In agreeing to these terms and conditions, you give Insurance Alternatives permission to share your information with the entities neccessary to provide you with an automobile insurance quote.
You authorize Insurance Alternatives and its affiliates to collect, use, and disclose your information for the express purpose of obtaining an automobile insurance quote. You also agree that any company or agency receiving your information has your permission to provide automobile insurance quote information back to Insurance Alternatives as your representative.
The quote provided to you is for informational use only. You are under no obligation to any insurance company.
Insurance Alternatives will not put you or your information on any marketing list. Our goal is to maintain your privacy when it is within our power to do so. Beyond providing you with a quote, we will only contact you at your renewal, or at your request. However, Insurance Alternatives is not responsible for the information sharing practices of the insurance companies quoted on your behalf.
Any use of your vehicle outside of normal private passenger use can affect your premium or make that vehicle uninsurable under a private passenger automobile insurance policy.
This website, the technology used to capture and provide quotes, and the contents on the website are owned by GoQuoteAuto.com LLC. The website is available 24 hours per day, 7 days a week, 365 days a year except when undergoing maintenance or updates.
These Terms and Conditions may be changed at any time without notice.
Thank you for visiting the Insurance Alternatives website and reviewing our privacy and security statement. This page outlines our privacy and security policy as it applies to our site and applications that Insurance Alternatives uses.
Insurance Alternatives believes in the old tradition that the product remains the product rather than people becoming the product. We do not collect any personally identifiable information (PII) about you, unless you choose to explicitly provide it to us. Our highest concern for our customers is their privacy. Insurance Alternatives does not give, sell, or disseminate the data of its customers except for the sole purpose of providing an automobile insurance quote. We believe in the service that we provide.
On Data that is provided to Insurance Alternatives
You do not have to give us personal information merely to visit our site. We only collect detailed information about you (beyond your internet address) in order to provide you with an automobile insurance quote. Examples of this information include your name, mailing address, date of birth, etc.
We do not sell any personal information. However, we may share information you give us with contractors acting on our behalf or with another government agency if your inquiry relates to that agency.
Information retained by us may be subject to requests under the Freedom of Information Act (FOIA), though PII contained in the information won't be disclosed under FOIA. Additionally, we will disclose your information if the law requires it for any organization or law enforcement agency conducting a civil or criminal investigation.
Electronically submitted information is maintained and destroyed according to the requirements of the Federal Records Act and the regulations and records retention schedules approved by the National Archives and Records Administration. In some cases, electronically submitted information may be covered by the Privacy Act and the Freedom of Information Act.
For security purposes, Insurance Alternatives enacts standard industry protections to ensure that the website services remain available to all users. Standard industry protections include:
Unauthorized attempts to upload information or change information on this service are strictly prohibited and may be punishable under the Computer Fraud and Abuse Act of 1986, the National Information Infrastructure Protection Act of 1996, as well as any and all amended acts since then.
By agreeing to the following, you are accepting the terms and conditions that govern your use of quote.insurancealternativesinc.com.
When you request an insurance quote through this Website (or through any other method), any insurance quotes provided to you (which are based on information provided to us by you and by the various insurance companies and third-party software) should be construed only as an estimate. The criteria to qualify and be approved for a policy varies widely among insurance companies and may change without prior notice. We have no control over whether you ultimately qualify for insurance at the estimated rates, and we make no warranties or guarantees with respect to qualification.
The information and descriptions of insurance products contained herein are not intended to be complete descriptions of all terms, conditions, limitations, or exclusions, and are provided solely for general informational purposes. Products, rates, plans and services described in this Website may (i) vary based on your individual circumstances, specific underwriting guidelines (risk assessment) by the insurance carrier you selected, and by state, (ii) not be available in all states and may be subject to minimum coverage limits in your state, and (iii) change without notice.
THIRD-PARTY CONTENT AND SERVICES
This Website may contain links to third-party websites, including without limitation, websites of third-party insurance carriers or other agents, brokers, producers, data service providers, and other financial service providers that are not maintained and controlled by us. You understand and agree that (i) we are not responsible or liable for the functionality, actions, services, products, or content of such third-party websites, and (ii) you exclusively bear all risks associated with the use of any third party websites. While we are not required to monitor any transmission or content sent to or through this Website or any third-party website that may be linked to this Website, we reserve the right to monitor such transmissions or content and may use or disclose information gathered from this Website or remove any such third-party links or content at any time, and at our sole discretion. We encourage you to read the terms and conditions and privacy policies of any third-party websites prior to using them.
