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InsureAdvocate Terms of Service

Last Updated: 01/05/2025

Applicable Terms

These Terms of Service shall apply to insureadvocate.com and any domains and affiliated websites (collectively, the "Sites") owned and operated under the "insureadvocate.com" brand by InsureAdvocate. We use the terms "We", "insureadvocate.com", or the "Company" to refer to each of these entities, as applicable. By using the Sites, you agree to the following terms, in addition to our Privacy Policy ("InsureAdvocate Privacy Policy"), all of which together are the "Terms".

Service

insureadvocate.com is a marketing and lead generation company. We act as a portal to connect individuals seeking insurance products with licensed insurance agents, insurance companies, and other similar parties ("Providers"). We do not own or operate any insurance agency, nor do we sell or underwrite insurance policies. Our sole role is to facilitate connections between consumers and Providers for the purpose of obtaining insurance quotes or information.

The Service provided by insureadvocate.com allows you to connect with licensed insurance agents who can assist you in comparing and evaluating insurance products offered by third-party Providers. Our Service is free for you to use, and we may receive commissions or fees from Providers participating in our platform. This Service is only available to residents of the United States, and insurance products offered by Providers may not be available in all states.

insureadvocate.com does not provide insurance policies, advice, or endorsements. Any insurance products or policies discussed or offered to you are provided solely by the third-party Providers and not by insureadvocate.com. The terms, conditions, and availability of insurance products are determined exclusively by the Providers based on their underwriting criteria, which may vary based on factors such as your location, personal information, and other criteria determined by the Providers.

Disclaimer of Responsibility

  • The quotes provided to you through our Service are supplied directly by the Providers. We cannot guarantee their accuracy or that they represent the most current rates available.
  • The quotes displayed are estimates only and are subject to change upon further review by the Provider. Final rates and policy details are determined by the Provider after you complete an application or discuss your needs with a licensed agent.
  • We do not guarantee that the quotes or policies offered include the best terms, lowest rates, or comprehensive options available in the market.

Your Responsibility

  • You are responsible for ensuring the accuracy of any information you provide. Incorrect or incomplete information may result in inaccurate quotes or affect the validity of a policy, as determined solely by the Provider.
  • It is your responsibility to evaluate any quotes or policies and decide whether they meet your specific needs. insureadvocate.com does not provide advice or recommendations regarding insurance products or Providers.

Limitations of Service

insureadvocate.com acts only as an intermediary by collecting and forwarding your information to third-party Providers. We do not guarantee that any Provider will offer you insurance or that a quote will result in a policy. Our role ends once you are connected with a licensed agent. Any subsequent communication, application, or transaction is strictly between you and the Provider.

By using this Service, you acknowledge that insureadvocate.com is not an insurance agency or provider, and all insurance-related transactions are conducted solely with third-party Providers. If you choose to purchase an insurance policy, the terms, conditions, and obligations are set forth by the Provider, and you agree to hold insureadvocate.com harmless from any claims or liabilities arising from those transactions.

NEITHER PARTY OWES THE OTHER ANY DUTIES, FIDUCIARY OR OTHERWISE, AND EACH PARTY RELEASES THE OTHER FROM ALL MANNER OF ACTIONS, WHETHER PAST, PRESENT OR FUTURE, ACTUAL OR CONTINGENT, ARISING OUT OF OR RELATED TO SUCH DUTIES, EXCEPT AS EXPLICITLY STATED IN THESE TERMS.

Warranties and Disclaimers

We provide our Service using a commercially reasonable level of skill and care and we hope that you will enjoy using it. But there are certain things that we don't promise about our Service. OTHER THAN AS EXPLICITLY STATED IN THESE TERMS OR ADDITIONAL TERMS NEITHER insureadvocate.com NOR ITS SUPPLIERS OR DISTRIBUTORS MAKE ANY SPECIFIC PROMISES ABOUT THE SERVICE. FOR EXAMPLE, WE DON'T MAKE ANY COMMITMENTS ABOUT THE CONTENT WITHIN THE SERVICE, THE SPECIFIC FUNCTIONS OF THE SERVICE, OR THEIR RELIABILITY, AVAILABILITY, OR ABILITY TO MEET YOUR NEEDS. WE PROVIDE THE SERVICE "AS IS". SOME JURISDICTIONS PROVIDE FOR CERTAIN WARRANTIES, LIKE THE IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. TO THE EXTENT PERMITTED BY LAW, WE EXCLUDE ALL WARRANTIES.

Liability of Our Services

WHEN PERMITTED BY LAW, insureadvocate.com AND PROVIDERS WILL NOT BE RESPONSIBLE FOR LOST PROFITS, REVENUES, OR DATA, FINANCIAL LOSSES, PUNITIVE DAMAGES.

TO THE EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF insureadvocate.com, AND ITS SUPPLIERS AND DISTRIBUTORS, FOR ANY CLAIMS UNDER THESE TERMS, INCLUDING FOR ANY IMPLIED WARRANTIES, IS LIMITED TO THE AMOUNT YOU PAID US TO USE THE SERVICES (OR, IF WE CHOOSE, TO SUPPLYING YOU WITH THE SERVICES AGAIN).

