Terms of Use

These Website Terms of Use (the “Terms”) are applicable to your use of the Company Website and the Services (each as defined below), provided to you by Osceola Lead Generation Holdings, LLC (“Quote.com” or “us,” “we,” or “our”).

Please read these Terms carefully. By (i) clicking “I accept”, “I agree”, or a similar checkbox or button referencing these Terms, or (ii) accessing or using the Company Websites, and/or the Services, you will indicate your acceptance of these Terms. If you do not agree with these Terms, please do not proceed with, or promptly discontinue, your use of the Company Website and the Services.

IMPORTANT: THESE TERMS CONTAIN A MANDATORY ARBITRATION PROVISION IN SECTION 7 THAT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES. THIS MEANS THAT YOU AND COMPANY ARE EACH GIVING UP RIGHTS TO SUE EACH OTHER IN COURT OR IN CLASS ACTIONS OF ANY KIND.

WARRANTY DISCLAIMERS AND LIABILITY LIMITATIONS: WHILE THERE ARE IMPORTANT POINTS THROUGHOUT THESE TERMS, PLEASE NOTE THAT THE WARRANTY DISCLAIMERS AND LIMITATIONS ON COMPANY’S LIABILITY ARE EXPLAINED IN SECTIONS 9 and 10.

1. General Provisions.

1.1. Definitions. The following definitions apply to these Terms:

(a) “Company Content” means descriptions, information, and materials, including documents, images, text, illustrations, formats, logos, hashtags, designs, icons, photographs, software programs, audio clips or downloads, video clips, and written and any other materials that are made available to you through, or in connection with, the Company Website.

(b) “Company Website” means any websites provided to you by Company, together with any alternate or successor website, and any companion mobile application (if provided), collectively.

(c) “Intellectual Property Rights” means any and all intellectual property rights, including registered or unregistered rights granted, applied for or otherwise now or hereafter in existence under or related to any patents, utility models, rights in designs, copyrights, moral rights, topography rights, database rights, trade secrets, trademarks, service marks, trade names, domain name rights, know-how, rights of confidence, or other intellectual property rights, and all rights and forms of protection of a similar nature or having equivalent or similar effect to any of these anywhere in the world from time to time.

(d) “Services” mean any functionality and/or services provided to you by the Company on the Company Website, including Company’s provision of comparative information and quotations to you to facilitate your purchase of insurance policies.

(e) “Third-Party Offerings” means any third-party software, materials, content, or services, including to the extent made available to you through the Company Website.

(f) “Your Information” means any (i) information, data, material or other content that you upload or transmit to the Company Website, or otherwise provide to us, including information provided by you in connection with the Services, and (ii) information related to your operation and use of the Company Website and/or the Services that is collected by us (“Web Analytics”).

1.2. Updates to these Terms. Company may update these Terms at any time by providing reasonable prior notice to you using any suitable means and may ask you to re-confirm your acceptance of the updated Terms. Company may notify you of the updated Terms by any reasonable means, including by posting the revised Terms on the Company Website. The updated Terms will apply to your use of the Company Website and the Services after the date on which Company has posted the updated Terms or otherwise notified you of those changes. By confirming your acceptance of the updated Terms, or by continuing to use or access the Company Website or Services after we post or otherwise notify you of any change, you agree to abide by the updated Terms. The “Last Updated” legend at the end of these Terms indicates the date on which these Terms were last updated.

2. User Consents.

2.1 Your Information. You understand and acknowledge that we need to collect, store, and use Your Information, in connection with your use of the Company Website, for operational management of the Company Website, and for provision of Services. You hereby consent to our collection, storage, and use of Your Information consistent with the terms of our Privacy Notice.

2.2 Electronic Communication. You hereby agree to receive electronic communication from Company, Company’s Affiliates and third parties, in connection with the Company Website, Services and Third-Party Offerings, including via text, email, and messages posted to the Company Website. You agree that any electronic communication from Company satisfies any legal requirements that such communication must be in writing. You also agree that any communications or materials that you provide to Company, including, without limitation, by posting to the Company Website, email or otherwise, are and will be treated as non-confidential and non-proprietary. Any notice you provide to Company must be in accordance with Section 12 of these Terms.

