Effective Date: June 28th , 2024

The website, insurancequote.cloud (“Website”), is operated by iAsset & FinteX Consulting LLC (“iAsset & FinteX Consulting,” “we,” “us,” or “our”). Upon accessing or utilizing our Services, you are acknowledging that you have reviewed, comprehended, and consented to abide by the terms and conditions outlined in these Terms of Use (referred to as this “Agreement” or “Terms”) and our Privacy Policy (the “Privacy Policy”), which is included herein by reference. If you do not agree to the Terms of Use or Privacy Policy, you are not permitted to access or use the Website. THIS AGREEMENT INCLUDES AN ARBITRATION AGREEMENT AND CLASS ACTION WAIVER THAT RENOUNCE YOUR RIGHT TO A COURT HEARING OR JURY TRIAL OR TO PARTICIPATE IN A CLASS ACTION. ARBITRATION IS COMPULSORY AND THE SOLE REMEDY FOR ANY AND ALL DISPUTES UNLESS OTHERWISE STATED HEREIN OR UNLESS YOU CHOOSE TO OPT-OUT.

Table of Contents

  • – Our Services
  • – Your Access and Use of the Services
  • – Our Intellectual Property Rights
  • – Your Account
  • – User-Generated Content
  • – Electronic Communications
  • – Third Party Links and Services
  • – Copyright Infringement
  • – Disclaimer of Warranties, Limitation of Liability
  • – Dispute Resolution by Binding Arbitration and Class Action Waiver
  • – Miscellaneous

Our Services

  1. The Website provides a range of Services, including applications, widgets, email notifications, and more, to help you access information and connect with third-party Service Providers like financial institutions, credit card providers, and insurance agents. We want to clarify that we do not endorse or recommend any specific products or services offered by these Service Providers, nor do we act as their agent or advisor. It is important to note that we do not verify the licensing or qualifications of these Service Providers. The Services offered are general in nature and may not take into account your specific financial situation. Your financial circumstances are unique, and the information on the Website may not be suitable for you. Therefore, we advise you to seek additional information and guidance from your accountant or other financial advisors who understand your individual needs before making any financial decisions.
    1. Requests for Quotes or Offers.  Our platform allows you to request to be connected with and receive quotes or offers from Service Providers by providing your name and contact information, such as your email address and telephone number (a “Match Request”).  By submitting a Match Request or sharing your contact details on the platform, you are explicitly giving consent to Service Providers, iAsset & FinteX Consulting LLC, and their representatives to contact you via telephone, fax, and email using the provided contact information, for the purpose of offering you the quotes, products, and services requested in your Match Request, as well as for marketing purposes.  You acknowledge that these communications may be sent to your mobile phone through automated telephone dialing systems, prerecorded calls, text messages, SMS, MMS, and picture messages, even if your number is listed on a corporate, state, or national Do Not Call registry. Additionally, you agree to receive marketing emails even if you had previously opted out of receiving such emails from iAsset & FinteX Consulting LLC or specific Service Providers.  You also give consent to Service Providers and iAsset & FinteX Consulting LLC to make automated or prerecorded calls or send text messages to your mobile number using automated technology regarding your Match Request, including reminders about deadlines or verification of your contact details. Your consent is not a prerequisite for making a purchase.  Apart from what is outlined in the Privacy Policy, you authorize Service Providers, their affiliates, and third-party service providers to conduct any necessary research using your information, including checking your credit history if deemed necessary, to fulfill your Match Request.
    1. Service Providers. It is entirely up to you to research Service Providers. You recognize and accept that Service Providers bear full responsibility for any services they offer you, and we hold no liability for any losses, costs, damages, or claims connected to, arising from, or related to your use of a Service Provider’s products or services. You alone are accountable for your financial choices, and we strongly recommend seeking advice from financial advisors, insurance agents, brokers, and other qualified professionals who are well-versed in your unique situation before making any financial or insurance decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors when selecting any products or services offered by Service Providers. Furthermore, you acknowledge and agree that we are not a Service Provider, financial institution, insurance provider, or credit card provider. Our role is limited to facilitating connections between you and Service Providers. We do not, and will not, make any coverage or credit decisions with any Service Provider referred to you. We do not issue mortgages, credit cards, insurance coverage, or any other financial products. We make no warranties or representations regarding the quotes, fees, terms, rates, coverage, or services offered or made available by Service Providers. We do not guarantee that the quotes, fees, terms, rates, coverage, or services offered by Service Providers are the best available. Additionally, we do not guarantee that you will be matched with a Service Provider. You acknowledge and agree that we are merely an intermediary between you and service providers, and we expressly disclaim liability for any content, products, or services provided by service providers. You release us from any and all losses, costs, damages, or claims connected to, arising from, or related to your use of a service provider’s products or services. 
    1. IMPORTANT NOTICE ABOUT CONSUMER REPORT PRACTICES: When you submit a match request, you give your consent for service providers to gather extra background details about you to fulfill your request. This could include ordering consumer and credit reports, as well as driving records, to help determine your eligibility for their products or services and the rates you might be charged. These reports might also be used for updates, renewals, or extensions of any insurance you acquire. Additionally, a provider might obtain and use a credit-based insurance score from your credit report. By submitting a match request, you acknowledge that you are granting written permission for our service providers to access your credit report and combine it with the information you provide to us.


