(s) (the "Provider Registration Data" and, together with the Site Registration Data, the "Registration Data"). Any information that you supply to any Provider shall be governed by that Provider's privacy policy. Acceptance of your request, any eligibility, underwriting or approval decision, the availability and scheduling of any work, and the ultimate terms, pricing and conditions of any product or service provided by any Provider(s), will be determined by those Providers. Current lists of our Marketing Partners are available on our Insurance Partners page and our Home Services Partners page.

The Site may display telephone numbers for specific categories of Products and Services. When you call one of these numbers, your call may be answered by, or transferred to, a Provider or Marketing Partner, such as a licensed insurance agent or a home service company, and not by MyQuoteOptions.com. Calls may be monitored or recorded by us or by the party that answers, where permitted by applicable law.

Where you provide your prior express written consent on the applicable form, you agree to receive marketing calls and text messages, including calls and messages placed using an automatic telephone dialing system, artificial or AI-generated voice or pre-recorded messages, from MyQuoteOptions.com and/or the Marketing Partners listed on the partner list for the form you submitted, at the telephone number that you provide. Your consent is not a condition of any purchase, and standard message and data rates may apply. You may revoke your consent at any time by completing the form on our Revoke Consent page, by replying STOP to a text message, or by contacting us using one of the methods set forth in the Contact section below.

Unless explicitly stated otherwise, any future offer(s) made available to you on the Site that augment(s) or otherwise enhance(s) the current features of the Site shall be subject to the Agreement. You understand and agree that MyQuoteOptions.com is not responsible or liable in any manner whatsoever for your use of, or inability to use and/or qualify for, Products and Services or other products and/or services offered by any Provider, or for any dispute between you and any Provider. You understand and agree that MyQuoteOptions.com shall not be liable to you or any third party for any modification, suspension or discontinuation of any product, service or promotion offered by any Provider.

If MyQuoteOptions.com terminates the Agreement for any reason, MyQuoteOptions.com shall have no liability or responsibility to you. You understand and agree that refusal to use the Site is your sole right and remedy with respect to any dispute with MyQuoteOptions.com. The Agreement only governs your use of the Site.

4. Non-Endorsement; Passive Conduit

(a) MyQuoteOptions.com does not sponsor, recommend or endorse any Provider that is accessible by or through the Matching Services and/or other Site Offerings. The Providers that are accessible by and through the Matching Services pay a fee for access to the users that utilize the Matching Services. MyQuoteOptions.com does not guarantee that users will successfully be connected with a Provider through the Site Offerings, or that any Provider will contact you, provide a quote, offer you coverage, or agree to perform any work.

(b) Please use caution and common sense when using the Site Offerings. MyQuoteOptions.com in no way endorses the content or legality of any responses, statements or promises made by Providers or any other parties on the Site or otherwise through the Site Offerings.

(c) The determination of the need for insurance, the choice of an insurance policy or carrier, the decision to undertake a home project, and the choice of a contractor or installer are extremely important decisions and should not be based solely on advertisements, claims of expertise, or price offered by any Provider. MyQuoteOptions.com does not verify the licensing, bonding, insurance, certifications, references, financial strength or workmanship of any Provider, and does not review the standing of any Provider with any regulatory authority or governmental agency. Therefore, MyQuoteOptions.com makes no representation regarding the status, standing or ability of any Provider. Before purchasing any product or obtaining services from a Provider, users should independently confirm that Provider's license (including, for Insurance Providers, with the applicable state department of insurance), insurance and bonding where applicable, obtain and compare written quotes or estimates, and check that Provider's standing with the applicable state and local licensing boards, regulatory and/or governmental agencies and consumer protection organizations.

(d) MyQuoteOptions.com does not involve itself in the agreements between users and Providers or the actual provision of Products and Services in connection with the relationships created thereby. Therefore, MyQuoteOptions.com does not make any representations regarding the competency, trustworthiness, honesty, integrity and/or behavior of either its users or Providers. Each user, and not MyQuoteOptions.com, is solely responsible for assessing the competency, trustworthiness, honesty and integrity of all Providers that the user communicates with via the Matching Services. Because MyQuoteOptions.com is not involved in user interactions, in the event that you have a dispute with one or more Providers and/or other third-parties, you hereby release MyQuoteOptions.com from any and all claims, demands and/or damages (actual and consequential) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of, or in any way connected with, such disputes.

