Terms & Conditions

The following terms and conditions of use (the "Terms and Conditions") govern your use of the www.CarInsurance4LessOnline.com (the "Website"). BY USING THE WEBSITE, YOU ACCEPT AND AGREE TO THESE TERMS AND CONDITIONS AS APPLIED TO YOUR USE OF THE WEBSITE. The Terms and Conditions also govern your use of the services and goods provided through or in connection with the Website (collectively, the "Service"). Each time you use the Service, you acknowledge that you have read the Terms and Conditions and agree to be legally bound by it. We may change the Terms and Conditions from time to time, and at any time without notice to you, by posting such changes on the Website. By using the Website following any modifications to the Terms and Conditions, you agree to be bound by any such modifications to the Terms and Conditions. If you do not agree to be bound by the Terms and Conditions, you may not use the Service.

You may only use the Website if you live in the United States and you are 18 years old or older.

Services Available on the Website

• Through the Website, we provide a service by which consumers can apply to receive auto insurance or discount program quotes. We seek to provide valuable information that individuals can use to make their own decisions about auto insurance and discount programs. Once you provide us with the information needed to complete an online application, we will attempt to match you with appropriate auto insurance agents, brokers, discount programs or other companies.
• We do not issue auto insurance contracts or bind coverage. We do not endorse or recommend any car insurance companies, insurance policies, insurance coverage, and we do not provide insurance, tax or financial advice.
• We do not guarantee that any of the auto insurance agents, brokers and/or companies to whom we forward your application will contact you or agree to provide you with an insurance policy or coverage.
• We are not responsible in any way for the conduct of the insurance agents, brokers, discount program representatives and companies that are matched with your online quote form submission. If you are interested in receiving personal advice or specific policy recommendations, you should consult with an insurance agent, broker, or other qualified professional.
• We reserve the right, for any reason, in our sole discretion, to change, suspend, terminate, or discontinue any aspect of the Website, including, but not limited to, content, features or hours of availability. We may also impose limits on certain features of the Website or restrict your access to part or the entire Website without notice or penalty.
• There is no charge to you for the Services we provide on this Website

Proprietary Rights

Your use of the Website does not grant to you ownership of any content, code, data or materials you may access on the Website. Any commercial use or exploitation of the Website is strictly prohibited. You may view the content on the Website on your personal computer or other internet-compatible device, and make single copies or prints of the content on the Website for your personal, non-commercial use only. You may not otherwise reproduce, distribute, copy or exploit any content, code, data or materials on the Website. If you make other use of the Website, except as otherwise listed above, you may violate copyright and other laws of the United States, other countries, as well as applicable state laws and may be subject to liability for such unauthorized use. We do not grant any license or other authorization to any user of our trade names, trademarks, service marks or other marks or logos without our separate express written Terms and Conditions. Third party marks are the property of their respective owners.

Personal Information

In the course of your use of the Website, you may be asked to provide, or you may provide on your own inclination, information or materials to us (such information and/or materials referred to hereinafter as "Personal Information"). Personal Information include, for example, is information you submit to us via your completion of our form to receive auto insurance quotes. Personal Information also includes information and materials you submit to us via other on-line forms on the Website, by e-mail, or in any other manner via the Website. Our information collection and use policies with respect to the privacy of personal information are set forth in the Websites privacy policy. Please read our Privacy Policy before submitting any Personal Information through our Website. You acknowledge and agree that you are solely responsible for the accuracy and content of the Personal Information you provide. We cannot be responsible for maintaining any Personal Information that you provide to us, and we may delete or destroy any such Personal Information at any time. We reserve the right to refuse to post or to remove any Personal Information, in whole or in part, that, in our sole discretion, are unlawful, unacceptable, undesirable, inappropriate or in violation of these Terms and Conditions.

Acceptable User Conduct

ACCEPTABLE USE OF THE WEBSITE. Your use of the Service must be lawful and consistent with the security and reliability of the Service and the World Wide Web.