  1. Your Access and Use of the Services

Upon downloading, accessing, or utilizing the Website, you confirm that you are either at least eighteen (18) years old or have reached the legal age of majority in your jurisdiction, whichever is greater. Additionally, you must be a resident of the United States of America and agree to the Terms outlined. The Website and its contents, along with the information provided, are solely intended for personal, non-commercial use by U.S. residents. It is essential to comply with all relevant federal, state, and local laws and regulations while using the Website, ensuring that any information submitted is true, accurate, current, and complete. Your usage of the Website must align with the terms of this Agreement, refraining from disrupting or intercepting electronic data on the Website or servers, or engaging in any commercial, illegal, or inappropriate activities. We retain the right to modify, restrict, or block access to any part of the Website at our discretion, without prior notice, for any reason.

The Content available on the Website, such as software, text, graphics, images, and videos, is protected by copyright laws and owned by us or our suppliers. You are not allowed to copy, distribute, or use the Content for commercial purposes without our permission. Additionally, you cannot collect personal information from our Services or use communication systems for solicitation without our consent.

By agreeing to these Terms, you are granted a limited license to access, print, download, or make personal use of the Content in the following forms: (i) one machine-readable copy; (ii) one backup copy; and (iii) one print copy, for non-commercial purposes. It is prohibited to modify the Content, use it for commercial purposes, publicly display, perform, sell, rent, decompile, reverse engineer, disassemble the Content, or transfer it to another person or entity. Any actions that violate the terms of this Agreement or Privacy Policy, hinder access to our Services, or involve defamation, abuse, harassment, or threats are not allowed and may result in the loss of access to our Services. Modifying, scraping, embedding, framing, spidering, deep linking, or using automated data gathering tools to access our Website or Services without prior written permission is also prohibited.


Our Intellectual Property Rights


Our trademarks and trade dress, including names, graphics, logos, page headers, button icons, scripts, and service names, are protected in the United States and other countries as our Proprietary Marks. Prior written permission is required to use these marks. We do not claim ownership of any third-party names, trademarks, or service marks on our Services, as they belong to their respective owners. You are accountable for any damages resulting from infringing on our or any third-party’s intellectual property rights related to the Proprietary Marks, and any other harm caused to us or our affiliates due to unauthorized use.
Your Account

Ensure the Accuracy of Your Information. To access specific Services, you may need to provide us with various details about yourself, such as personal identification, insurance, vehicle and home details, medical and health history, and financial information. By submitting your information, you are confirming that it is true, up-to-date, complete, and accurate, and that you are not misrepresenting yourself. You also agree to keep your information current and update it if there are any changes. Our handling of your information is subject to this Agreement and our Privacy Policy, which is included by reference.

Safeguard Any Password Provided to You. If our Services require you to set up a password for certain features, it is your responsibility to ensure the security of that password. You agree to promptly inform us of any unauthorized use of your password, any unauthorized activity on your account, any violation of this Agreement, or any security breaches related to any product or service offered on our platform by contacting us at: Legal@bffcorps.com.

User-Generated Content

You have the option to share information and express your thoughts through various platforms on the Website, such as blogs, messaging, chat rooms, bulletin boards, and other forums (“User-Generated Content”). By submitting any User-Generated Content to us or on the Website, you give IAsset & FinteX Consulting LLC a perpetual, irrevocable, royalty-free, worldwide, sub-licensable, and transferable license to use, modify, distribute, and reproduce such materials. You confirm that any User-Generated Content you provide complies with the law and does not infringe on any third-party rights. iAsset & FinteX Consulting LLC has the right to use any User-Generated Content without the obligation of confidentiality, attribution, or compensation to you. You are solely responsible for all your transmissions, submissions, or postings.