Select non-affiliated third-parties may provide you with insurance quotes and communicate about or market insurance products and services or other products, programs, and services that they believe may be of interest to you. However, we cannot guarantee that third-party providers will (i) provide quotes or other product, program and service information to you or attempt to contact you for every request received, or (ii) meet all of your requirements or be able to qualify you for any particular products, programs or services. We may select or reject any quote request and/or elect not to forward a request to our third-party providers, for any reason or no reason.
PERMISSION TO CONTACT
By completing and submitting a quote request form on our Website, you assert and confirm that you: (i) voluntarily provided us personal information that is your own, and is truthful and accurate to the best of your knowledge, (ii) read and understand the disclosure appearing adjacent to the designated Website quote submission button, in its entirety, prior to clicking on said button to receive quotes, (iii) agree that your quote request constitutes an established business relationship and your prior express written and signed consent (the "Prior Express Consent") for you to be contacted using any contact information you provided, including any phone numbers you provided, even if any such phone number(s) are registered with any state or federal do not call registry, (iv) understand you may continue to be contacted as permitted by law, and (v) waive any and all rights or claims that you were contacted without your Prior Express Consent, to the extent permitted by applicable law.
PERMISSIBLE USE & PROHIBITED ACTIVITIES
You agree to use the Website and content only for lawful purposes and your personal and noncommercial use. You agree that you will not in any form, in whole or in part, (i) reproduce, copy, duplicate, republish, create derivative works from, transmit, distribute or otherwise exploit this Website or any of its content or design in any way to any other computer, website, server or other medium for publication or distribution, or (ii) use this Website for any commercial purpose without our prior express written permission.
You agree that you are prohibited from and shall not use this Website for any of the following activities:
(i) any purpose that would constitute a violation of any applicable law, regulation, rule or ordinance of any state or locality, or that could give rise to any civil or criminal liability; (ii) uploading or transmitting worms or viruses or any code of a destructive nature or using any device, software or routine that otherwise interferes or attempts to interfere with the proper working of this Website or any other person's use of this Website; (iii) recompiling, disassembling, reverse engineering or otherwise attempting to discover any source code, database structures, methodologies, algorithms, or other technology underlying the Website or any of its interactive features; (iv) using "web scraping", "spiders", "robots", or any other automated device, program, algorithm or methodology, or any similar or equivalent manual process, to access, acquire, copy or monitor any portion of the Website or any content; (v) obtaining or attempting to obtain any documents, materials, or information through any means not purposely made available through this Website;
(vi) downloading or otherwise reproducing, storing or distributing content available on our Website; (vii) attempting to interfere with or circumvent security measures of this Website or probing, scanning or testing the vulnerability of this Website; (viii) manipulating the calculation, transmission or otherwise normal functioning of the Website to produce an outcome different from which it was intended, including but not limited to quoting algorithms, application pass-through information, API hand-offs, decision making criteria, etc.; (ix) disguising the origin of any content transmitted through this Website or manipulating your presence or impersonating another individual or entity; (x) taking any action that imposes an unreasonable or disproportionately large load, as determined by us, on infrastructure of the Website, systems or networks, or any systems or networks connected to our Website;
(xi) reproducing, recording, re-transmitting, selling, renting, broadcasting, distributing, publishing, uploading, posting, publicly displaying, altering to make new works, performing, digitizing, compiling, translating or transmitting in any way to any other computer, website or other medium or for any commercial purpose, without our prior express written consent; (xii) transmitting spam, chain letters, or other unsolicited email; (xiii) harvesting, collecting or attempting to harvest or collect any personally identifiable information from the Website, underlying software, databases or connected third-party websites or information hand-off processes; (xiv) creating unnatural activity on the Website for the purpose of distorting click-through performance from third-party advertising partners; (xv) creating any experience similar to the technology or website experience of Insurance Alternatives that could potentially confuse users into using a competing product or service and/or expose their personal information in a malicious way, including but not limited to phishing emails or phishing websites.
