Products and Services Life Insurance Auto Insurance Publishers Contact Us
Products and Services Life Insurance Auto Insurance Publishers Contact Us

Terms and Conditions

Effective Date: 7th of July 2025

Please read these Terms and Conditions (“Terms”) carefully before using the QuoteKings.com or Quote Kings Media.com websites (each individually a “Site” and collectively, the “Sites”). By accessing or using either Site, you agree to be bound by these Terms, which form a binding agreement between you and Kings Marketing Group LLC (“Company,” “we,” “us,” or “our”). If you do not agree, do not use the Sites. These Terms apply to all users, including consumers seeking insurance quotes, advertisers purchasing leads, and affiliates/publishers promoting our services. Your use of the Sites is also subject to our Privacy Policy and Cookie Policy (collectively, “Policies”), which are incorporated herein by reference.

1. Acceptance of Terms

By using the Sites, you acknowledge that you have read, understood, and agree to these Terms and our Policies. This includes agreeing to the dispute resolution provisions (including arbitration and waiver of class actions) described below. If you do not agree to these Terms, you must immediately cease using our Sites and services.

2. Definitions

For purposes of these Terms, the following capitalized terms have the meanings given below:

  • “Company” (also referred to as “we” or “us”) means Kings Marketing Group LLC, the owner and operator of the Sites.
  • “Sites” refers to the websites QuoteKings.com and Quote Kings Media.com, including all subdomains, mobile versions, and any associated services or applications.
  • “User” (or “you”) means any individual who accesses or uses the Sites, including consumers seeking insurance quotes or information.
  • “Lead” means a request or inquiry for insurance products or services submitted by a User through our Sites, including any personal information and contact details provided (collectively, “Consumer Information”)
  • “Advertiser” means an insurance provider, agent, broker, or other licensed entity that participates in our network to offer insurance products or services to Users. Advertisers may purchase or receive Leads (and associated Consumer Information) from the Company for the purpose of offering quotes or selling insurance policies.
  • “Affiliate” or “Publisher” means a third-party marketing partner who promotes our services or generates traffic/Leads to our Sites under agreement with the Company.
  • “Services” refers to the lead generation, marketing, and referral services provided by the Company through the Sites, including collecting consumer inquiries and connecting Users with Advertisers.
  • “Agreement” refers to these Terms and Conditions, as may be updated from time to time, governing the use of the Sites and Services.

Additional terms may be defined elsewhere in this document or in our Policies. Any references to “including” mean “including without limitation.”

3. Description of Services

The Company operates an insurance lead generation and marketing platform. Through our Sites, Users can request insurance quotes or information for various insurance products (e.g. auto, home, life, health insurance). We then connect Users with participating insurance companies, agents, or brokers (our Advertisers) who may provide insurance quotes or offers tailored to the User’s request. In essence, we help Users find insurance options by collecting their information and sharing it as a Lead with relevant Advertisers.

We are not an insurance carrier or agency, and we do not underwrite insurance policies or make coverage decisions. Any insurance policy, product, or service ultimately offered to a User is provided by the Advertiser, not by the Company. The Company does not guarantee that any User will receive a quote or a particular level of coverage or savings by using our Sites. All quotes and products are subject to terms and conditions of the participating Advertiser and applicable law.

Our Services are provided to Users free of charge. However, Advertisers may pay us a fee or commission for the Leads or referrals we provide (for example, when we share your contact information or when you obtain a quote or policy through our Sites). This compensation (Advertising Disclosure): We may be compensated by Advertisers for the Leads and marketing services we provide. Such compensation does not constitute an endorsement of any particular Advertiser or product, and we remain committed to connecting you with suitable insurance options. We strive to only work with reputable, licensed insurance providers, but we do not warranty or endorse the insurance products or services offered by Advertisers. (See No Professional Advice and Disclaimers below for additional information.)

4. User Eligibility and Responsibilities

Eligibility: The Sites are intended for use by individuals who are at least 18 years of age (or the age of majority in your jurisdiction) and who are legally capable of entering into contracts. The Sites are not directed to minors, and no one under 18 should use the Sites. By using a Site, you represent and warrant that you are 18 or older and meet all applicable eligibility requirements. If we become aware that a person under 18 has provided personal information or is using the Site, we reserve the right to delete such information and terminate that person’s access.

Personal, Lawful Use: You agree to use our Sites only for your personal, non-commercial purposes related to seeking insurance information or quotes, and only in compliance with these Terms and applicable laws. You must provide truthful, accurate, current, and complete information when using our Sites (for example, when filling out quote request forms). You may not use the Sites to submit false or fraudulent inquiries, misrepresent your identity, or impersonate any other person or entity. Submitting fictitious information or Leads is strictly prohibited and may constitute fraud.

