The following terms and conditions (the "Terms of Service") govern your use of the services offered through thefinalquote.us (collectively, the "Site"). By using the Site, including requesting quotes for insurance, by calling our phone number, initiating a request for us to contact you by telephone, signing up to receive emails and other notices by providing your email address, or any other means we might make available, you accept and agree to these Terms of Use. If you do not agree to these Terms of Use, you are prohibited from using or accessing the Site. The terms "we," or "us," refer to The Final Quote ., and its subsidiaries and affiliates.
Thefinalquote.us provides you the opportunity to obtain quotes from insurance carriers, and other content providers. Once you provide us with certain information regarding your insurance needs, we attempt to match you with appropriate offerings, and/or refer to a third-party site for information or to apply for coverage. All fees are paid to the life insurer once we also do not handle pre-sell financial products of any kind. We do not guarantee that any policy for which you apply will be approved, or that any insurance carrier or other content provider to which we refer will receive your application or contact you.
We are not responsible in any way for the conduct of the insurance carriers, and other companies whose products may be displayed on the Site.
The policy provided by any insurance provider will be subject to the terms and conditions, under which it issued, and we have no control over such terms and conditions. While we make every attempt to provide accurate information regarding a variety of insurance offerings, such information is provided without guarantee or accuracy. After selecting a Rate on an insurance carrier or other service provider, you will be taken to said specific site where you may explore further details of a particular offering.
You may use the Site if you live in the United States, and are at least 18 years old. We reserve the right, for any reason, in our sole discretion, to terminate, change, suspend or discontinue any aspect of the Site. We may also impose limits on certain features of the Site or restrict your access to part of the entire Site, without notice or penalty. We do not charge users fees for use of the Site. We may be compensated by insurance carriers or other content providers in exchange for referring users.
In the course of your use of the Site, you may be asked to provide information or materials to us ("User Data"). User Data includes, for example, information you submit to us and your requests for insurance quotes. The Information collection and use practices with respect to User Data are set forth in our Privacy Policy which is available and hereby referencing for all purposes. You acknowledge and agree that you are solely responsible for the accuracy and content of the User Data. We cannot be responsible for maintaining any User Data that you provide to us, and we may delete or destroy any such User Data at any time. We reserve the right to refuse to post or to remove any User Data, in whole or in part, that, in our sole discretion, is unlawful, unauthorized, objectionable, or deemed to be in violation of these Terms of Use.
By providing your contact information to us through the Site, you are registering to receive communications from us directly, on our website or through a third party. We will periodically send you newsletters and other e-mails with offers, and promotions. We may also contact you by telephone and/or text messages, utilizing automated technology, at the phone number you provided as part of User Data. If you no longer wish to receive these communications, please let us know by sending an email to Customer Care at info@thefinalquote.us. You may also opt out by clicking on the unsubscribe link in the email.
The Site, and any necessary software used in connection with the Site, contain proprietary and confidential information that is protected by intellectual property laws, including but not limited to, copyrights, trademarks, and/or any other information and materials generated through the Site is protected by copyrights, trademarks, service marks, patents or other proprietary rights, and laws. Except as expressly permitted by applicable law or as authorized by us or applicable third-party service providers or advertisers, you agree not to copy, modify, rent, lease, loan, sell, distribute, or create derivative works based on the Site, in whole or in part. You may not copy or use the site, or any portion thereof, for posts or links prohibited.
Thefinalquote.us grants you a personal, non-transferable and non-exclusive right and license to use the Site on a computer or other internet device; provided that you do not (and do not allow any third party to) copy, reproduce, distribute, reverse engineer or otherwise exploit any content, code, data or materials on the Site. You agree not to modify the Site in any manner or form, or to use modified versions of the Site for any purposes. We do not grant any license or other authorization to any user to use our trademarks, tradenames, service marks or other marks or logos or those of our partners or service providers, unless separately agreed to in writing. "Tracking" or "framing" the Site is prohibited.
Any patterns, comments, suggestions, or materials submitted to us through the Site will become our sole property. We will own all rights in and to materials, and have the unrestricted right to use, publish and otherwise disseminate such information for any purpose whatsoever, commercial or otherwise.