In addition, the following rules apply to your use of the Service:

• You certify that you are at least 18 years of age.
• You assume full responsibility for the use of the Service by any minors utilizing computers owned or operated by you or for any minor’s use of any password assigned to you.
• The Services provided on the Website are open only to residents of the 50 United States and the District of Columbia.
• Your use of the Service is subject to all applicable local, state, national and international laws and regulations. Your conduct is also subject to applicable laws, regulations, policies and procedures related to Internet use.
• You are solely responsible for the content of your transmissions and the products you buy or sell through the Service. You acknowledge and agree that the Website’s owners do not endorse the actions, the contents of communications, or the products of the Users.
• You must obtain and maintain, at your own expense, any equipment or ancillary services needed to connect to, access or otherwise use the Service, including, without limitation, modems, hardware, software, and long distance and local telephone service. You are responsible for ensuring that such equipment and ancillary services are compatible with the Service.
• You must complete all transactions you agree to complete in connection with the Service.
• You must abide by all of the-then current terms of the Website’s Privacy Policy as set forth on the Website and as updated from time to time by the Website in its sole discretion.

Prohibited User Conduct

You warrant and agree that, while using the Website, you shall not upload, post or transmit to or distribute or otherwise publish through the Website any materials that:

• are unlawful, threatening, harassing, profane, tortuous, defamatory, vulgar, obscene, libelous, deceptive, fraudulent, contain explicit or graphic descriptions or accounts of sexual acts (including but not limited to sexual language of a violent or threatening nature directed at another individual or group of individuals), invasive of another’s privacy or hateful,
• are protected by copyright, or other proprietary or intellectual property right, without first obtaining permission from the proprietary or intellectual property rights holder;
• restrict or inhibit any other user from using and enjoying the Website,
• constitute or encourage conduct that would constitute a criminal offense or give rise to civil liability, or
• contain a virus or other harmful component, advertising of any kind, or false or misleading indications of origin or statements of fact.

You also warrant and agree that you shall not:

• impersonate any person or entity or misrepresent your affiliation with any other person or entity;
• upload, post, publish, transmit, reproduce, distribute or in any way exploit any information or other material obtained through the Website for commercial purposes;
• engage in spamming, flooding, harvesting of e-mail addresses or other personal information, spidering, "screen scraping," "database scraping," or any other activity with the purpose of obtaining lists of users or other information, or send chain letters or pyramid schemes via the Website; or
• attempt to gain unauthorized access to other computer systems through the Website.
• You agree that you will not use the Website in any manner that could damage, disable, overburden, or impair the Website or interfere with any other party’s use and enjoyment of the Website.
• You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Website.

You agree to defend, indemnify and hold the Website’s owner, directors, officers, employees, agents and affiliates harmless from any and all claims, liabilities, costs and expenses, including reasonable attorneys’ fees, arising in any way from your misuse of the Website, your placement or transmission of any message, content, information, software or other materials through the Website, or your breach or violation of the law or of these Terms and Conditions.