Prohibited Conduct: You agree not to misuse the Sites or Services. In particular, you shall not:

  • Violate any applicable law, regulation, or rule in using the Sites or Services (including insurance regulations and telemarketing laws as described in Section 5).
  • Use the Sites for any fraudulent, malicious, harassing, or abusive purpose, or to engage in any illegal activity. This includes not posting or transmitting any unlawful, defamatory, threatening, or obscene material.
  • Interfere with the operation of the Sites or another user’s use of the Sites. You may not attempt to gain unauthorized access to any portion of the Sites, other users’ accounts, or the networks or systems connected to the Sites. You shall not attempt to probe, scan, or test the vulnerability of the Sites or any associated system or network.
  • Use any automated means (such as robots, spiders, or scrapers) to access, monitor, copy, or retrieve data from the Sites without our express written permission. Similarly, you may not use framing, mirroring, or similar techniques to enclose any portion of the Site.
  • Introduce any virus, malware, spyware, or any other code aimed to disrupt or harm the Sites or intercept any data.
  • Resell or exploit the Services or data obtained from the Services for any commercial purpose without our consent. (This does not restrict an Advertiser’s appropriate use of Leads as intended under their agreement with us.)
  • Use the Sites if you have been previously suspended or removed by the Company, or if you are a competitor of the Company accessing the Sites for competitive research (such use is not permitted).

We reserve the right to investigate and take appropriate legal action against any violations. Your failure to comply with the above may result in suspension or termination of your access (see Termination below), and may expose you to civil and criminal liability.

Account Security: If you create an account on any of our Sites (for example, an Advertiser or Affiliate dashboard account), you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or breach of security. We are not liable for any loss or damage arising from your failure to secure your account credentials.

5. Consent to Contact (Communications & Marketing)

By submitting your contact information (such as phone number or email) through our Sites, you expressly consent to being contacted by us and by our network of Advertisers for marketing purposes, as described below. This section is intended to ensure compliance with the Telephone Consumer Protection Act (TCPA) and CAN-SPAM Act, and to obtain your consent in a legally compliant manner.

Telephone Calls & Texts: By providing a telephone number, you consent to receive calls and text/SMS messages from the Company or our Advertisers (or their agents or affiliates) at that number. You agree such calls or texts may be auto-dialed or use a pre-recorded or artificial voice for marketing and informational purposes related to insurance products and services we believe may be of interest to you. This may include, for example, follow-up calls to help you obtain an insurance quote or to discuss products like auto, health, life, Medicare, or home insurance. You understand that you may be contacted even if your number is on a federal or state “Do Not Call” registry or list, because you are providing express consent to receive communications from us and our partners. Your consent is not a condition of purchase – you do not have to agree to receive such calls/texts in order to use our Sites or to purchase any goods or services (you can always opt-out as described below).

Recording and Monitoring: You agree that we or our partners may monitor and/or record telephone calls for quality assurance, training, compliance, or other business purposes. You also consent to the recording of your interactions with our web forms or online chat for the purpose of documenting your consent or request (for example, to retain proof of your consent as required by law).

Emails: By providing your email address, you consent to receive marketing and informational emails from us and our Advertisers. All marketing emails will be sent in compliance with the Controlling the Assault of Non-Solicited Pornography and Marketing Act of 2003 (CAN-SPAM Act), meaning they will include an unsubscribe mechanism and other required disclosures. We may also use your email to send transactional or administrative messages related to our Services (for example, confirmation of your quote request, or updates to these Terms or our Privacy Policy).

Standard Rates: You understand that message and data rates may apply to any texts or calls we send to you, depending on your telephone plan. You are responsible for such charges. You are solely responsible for charges by your carrier for telephone, text, or data usage.

Opt-Out Rights: Your consent in this Section 5 can be revoked. If at any time you do not wish to receive marketing communications, you may opt out. For emails, you can unsubscribe by clicking the unsubscribe link provided in the email (as required by the CAN-SPAM Act). For text messages, you may reply “STOP” (or follow other provided instructions) from the mobile device receiving the messages to opt out of further texts. You may also contact us at [Email] or [Phone] (see Contact Us below) to be placed on our internal do-not-call (DNC) or do-not-contact list, which we maintain in accordance with law. Please note that opt-out requests may take a short time to process, and you may continue to receive communications while we process your request. Also, opting out of marketing communications will not prevent us from sending you non-marketing communications, if necessary for transactions or legal purposes (for example, we may still send a notice of an update to terms or a response to a customer service inquiry).

Third-Party Communications: When you request a quote or otherwise use our Services, we may share your Lead information with one or more Advertisers (insurance providers) so that they can respond to your inquiry. Those Advertisers may also contact you directly by phone, text, email, or mail. Such communications are initiated by the Advertisers, not by the Company, but by using our Services you are requesting and consenting to such follow-up communications. Advertisers are solely responsible for their communications with you. However, we require by contract that our Advertisers comply with applicable telemarketing laws (including TCPA) and only contact you if you have given the requisite consent. We contractually oblige that any Lead we provide has been collected with the consumer’s “prior express written consent” as required by the TCPA, including clear disclosure that the consumer will receive marketing calls/texts, that the consumer agreed to be contacted at the number provided, that consent was not a condition of any purchase, and that the consumer took some affirmative action to indicate consent. If you believe any Advertiser we matched you with is not honoring your opt-out requests or otherwise violating law, please notify us.

For further details on how we collect and use your contact information, please see our Privacy Policy. By agreeing to these Terms, you also agree to the terms of our Privacy Policy regarding how we handle your personal data.