5. Content

The Site contains Content which includes, but is not limited to, links, text, video, articles, glossary entries and guides, and/or other information pertaining to Products and Services, including general descriptions of coverage types, cost ranges, savings estimates and information about rebates, tax credits and incentives. The Content is offered for general informational and educational purposes only, does not constitute a quote, bid, estimate, offer or eligibility determination, and does not constitute insurance, financial, medical, engineering, construction, design, code-compliance, tax or legal advice. The Content is at all times subject to the disclaimers contained herein, and on the Site. Only an insurance carrier or licensed insurance professional can tell you whether you qualify for a policy and at what price, and only a Home Service Provider, after evaluating your property, can give you an actual price for your project. Always review the actual policy documents or contract before you buy. Reliance on any Content or other information made available to you by and through the Site Offerings is solely at your own risk. MyQuoteOptions.com disclaims any and all liability for any loss, damage or injury based on Content or other information directly or indirectly obtained through the Site Offerings.

6. License Grant

As a user of the Site, you are granted a non-exclusive, non-transferable, revocable and limited license to access and use the Site Offerings and associated Content in accordance with the Agreement. MyQuoteOptions.com may terminate this license at any time for any reason. You may use the Site Offerings for your own personal, non-commercial use. No part of the Site Offerings may be reproduced in any form or incorporated into any information retrieval system, electronic or mechanical. You may not use, copy, emulate, clone, rent, lease, sell, modify, decompile, disassemble, reverse engineer or transfer the Site Offerings, Content or any portion thereof. MyQuoteOptions.com reserves any rights not explicitly granted in the Agreement. Systematic retrieval of material from the Site by automated means or any other form of scraping or data extraction in order to create or compile, directly or indirectly, a collection, compilation, database or directory without written permission from MyQuoteOptions.com is prohibited. You may not use any device, software or routine to interfere or attempt to interfere with the proper working of the Site Offerings. You may not take any action that imposes an unreasonable or disproportionately large load on the MyQuoteOptions.com infrastructure. Your right to use the Site Offerings is not transferable.

7. Proprietary Rights

The Content, organization, graphics, design, compilation, magnetic translation, digital conversion, software, services and other matters related to the Site Offerings are protected under applicable copyrights, trademarks and other proprietary (including, but not limited to, intellectual property and moral) rights. The copying, redistribution, publication or sale by you of any part of the Site Offerings is strictly prohibited. You do not acquire ownership rights in the Site Offerings or any content, document, software, services or other materials viewed at or through the Site. The posting of information or material on the Site by MyQuoteOptions.com does not constitute a waiver of any right in such information and/or materials.

8. Editing, Deleting and Modification

We reserve the right in our sole discretion to edit and/or delete, at any time, any documents, information or other Content appearing on the Site.

9. Indemnification

You agree to indemnify, defend and hold MyQuoteOptions.com, its parents, subsidiaries and affiliates, and each of their respective members, officers, directors, employees, agents, co-branders and/or other partners, harmless from and against any and all claims, expenses (including reasonable attorneys' fees), damages, suits, costs, demands and/or judgments whatsoever, made by any third party due to or arising out of: (a) your use of the Site Offerings and/or any Products and Services; (b) your breach of the Agreement; (c) any dispute between you and any Provider, including any dispute regarding coverage, claims, premiums, or the scope, quality, timeliness, pricing, permitting or completion of any work performed or not performed by a Provider; and/or (d) your violation of any rights of another individual and/or entity. The provisions of this Section 9 are for the benefit of MyQuoteOptions.com, its parents, subsidiaries and affiliates, and each of their respective officers, directors, members, employees, agents, shareholders, licensors, suppliers and/or attorneys. Each of these individuals and entities shall have the right to assert and enforce these provisions directly against you on its own behalf.