DISCLAIMER OF WARRANTIES

YOU EXPRESSLY AGREE THAT USE OF THE SERVICE IS AT YOUR OWN RISK. THE WEBSITE, INCLUDING, WITHOUT LIMITATION, ALL SERVICES, CONTENT, FUNCTIONS AND MATERIALS, IS PROVIDED "AS IS," "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, DATA PROCESSING SERVICES, OR UNINTERRUPTED ACCESS, ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, OR CONTENT OF INFORMATION, AND ANY WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, AND WE HEREBY DISCLAIM ANY AND ALL SUCH WARRANTIES, EXPRESS AND IMPLIED. WE DO NOT WARRANT THAT THE WEBSITE OR THE SERVICES, CONTENT, FUNCTIONS OR MATERIALS CONTAINED THEREIN WILL BE TIMELY, SECURE, UNINTERRUPTED OR ERROR FREE, OR THAT DEFECTS WILL BE CORRECTED. WE MAKE NO WARRANTY THAT THE WEBSITE WILL MEET USERS’ REQUIREMENTS. NO ADVICE, RESULTS OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE WEBSITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. WE MAKE NO WARRANTY REGARDING ANY GOODS OR SERVICES PURCHASED OR OBTAINED THROUGH THE SERVICE OR ANY TRANSACTIONS ENTERED INTO THROUGH THE SERVICE AND ARE NOT RESPONSIBLE FOR ANY USE OF CONFIDENTIAL OR PRIVATE INFORMATION BY MERCHANTS SELLING THROUGH THE SERVICE OR OTHER USERS. ANY MATERIAL OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS DONE AT YOUR OWN DISCRETION AND RISK AND YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL OR DATA. While we take commercially reasonable steps to safeguard and to prevent unauthorized access to your Personal Information, we cannot be responsible for the acts of those who gain unauthorized access, and we make no warranty, express, implied, or otherwise, that we will prevent unauthorized access to your private information. IN NO EVENT SHALL WE BE LIABLE FOR ANY DAMAGES (WHETHER CONSEQUENTIAL, DIRECT, INCIDENTAL, INDIRECT, PUNITIVE, SPECIAL OR OTHERWISE) ARISING OUT OF, OR IN ANY WAY CONNECTED WITH, A THIRD PARTY’S UNAUTHORIZED ACCESS TO YOUR PERSONAL INFORMATION OR REGISTRATION DATA, REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON CONTRACT, STRICT LIABILITY, TORT OR OTHER THEORIES OF LIABILITY, AND ALSO REGARDLESS OF WHETHER QS WAS GIVEN ACTUAL OR CONSTRUCTIVE NOTICE THAT DAMAGES WERE POSSIBLE. IF YOU ARE DISSATISFIED WITH THE WEBSITE, YOUR SOLE REMEDY IS TO DISCONTINUE USING THE WEBSITE. YOU SHOULD NOT RELY ON THE WEBSITE TO MAINTAIN ANY USER SUBMISSION; YOU SHOULD RETAIN ALL SUCH DATA AND INFORMATION IN YOUR OWN RECORDS FOR USE IN THE EVENT THAT THE WEBSITE FAILS OR IS UNAVAILABLE, OR THE DATA OR INFORMATION IS LOST.

LIMITATION OF LIABILITY

IN NO EVENT SHALL THE WEBSITE’S OWNER OR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS (COLLECTIVELY, THE "PROTECTED ENTITIES") BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR THE INABILITY TO USE, THE WEBSITE OR THE CONTENT, MATERIALS AND FUNCTIONS RELATED THERETO, OR ANY APPLICATIONS, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE, OR ANTICIPATED PROFITS OR LOST BUSINESS OR LOST SALES, EVEN IF SUCH PROTECTED ENTITY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR CERTAIN DAMAGES SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO CERTAIN USERS. IN NO EVENT SHALL THE PROTECTED ENTITIES BE LIABLE FOR OR IN CONNECTION WITH ANY CONTENT POSTED, TRANSMITTED, EXCHANGED OR RECEIVED BY OR ON BEHALF OF ANY USER OR OTHER PERSON ON OR THROUGH THE WEBSITE.

RELEASE

YOU HEREBY RELEASE, REMISE AND FOREVER DISCHARGE THE WEBSITE AND ITS SERVICE PROVIDERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES, INFORMATION PROVIDERS, SERVICE PROVIDERS, SUPPLIERS, LICENSORS AND LICENSEES, AND ALL OTHER RELATED, ASSOCIATED, OR CONNECTED PERSONS FROM ANY AND ALL MANNER OF RIGHTS, CLAIMS, COMPLAINTS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS, AND DISBURSEMENTS OF ANY NATURE AND KIND WHATSOEVER AND HOWSOEVER ARISING, WHETHER KNOWN OR UNKNOWN, WHICH NOW OR HEREAFTER EXIST, WHICH ARISE FROM, RELATE TO, OR ARE CONNECTED WITH YOUR USE OF THE SERVICE.

Applicable Laws

We control and operate this Website from our offices in the United States of America. We do not represent that materials on the Website are appropriate or available for use in other locations. Persons who choose to access this Website from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable.

Miscellaneous

The Terms and Conditions and the relationship between you and us shall be governed by the laws of the State of Nevada without regard to its conflict of law provisions. You agree that any use of action that may arise under the Terms and Conditions shall be commenced and be heard in the appropriate court in the State of Nevada. You agree to submit to the personal and exclusive jurisdiction of the courts located within the State of Nevada. Our failure to exercise or enforce any right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision. If any provision of the Terms and Conditions is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the Terms and Conditions remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action by you arising out of or related to use of the Website or the Terms and Conditions must be filed by you within one (1) year after such claim or cause of action arose or be forever barred.