6. Privacy and Data Rights

Your privacy is important to us. Our Privacy Policy (available on our Site) explains what information we collect, how we use and share it, and your rights regarding your personal data. By using the Sites or submitting personal information, you acknowledge that you have read our Privacy Policy and understand that we will collect, use, and disclose your information in accordance with that policy and applicable law.

We strive to handle personal data in compliance with all relevant privacy laws, including the California Consumer Privacy Act (CCPA) (as amended by the California Privacy Rights Act, CPRA) and the EU General Data Protection Regulation (GDPR), among others. Without limiting the generality of the foregoing:

  • California Residents: If you are a California resident, you have specific rights under the CCPA/CPRA, such as the right to know what personal information is collected, the right to request deletion of your data, the right to opt-out of the “sale” of personal information, and the right to non-discrimination for exercising these rights. Our Privacy Policy details these rights and how you can exercise them. We will not discriminate against you for exercising any privacy rights under California law.
  • EU/EEA Residents: If you are located in the European Union or a similar jurisdiction with comprehensive data protection laws, you may have rights under the GDPR or equivalent laws, including the right to access personal data we hold about you, the right to request correction or deletion, the right to restrict or object to processing, and the right to data portability. You also have the right to withdraw consent where processing is based on consent. We only process your data for lawful bases, such as your consent (for example, for marketing communications), to fulfill our contractual obligations to you (providing the Services you requested), or for our legitimate interests (improving our services, preventing fraud, etc.), as described in our Privacy Policy.
  • “Do Not Sell/Share” Requests: Our Privacy Policy also describes how you can direct us not to “sell” or share your personal information (as defined under applicable laws). Given the nature of our Services (transferring Leads to Advertisers), such transfers may be considered a “sale” of personal information under CCPA. We will honor and provide mechanisms for you to opt out of such transfers if required by law.

Data Security: We implement reasonable and appropriate security measures to protect your personal information. However, no website or Internet transmission is completely secure, so we cannot guarantee absolute security of your data. Please notify us promptly if you become aware of any breach of security or unauthorized use of your personal data.

7. Use of Cookies & Tracking Technologies

Our Sites (and authorized third parties) use cookies, web beacons, pixels, and similar tracking technologies to provide and improve our Services, to remember your preferences, and to serve relevant advertising. By using our Sites, you consent to our use of cookies and similar technologies in accordance with our Cookie Policy and Privacy Policy.

  • Cookies: Cookies are small text files stored on your device when you visit a website. We use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device for a set period or until deleted) to enhance your experience. For example, cookies may help remember your information so you don’t have to re-enter it, or to track analytics about usage of our Sites.
  • Analytics and Advertising: We may use third-party analytics tools (like Google Analytics) that deploy their own cookies or similar identifiers to collect information about your use of the Sites. We may also partner with advertising networks that use cookies and tracking to deliver tailored advertisements on our Sites or other sites about our services.
  • Your Choices: You can control or delete cookies through your browser settings. You may also opt-out of certain tracking or interest-based advertising – see our Cookie Policy for more details on how to exercise these choices. However, please note that disabling cookies may affect the functionality of the Sites (for instance, some features may not work properly).

For further information, please review our Cookie Policy [if a separate policy exists] which provides detailed descriptions of our use of cookies and tracking and how you can manage your preferences.

8. No Professional Advice

No Insurance or Financial Advice: All content and information provided on our Sites (including articles, guides, quotes, or other materials) is for general informational purposes only. While we strive to provide useful and accurate information, nothing on our Sites constitutes professional advice – whether insurance, financial, legal, or otherwise. The Company is not a licensed insurance brokerage or financial advisory firm; we are a marketing and lead generation company. Users should not construe any content on the Sites as professional advice or a substitute for advice from a licensed insurance agent, broker, or other qualified professional. You are encouraged to consult with licensed insurance advisors or other professionals to discuss your specific insurance needs and circumstances.

No Agent-Client Relationship: Your use of our Sites and Services does not create any agent-broker or fiduciary relationship between you and the Company. Any reliance you place on information from the Sites is at your own risk. The Company does not endorse or recommend any specific insurance plan, insurance carrier, or insurance agent. Any decision you make regarding insurance products should be based on your own judgment and/or advice from a qualified professional, not solely on information provided by our Sites.

Third-Party Content: Some content on the Sites may be provided by third parties, including Advertisers or affiliates, or link to third-party websites. Such content is not reviewed or endorsed by us. We are not responsible for the accuracy or reliability of any third-party content. (See also External Links below.)

In summary, always use your own judgment. The service we provide is informational and facilitative in nature – helping you connect with insurance providers – but we do not provide professional risk evaluations, guarantee coverage, or advise you on which insurance policy to choose. Always read the policy terms provided by the insurance company and ask questions of the licensed agent or insurer before purchasing.

9. Advertiser Relationships & Disclosures

Our business involves relationships with insurance providers and agents (referred to as “Advertisers”). We believe it is important to be transparent about these relationships and the responsibilities of all parties:

Compensation Disclosure: The Company may receive compensation from Advertisers for services such as generating Leads, forwarding your inquiries, or for advertising space on the Sites. This compensation may be in the form of fees per Lead, commissions, or other revenue-sharing arrangements. Such compensation does not affect the information we present to Users (e.g., it does not mean one Advertiser’s quotes are “better” than another’s on our Sites). However, it may impact the order or manner in which multiple quote options are displayed (if, for example, some Advertisers pay for preferred placement). We strive to provide a useful service to Users and maintain editorial independence in any content such as informational articles. If you have any questions about our compensation, please contact us.