2.3 Data License. You hereby grant to Company a perpetual, irrevocable, worldwide, royalty-free, fully-paid, sublicensable, and transferable (to an affiliate or successor) license and right to use, copy, display, modify, and distribute Your Information as needed for operation of the Company Website, for provision of Services, and to make improvements to the Company Website and the Services. All Web Analytics shall be the sole and exclusive property of Company, together with all Intellectual Property Rights and other rights therein.

3. Your Representations. You represent and acknowledge that:

(a) You have the legal power and authority to agree to these Terms, you are at the age of majority in the jurisdiction of your residence, have the legal capacity to enter into contracts and have neither falsely identified yourself nor provided any false information to us. Company may, but does not have the obligation to, verify any information provided by you in connection with your use of the Company Website, and may immediately suspend your access if Company discovers any inaccurate or misleading information was provided by you;

(b) You will only use the Company Website and the Services for its intended use (as generally understood and as provided in and in accordance with any related documentation provided to you or made available on the Company Website);

(d) You are not located in a country that is subject to a U.S. or E.U. government embargo, has been designated by the U.S. Government as a “terrorist supporting” country, and/or listed on any U.S., or EU government list of prohibited or restricted parties;

(e) You will not upload to the Company Website any content or materials that (i) is misleading, abusive, obscene, profane, or offensive in nature, (ii) violates anyone’s right of publicity or right of privacy, (iii) is threatening, bullying, or harassing, or that promotes racism, bigotry, hatred or physical harm of any kind against any group or individual, (iv) promotes or encourages violence, (v) is inaccurate, false or misleading in any way, (vi) is illegal or promotes any illegal activities, (vii) promotes illegal or unauthorized copying of another person’s copyrighted work, or (viii) contains advertising, promotional materials or links, including, without limitation, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” or any other form of solicitation;

(f) You will not upload any content or materials that contain software viruses, or any other computer code, files or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications equipment;

(g) You will not sell, resell, rent, transfer, or provide to any third party (e.g. service bureau or outsourcing), your access to the Company Website, or use any spiders, crawlers, framing, or data mining tools to access any Company Content;

(h) You will not modify, reverse-engineer, or de-compile the Company Website in any manner through current or future available technologies. Further, you will not copy, translate, transmit, display, port, distribute, modify, attempt to derive, or gain access to source code of, or make derivative works of the Company Website, nor permit or assist anyone in performing such prohibited acts. You will not access the Company Website with the intent to develop or market a competing service, or to enable a third party to do so;

(i) You will not, without Company’s prior consent, scrape or otherwise collect any content from the Company Website, including the Company Content, for the purpose of training, developing, or improving any machine learning or artificial intelligence models, including but not limited to any large language models;

(j) You will not use the Company Website in a way that is intended to (i) cause damage or adversely affect the Company Website or Company servers, including by means of introducing a virus, trojan, or other malicious software or by breaching any security protocols or through use of denial of service tools; or (ii) circumvent, endanger, disrupt, or interfere with the operation, security, usage limits, or integrity of the Company Website; and

(k) You will only submit Your Information when you have the right to share such You are solely responsible for complying with all applicable laws and consent requirements related to collection and sharing of Your Information.

4. Access Credentials.

In order to use the Company Website, you may be required to create an account and/or receive certain access credentials from Company. You are solely responsible for maintaining the confidentiality of your access credentials, and for all activities that occur on the Company Website using your access credentials. You agree to prohibit anyone else from using your access credentials and agree to immediately notify Company of any actual or suspected unauthorized use of your access credentials or other security concerns of which you become aware. Company may utilize additional security measures from time to time to prevent unauthorized access to your account on the Company Website, including the use of multi-factor authentication methods. Your access to the Company Website and your access credentials may be revoked, suspended, or terminated by Company at any time with or without cause.

5. Term and Termination.

These Terms will become effective on the date you accept them, and will continue for the duration of your use of the Company Website or the Services. Company may, at any time, in its sole discretion, and without notice, terminate your access to the Company Website, or any portion of it, or decline to provide Services to you. Further, Company may, at its sole discretion, at any time without prior notice to you: (a) change, restrict, or suspend your access to the Company Website, or any portion of the Company Website, or the Services; or (b) add, remove, or modify any services or functionality that are available through the Company Website through future updates.