We and our advertisers are not responsible for the transmission of User-Generated Content, and we do not endorse or approve any User-Generated Content. You acknowledge that we do not control the quality, accuracy, or legality of User-Generated Content. If you are required to create a password to access certain parts of our Services, it is your responsibility to maintain its security. You agree to notify us immediately of any unauthorized use of your password or account, any violation of this Agreement, or any security breach.

Electronic Communications

When you access the Website, provide information, or send us an email, you are engaging in electronic communication with us. By doing so, you agree to receive electronic communications from us. While we may opt to communicate with you via postal mail, we may also choose to do so through email or by posting notifications on the Website. By clicking on buttons such as “SUBMIT”, “DOWNLOAD”, “I ACCEPT”, “GET QUOTES”, or any other similar links designated by iAsset & FinteX Consulting LLC to accept the terms of this Agreement, you are providing a legally binding electronic signature and entering into a legally binding contract. Your electronic submissions signify your agreement and intention to be bound by the Terms of Use. In accordance with relevant laws, including the United States Electronic Signatures in Global and National Commerce Act, P.L. 106-229 (the “E-Sign Act”), YOU CONSENT TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AS WELL AS ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED THROUGH THE WEBSITE OR SERVICES OFFERED BY ALL WEB LEADS. Additionally, you waive any rights or requirements under any laws in any jurisdiction that mandate an original signature or the delivery or retention of non-electronic records.


Third Party Links and Services

The Website may contain links or provide access to third-party websites, including links from advertisers, sponsors, content partners, business partners, affiliates, Service Providers, and other third parties. Our inclusion of such links and access does not imply our endorsement of those third parties, their products, or services. We are not liable for the actions or policies of those third parties. We cannot assure that the terms or rates offered by any specific advertiser, business partner, affiliate, Service Provider, or other third party on or through the Website are the most favorable terms or lowest rates available.


Copyright Infringement


If you suspect that iAsset & FinteX Consulting LLC has violated your copyright or other intellectual property rights, you can ask us to remove the materials in question by providing the following details:

2. A signature, either electronic or physical, from the person authorized to act on behalf of the copyright or intellectual property owner;

3. A description of the copyrighted work or intellectual property that has been infringed;

4. Details of where the infringing material is located on the website, including specific URLs;

5. Your address, telephone number, and email address;

6. A statement confirming that you believe the disputed use is not authorized by the copyright owner, its agent, or the law;

7. A statement, made under penalty of perjury, that the information provided is accurate and that you are the copyright or intellectual property owner, or are authorized to act on their behalf.

Designated Agent. Notice of copyright or intellectual property infringement claims can be sent via email to Legal@bffcorps.com or by standard mail to 6930 Little River Turnpike, Ste B, Attention Legal Department.


DISCLAIMER OF WARRANTIES, LIMITATION OF LIABILITY


The content and all services are provided to you on an “as-is” and “as available” basis. We make no representations or warranties of any kind that extend beyond the description on the face of the website. The website and services are offered “as is.” Without limiting the foregoing, we do not make, and expressly disclaim, any representations, warranties or guarantees regarding the accuracy, correctness, or completeness of the content or the services. We make no representation, warranty or guarantee that the website is free from any viruses, worms, trojan horses, trap doors, back doors, easter eggs, time bombs, cancelbots or other code or computer programming routines that contain contaminating or destructive properties or that are intended to damage, detrimentally interfere with, surreptitiously intercept or expropriate any system, data or personal information. We do not make any representations, warranties or guarantees, express or implied, regarding any quotes or offers provided by service providers, and any implied warranty is disclaimed. You expressly agree that your use of the website and the services is at your sole risk.

We shall not be responsible to, or liable to, you, or any third party, whether in contract, warranty, tort (including negligence) or otherwise, for any damages, including, but not limited to, special, incidental, indirect or consequential damages that include, but are not limited to, damages for any loss of profit, revenue or business, as a direct or indirect result of: (i) your breach or violation of the terms and conditions of this agreement; (ii) your access and use of the website and services; (iii) your delay in accessing or inability to access or use our services for any reason; (iv) your downloading of any of the content or the collective work for your use; (v) the actions or inaction of service providers. Regardless of any conflicting provisions, this Disclaimer of Warranties and Limitation of Liability is not valid in New Jersey. Your usage of our Services might experience interruptions occasionally due to various reasons, such as equipment malfunctions, routine updates, maintenance, or repairs of our Services, or other actions that we, at our own discretion, decide to undertake. We retain the authority to temporarily halt or cease the availability of our Services, as well as any section or feature of our Services, at any time without prior notice.