No Endorsement or Guarantee: We do not endorse, warrant, or guarantee the products or services of any Advertiser. Any insurance contract is strictly between you (the consumer) and the Advertiser. The inclusion of an Advertiser on our Sites (or our referral of a particular Advertiser to you) does not constitute a recommendation that you purchase insurance from that Advertiser. You should use your own judgment and review information about multiple providers before making a choice.

Licensed Providers: Advertisers are required to be properly licensed to offer insurance in the relevant jurisdictions. Insurance is regulated at the state level in the U.S., and each Advertiser should hold the necessary licenses with the state Departments of Insurance for the states in which they do business. We expect our Advertisers to comply with all applicable insurance laws and regulations, including those regarding licensing, marketing, and sales practices. This includes adherence to any National Association of Insurance Commissioners (NAIC) guidelines and model regulations relevant to insurance advertising and consumer protection. For example, Advertisers must provide accurate disclosures, avoid misrepresentations, and handle consumer information lawfully.

Responsibility of Advertisers: Once your information is transferred to an Advertiser (e.g., when you are seeking a quote), that Advertiser is solely responsible for subsequent communications with you, for providing accurate quotes, and for ultimately binding or issuing any policy you might purchase. Advertisers must provide their services in accordance with their own terms and any legal obligations (such as providing you with required insurance disclosures, respecting your opt-out requests, and abiding by fair sales practices mandated by state insurance codes and the NAIC). The Company is not liable for any acts or omissions of Advertisers, or for any insurance products they may offer or sell to you.

Disclosure of Material Relationships: In some cases, the Company or its owners may have an affiliation with certain Advertisers (for instance, common ownership or referral arrangements). We will disclose any such material relationships in accordance with FTC guidelines if relevant to content on our Sites. Generally, assume that any time you are connected with an Advertiser through our Service, it is a commercial relationship and we may be compensated.

If you experience any issues with an Advertiser (such as misconduct, refusal to honor a quote, etc.), please inform us. While we are not responsible for Advertiser conduct, we value feedback and may address concerns within our network.

10. Affiliate & Publisher Conduct

We work with Affiliates/Publishers who help market our Services or direct consumers to our Sites. If you are an Affiliate or other partner bound by these Terms, you agree to the following additional requirements:

Compliance with Laws: You must comply with all federal and state laws and regulations applicable to your marketing activities. This includes, but is not limited to, telemarketing laws (TCPA and associated FCC regulations), email marketing laws (the CAN-SPAM Act of 2003), and any laws regarding text messaging, advertising, data privacy, and consumer protection. You shall not engage in any form of spam or unlawful marketing on our behalf. For example, if you send commercial emails promoting our Sites, each email must comply with CAN-SPAM (contain accurate sender information, no deceptive subject lines, a clear unsubscribe mechanism, etc.), and you must honor opt-out requests promptly. If you telemarket or send texts, you must obtain prior express written consent from consumers as required by the TCPA, including making the proper disclosures and not requiring consent as a condition for any purchase.

No Deceptive Practices: Affiliates shall not misrepresent themselves or our Services in any marketing content. You may not portray yourself as the Company or as an insurance provider if you are not one. All advertising materials must be truthful and not misleading. Do not make false claims about insurance coverage, pricing, or any other aspect of our Service. Any use of our trademarks or logos must be pre-approved and in compliance with Section 11 (Intellectual Property).

Prohibited Traffic Sources: Unless explicitly authorized by us, Affiliates may not use certain traffic generation methods such as incentive-based leads (offering rewards for clicking or signing up), adware/malware, or unauthorized telemarketing. You are also forbidden from bidding on our brand names or domains in pay-per-click search engine marketing without permission, or from using domains that are typos or confusingly similar to ours.

Quality of Leads: If you as an Affiliate collect consumer data (Leads) to pass to us, you must handle that data responsibly. You must ensure any consumer filling out a form or providing data knows that they will be connected with insurance providers and that their data will be shared. Leads must be genuine and provided by the actual consumer interested in the product (no fake or purchased lead data, no data from incentivized signups, etc.). You must not resell leads that you collect for our program to any other party, unless expressly permitted by us in writing.

Confidentiality: If you are an Affiliate, any non-public information we share with you (e.g., payout rates, marketing strategies, APIs) is our Confidential Information. You must keep it confidential and only use it for performing under our partnership.

Indemnity for Affiliate Actions: In addition to the general indemnification in Section 13, Affiliates agree to indemnify and hold the Company harmless for any fines, penalties, or liabilities arising from Affiliate’s breach of the above requirements or other misconduct. For example, if Affiliate’s email campaign violates CAN-SPAM and results in our company being investigated or fined, the Affiliate will be responsible for all associated costs, losses or damages.

The Company reserves the right to monitor Affiliate activities (including, for instance, reviewing marketing creatives or methods) and to terminate or suspend any Affiliate or Publisher from our program for non-compliance or any behavior that we deem harmful to consumers or our reputation. We have zero tolerance for SPAM or illegal marketing tactics.