6. Ownership.

As between you and Company, Company shall continue to own and retain all right, title, and interest, including all Intellectual Property Rights, in and to (i) the technology or materials used for, or incorporated into, the Company Website and the Services, and (ii) all Company Content, and in each case to any modifications, enhancements, or derivatives thereto. Other than as expressly permitted in accordance with these Terms, you will not copy, reproduce, modify, publish, or disclose any Company Content provided to you or use any branding or logos used in the Company Website or the Company Content, without Company’s prior written consent.

Any feedback provided to us by you regarding the Company Website, Company Content or any other aspect of our business or operations, and any Web Analytics collected or developed by us, and in each case any derivates of the foregoing, including all related Intellectual Property Rights, shall be solely and exclusively owned by Company. You hereby irrevocably assign to us all right, title, and interest in and to such feedback and agree to provide us with any assistance that we may require to document, perfect, and maintain our rights in the feedback and the Web Analytics.

7. Confidentiality

You hereby acknowledge that the Company Content and any accompanying documentation may contain Company’s confidential, proprietary, and/or trade secret information. You hereby acknowledge and agree that you shall not disclose the Company Content to any third party without our express consent and will take commercially reasonable measures (that are no less than the measure you take to protect your similarly sensitive data) to maintain confidentiality of the Company Content.

8. Disputes and Governing Law.

8.1 Governing Law. Any disputes arising in connection with the Company Website, or these Terms (“Disputes”) shall be governed by, construed, and enforced solely and exclusively in accordance with the laws of the State of Florida, without regard to its conflicts of law principles.

8.2 Dispute Resolution. You and Company both agree to provide a written notice of any Disputes to the other party at its notice address (or an address provided in writing to the other party) and try to resolve any Disputes in good faith thereafter arising from or in connection with the Company Website. If any Dispute arising in connection with the Company Website is not resolved, within 30 days of a party providing notice to the other party, the Dispute will be resolved through individual, non-representative, binding arbitration conducted in English, instead of a proceeding in courts of general jurisdiction. Any Disputes will be decided by a single arbitrator and will be administered by Judicial Arbitration Mediation Services, Inc. (“JAMS”) pursuant to the JAMS Streamlined Arbitration Rules & Procedures (“JAMS Rules”) and as modified by this agreement to arbitrate. The arbitrator will conduct hearings, if any, by teleconference or videoconference, rather than by personal appearances, unless the arbitrator determines upon request by you or by Company that an in-person hearing is appropriate. Any in-person appearances will be held in Florida. The arbitrator will have authority to award temporary, interim, or permanent injunctive relief or relief providing for specific performance, but only to the extent necessary to provide relief warranted by the individual claim before the arbitrator. The award rendered by the arbitrator may be confirmed and enforced in any court with appropriate jurisdiction. Each party will be responsible for its respective costs, including costs related to its respective attorneys, experts, and witnesses.

8.3 Coordinated Arbitration Filings. Notwithstanding anything to the contrary in Section 8, if 25 or more Disputes are initiated with the arbitration provider that raise similar claims, and counsel for the claimants are the same or coordinated, these will be considered “Coordinated Proceedings.” Company will pay only its share of arbitration fees for Coordinated Proceedings, and claimants will be responsible for their share of those fees as set by the JAMS Rules and JAMS’ fee schedule for mass arbitrations. Applicable statutes of limitations will be tolled for all claimants who have provided compliant notices of arbitration to Company, but demands for arbitration in Coordinated Proceedings shall only be filed with the arbitration provider as permitted by the bellwether process set forth below, and Company shall not be required to pay any fees associated with cases that these Terms do not allow to be filed.