10. Disclaimer of Warranties

THE SITE OFFERINGS, PRODUCTS AND SERVICES AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY REQUEST THROUGH THE SITE OFFERINGS ARE PROVIDED TO YOU ON AN "AS IS" AND "AS AVAILABLE" BASIS AND ALL PROMISES, GUARANTEES, REPRESENTATIONS AND WARRANTIES, EXPRESS AND IMPLIED, ARE DISCLAIMED TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW (INCLUDING, BUT NOT LIMITED TO, THE DISCLAIMER OF ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT OF INTELLECTUAL PROPERTY AND/OR FITNESS FOR A PARTICULAR PURPOSE). IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, MyQuoteOptions.com MAKES NO PROMISES, GUARANTEES, REPRESENTATIONS OR WARRANTIES THAT: (A) THE SITE OFFERINGS, PRODUCTS AND SERVICES AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY REQUEST THROUGH THE SITE OFFERINGS WILL MEET YOUR REQUIREMENTS; (B) THE SITE OFFERINGS, PRODUCTS AND SERVICES AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY REQUEST THROUGH THE SITE OFFERINGS WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE; (C) YOU WILL BE CONNECTED WITH ANY PROVIDER, OR WILL RECEIVE ANY QUOTE, OFFER OF COVERAGE OR ESTIMATE FROM OUR PROVIDERS; OR (D) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SITE OFFERINGS, PRODUCTS AND SERVICES AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY REQUEST THROUGH THE SITE OFFERINGS WILL BE ACCURATE OR RELIABLE OR SUFFICIENT FOR YOUR PARTICULAR NEEDS. THE SITE OFFERINGS, PRODUCTS AND SERVICES AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY REQUEST THROUGH THE SITE OFFERINGS MAY CONTAIN BUGS, ERRORS, PROBLEMS OR OTHER LIMITATIONS. WE WILL NOT BE LIABLE FOR THE AVAILABILITY OF THE UNDERLYING INTERNET CONNECTION ASSOCIATED WITH THE SITE. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM MyQuoteOptions.com, ITS PROVIDERS OR OTHERWISE THROUGH OR FROM THE SITE OFFERINGS, SHALL CREATE ANY PROMISE, GUARANTEE, REPRESENTATION OR WARRANTY NOT EXPRESSLY STATED IN THE AGREEMENT.

11. Limitation of Liability

YOU EXPRESSLY UNDERSTAND, ACKNOWLEDGE AND AGREE THAT MyQuoteOptions.com SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL AND/OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, USE, DATA OR OTHER TANGIBLE OR INTANGIBLE LOSSES (EVEN IF MyQuoteOptions.com HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND/OR SUCH DAMAGES ARE FORESEEABLE), TO THE FULLEST EXTENT PERMISSIBLE BY LAW FOR: (A) THE USE OR THE INABILITY TO USE THE SITE OFFERINGS, PRODUCTS AND SERVICES AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY REQUEST THROUGH THE SITE OFFERINGS; (B) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION AND/OR SERVICES PURCHASED OR OBTAINED FROM, OR TRANSACTIONS ENTERED INTO THROUGH, THE SITE OFFERINGS; (C) THE FAILURE TO BE CONNECTED WITH, OR TO RECEIVE A QUOTE, OFFER OF COVERAGE OR ESTIMATE FROM, ANY PROVIDER; (D) THE UNAUTHORIZED ACCESS TO, OR ALTERATION OF, YOUR REGISTRATION DATA; (E) ANY ACT OR OMISSION OF ANY PROVIDER, INCLUDING WITHOUT LIMITATION ANY DENIAL, CANCELLATION OR NON-RENEWAL OF COVERAGE, ANY CLAIM DECISION, ANY WORK PERFORMED OR NOT PERFORMED, ANY PROPERTY DAMAGE, PERSONAL INJURY, DEFECTIVE OR INCOMPLETE WORKMANSHIP, CODE OR PERMITTING VIOLATION, COST OVERRUN, DELAY OR FAILURE TO COMPLETE ANY PROJECT; AND (F) ANY OTHER MATTER RELATING TO THE SITE OFFERINGS, PRODUCTS AND SERVICES AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY REQUEST THROUGH THE SITE OFFERINGS. THIS LIMITATION APPLIES TO ALL CAUSES OF ACTION, IN THE AGGREGATE INCLUDING, BUT NOT LIMITED TO, BREACH OF CONTRACT, BREACH OF WARRANTY, NEGLIGENCE, STRICT LIABILITY, MISREPRESENTATIONS AND ANY AND ALL OTHER TORTS.

YOU HEREBY RELEASE MyQuoteOptions.com AND ITS PROVIDERS FROM ANY AND ALL OBLIGATIONS, LIABILITIES AND CLAIMS IN EXCESS OF THE LIMITATIONS STATED HEREIN. IF APPLICABLE LAW DOES NOT PERMIT SUCH LIMITATIONS, THE MAXIMUM LIABILITY OF MyQuoteOptions.com TO YOU UNDER ANY AND ALL CIRCUMSTANCES WILL BE FIVE HUNDRED DOLLARS ($500.00). THE NEGATION OF DAMAGES SET FORTH ABOVE IS A FUNDAMENTAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND MyQuoteOptions.com. THE SITE OFFERINGS, PRODUCTS AND SERVICES AND/OR ANY OTHER PRODUCTS AND/OR SERVICES THAT YOU MAY REQUEST THROUGH THE SITE OFFERINGS WOULD NOT BE PROVIDED TO YOU WITHOUT SUCH LIMITATIONS.

