1. General provisions
1.1. Our website Terms of Use (“Terms of Use”) govern your access to and use of the website and
insurance quote engine operated by VALUE MAIL LLC, with registered address: our website and located at
Centerville Road, New Castle County, Wilmington, Delaware Registration No. 202986620 gives us your
consent that you have read, understood, and agree to these Terms of Use. You can email us to
communicate with us at: [email protected]. In the event of disagreement with any of the terms
and provisions hereof, you must stop using the Website and opt out by closing the Website.
1.2. Unless you are an insurance broker, insurance agent or any other insurance professional, or wish to
become our partner, our website does not charge you a website fee.
1.3. We declare that our website is free to use. However, our partners may pay our website fees for
services and to be matched and connected with website users. our website is not involved in, and is not
responsible for, any fee arrangements or relationships you may enter into with any of our Partners. You
acknowledge and agree to this compensation agreement. Except where prohibited by law, our website
shall not be liable for any loss, cost, damage or claim related to the use of a Partner’s products or
services, including any fees charged by Partners.
1.4. Please note that our website does not provide any insurance services to the User. We carry out
commercial activities as Advertising Agencies, in accordance with NAICS Code 541810.
2. Main functionality
2.1. With the help of our website, you can submit a request regarding estimates, quotes on the
below-mentioned types of insurance provided by our partners: insurance companies, agents, brokers, etc.:
2.1.1. LIFE INSURANCE;
2.1.2. HEALTH INSURANCE;
2.1.3. STATE HEALTH INSURANCE;
2.1.4. CAR INSURANCE;
2.1.5. HOME INSURANCE.
We show your potential options, then you dig further into potential partners. And because we do not
guarantee the price or product information displayed on our site, we always recommend the use or
assistance of a licensed agent or other insurance to help guide you in your application.
2.2. To complete your request, we may ask you to provide us with specific categories of data based on the
type of insurance you would like to choose by completing the type forms or by choosing the option
offered.
23. By providing us with your details, you explicitly agree to be contacted by selected partners: insurance
companies listed here, their agents, individual insurance agents and/or underwriting for marketing
purposes relating to insurance and/or other financial products by phone/text to my number provided in the
appropriate field (including by auto dialer, pre-recorded message and/or artificial voice), even if my number
is on a do not call list, or by email to the email address provided by the User.
2.4. To submit a request for a quote on LIFE INSURANCE, the User must provide us with such categories
of data: details whether or not you currently have LIFE INSURANCE, gender, details whether you have used
Tobacco Products in the last 12 months, family status, details about having children, date of birth, reason
for seeking life insurance, biometrics (height, weight), details about medical conditions, employment
status, zip code, first and last name, phone number, and email address .
2.5. To submit a request for a quote on HEALTH INSURANCE, the User must provide us with the following
categories of data: Which benefits are most important to you when applying for HEALTH INSURANCE,
details if you are currently enrolled in Medicare Parts A or B, details if you want to include your spouse in
your health insurance plan, the sex of your spouse, the age of your spouse, the age of your children,
details about whether your spouse has used tobacco products in the last 12 months, details about if your
child has used tobacco products in the past 12 months, details of total annual household income, email
address and phone number;
2.6. To submit a request for a MEDICARE quote, the User must provide us with these categories of data:
details about whether you are currently enrolled in Medicare Parts A or B, date of birth, details of the time
period in which you would like to receive coverage, details about benefits are most important to you,
gender, details about whether you have used tobacco products in the last 12 months, your spouse’s age,
your spouse’s gender, details about whether your spouse has used tobacco products in the last 12
months, last 12 months, zip code, details on total annual household income, email and phone number, first
and last name.
2.7. To send a request for a MEDICARE quote, the User must provide us with the following categories of
data: What type of policy are you looking for: owner or renter; details about whether you currently have
home insurance, details about who your current insurance company is, details about the type of property
you own, details about how the property is used, address of the property, year of construction, details of
square footage, details of home insurance claims in the last 3 years, credit score, mortgage details,
amount of coverage,
2.8. To submit a request for a quote on AUTO INSURANCE, the User must provide us with such categories
of data: first name, last name, date of birth, telephone number, email address, residence address, driving
experience, annual mileage, credit score, at-fault accident details, family status, gender, home ownership
details, insurance status, vehicle year, make and model.