Once all notices of arbitration have been provided to Company for Coordinated Proceedings, claimants’ and Company’s counsel shall confer in good faith regarding the number of cases that should proceed as bellwethers, to allow each side to test the merits of its arguments, before the remainder of claims may be filed with JAMS. Any number chosen as the bellwethers must be an even number so as to allow each side to designate its half of the cases selected for bellwether trials. If counsel for claimants and for Company do not agree on the number of bellwethers, the number shall be chosen by the arbitrator. Once the number of bellwethers is fixed, each side shall select half that number from among the claimants who have provided compliant notices of arbitration, and only those chosen claims may be filed with the arbitrator. You agree that if your case is among Coordinated Proceedings filed against Company, resolution of your personal claim might be delayed by this bellwether process. Nothing in this paragraph shall be construed to delay the resolution of uncoordinated Disputes based on similar claims to Coordinated Proceedings filed against Company. A single arbitrator shall preside over each Coordinated Proceeding chosen for a bellwether proceeding, and only one Coordinated Proceeding may be assigned to each arbitrator as part of a bellwether process unless the parties agree otherwise. Once all bellwether trials have concluded (or sooner if the parties’ respective counsel agrees), the parties must make a good-faith effort to resolve all remaining cases that were not chosen for a bellwether proceeding via a single mediation of all remaining cases. Each side shall pay half the applicable mediation fee. Counsel for claimants in the Coordinated Proceedings and for Company must agree on a mediator within 30 days after the conclusion of the last bellwether trial. If the parties’ respective counsel cannot agree on a mediator within 30 days, the arbitration provider will appoint a mediator as an administrative matter. If the mediation does not yield a global resolution, claimants in Coordinated Proceedings who provided compliant notices of arbitration but whose claims were not resolved in bellwether proceedings shall no longer have the right to arbitrate their Dispute. Instead, outstanding claims from such cases may be filed only in Miami-Dade County, Florida, and you consent to venue such cases exclusively in these courts. To the extent you are asserting the same claims as other persons and are represented by common or coordinated counsel, you agree to waive any objection that the joinder of all such persons is impracticable. If a formerly arbitrable Dispute is brought in court, claimants may seek class treatment, but to the fullest extent allowed by applicable law, the classes sought may comprise only the claimants in the Coordinated Proceedings who provided compliant notices of arbitration, and Company reserves the right to contest class certification at any stage of litigation and on any available basis. A court shall have authority to enforce this bellwether process and may enjoin the filing of lawsuits or arbitration demands not made in compliance with it.

8.4 Waiver of Right to Jury Trial and Class Action. YOU AND COMPANY EXPRESSLY WAIVE YOUR RIGHT TO GO TO COURT, TO A TRIAL BY JURY, AND TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE PROCEEDING WITH RESPECT TO ANY CLAIM SUBJECT TO ARBITRATION. Notwithstanding the parties’ decision to resolve all Disputes through arbitration, Company may bring an action in a state, provincial or federal court to protect its Intellectual Property Rights. Seeking such relief shall not waive Company’s right to arbitration under these Terms.

9. No Warranties.

EXCEPT TO THE EXTENT REQUIRED BY APPLICABLE LAW, AND EXCEPT FOR ANY LIMITED WARRANTY EXPRESSLY INCLUDED IN THESE TERMS, THE COMPANY WEBSITE AND SERVICES ARE PROVIDED “AS-IS” AND ON AN “AS AVAILABLE” BASIS WITHOUT ANY WARRANTY, EXPRESS OR IMPLIED, AND YOU USE THE COMPANY WEBSITE AND SERVICES AT YOUR OWN RISK. COMPANY SPECIFICALLY DISCLAIMS ALL IMPLIED WARRANTIES OR CONDITIONS, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A SPECIFIC PURPOSE OR USE, QUIET ENJOYMENT, ACCURACY, OPERATION, COMPLIANCE WITH DOCUMENTATION AND NON-INFRINGEMENT RELATED TO THE COMPANY WEBSITE AND THE SERVICES. COMPANY DISCLAIMS, AND THESE TERMS DO NOT INCLUDE, THE PROVISIONS OF THE UNIFORM COMPUTER INFORMATION TRANSACTIONS ACT, THE UNIFORM COMMERCIAL CODE, THE UNITED NATIONS CONVENTION ON CONTRACTS FOR THE INTERNATIONAL SALE OF GOODS, AND ANY OTHER PROVISIONS OTHER THAN THESE EXPRESS TERMS.

COMPANY DOES NOT MAKE ANY WARRANTIES THAT THE COMPANY WEBSITE OR THE SERVICES WILL MEET YOUR REQUIREMENTS, PROVIDE ACCURATE INFORMATION, BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE OR THAT ALL ERRORS WILL BE CORRECTED. COMPANY MAKES NO WARRANTY RELATED TO THE CONFIDENTIALITY AND SECURITY OF ANY DATA PROVIDED BY YOU TO COMPANY, INCLUDING YOUR INFORMATION.