DISPUTE RESOLUTION BY BINDING ARBITRATION AND CLASS ACTION WAIVER


All disputes related to your use of the Website, Services, products, or services offered through the Website, as well as any communications from Service Providers, shall be resolved through confidential arbitration, governed by the laws of the State of Texas, and subject to the Federal Arbitration Act. Any questions regarding the validity of this Arbitration Agreement will also be decided through confidential arbitration. This includes claims arising under the Telephone Consumer Protection Act and state telemarketing and email marketing laws.


In case of a Dispute arising under this Agreement, you are required to initially contact us at: legal@bffcorps.com. Prior to formally submitting a Dispute to arbitration, both parties may opt to resolve the Dispute informally. If any Dispute cannot be resolved informally, it is agreed that any and all Disputes, including the validity of this arbitration clause and class action waiver, shall be referred to final and binding arbitration before a single arbitrator of the American Arbitration Association (“AAA”) in a location convenient to you or telephonically. Either party may initiate the arbitration process by submitting a written demand for arbitration with the AAA, and providing a copy to the other party. All filing costs will be covered by us. The arbitration will be conducted in accordance with the provisions of the AAA’s Commercial Dispute Resolutions Procedures, Supplementary Procedures for Consumer-Related Disputes, in effect at the time of submission of the demand for arbitration. The AAA’s rules are available at www.adr.org. A form for initiating arbitration proceedings is available on the AAA’s site at http://www.adr.org. Except as may be required by law as determined by the arbitrator, no party or arbitrator may disclose the existence, content or results of any arbitration hereunder without the prior written consent of both parties. Without limiting the foregoing, you expressly agree to submit to arbitration all disputes relating to any text messages or telephone calls you receive from or on behalf of us or any entity with whom we may share your telephone number (including services providers). Furthermore, we both agree that all entities with whom we share your telephone numbers, including Service Providers, shall be third party beneficiaries of this Dispute Resolution by Binding Arbitration and Class Action Waiver, and that those entities have the same rights as iAsset & FinteX Consulting LLC to enforce this arbitration provision.

However, the following matters are not eligible for arbitration and can only be resolved in the state and federal courts of Texas: (i) disputes regarding the validity of our intellectual property rights and proprietary rights, including patents, trademarks, copyrights, or trade secrets; (ii) requests for temporary or preliminary injunctive relief; (iii) legal actions against non-consumers; and (iv) interactions with governmental and regulatory authorities. You also agree not to bring or join any claims in a representative or class-wide capacity, including class actions or class-wide arbitration.

The arbitrator’s decision is final and can be enforced as a judgment in any court. No arbitration under this Agreement can be combined with arbitration involving another party to this Agreement, whether through a class action, private attorney general proceeding, class arbitration proceedings, or otherwise. If any part of this arbitration agreement is deemed invalid or unenforceable, the other parts still apply; however, if the class action waiver is found invalid or unenforceable, the entire arbitration agreement becomes null and void.

You acknowledge that you could have pursued litigation in a court, with a judge or jury deciding your case, and participating in a class or representative action. Nevertheless, you agree to resolve any claims individually and exclusively through arbitration. You have a period of thirty (30) days from the initial visit to the Website or submission of information through the Website to decline this arbitration agreement. To opt out, please contact us via email at: legal@bffcorps.com or by mail at: 6930 Little River Turnpike, Annandale VA 22003, Attention: Legal Department.

Failure to opt out by the initial visit to the Website or submission of information means you are not eligible to decline this arbitration agreement.

Miscellaneous

In case any part of this Agreement is found to be unlawful, void, or unenforceable by an arbitrator or court of competent jurisdiction, the Agreement as a whole will not be affected. Only the specific portion that is unlawful, void, or unenforceable will be removed. The headings in this Agreement are for reference only and do not limit or affect the interpretation of the Agreement. All commitments, agreements, representations, and warranties made in this Agreement will remain valid even after acceptance and termination of the Agreement. This Agreement and the Privacy Policy constitute the entire understanding and agreement between you and us, replacing all previous agreements and representations.

If you have any questions or feedbacks about this Agreement or our Services, please contact us at: legal@bffcorps.com.