If you are interested in becoming an Affiliate, you must agree to additional terms in our affiliate agreement or program guidelines, which will supplement these Terms. In the event of any conflict between such affiliate-specific terms and these Terms, the affiliate agreement will control for matters specific to the affiliate program.

11. Intellectual Property

Ownership of Site Content: The Sites and all content and materials therein, including but not limited to text, graphics, logos, button icons, images, audio clips, software, and compilations of data, are owned by the Company or its licensors and are protected by intellectual property laws (such as copyright, trademark, and trade secret laws). All rights are reserved. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Sites and their content for your personal, non-commercial use in connection with seeking insurance information or using our Services. Any other use, including the reproduction, modification, distribution, transmission, republication, display or performance of the content on the Sites is strictly prohibited without our prior written permission.

Trademarks: All trademarks, service marks, logos, and trade names displayed on the Sites are proprietary to the Company or its affiliates or licensors. This includes “QuoteKings”, “Kings Marketing Group”, and our associated logos and slogans. You are not permitted to use any of these marks without our prior written consent. All other marks that appear on the Sites are the property of their respective owners and are used for identification purposes only; their use on our Sites does not imply endorsement or affiliation with the Company.

No License by Implication: Nothing in these Terms shall be construed as granting, by implication or otherwise, any license or right to use any of the Company’s intellectual property, except as expressly provided. Any unauthorized use of the Site’s content or intellectual property may violate copyright laws, trademark laws, privacy and publicity laws, and/or communications regulations and statutes.

User-Submitted Content: If the Sites allow you to submit or post any content (such as reviews, comments, or testimonials), you retain ownership of your content, but by submitting it, you grant the Company a worldwide, irrevocable, royalty-free, perpetual, sublicensable license to use, reproduce, modify, publish, translate, distribute, and display that content in any media. You represent that you have the rights to grant such license and that your submission does not infringe any third-party rights. We reserve the right to remove any user-submitted content that violates these Terms or is otherwise objectionable, at our discretion.

Third-Party IP: We respect the intellectual property rights of others and expect our users and partners to do the same. If you believe that any content on our Sites infringes your copyright or other intellectual property rights, please notify us immediately (see Contact Us for how to reach us). For copyright issues, you may send a DMCA takedown notice in compliance with 17 U.S.C. § 512. Include the required information: identification of the copyrighted work and material that is claimed to be infringing (with sufficient detail for us to locate it), a statement of your good-faith belief of no authorization, your contact information, and a statement under penalty of perjury that your notice is accurate and you are the copyright owner or authorized to act on their behalf, along with your physical or electronic signature. Upon receipt of a valid notice, we will investigate and respond in accordance with the DMCA.

Feedback: If you send or transmit any suggestions, improvements, ideas or other feedback about our Sites or Services (“Feedback”), you acknowledge that such Feedback is not confidential and that we are free to use it without restriction or compensation to you.

12. Disclaimers

No Warranties: The Sites, Services, and all information, content, products, and services offered through the Sites are provided on an “AS IS” and “AS AVAILABLE” basis. The Company makes no warranties or representations of any kind, express or implied, about the Sites or any content therein. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising from course of dealing or usage of trade. We do not guarantee that the Sites will be available uninterrupted or error-free, that defects will be corrected, or that the Sites or the servers that make them available are free of viruses or other harmful components.

Information Accuracy: Although we endeavor to keep information on the Sites up to date and accurate, we do not warrant the completeness, timeliness, or accuracy of any information or content. Insurance information (including quotes, rates, and descriptions of coverage) may be provided by third parties (such as Advertisers) and may change at any time. Any quotes displayed are not binding and may be subject to change based on additional information or underwriting by the Advertiser. The Company is not responsible for any errors or omissions in content, and we reserve the right to correct any errors or update information at any time without prior notice.

No Guarantee of Results: The Company does not guarantee that you will receive quotes or offers from any Advertiser, or that any particular insurance product is available or suitable for you. We do not guarantee that using our Services will result in better insurance rates or outcomes than any other method. Any decisions you make regarding insurance are solely your responsibility.

Third-Party Services: Any dealings or interactions you have with any third parties (including Advertisers or affiliates) through our Sites or Services are solely between you and that party. We are not responsible for any third-party websites or services, even if you access them through our Sites (for example, via links or if an Advertiser’s quote form directs you to their site). External websites are governed by their own terms and privacy policies. We disclaim liability for any content, advertising, products, or other materials on or available from third-party sites. If you choose to use a third-party service (for example, financing or payment services related to an insurance purchase), you do so at your own risk.

AS-IS Nature of Service: You understand and agree that any insurance information or quote provided on our Sites is for informational purposes and is not a binding offer. The Service allows you to receive information from providers, but any insurance policy can only be issued by a licensed insurer or agent and may require additional steps (applications, medical exams, etc.) beyond the scope of our Service. We do not perform underwriting. All warranties and obligations relating to any policy you obtain are the responsibility of the issuing insurer, not the Company.

Consumer Protections: Some jurisdictions do not allow the exclusion of certain warranties or conditions, so some of the above disclaimers may not apply to you. In such jurisdictions, our warranties are limited to the extent permitted by law.