12. Third Party Websites

The Site may provide links to and/or refer you to other Internet websites and/or resources including, but not limited to, the websites of Providers. Because MyQuoteOptions.com has no control over such third party websites and/or resources, you hereby acknowledge and agree that MyQuoteOptions.com is not responsible for the availability of such third party websites and/or resources. Furthermore, MyQuoteOptions.com does not endorse, and is not responsible or liable for, any terms and conditions, privacy policies, content, advertising, services, products and/or other materials at or available from such third party websites or resources, or for any damages and/or losses arising therefrom. The Site may contain links to other third-party owned and/or operated websites and, where you request information from Providers, MyQuoteOptions.com may transfer you directly to the websites of such Providers. MyQuoteOptions.com is not responsible for the privacy practices or the content of such websites. In some cases, you may be required to provide certain information to register or complete a transaction at such website. These third-party websites have separate privacy and data collection practices and MyQuoteOptions.com has no responsibility or liability relating to them. We do not endorse, nor are we responsible for the accuracy of, the privacy policies or terms and conditions of such website. These third party entities are independent third parties and are not affiliated with us.

13. Privacy Policy/User Information

Use of the Site Offerings, and all comments, feedback, information, Site Registration Data or materials that you submit through or in association with the Site, is subject to our Privacy Policy. We reserve the right to use all information regarding your use of the Site, and any and all other personally identifiable information provided by you, in accordance with the terms of our Privacy Policy. To access the Privacy Policy, please click here. To exercise your state privacy rights, including the right to opt out of the sale or sharing of your personal information, please visit our Privacy Rights Request Page. To revoke your prior express written consent to be contacted, please visit our Revoke Consent page.

14. Legal Warning

Any attempt by any individual, whether or not a MyQuoteOptions.com customer, to damage, destroy, tamper with, vandalize and/or otherwise interfere with the operation of the Site, is a violation of criminal and civil law and MyQuoteOptions.com will diligently pursue any and all remedies in this regard against any offending individual or entity to the fullest extent permissible by law and in equity.

15. Dispute Resolution Provisions

The Agreement shall be treated as though it were executed and performed in New York, New York and shall be governed by and construed in accordance with the laws of the State of New York (without regard to conflict of law principles).

To the extent permitted by law, you agree that you will not bring, join or participate in any class action lawsuit as to any claim, dispute or controversy that you may have against MyQuoteOptions.com and/or its employees, officers, directors, members, representatives and/or assigns. You agree to the entry of injunctive relief to stop such a lawsuit or to remove you as a participant in the suit. You agree to pay the attorneys fees and court costs that MyQuoteOptions.com incurs in seeking such relief. This provision preventing you from bringing, joining or participating in class action lawsuits: (A) does not constitute a waiver of any of your rights or remedies to pursue a claim individually and not as a class action, in binding arbitration as provided herein above; and (B) is an independent agreement. You may opt-out of these dispute resolution provisions by providing written notice of your decision within thirty (30) days of the date that you first access the Site.

16. Agreement to Arbitrate

You and we each agree that any and all disputes or claims that relate to or arise from your use of or access to our Services, or any products or services sold, offered, or purchased through our Services, including any contact from our subsidiaries, affiliates, agents or Marketing Partners, shall be resolved exclusively through final and binding arbitration between us and you, or between our subsidiaries, affiliates, or agents and you, rather than in court, except that you may assert claims in small claims court, if your claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate section (this "Agreement to Arbitrate").

17. Prohibition of Class and Representative Actions and Non-Individualized Relief

You and we agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding, including but not limited to actions under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq. Unless both you and us agree otherwise, the arbitrator may not consolidate or join more than one person's or party's claims, and may not otherwise preside over any form if a consolidated, representative, or class proceeding. The arbitrator may award relief, including monetary, injunctive, and declaratory relief, only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party's individual claim(s). Any relief awarded cannot affect our other users.

18. Arbitration Procedures

The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute arising out of or relating to the interpretation, applicability, enforceability or formation of this Agreement to Arbitrate, any part of it, or of this Agreement including, but not limited to, any claim that all or any part of the Agreement to Arbitrate or this Agreement is void or voidable.

