Terms of Service — Insurancesignal.com

1. Acceptance of Terms

By accessing or using insurancesignal.com (the "Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must discontinue use of the Website. These Terms form a binding legal agreement between you and the Website owner and operator.

2. Eligibility

The Website is intended only for individuals who are eighteen (18) years of age or older. By using the Website, you represent that you are at least 18 years old.

3. Nature of Our Services

insurancesignal.com is an independent publisher providing educational content, comparison tools, and marketing services that help users discover and connect with insurance carriers, agents, and marketplaces ("Partners") — we are not an insurer, insurance broker, or agent and do not make coverage decisions, bind policies, or negotiate policy terms.

We are not an insurance carrier, insurance broker, insurance agent, or insurance institution. We do not make coverage decisions, bind insurance policies, negotiate policy terms, premiums, or coverage limits, or participate in carrier underwriting.

Submitting information through this Website does not constitute an insurance application. Users must complete an application directly with an insurance carrier or third-party marketplace before receiving a quote or policy offer.

Nothing on the Website constitutes personalized financial, legal, tax, or insurance advice. You are solely responsible for your coverage decisions and should consult qualified professionals as needed.

4. Business Identity and Independence

Insurancesignal.com operates independently from insurance partners, marketplaces, and insurance carriers and is not affiliated with any insurer or insurance carrier unless expressly stated.

Third party names, logos, and trademarks displayed on the Website are the property of their respective owners and are used for identification purposes only. Their appearance does not imply endorsement, sponsorship, or affiliation unless expressly stated.

5. Compensation and Rankings

The Website is a free online resource. We may receive compensation when users:

• Click links
• Submit information
• Are matched with insurance partners
• Are redirected to third-party websites

Compensation may influence how, where, and in what order products and companies appear on the Website. Company listings do not imply endorsement.

Some listings and marketplace results may be provided by third-party partners who determine insurance provider positioning and ranking within their marketplace.

We do not guarantee that any quote or offer you receive will be the best available in the marketplace.

6. Third Party Marketplaces, Redirects, and External Sites

The Website may redirect you to third party websites, including Partner marketplaces, insurance carrier sites, and other platforms, to view quotes or complete insurance applications.

When you leave the Website or submit information, you are interacting directly with a third party. Your interactions are governed by that third party's terms, privacy policy, and practices.

We do not control and do not guarantee the accuracy, availability, policies, or security of third party websites, services, or content. You access and use third party services at your own risk.

7. Offer Accuracy and Dynamic Information

Certain details presented on the Website are dynamic and may change at any time without prior notice.

Rates, premiums, coverage limits, policy terms, eligibility criteria, and promotional offers:

• May be provided directly by partners
• Are dynamic and may change without notice
• May differ from the final offer received from an insurance carrier

We do not guarantee that you will be approved for coverage or offered the same policy terms presented on the Website. Users must verify all information directly with the insurance carrier or provider before applying.

8. Match Requests, Communications, and Consent

If you submit information through the Website, it may be shared with one or more Partners to respond to your request or provide insurance quotes.

By submitting information, you expressly consent to be contacted by Partners and service providers via the contact methods you provide, including phone calls, text messages, and email. These communications may include telemarketing and may be made using automated dialing systems and/or prerecorded or artificial voice messages, even if your number is listed on a state, federal, or corporate Do Not Call registry. Consent is not required as a condition of purchase.

You understand that communications are initiated by Partners, not by Insurancesignal.com, and any request to stop communications must be directed to the specific Partner contacting you. We are not responsible for a Partner's failure to honor opt out requests.

9. SMS Lead Alert Program

Insurance Signal may send SMS notifications to licensed insurance agents and agency clients who voluntarily opt in to receive Insurance Signal SMS Lead Alerts.

Program description: Insurance Signal SMS Lead Alerts are operational SMS notifications used to notify opted in agent clients when a new insurance lead has been assigned and when full lead details have been delivered by email.

Full lead details are delivered by email. SMS messages are used only as operational lead delivery alerts and are not used for marketing or promotional purposes.

Message frequency varies based on lead volume and account activity. Message and data rates may apply.

