Please read these terms carefully. They explain the rules for using affordableinsurances.online and limit our liability.
1. Acceptance of these terms
These Terms & Conditions govern your use of affordableinsurances.online and the services offered by Affordable Insurances. By using the site or submitting a form, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the site.
2. Eligibility
You must be at least 18 years old and a resident of the United States to use our service. By submitting a request you confirm that you meet these requirements.
3. What our service is
Affordable Insurances is a free quote comparison and referral service. We collect your quote request and share it with licensed insurance agents, agencies, and carriers who may contact you with quotes. Our website and marketing are managed by our marketing partner, Seekers Marketing.
We are not an insurance company, agent, or broker. We do not sell, bind, underwrite, or service insurance policies, and we do not give insurance, legal, tax, or financial advice. Any policy you buy is a contract between you and the carrier.
4. No guarantee of quotes or rates
We do not guarantee that you will be matched with an agent or carrier, that you will receive a quote, that you will qualify for coverage, or that any quote will be the lowest available. Quotes and rates are estimates until the carrier completes underwriting. Coverage, products, and discounts vary by state and carrier.
5. Consent to be contacted
When you submit a quote request and check the consent box, you authorize Affordable Insurances, Seekers Marketing, and matched agents and carriers to contact you at the phone number and email you provide, including by automated technology, prerecorded or artificial voice, and text message, even if your number is on a federal, state, or company do-not-call list. Consent is not a condition of purchase. You can revoke consent at any time by replying STOP to a text, telling a caller, or emailing info@affordableinsurances.online.
6. Information you provide
You agree to give accurate, current, and complete information, and to submit only your own information. You confirm that you are the subscriber or customary user of the phone number you provide. Submitting someone else's information without permission is prohibited.
7. Prohibited uses
- Submitting false, fraudulent, or another person's information.
- Using bots, scrapers, or automated tools to access or submit forms.
- Interfering with the site's security or operation.
- Copying or reselling site content or data without written permission.
- Using the site for any unlawful purpose.
8. Intellectual property
The site's content, design, text, graphics, and logo are owned by Affordable Insurances or its licensors and are protected by law. Insurance carrier names and trademarks belong to their respective owners, and any mention does not imply endorsement or affiliation.
9. Third parties
Agents, carriers, and other third parties are independent of us. We are not responsible for their products, statements, policies, pricing, or conduct, or for the content of any third-party website.
10. Disclaimer of warranties
The site and service are provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement, to the fullest extent permitted by law.
11. Limitation of liability
To the fullest extent permitted by law, Affordable Insurances, Seekers Marketing, and their owners, employees, and partners will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss arising from your use of the site, any quote, or any insurance product. Because our service is free, our total liability for any claim will not exceed one hundred US dollars ($100).
12. Indemnification
You agree to indemnify and hold harmless Affordable Insurances and Seekers Marketing from claims, losses, and expenses, including reasonable attorneys' fees, arising from your breach of these Terms or your misuse of the service, including submitting information you were not authorized to submit.
13. Governing law and disputes
These Terms are governed by the laws of the United States and the state in which we are organized, without regard to conflict-of-law rules. Before filing any claim, you agree to contact us and try to resolve the dispute informally for at least 30 days.
14. Changes to these terms
We may update these Terms at any time by posting a new version on this page. Continued use of the site after changes are posted means you accept the updated Terms.
15. Contact us
Affordable Insurances
Website: affordableinsurances.online
Email: info@affordableinsurances.online
Phone: +1 (___) ___-____
Hours: Mon–Fri 8AM–8PM EST
Marketing partner: Seekers Marketing