13. Limitation of Liability

To the maximum extent permitted by law, in no event shall the Company (or its officers, directors, employees, agents, affiliates, or suppliers) be liable for: any indirect, special, incidental, consequential, or punitive damages whatsoever arising out of or in connection with your access to or use of (or inability to use) the Sites or Services. This includes, without limitation, damages for lost profits, lost savings, loss of data, business interruption, or any other commercial or personal damages or losses, even if we have been advised of the possibility of such damages. We will not be liable for any damages caused by any failure of performance, error, omission, interruption, deletion, defect, delay in operation or transmission, computer virus, communication line failure, theft or destruction or unauthorized access, whether for breach of contract, tort, negligence, or any other cause of action.

Cap on Liability: To the extent that any liability is not legally excludable under applicable law, the total cumulative liability of the Company to you for all claims arising from or related to the use of the Sites or Services, or these Terms, shall not exceed the greater of: (a) the amount (if any) you have paid to us for the specific Service from which the liability arose in the 12 months immediately preceding the claim, or (b) USD $100. If applicable law prohibits limitation of liability for certain types of damages, the Company’s liability will be limited to the smallest amount permitted by law.

Acknowledgment: You acknowledge that the Company is providing the Sites and Services free of charge or at a cost that would not be feasible without these liability limitations. You agree that these limitations of liability are an agreed allocation of risk and are reflected in the fees (if any) we charge. Reliance on any information or services provided by the Company is at your own risk, and you agree that we shall have no responsibility for the success or failure of your insurance decisions or business decisions arising from such information or services.

No Liability for Advertiser Offerings: The Company is not liable for any transactions or disputes between you and any Advertiser or other third party. If you purchase an insurance policy or other product from an Advertiser, any claims or disputes (for example, a claim that the policy did not cover a loss) are strictly between you and the Advertiser/insurer. We do not insure against any losses you may incur from using or relying on an insurance product obtained through our Service.

Applicability: The foregoing limitations apply to the fullest extent permitted by law in the applicable jurisdiction, regardless of the form or theory of claim, whether based in contract, tort (including negligence), strict liability, or any other legal theory. Some states do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In such states, our liability is limited to the maximum extent permitted by law.

14. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its parent, subsidiaries, and affiliates, and their respective officers, directors, employees, agents, and partners (collectively, “Indemnitees”) from and against any and all claims, actions, demands, liabilities, losses, damages, judgments, settlements, costs, and expenses (including reasonable attorneys’ fees) arising out of or resulting from: (i) your use of the Sites or Services (or use by any person who accesses the Sites using your account or your device, whether with your permission or not); (ii) your breach of these Terms or any representation or warranty contained herein; (iii) your violation of any applicable law or regulation (including, without limitation, any telemarketing or privacy law) or any rights of another person or entity (such as intellectual property, confidentiality, or privacy rights); or (iv) if you are an Advertiser or Affiliate, your products, services, advertisements, communications, or business dealings with any User or third party (including any breach of your obligations to a consumer, or any violation by you of NAIC or Department of Insurance regulations).

This indemnification covers, for example, claims brought by third parties or government authorities due to your conduct. You agree that the Indemnitees have the right to assume the defense and control of any matter subject to indemnification by you, in which case you will cooperate with us in asserting any available defenses. You further agree not to settle any such matter without the prior written consent of the Company.

Your indemnification obligations shall survive any termination of your use of the Sites or Services, or termination of these Terms.

15. Dispute Resolution (Arbitration & Class Action Waiver)

Please read this section carefully. It affects your legal rights by requiring binding individual arbitration of disputes and a **waiver of the ability to bring or participate in a class or collective action.

15.1. Mandatory Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms, the Sites, the Services, or your relationship with the Company (collectively, “Disputes”) shall be resolved through final and binding arbitration on an individual basis, rather than in court. You and the Company agree to waive the right to a trial by jury or to participate in a class action or representative proceeding for any Dispute.

This arbitration agreement is governed by the Federal Arbitration Act (FAA) and evidences a transaction in interstate commerce.

Scope: This agreement to arbitrate is intended to be broadly interpreted. It includes, for example, claims based in contract, tort, statute, fraud, misrepresentation, or any other legal theory. The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, including any claim that all or part of it is void or voidable, or whether a claim is subject to arbitration (often referred to as “gateway” issues).

Exceptions: Notwithstanding the above, either party may elect to take a claim to small claims court (if the claim qualifies and so long as the matter remains in such court and is pursued only on an individual basis). Also, nothing in this arbitration agreement will prevent you from bringing issues to the attention of federal, state, or local agencies; if the law allows, such agencies can seek relief against us on your behalf (this is not waived by this arbitration provision).

15.2. Arbitration Procedure

Arbitration Provider: Arbitration shall be administered by the American Arbitration Association (AAA) or another established ADR provider mutually agreed upon by the parties. If AAA is used, then the AAA’s Consumer Arbitration Rules (or Commercial Arbitration Rules, if you are using the Sites in a business capacity) will apply, except as modified by these Terms. You can find AAA’s rules and instructions on how to initiate arbitration at the AAA website (https://www.adr.org).