2.9. You understand and agree that by submitting your request to match with our Partners on our website
and Partners’ websites, you authorize our website under the Fair Credit Reporting Act (FCRA) to obtain
your Security Number Full social, credit and credit report. score from a credit reporting agency to verify
your identity and match you with lenders or partners. You understand and agree that you are also
providing written instructions under the FCRA for these Matching Partners to obtain your credit report,
credit score and other information from one or more credit reporting agencies to verify your identity and
provide you with pre-qualified quotes. . By submitting a Financial Services Request, you agree to allow us
to transfer this information, including your social security number, in connection with your Financial
Services Request to applicable Partners, whether or not you have specifically selected such Partner. In
addition, you expressly authorize any Partner with whom you are matched to share among its affiliates,
loan servicers and banking partners any transaction history related to your financial products or services
received or serviced through such Partner for the limited purpose of evaluating your credit.
2.10. Please note that our website is not a licensed insurance company, and in any case, our website will
in no way be responsible for the quality of Partner services, nor will it be responsible for the availability of
Partners or their offers, quotes, including for any product or service you may obtain by contacting any of
them as a result of your use of our website or the features on it.
2.11. You agree that our website is not responsible for advice provided by Partners or third parties. You
agree that you are responsible for your own financial research and financial decisions, and that our
website is not responsible for any decisions or actions you make or authorize third parties to take on your
behalf based on information you receive as a user of our site. Web
2.12. By using the Services, you agree that our website may collect, store and transfer such information on
your behalf and only at your request. More information is available in our Privacy Policy. You agree that
your decision to make available any sensitive or confidential information is your sole responsibility and at
your own risk. Our website has no control and is not responsible for the use or disclosure of the
information provided to third parties. You agree that these third-party services are not under the control of
our website, and that our website is not responsible for any third-party use of your information.
2.13. The Website may contain links to third party websites and services. Our website provides such links
as a convenience and does not control or endorse these websites and services. You acknowledge and
agree that our website has not reviewed the content, advertising, products, services, or other materials
appearing on such third-party websites or services, and is not responsible for the legality, accuracy, or
appropriateness of such content. . and shall not be liable, directly or indirectly, for any damage or loss
caused or alleged to be caused by or in connection with the use of such third party websites or services.
3. User Representation and Warranties
3.1. You realize that if you provide our website with wrong or incorrect details, it may affect the value of
the website to you.
3.2. You confirm and assure us that you:
3.2.1. have the power, authority, and legal age to enter into these Terms of Use;
3.2.2. You agree not to pretend that you are, or represent, another person, or impersonate any other
person or entity;
3.2.3. fully informed and aware that our website does not necessarily guarantee that the quotes, rates,
terms, rates, coverage or services offered by Partners are the best available. our website does not
necessarily validate or investigate the license, certification or other requirements and qualifications of
Associates;
3.2.4. account and agree that we are not responsible for the availability of products for which we provide
estimates or quotes.
3.3. You warrant that:
3.3.1. the information and details you provide to us will be accurate, current, true, consistent and
complete. Vice Versa can lead to incorrect application formation.
3.3.2. You are at least 13 years of age, as the Website is not designed or intended for use by anyone under
the age of 13, and we do not knowingly collect personal information from children through our Website. If
you are 13 or older but under 18, you should review these Terms of Use with your parent or guardian to
ensure that you and your parent or guardian understand and agree to it on your behalf.
4. Intellectual property
4.1. The Website contains material, such as text, graphics, images and other material provided by us or on
our behalf, and through your use of the Website, additional information will be provided to you from us.
4.2. These materials and information are collectively referred to herein as the “Content”. The Content is
owned by our website and/or our licensors and may be protected by copyright laws and treaties in the
United States and other countries.
4.3. The Content includes, but is not limited to, the trademarks, service marks and logos used and
displayed on the Website, which are registered and unregistered trademarks or service marks of us or our
licensors. In addition, the organization and design of the website are the property of VALUE MAIL LLC and
are protected throughout the world by copyright laws and treaty provisions.
4.4. We reserve all rights to the Website and related content. If you submit comments, suggestions,
ratings or other feedback about the Website or your experience, you agree that we will be free to use such
feedback for any purpose and without restriction or obligation to you.
4.5. Permission is granted to you to use the information provided to you on or through the Website solely
for your personal, non-commercial use, provided nothing of the content is modified and legal legends are
preserved.