THE COMPANY WEBSITE IS INTENDED TO HELP YOU RECEIVE AND COMPARE QUOTES FOR THIRD-PARTY OFFERINGS. YOU UNDERSTAND AND ACKNOWLEDGE THAT THE COMPANY IS SOLELY CONVEYING INFORMATION PROVIDED BY YOU TO CERTAIN THIRD PARTIES AND CONVEYING QUOTES AND OTHER INFORMATION PROVIDED BY SUCH THIRD PARTIES TO YOU. COMPANY DOES NOT DETERMINE OR HAVE ANY INFLUENCE ON THE QUOTE OR ANY OTHER INFORMATION THAT YOU RECEIVE FROM THIRD PARTIES. FURTHER, COMPANY HAS NO CONTROL AND IS NOT LIABLE FOR ANY THIRD-PARTY OFFERINGS, INCLUDING ANY SUCH OFFERINGS OR SERVICES THAT YOU SUBSCRIBE TO BASED ON A QUOTE RECEIVED THROUGH THE COMPANY WEBSITE. YOU HEREBY EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOU ARE SOLELY RESPONSIBLE FOR ANY THIRD-PARTY OFFERINGS THAT YOU SUBSCRIBE TO FROM ANY THIRD-PARTY AND YOU WILL RECEIVE SUCH SERVICES IN ACCORDANCE WITH TERMS AND CONDITIONS YOU AGREE TO WITH THE THIRD-PARTY.

10. Liability Limitations.

In no event shall Company, its affiliates, agents or contractors be liable for any consequential, punitive, incidental, or special damages, including, but not limited to, any personal injury, property damage, or unauthorized disclosure of your data, whether in any action in warranty, contract, tort, breach of contract, negligence, strict liability, malpractice, or otherwise resulting from your use, or inability to use, the Company Website or the Services. To the fullest extent allowable under applicable law, Company’s maximum aggregate liability for all damages, losses and causes of action, whether in contract, tort (including negligence) or otherwise, arising from your use of (or inability to use) the Company Website and/or the Services will not exceed $100.

IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542, WHICH PROVIDES: A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY.

IF YOU ARE NOT A CALIFORNIA RESIDENT, YOU WAIVE YOUR RIGHTS UNDER ANY STATUTE OR COMMON LAW PRINCIPLE SIMILAR TO CALIFORNIA CIVIL CODE SECTION 1542 THAT GOVERNS YOUR RIGHTS IN THE JURISDICTION OF YOUR RESIDENCE.

11. Your Indemnification.

Except to the extent prohibited under applicable law, you agree to indemnify, defend and hold harmless Company, our affiliates, licensors, suppliers and other contract relationships (including the officers, directors, employees, consultants, and agents of each) from and against any and all third-party claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys’ fees and costs) that such parties may incur as a result of or arising from (a) any data or information you submit or provide to Company (including Your Information), (b) your use of the Company Website and/or the Services, (c) your violation of these Terms, (d) your use of Third-Party Offerings, or (e) your violation of any rights of any other person or entity.

12. Notices.

You may provide notice to us by emailing us at [email protected]. Any notice sent by you via email is deemed to be delivered upon your receipt of an electronic read receipt or delivery receipt or upon confirmation of receipt from us. You can also provide written notice to us at: ATTN: 7901 4th St N, Suite 14359, St. Petersburg, FL 33702.

13. Severability.

If any part of these Terms becomes illegal, invalid, unenforceable, or prohibited in any respect under any applicable law or regulation, those provisions or part thereof will be deemed to not form part of the contract between us. The legality, validity, or enforceability of the remainder of the Terms will remain in full force and effect.

14. No Third-Party Beneficiaries.

No provisions of these Terms create any third-party beneficiary.

15. Survivability.

The rights, obligations, and commitments in these Terms that, by their nature, would logically continue beyond the termination of these Terms or of your use of or access to the Company Website and/or the Services, survive such termination, including, without limitation, provisions related to indemnification and limitations of liability.

16. Assignment.

Your obligations and rights under these Terms may not be assigned, in whole or in part, without Company’s prior written consent. These Terms will be binding upon, and inure to the benefit of, the successors, representatives and permitted assigns of the parties.

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LAST UPDATE DATE: OCTOBER 1, 2025