The arbitration will be conducted by the American Arbitration Association ("AAA") under its rules and procedures, including the AAA's Supplementary Procedures for Consumer-Related Disputes (as applicable), as modified by this Agreement to Arbitrate. The AAA's rules and a form for initiating arbitration proceedings is available on the AAA's site at http://www.adr.org.

The arbitration shall be held in the county in which you reside or at another mutually agreed location. If the value of the relief sought is $10,000 or less, you or we may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and us subject to the arbitrator's discretion to require an in-person hearing, if the circumstances warrant. Attendance at an in-person hearing may be made by telephone by you and/or us unless the arbitrator requires otherwise.

The arbitrator will decide the substance of all claims in accordance with the laws of the State of New York, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator shall not be bound by rulings in prior arbitrations involving our other users but is bound by rulings in prior arbitrations involving the same user to the extent required by applicable law. The arbitrator's award shall be final and binding and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

This arbitration provision shall survive termination of this Agreement to Arbitrate and the closing of your Account or your use of or access to our Services, or any products or services sold, offered, or purchased through our Services.

19. Costs of Arbitration

Payment of all filing, administration and arbitrator fees will be governed by the AAA's rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at your request, we will pay all filing, administration, and arbitrator fees associated with the arbitration. Any request for payment of fees by us should be submitted by mail to the AAA along with your Demand for Arbitration and we will arrange to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you can demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, we will pay as much of the filing, administration, and arbitrator fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. In the event the arbitrator determines the claim(s) you assert in the arbitration to be frivolous, you agree to reimburse us for all fees associated with the arbitration paid by us on your behalf, which you otherwise would be obligated to pay under the AAA's rules.

20. Confidentiality

The arbitration proceedings and arbitration award shall be maintained by the parties as strictly confidential, except as is otherwise required by court order or as is necessary to confirm, vacate or enforce the award and for disclosure in confidence to the parties' respective attorneys, tax advisors and senior management and to family members of a party who is an individual.

21. Severability

Except for any of the provisions in this Agreement to Arbitrate ("Prohibition of Class and Representative Actions and Non-Individualized Relief"), if an arbitrator or court decides that any part of this Agreement to Arbitrate is invalid or unenforceable, the other parts of this Agreement to Arbitrate shall still apply. If an arbitrator or court decides that any of the provisions in Section 17 of this Agreement to Arbitrate ("Prohibition of Class and Representative Actions and Non-Individualized Relief") is invalid or unenforceable, then the entirety of this Agreement to Arbitrate shall be null and void. The remainder of the Agreement and its Legal Disputes Section will continue to apply.

22. Miscellaneous

Should any part of the Agreement be held invalid or unenforceable, that portion shall be construed consistent with applicable law and the remaining portions shall remain in full force and effect. To the extent that anything in or associated with the Site and/or any MyQuoteOptions.com offering is in conflict or inconsistent with these Terms and Conditions, these Terms and Conditions shall take precedence. Our failure to enforce any provision of the Agreement shall not be deemed a waiver of such provision nor of the right to enforce such provision. The parties do not intend that any agency or partnership relationship be created through operation of the Agreement. MyQuoteOptions.com may assign its rights and obligations under the Agreement, in whole or in part, to any party at any time without any notice to you. The Agreement, may not however, be assigned by you, and you may not delegate your duties under it. Headings are for reference purposes only and in no way define, limit, construe or describe the scope or extent of such section.

23. Contact Us

If you have any questions regarding the Agreement, would like more information on our privacy practices, wish to unsubscribe from emails from MyQuoteOptions.com or revoke any prior express written consent you may have given in order to be contacted, you may notify MyQuoteOptions.com by any of the following means: (a) by mail to MyQuoteOptions.com, 1116 Folsom St, San Francisco, CA 94103; (b) by email to [email protected]. Without limiting any of the foregoing, you can ask us to contact you in a specific way (for example, home or office phone) or to send mail to a different address. We will consider all reasonable requests, and must say yes if you tell us you would be in danger if we do not.

24. California Consumer Rights and Notices

Residents of California are entitled to the following specific consumer rights information: you may contact the Complaint Assistance Unit of the Division of Consumer Services of the Department of Consumer Affairs by mail at: 400 R St., Suite 1080, Sacramento, California 95814, or by telephone at (916) 445-1254. Their website is located at: http://www.dca.ca.gov. California residents, and residents of other states with comprehensive consumer privacy laws, may exercise their privacy rights through our Privacy Rights Request Page.