4.6. You may not “mirror” any content contained on this website without our express prior written consent.
Except as otherwise stated in this document, none of the content may be used, copied, reproduced,
distributed, posted, displayed, downloaded, or transmitted in any form or by any means without our prior
written permission.
4.7. Nothing in these Terms of Use shall be construed as granting any license or right to any trademark or
other intellectual property right of our website or any other party. our website and the stylized design of
our website logo are registered trademarks of VALUE MAIL LLC. All other trademarks, trade names, service
marks, and logos displayed on the Website are the property of VALUE MAIL LLC, licensed by VALUE MAIL
LLC, or owned by third parties.
4.8. You must not display, link to, use as a meta tag or otherwise use any of the trademarks, trade names,
service marks and logos displayed throughout the Website without the prior written consent of the
trademark owner trade name, trade name, service mark, and logo.
4.9. The Digital Millennium Copyright Act of 1998 (the “DMCA”) provides a remedy for copyright owners
who believe that material appearing on the Internet infringes their rights under US copyright law.
Copyright. If you believe in good faith that materials available on the Website infringe your copyright, you
(or your agent) may send us a notice requesting that we remove the material or block access to it. If you
believe in good faith that someone has mistakenly filed a copyright infringement notice against you, the
DMCA allows you to submit a counter-notification to us. Notices and counter-notifications must comply
with the then-current legal requirements imposed by the DMCA. See http://www.copyright.gov/ for more
details. Notifications and counter-notifications should be sent to: [email protected]
4.10. We suggest that you consult your legal counsel before filing a notification or counter-notification.
5. Restrictions on the use of the Website
5.1. You are not allowed:
5.1.1. rent, lease, loan, sell, redistribute, reproduce or sublicense the Website.
5.1.2. threaten, harass, abuse, impersonate, injure, or intimidate others; interfere with the use of this
website by others, unless such interference is for the purpose of complying with another section of these
Terms of Use;
5.1.3. copy, decompile, reverse engineer, disassemble, attempt to derive the source code of, modify or
create derivative works of the Website, or any part thereof;
5.1.4. perform or support illegal activities of any kind;
5.1.5. transmit or store worms or viruses or any code of a destructive nature;
5.1.6. hide the origin of any content transmitted through this website or manipulate your presence on the
website; and/or cause any automated system that accesses this Website to be launched in a manner that
sends more request messages to the Website’s servers in a given period of time than a human being can
reasonably produce in the same period. by using a conventional system. online web browser;
5.1.7. send spam or collect information to send spam, or send unsolicited email advertisements;
decompile, disassemble, reverse engineer or attempt to discover any source code contained on this
website;
5.2. If for any reason these restrictions are prohibited by applicable law or by an agreement we have with
one of our licensors, then Activities will be permitted only to the extent necessary to comply with such law
or license(s).
5.3. You may not exploit or interfere with the Website in any unauthorized or unlawful manner, including,
without limitation, bypassing or overloading network infrastructure or capacity.
5.4. These and other violations of the intellectual property rights of our website may result in your liability
for actual damages and loss of income for our website and the profits you make from this
misappropriation or, alternatively, legal damages for work breached, plus all costs. and attorney fees.
5.5. Unauthorized use, reproduction, creation of derivative works, transmission, display or distribution of
these images or videos is strictly prohibited.
5.6. We reserve the right to pursue all legal and equitable remedies against unauthorized uses.
6. Limitations of Availability and Liability, Disclaimers and Indemnification
6.1. You realize that the Website or some aspects of it may not be available in all languages or in all
countries.
6.2. We do not guarantee that the Website is available or permitted in any particular location.
6.3. Use of the website is void where prohibited.
6.4. You use the Website at your own initiative and are responsible for compliance with applicable laws.
We may also impose limits on the use of or access to the Website as required by law.
6.5. Our website is not an insurer. Any insurance offered to you is provided by one of the Partners listed
here: our website, and not our website
6.6. our website does not necessarily guarantee that the quotes, rates, terms, fees, coverage or services
offered by Partners are the best available. our website does not necessarily validate or investigate the
license, certification or other requirements and qualifications of Associates.
6.7. The terms and conditions of any insurance products offered to you are provided by Partners based on
your underwriting and may vary based on a number of factors solely as determined by the insurers.