The information and services on the Site are provided "as is" and for informational purposes only. We make no representations or warranties that the Site will be suitable for your needs, is complete, timely, reliable, or free from errors, inaccuracies or typographical mistakes. We disclaim all errors, inaccuracies, or incompleteness in the site and expressly disclaim any implied warranty of merchantability, title or fitness for a particular purpose. We cannot warrant that the Site will be free of viruses or classes, worms or other destructive or harmful code.
IN NO EVENT WILL THE FINAL QUOTE., ANY OF OUR 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 WHATSOEVER, INCLUDING BUT NOT LIMITED TO, THE USE OF, OR THE INABILITY TO USE, THE SITE AND THE SERVICES CONTAINED HEREIN, OR THE CONTENT AVAILABLE AT/THROUGH THE SAME (INCLUDING, BUT NOT LIMITED TO, INFORMATION AND RECOMMENDATIONS THAT MAY APPEAR ON THE SITE AVAILABLE THROUGH THE SITE). THE FOREGOING LIMITATION SHALL APPLY REGARDLESS OF WHETHER SUCH DAMAGES ARE BASED ON WARRANTY, TORT, NEGLIGENCE, STRICT LIABILITY, CONTRACT (INCLUDING, BUT NOT LIMITED TO, A BREACH OF A WARRANTY OBLIGATION), OR UNDER ANY OTHER LEGAL THEORY, REGARDLESS OF WHETHER THE PARTY OR ENTITY KNEW OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF WHETHER THE FOREGOING LIMITATIONS AND EXCLUSIONS ARE PERMITTED BY THE APPLICABLE LAW. YOUR SOLE AND EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THE SITE IS TO STOP USING THE SITE. USE IS STRICTLY FOR INFORMATIONAL AND EDUCATIONAL USE OR ITS SITE.
Any dispute or claim relating in any way to your use of this website, including any related calls texts or other communications, will be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify. This includes claims against any company, agency or person with whom we may share your information, and/or their agents. This agreement to arbitrate is intended to be broadly interpreted. Federal arbitration law shall apply to this agreement.
There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief or statutory damages), and must follow the terms of these terms, as a court would.
The arbitration will be conducted by the American Arbitration Association (AAA) under its rules, including the AAA's Supplementary Procedures for Consumer Related Disputes. The AAA's rules are available at www.adr.org or by calling +1 64 63 051 711. You may choose to have the arbitration conducted by telephone, based on written submissions, or in person in the county where you live or at another mutually agreed location.
We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim proceeds in court rather than in arbitration we each waive any right to a jury trial. We also both agree that you or we may bring suit in court to enjoin infringement or other misuse of intellectual property rights.
We accept advertising from third-party links to other sites for informational purposes only. We have no responsibility for the content or availability of information contained in other sites. We advise you not to trust links to the Site. The availability of these links does not constitute an endorsement or association with such sites or the content, products, advertising or other materials presented on such sites. You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damages or losses caused or alleged to be caused by or in connection with the use of or reliance on any content, goods or services available on such sites. You further acknowledge that we have no control over, and we assume no responsibility for, the content, privacy policies, or practices of any third party websites and the third party content contained on the Site is added by the Site or a third party.
These Terms of Use are subject to change from time to time and at any time, and such changes will be effective upon posting to the Site. Use of the Site following any modifications in the Terms of Use signifies your acceptance of such modifications.
The Site and these Terms of Use are governed by the laws of the State of California without giving effect to any principles of conflict of laws. If any provision of these Terms of Use shall be held to be invalid, illegal or cannot be enforced, the remaining provisions shall not in any way be affected or impaired thereby. We operate this Site in the United States. We make no representation that the information in the Site is appropriate for use in other locations. If you use the Site from other locations, you are responsible for compliance with local laws. You agree to submit to the exclusive jurisdiction of the courts located within the county of Riverside, State of California. You may not use the Site in any jurisdiction that does not give effect to all provisions of the Terms of Use, including this paragraph. We control and operate this Site from our offices in California. Persons who choose to access the Site from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent that local laws apply. Any cause of action brought by you against us or our affiliates must be instituted within one year after the cause of action arises. Claims instituted in violation of this section will be barred. Action or inaction by us regarding a breach does not waive our right to act with respect to any of the Terms of Use must be filed within one (1) year after such claim or cause of action arises or be forever barred.