Terms of Service

1. Acceptance of Terms

Welcome to the website and online services (collectively, the "Services") operated by Your Insurance Pro ("Company," "we," "us," or "our"). These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Your Insurance Pro governing your access to and use of our Services.

By accessing, browsing, or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our Privacy Policy and Do Not Call Policy. If you do not agree to these Terms, you must immediately cease all use of our Services.

2. Description of Services

Your Insurance Pro operates an online platform that connects consumers seeking insurance products with licensed insurance agents, brokers, and carriers. Our Services allow you to submit information through online quote request forms to receive quotes for health, life, Medicare, auto, and home policies.

3. User Eligibility

Our Services are available only to individuals who are at least eighteen (18) years of age and who reside in the United States. By using our Services, you represent that you meet these eligibility requirements.

4. Account and Registration

Certain features of our Services may require registration. If you register, you agree to:

• Provide accurate, current, and complete registration data.
• Maintain the confidentiality and security of your account credentials.
• Accept responsibility for all activities occurring under your account.
• Notify us immediately of any unauthorized access to your account.

5. Lead Submission and Data Use

When you submit a quote request or other form through our Services, you agree that:

• Accuracy: All information you submit is true, accurate, and current.
• Sharing: Your details will be shared with licensed insurance professionals who may contact you.
• No Guarantee: Submitting a request does not guarantee you will qualify for a policy or rate.
• Data Use: We may use your information as described in our Privacy Policy.

6. Telephone Consumer Protection Act (TCPA) Consent

By submitting a quote request form, you provide your prior express written consent, pursuant to the TCPA (47 U.S.C. § 227) and its regulations, for Your Insurance Pro and our network of agents, carriers, and marketing partners to contact you at the telephone number(s) provided (including cellular/mobile numbers) using:

• Automatic telephone dialing systems (ATDS) or auto-dialers.
• Prerecorded or artificial voice messages.
• Text messages (SMS/MMS), including automated updates.
• Live telephone calls and email communications.

7. Email Communications and CAN-SPAM Compliance

By providing your email, you consent to receive marketing and service notifications from us. All promotional emails comply with the CAN-SPAM Act (15 U.S.C. § 7701 et seq.) and include our postal address and a clear unsubscribe link. You may opt out at any time.

8. Intellectual Property

All content, text, graphics, logos, trademarks, and code (collectively, "Content") are the exclusive property of Your Insurance Pro or our licensors and are protected by US and international copyright and trademark laws. You are granted a limited license for personal, non-commercial use only.

9. Prohibited Conduct

You agree not to use our Services to:

• Submit false, misleading, or fraudulent data.
• Impersonate any person or misrepresent your affiliation.
• Violate any local, state, or federal laws.
• Transmit viruses, malware, or destructive code.
• Interfere with or disrupt the integrity or security of the site.

10. Disclaimer of Warranties

OUR SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. Your Insurance Pro DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Your Insurance Pro AND ITS OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES (INCLUDING LOSS OF PROFITS, REVENUE, OR DATA) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICES.

12. Indemnification

You agree to indemnify, defend, and hold harmless Your Insurance Pro and its officers, employees, and agents from and against any claims, liabilities, losses, damages, or costs (including attorney fees) arising from your use of the Services or violation of these Terms.

13. Third-Party Services and Links

We are not responsible for the content, privacy practices, or products of third-party sites linked on our website. Your interactions with third-party agents, brokers, or carriers are solely between you and the third party.

14. Governing Law and Dispute Resolution

These Terms and any disputes shall be governed by the laws of the State of Delaware. Any dispute or controversy arising out of these Terms shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA). You waive the right to jury trials and class action participation.

15. Modifications to Terms

We reserve the right to modify these Terms at any discretion. When modified, we will update the "Last Updated" date. Your continued use of the Services constitutes acceptance of the modified Terms.

16. Severability

If any provision of these Terms is held to be invalid or unenforceable, that provision will be modified to the minimum extent necessary, and the remaining terms will remain in full force.

17. Waiver

The failure of Your Insurance Pro to enforce any right or provision of these Terms shall not constitute a waiver.

18. Assignment

You may not transfer or assign these Terms, but Your Insurance Pro may assign these Terms freely without restriction.

19. Entire Agreement

These Terms, along with the Privacy Policy and Do Not Call Policy, constitute the entire agreement between you and Your Insurance Pro regarding the Services.

20. Contact Information

If you have any questions, concerns, or comments about these Terms of Service, please contact us:

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