INTELLECTUAL PROPERTY RIGHTS
This Website and its entire contents, features and functionality are the property of GoQuoteAuto.com LLC, its affiliates, or other providers of such material, and are protected by copyright, trademark, trade dress, and other intellectual property or proprietary rights and laws. The aforementioned contents, features and functionality include, but are not limited to: (i) all information, media, software, text, images, graphics, video and audio, music, photographs, buttons, user interfaces, and the design, selection, arrangement, and coordination thereof; and (ii) any trademarks, service marks, slogans, logos, icons, domain names and other identifiers displayed in the content of this Website. Except as stated herein, you are prohibited from modifying, creating derivative works from, copying, recording, storing, publicly displaying, transmitting, distributing, republishing, linking, uploading, downloading, or posting in any form or by any means, any portion of this Website content or functionality, without our prior and express written permission. By using this Website, you are not granted any title, rights or licenses to any intellectual property with respect to any of the Website content, and we reserve all rights not expressly granted hereunder.
We do not accept or consider unsolicited ideas, suggestions, proposals, comments, materials or other information relating to advertising, promotions, marketing, processes, design, redesign, or development of our products or services (the "Submissions"). Please do not submit any Submissions in any form to us. The sole purpose of this policy is to avoid potential misunderstandings or disputes when our services, products or marketing strategies might appear similar or identical to ideas submitted to us. If, despite our policy, you still send your Submissions to us, you agree that regardless of what your communication states, (i) any such Submissions will be considered to be non-confidential and non-proprietary and will remain our exclusive property, and (ii) we may use the Submissions for any purpose and any reason, without any compensation to you.
DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY
ALL CONTENT PROVIDED ON OR THROUGH THIS WEBSITE ARE PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANT ABILITY AND FITNESS FOR A PARTICULAR PURPOSE. INSURANCE ALTERNATIVES, GOQUOTEAUTO.COM LLC, AND ANY THIRD-PARTY PROVIDERS OF WEBSITE SITE CONTENT MAKE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO THE RELIABILITY, ADEQUACY, OR ACCURACY OF CONTENT, OR THAT ANY DEFECTS OF THE WEBSITE OR ITS CONTENT WILL BE CORRECTED, OR THAT CONTENT IS FREE OF ANY VIRUSES OR OTHER HARMFUL CODE. ALL WARRANTIES ARE HEREBY DISCLAIMED.
WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO ANY THIRD-PARTY PRODUCTS OR SERVICES QUOTED OR SOLD THROUGH THIS WEBSITE, AND WE ACCEPT NO LIABILITY IN CONNECTION WITH SUCH PRODUCTS. ALL SUCH PRODUCTS AND SERVICES ARE PROVIDED TO YOU PURSUANT TO THE TERMS AND CONDITIONS OF THE THIRD-PARTY OR INSURANCE CARRIER PROVIDING SUCH PRODUCTS.
YOUR USE OF THIS SITE IS SOLELY AT YOUR RISK. BECAUSE SOME JURISDICTIONS DO NOT PERMIT THE EXCLUSION OF CERTAIN WARRANTIES, THOSE EXCLUSIONS MAY NOT APPLY TO YOU.
IF YOU ARE DISSATISFIED WITH THIS WEBSITE OR ITS CONTENT, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE WEBSITE. IN NO EVENT SHALL WE, OR OUR DIRECTORS, OFFICERS, EMPLOYEES, REPRESENTATIVES, PARTNERS, CONTRACTORS, THIRD-PARTIES, AFFILIATES, SUCCESSORS OR ASSIGNS BE LIABLE TO YOU OR ANY OTHER PARTY. FURTHERMORE, WE SHALL HAVE NO LIABILITY FOR ANY LOSSES, INCLUDING WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, RELIANCE, EXEMPLARY OR CONSEQUENTIAL DAMAGES, OR LOSS OF PROFITS, REGARDLESS OF WHETHER OR NOT WE OR ANY SUCH PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
THE LIMITATIONS OF LIABILITY AND DISCLAIMERS IN THIS AGREEMENT SHALL APPLY REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, WARRANTY, STRICT LIABILITY, NEGLIGENCE OR OTHER LEGAL THEORY. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES. OUR LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
Finally, we reserve the right to temporarily or permanently suspend or terminate access to this Website and to change all or any part, including but not limited to, any features, content, product and/or service offerings, without notice or liability and at our sole discretion. We suggest that you re-read and check for changes to these terms periodically.