Reply STOP to opt out of receiving SMS messages. Reply HELP for help, or contact support at brodeskydaniel@gmail.com.

SMS consent is optional and is not required as a condition of purchase, booking a consultation, creating an account, purchasing leads, or using our service.

10. Verification and Eligibility Checks

By submitting information, you authorize Partners and their service providers to verify the information you provided and to conduct checks and research necessary to evaluate eligibility and provide insurance quotes, in accordance with their policies and applicable law. If you do not want such verification, do not submit information through the Website.

11. Eligibility and Geographic Availability

Insurance products and services displayed on the Website may not be available in all states, jurisdictions, or to all users. You are responsible for confirming eligibility and availability with the Partner and for complying with applicable laws in your location.

12. User Responsibilities

You agree to use the Website for personal, non commercial purposes only. You also agree to:

• Provide accurate information if you choose to submit information
• Verify official Partner disclosures before making coverage decisions
• Not interfere with the security, functionality, or performance of the Website
• Not attempt to gain unauthorized access to any systems or data
• Not use the Website in any unlawful, misleading, or fraudulent manner

13. Prohibited Activities and Automated Access

You may not copy, reproduce, distribute, republish, or commercially exploit Website content without prior written permission.

You may not use or launch any automated system, including bots, scrapers, spiders, or crawlers, to access, index, scrape, or submit requests through the Website. You may not circumvent or disable security related features or attempt to interfere with rate limiting, fraud prevention, or tracking systems.

14. Intellectual Property

All content on the Website, including text, graphics, logos, design, and software, is owned by Insurancesignal.com or its licensors and is protected by applicable copyright, trademark, and intellectual property laws.

You may view and download materials for personal, non commercial use only. Unauthorized use may result in civil or criminal liability.

15. Privacy

Your use of the Website is also governed by our Privacy Policy, which explains how we collect, use, and share information, including cookies, pixels, and similar technologies.

16. Disclaimer of Warranties

Your use of the Website is at your sole risk. The Website and all content and services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, and non infringement.

We do not warrant that the Website will be uninterrupted, error free, secure, or free from viruses or other harmful components, or that information will always be accurate, complete, or up to date.

17. Limitation of Liability

To the fullest extent permitted by law, Insurancesignal.com, its owner, affiliates, partners, employees, and agents shall not be liable for any damages arising from or related to your use of, inability to use, or reliance on the Website or its content, including direct, indirect, incidental, consequential, special, exemplary, or punitive damages, loss of profits, revenue, data, business opportunities, or reputational harm.

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages, so some of the above limitations may not apply to you. In such cases, liability will be limited to the maximum extent permitted by law.

18. Indemnification

You agree to indemnify, defend, and hold harmless Insurancesignal.com, its owner, affiliates, officers, employees, agents, and partners from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or related to:

• Your use of, or inability to use, the Website
• Your violation of these Terms
• Your violation of any law or third party rights
• Any information you submit through the Website

19. Suspension and Termination

We may, in our sole discretion, suspend or terminate your access to the Website at any time and for any reason, including suspected abuse, fraud, security concerns, or violations of these Terms. We may also modify or discontinue the Website or any portion of it at any time without notice.

20. Corrections and Complaints

If you believe information on the Website is inaccurate or incomplete, contact us at brodeskydaniel@gmail.com . We review correction requests in good faith and may update content when warranted.

21. Modifications to Terms

We may update these Terms at any time. Changes are effective when posted on the Website. Your continued use of the Website after changes are posted constitutes acceptance of the updated Terms.

22. Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms to an affiliate or successor in connection with a merger, acquisition, reorganization, or sale of assets.

23. Governing Law and Venue

These Terms are governed by the laws of the United States and the applicable state law of the state in which you reside, without regard to conflict of law principles. Any dispute arising from or relating to these Terms or the Website shall be resolved in accordance with applicable federal and state law.

24. Time Limit to Bring Claims

Any cause of action or claim arising out of or related to the Website or these Terms must be commenced within one (1) year after the cause of action accrues. Otherwise, such claim is permanently barred.