IN ALL CASES, insureadvocate.com, AND ITS PROVIDERS WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE THAT IS NOT REASONABLY FORESEEABLE.

Prohibited Activities

The content and information on this website (including, but not limited to, messages, data, information, text, music, sound, photos, graphics, video, maps, icons, software, code or other material), as well as the infrastructure used to provide such content and information, is proprietary to insureadvocate.com. You agree not to otherwise modify, copy, distribute, transmit, display, perform, reproduce, publish, license, create derivative works from, transfer, or sell or re-sell any information, software, products, or services obtained from or through this website. Additionally, you agree not to:

  • (i) use this website or its contents for any commercial purpose
  • (ii) access, monitor or copy any content or information of this website using any robot, spider, scraper or other automated means or any manual process for any purpose without our express written permission;
  • (iii) violate the restrictions in any robot exclusion headers on this website or bypass or circumvent other measures employed to prevent or limit access to this website;
  • (iv) take any action that imposes, or may impose, in our discretion, an unreasonable or disproportionately large load on our infrastructure;
  • (v) deep-link to any portion of this website for any purpose without our express written permission; or
  • (vi) "frame", "mirror" or otherwise incorporate any part of this website into any other website without our prior written authorization.
  • (vii) attempt to modify, translate, adapt, edit, decompile, disassemble, or reverse engineer any software programs used by insureadvocate.com in connection with the website or the services.

Phone, SMS, Pre-recorded Voice & Email Messages

When visiting our Sites and using our Services, you may be presented with the opportunity to elect to receive messages from insureadvocate.com via phone, text, email and other means. By clicking the "Continue" button on any such prompt, you agree to the following:

  • (i) You give express consent to receive marketing communications regarding insurance products and services via live operators, automated telephone dialing systems, pre-recorded voice, text messages and/or emails from insureadvocate.com and/or its marketing partners at the phone number and email address provided, including wireless numbers, if applicable, even if you have previously registered the provided number on the Do Not Call Registry.
  • (ii) You understand that consent is not a condition to receive quotes or purchase services or products. To receive quotes without providing consent, please call (833) 335-1678
  • (iii) You can cancel the SMS service at any time. Just text "STOP" to this number. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.
  • (iv) If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at info@insureadvocate.com.
  • (v) Carriers are not liable for delayed or undelivered messages.
  • (vi) Message and data rates may apply for any messages sent to you from Us and to Us from you. You may receive up to fifteen (15) messages or more per month, depending on the campaigns for which you express interest. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.
  • (vii) You agree that insureadvocate.com and its insurance partners may use other information sources to collect information about you in order to calculate accurate prices for your insurance including, but not limited to, your driving records, your claims history, consumer reports, and/or credit history.
  • (viii) Our partners may use other information sources to collect information about you in order to calculate an accurate price for your insurance, including, but not limited to, your driving records, claims history, a consumer report about you, and / or your credit history.
  • (ix) You agree that the contacts described above may be made by our partners (or by third parties on their behalf), and that insureadvocate.com is not responsible for, and shall bear no liability whatsoever for, any such contacts other than those made directly by insureadvocate.com.

Governing Law

These Terms will be governed by the laws of Florida. All claims arising out of or relating to these Terms will be litigated exclusively in the federal or state courts of the county of Dade, FL, USA, and you and insureadvocate.com consent to personal jurisdiction in those courts.

Indemnity

By using our Sites, you agree to defend, indemnify, and hold harmless insureadvocate.com and its partners from and against any and all losses, claims, damages, costs and expenses (including reasonable legal and accounting fees) that We may become obligated to pay arising or resulting from your use of the Site material or your breach of these Terms. insureadvocate.com reserves the right to assume or participate, at your expense, in the investigation, settlement and defense of any such action or claim.

Dispute Resolution

These Terms are governed by the substantive laws of the State of Florida, without respect to its conflict of laws principles. If any provision is found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect. No waiver of any of these Terms shall be deemed a further or continuing waiver of such term or any other term. Except as expressly provided elsewhere on our Sites, these Terms constitute the entire agreement between you and insureadvocate.com with respect to your use of our Sites.

TO THE FULLEST EXTENT PERMITTED BY LAW, THIS AGREEMENT PROVIDES THAT ALL DISPUTES BETWEEN YOU AND insureadvocate.com WILL BE RESOLVED BY BINDING ARBITRATION AND NOT IN COURT OR BY JURY TRIAL. TO THE FULLEST EXTENT PERMITTED BY LAW, YOU GIVE UP YOUR RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER ON ANY CLASS CLAIM YOU MAY HAVE AGAINST insureadvocate.com INCLUDING ANY RIGHT TO CLASS ARBITRATION OR ANY CONSOLIDATION OF INDIVIDUAL ARBITRATIONS.