Arbitration Process: To begin an arbitration, you or the Company must provide the other with a written Demand for Arbitration. The arbitration will be conducted by a single neutral arbitrator. For claims of $25,000 or less, you may choose to have the arbitration conducted solely on the basis of documents submitted to the arbitrator, or through a telephonic hearing. For claims above $25,000 (or where either party requests), the arbitrator will conduct a hearing which may be in-person or via video/teleconference as determined by the arbitrator, taking into account the parties’ preferences and circumstances. If an in-person hearing is held, it will take place in a location reasonably convenient to you and the Company, or in [County], [State], or another location mutually agreed upon.

Arbitration Fees and Costs: Payment of all filing, administration, and arbitrator fees will be governed by the AAA’s rules. If your claim for damages does not exceed $10,000, the Company will pay all such fees upon request, unless the arbitrator finds your dispute frivolous or brought for an improper purpose. For claims that exceed $10,000, the filing fee for you will be capped at the amount set by AAA’s consumer rules, and we will pay the remainder of any filing or administrative fees. In addition, if you demonstrate that the costs of arbitration will be prohibitive compared to litigation, the Company will pay as much of the arbitration fees as the arbitrator deems necessary to ensure the arbitration is not cost-prohibitive. Each party will bear its own attorneys’ fees and costs unless the arbitrator awards otherwise (e.g., if the arbitrator finds that a claim was frivolous, they may award attorneys’ fees to the other party, as allowed by law and AAA rules).

Arbitrator’s Authority: The arbitrator shall apply the same substantive law and statutes of limitations that would apply in court (subject to Section 16 Governing Law below). The arbitrator may award any individual relief or individual remedies that a court of competent jurisdiction could award to an individual claimant. The arbitrator’s decision and award is final and binding on the parties and may be entered as a judgment in any court of competent jurisdiction. The arbitrator shall provide a reasoned written decision if requested by either party.

15.3. Class Action and Collective Relief Waiver

You and the Company agree that any arbitration (or litigation, if this arbitration agreement is deemed unenforceable) will be conducted on an individual basis only, and not on a class, collective, consolidated, or representative basis. The parties expressly waive any ability to bring or participate in a class or representative action or to seek relief on behalf of others. The arbitrator shall have no authority to consider or arbitrate any form of a class, representative, collective, or private attorney general action. No joinder of claims is permitted without the consent of all parties.

If at any time this class action waiver is found to be unenforceable or void with respect to a particular claim or request for relief (for instance, if a court finds you have the right to bring a public injunction claim and that this waiver is not enforceable as to that claim), then the agreement to arbitrate shall not apply to that claim or portion of the claim. Instead, that specific claim/relief will be severed from the arbitration and can proceed in court, subject to the right of appeal. All other claims will remain subject to arbitration.

15.4. 30-Day Right to Opt Out

Opt-Out Procedure: If you do not wish to be bound by the arbitration and class-action waiver provisions in this Section 15, you must notify us by sending a written “Opt-Out Notice” to [Email] or to our mailing address listed in Contact Us below. Your Opt-Out Notice must be sent within 30 days of your first use of the Sites or Services governed by these Terms (or, if these Terms are materially updated, within 30 days of the date of the new effective date). The Opt-Out Notice must include your full name, address, the email address associated with your use of the Site (if any), and a clear statement that you opt out of the arbitration agreement.

Effect of Opt-Out: If you opt out of arbitration as provided in this section, neither you nor the Company will be bound by the arbitration provisions of Section 15. (The rest of these Terms shall continue to apply.) Opting out of this arbitration provision has no adverse effect on your relationship with us or the delivery of Services to you. If you opt out, you will retain the right to bring any claims against the Company in court, subject to the venue and governing law provisions in Section 16, and the Company will retain all rights to defend such claims in court.

Note: If you do not submit an Opt-Out Notice within the 30-day period, you will be deemed to have knowingly and intentionally waived your right to litigate any Dispute except through individual arbitration. You acknowledge that you have received consideration (e.g., the ability to use the Sites and Services) for waiving the right to litigate disputes on a class basis.

15.5. Severability of Arbitration Provisions

Except as stated in Section 15.3 regarding the class action waiver, if any portion of this arbitration agreement is deemed invalid or unenforceable, it shall not invalidate the remaining portions of this Section 15. In the event that the entirety of this arbitration agreement is deemed unenforceable for any reason, or if you validly opt out, then Section 16.2 (Judicial Forum) shall govern any ensuing court proceedings.

16. Governing Law & Venue

16.1. Governing Law

These Terms and any disputes arising out of or related to these Terms or the use of the Sites/Services (including any tort or statutory claims) shall be governed by and construed in accordance with the laws of the [State] of [State] (United States), without giving effect to its conflict of law principles. Notwithstanding the foregoing, the Federal Arbitration Act will govern the interpretation and enforcement of the arbitration agreement in Section 15.

If you reside outside of the United States or interact with the Sites outside of the U.S., to the extent local law applies, you agree that U.S. law will govern as to all matters, to the extent permitted by law.

16.2. Venue and Jurisdiction

Subject to the arbitration agreement above, you and the Company agree that any judicial action or proceeding arising out of or related to these Terms or the Sites/Services shall be brought in the state or federal courts of [County], [State]. Each party consents to the exclusive jurisdiction and venue of such courts, and waives any objection on the grounds of inconvenient forum or any similar doctrine.

