Terms of Service

1. Acceptance of Terms

By accessing or using the AutoCareInsure website, mobile application, or any related services (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

These Terms apply to all users of the Service, including without limitation users who are browsers, vendors, customers, merchants, and contributors of content.

2. Description of Services

AutoCareInsure operates as an online marketplace and comparison platform that:

• Provides auto insurance quote comparisons from multiple insurance providers
• Facilitates connections between users and licensed insurance agents
• Offers educational resources about auto insurance
• Provides customer support for insurance-related inquiries

Service Limitations

AutoCareInsure is not an insurance company and does not underwrite, sell, or service insurance policies. We act solely as an intermediary between users and licensed insurance providers.

3. Eligibility and Registration

Eligibility Requirements

To use our Service, you must:

• Be at least 18 years of age
• Be a legal resident of the United States
• Have a valid driver's license
• Provide accurate and complete information during registration

Account Registration

You may be required to create an account to access certain features of our Service. When creating an account, you agree to:

• Provide true, accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your password and account
• Accept all liability for activities that occur under your account

4. User Responsibilities

As a user of AutoCareInsure, you are responsible for:

Information Accuracy

• Providing accurate personal and vehicle information
• Updating information when changes occur
• Ensuring all submitted data is truthful and complete

Compliance

• Complying with all applicable local, state, and federal laws
• Using the Service only for lawful purposes
• Respecting the intellectual property rights of others

Account Security

• Keeping your login credentials confidential
• Notifying us immediately of any unauthorized account access
• Using strong, unique passwords

5. Prohibited Conduct

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Submit false, misleading, or fraudulent information
• Attempt to gain unauthorized access to our systems
• Use automated tools to access or interact with our Service
• Interfere with or disrupt the Service or servers
• Collect or harvest information from other users
• Transmit viruses, malware, or harmful code
• Impersonate any person or entity
• Violate any applicable laws or regulations

6. Insurance Quotes and Policies

Quote Accuracy

Insurance quotes provided through our Service are estimates based on the information you provide. Actual rates may vary and final pricing is determined by the insurance provider.

No Guarantee

AutoCareInsure does not guarantee:

• The accuracy of quotes or rate comparisons
• Approval for insurance coverage
• Specific terms or conditions of policies
• Availability of particular coverage options

Third-Party Relationships

When you purchase insurance through our platform, you enter into a direct relationship with the insurance provider. AutoCareInsure is not a party to your insurance contract and has no liability for claims, coverage disputes, or policy terms.

7. Fees and Payment

Service Fees

AutoCareInsure's quote comparison service is free for consumers. We receive compensation from insurance partners when users purchase policies through our platform. This compensation does not affect the rates you pay.

Premium Payments

Insurance premium payments are made directly to your chosen insurance provider. AutoCareInsure does not collect or process insurance premium payments.

Third-Party Fees

You are responsible for any fees charged by third parties, including but not limited to bank fees, credit card processing fees, or telecommunications charges.

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Data Sharing

By using our Service, you consent to the sharing of your information with:

• Licensed insurance providers for quote generation
• Insurance agents for policy assistance
• Service providers who assist in our operations
• Legal authorities when required by law

9. Intellectual Property

Our Rights

The Service and its original content, features, and functionality are owned by AutoCareInsure and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

Your Rights

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes.

User Content

By submitting content to our Service, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and distribute such content in connection with our Service.

10. Disclaimers and Warranties

No Warranties

AutoCareInsure disclaims all warranties, express or implied, including but not limited to:

• Warranties of merchantability and fitness for a particular purpose
• Warranties regarding the accuracy, reliability, or completeness of information
• Warranties that the Service will be uninterrupted or error-free
• Warranties regarding the security of data transmission

Information Accuracy

While we strive to provide accurate information, we do not warrant the accuracy, completeness, or reliability of any content on our Service. Users should verify information independently before making insurance decisions.

11. Limitation of Liability

Damages Limitation

In no event shall AutoCareInsure be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or revenue
• Loss of data or business interruption
• Personal injury or property damage
• Costs of procurement of substitute services

Maximum Liability

Our total liability for any claim arising from or relating to the Service shall not exceed $100 or the amount you paid to us in the twelve months preceding the claim, whichever is greater.

State Law Variations

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you.

12. Indemnification

You agree to defend, indemnify, and hold harmless AutoCareInsure and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with:

• Your use of the Service
• Your violation of these Terms
• Your violation of any rights of another party
• Your breach of any applicable laws or regulations

13. Termination

Termination by You

You may terminate your account at any time by contacting us or by following the account deletion process in your account settings.

Termination by Us

We may terminate or suspend your account and access to the Service immediately, without prior notice, for conduct that we believe:

• Violates these Terms or our policies
• Is harmful to other users or our business operations
• Exposes us to legal liability
• Is fraudulent or involves illegal activity

Effect of Termination

Upon termination, your right to use the Service will cease immediately. Sections that by their nature should survive termination shall survive, including warranty disclaimers, indemnity, and limitations of liability.

14. Governing Law and Dispute Resolution

Governing Law

These Terms shall be interpreted and governed by the laws of the State of New York, without regard to its conflict of law provisions.

Jurisdiction

You and AutoCareInsure agree that any dispute arising out of or relating to these Terms or the Service shall be resolved exclusively in the federal or state courts located in New York County, New York.

Arbitration

For disputes involving amounts less than $10,000, both parties agree to first attempt resolution through binding arbitration in accordance with the rules of the American Arbitration Association.

Class Action Waiver

You agree that any arbitration or court proceeding shall be limited to the dispute between you and AutoCareInsure individually. You waive any right to participate in class-action lawsuits or class-wide arbitrations.

15. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by:

• Posting the updated Terms on our website
• Updating the "Last Updated" date
• Sending email notifications for material changes

If you do not agree to the modified Terms, you must discontinue use of the Service.

16. Contact Information

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

Effective Date

These Terms of Service are effective as of December 1, 2024, and will remain in effect until modified or terminated in accordance with these Terms.