This venue provision will apply only if the arbitration agreement is found unenforceable or if you timely opt out of arbitration, or for any disputes that are permitted to be litigated in court notwithstanding the arbitration clause (e.g., enforcement of an arbitration award, or a claim exempt from arbitration). In any such permitted court proceeding, the parties waive any right to a trial by jury, to the extent allowed by law.

17. Modifications to Terms

Right to Modify: The Company reserves the right to modify or update these Terms at any time in its sole discretion. If we make material changes, we will post the updated Terms on the Sites and update the “Effective Date” at the top. We may also notify you by email or via an announcement on the Sites, but are not required to do so. It is your responsibility to review these Terms periodically for updates.

Acceptance of Changes: Any modifications will be effective immediately upon posting (unless a later effective date is indicated). By continuing to use the Sites or Services after any changes to these Terms are posted, you agree to be bound by the updated Terms. If you do not agree with a change, you must stop using the Sites and Services. In the event you have created an account, you may cancel your account as provided in Section 18 if you do not agree to the revised Termsi.

Specific Notices: In some cases, we may provide additional terms or notices on specific areas of the Sites or in connection with certain Services (for example, terms for a contest or additional guidelines for a feature). If there is a conflict between those specific terms and these Terms, the specific terms will govern for that conflict. Certain provisions of these Terms may be superseded by explicitly designated legal notices or terms posted on particular pages of the Site.

We also reserve the right to modify or discontinue any aspect of the Sites or Services at any time, including the right to discontinue temporarily or permanently any feature or content. We will not be liable to you or to any third party for any such modification, suspension, or discontinuance of the Service.

18. Termination

By Company: We may, in our sole discretion and without liability, terminate or suspend your access to the Sites or Services (or terminate any account you have with us) at any time, with or without notice, for any reason or no reason, including if we believe that you have violated these Terms or applicable law, or if we decide to discontinue the Servicesi. Suspension or termination may include removal of your account or restrictions on future access. We may also remove or delete any content or data you provided at our discretion.

By You: You may terminate your use of the Sites at any time by simply discontinuing use. If you have an account, you may request to cancel your account by contacting us (see Contact Us below). Termination of your account will be effective once we process your request.

Effect of Termination: Upon any termination of this Agreement, whether by you or us, your right to use the Sites and Services will immediately cease. However, the provisions of these Terms which by their nature should survive termination (such as ownership provisions, warranty disclaimers, limitations of liability, dispute resolution, and indemnity) shall survive. Any licenses you granted to us (e.g., for user content) shall also survive. If your access is terminated by us due to a breach, you agree not to attempt to access the Sites again without our permission.

Termination of your relationship with us does not relieve you of any obligation to pay any fees (if applicable) or resolve any outstanding disputes.

19. Miscellaneous

Entire Agreement: These Terms (including any incorporated Policies, such as the Privacy Policy, and any additional terms disclosed for specific services or promotions) constitute the entire agreement between you and the Company regarding your use of the Sites and Services, and supersede all prior agreements, understandings, or representations on that subject.

Waiver: Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by an authorized representative of the Company.

Severability: If any provision of these Terms is held to be unlawful, void, or unenforceable, that provision shall be deemed severable from the remaining provisions and shall not affect the validity and enforceability of the rest of the Terms. The remainder of the Terms shall be enforced to the maximum extent permitted by law. For example, if a court finds the class action waiver unenforceable, the rest of the arbitration clause may be severed as noted, and so on.

Force Majeure: The Company shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including but not limited to natural disasters, war, terrorism, riots, embargoes, government actions, labor strikes, supply or transportation disruption, or telecommunication/internet outages.

Relationship of Parties: You and the Company are independent contracting parties. These Terms do not create any partnership, franchise, joint venture, agency, or employment relationship between the parties. You may not make any representations or bind the Company in any manner.

Assignment: You may not assign or transfer any rights or obligations under these Terms without our prior written consent. We may freely assign or transfer our rights and obligations under these Terms, in whole or in part, to any affiliate or in connection with a merger, acquisition, sale of assets, or by operation of law.

Third-Party Beneficiaries: Except as expressly provided in these Terms, there are no third-party beneficiaries to these Terms. Users are not third-party beneficiaries of any agreements between the Company and any third party (including any agreement between Company and Advertisers or Affiliates).

Headings: The section titles in these Terms are for convenience only and have no legal or contractual effect.

Notices: We may provide notices to you by posting on our Site, sending an email to any address you provide, or by mail to any address you provide. You are responsible for keeping your contact information up to date. Notices sent by email or posted on the Site shall be deemed received immediately. Mailed notices shall be deemed received 5 business days after mailing. You may send notices to us as described in Contact Us below.

20. Contact Us

f you have any questions, concerns, or comments about these Terms or our Services, or if you need to contact us for any reason (including to provide legal notices, to opt out of arbitration, or to exercise your rights), you may reach us at:

Kings Marketing Group LLC

[Address] (Attn: Legal Department)

Email: [Email Address]

Phone: [Phone Number]

Please note: Email communications may not be secure, so please do not include sensitive information in any email to us. For certain requests (such as opting out of arbitration or legal notices), we recommend using a traceable mailing method.