6.8. It is your responsibility to investigate the partners. You acknowledge and agree that Partners are
solely responsible for any products or services they may offer or provide to you and that our website shall
not be liable for any loss, cost, damage or claim in connection with your use of the products or services of
a Partner. our website always recommends seeking the advice of qualified financial advisers, insurance
agents, brokers or other professionals who are fully aware of your individual circumstances before making
any insurance decisions.
6.9. We do not provide advice or endorse insurance or partner products that appear on our website or
other communication channels. As a result, it is at your sole discretion to purchase a policy based on a
quote you obtain through our website and to ensure that the policy you are interested in meets your
specific needs.
6.10. The quotes we provide you are provided to us by Partners. Therefore, our website cannot guarantee
their accuracy and whether they are the most current quotes available.
6.11. Quotes do not constitute bookable rates, as the actual bookable rate requires additional information
from you and may vary from the quotes provided. We do not guarantee that the insurance offered by
Members on our Website or other forms of communication includes the best terms or lowest rates
available in the market.
6.12. YOU ACKNOWLEDGE AND AGREE THAT THE SITE, SERVICES AND ALL CONTENT ARE PROVIDED
ON AN “AS IS”, “AS AVAILABLE” BASIS, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR
IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF TITLE, NON-INFRINGEMENT ,
MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. 6.13. WE WILL NOT BE LIABLE FOR ANY
DAMAGE TO OR VIRUSES THAT MAY INFECT YOUR COMPUTER EQUIPMENT OR OTHER PROPERTY
RESULTING FROM YOUR ACCESS TO OR USE OF THE SITE, THE SERVICES OR ANY CONTENT.
6.14. MANY INSURANCE PRODUCTS LISTED ON OR SOLD THROUGH THE SITE ARE THIRD PARTY
PRODUCTS AND ARE NOT OUR PRODUCTS. WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH
RESPECT TO SUCH PRODUCTS, AND WE DO NOT ACCEPT ANY LIABILITY IN CONNECTION WITH SUCH
PRODUCTS. ALL SUCH PRODUCTS ARE PROVIDED TO YOU PURSUANT TO THE TERMS AND CONDITIONS
OF THE INSURANCE COMPANY PROVIDING SUCH PRODUCTS.
6.15. IN NO EVENT SHALL WE BE LIABLE FOR DIRECT, SPECIAL, INDIRECT, PUNITIVE, EXEMPLARY OR
CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, REVENUE OR SAVINGS, EVEN IF WE HAVE BEEN
ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE.
6.16. BECAUSE SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY
FOR NEGLIGENCE, CONSEQUENTIAL, INCIDENTAL OR OTHER DAMAGES, IN SUCH JURISDICTIONS OUR
LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. YOUR SOLE AND
EXCLUSIVE REMEDY FOR DISSATISFACTION WITH THIS SITE, ANY SERVICE OR ANY CONTENT IS TO
STOP USING THE SITE.
6.17. You agree that:
6.17.1. you will be personally responsible for your use of the website, and you agree to defend, indemnify
and hold harmless our website from and against any and all claims, liabilities, damages, losses and
expenses (including attorney and accounting fees and costs), which arising out of or in any way related to
your access, use or alleged use of the Services;
6.17.2. your violation of the Terms of Use or any applicable law or regulation;
6.17.3. your violation of any third-party right, including without limitation any intellectual property right,
publicity, confidentiality, property, or privacy right; either
6.17.4. any dispute or problem between you and any third party. our website reserves the right, at our
expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification
by you and, in such event, you agree to cooperate with our defense of any such claim.
7. Modifications
7.1.our website reserves the right to modify or discontinue, temporarily or permanently, part or all of the
functionality of the website at any time without further notice or obligation to you.
7.2. Therefore, you consent that our website shall not be liable to you or to any third party for any
modification, suspension or discontinuance of any of the Websites.
8. US Government Restricted Rights
8.1. We warn you that the content of this Website is provided with “Restricted Rights”.
8.2. Any use, duplication, or disclosure by the United States Government is subject to restrictions set forth
in applicable laws and regulations.
9. Notice to California Residents.
9.1. Pursuant to California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of
the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N.
Market Blvd., Suite S-202, Sacramento , California 95834, or by phone. at (800) 952-5210 to resolve a
service complaint.
10. Applicable Law and Choice of Forum
10.1. These Terms of Use are governed by the laws of the State of California, without regard to its
principles of conflicts of laws. Pursuant to Section 10 hereof, which provides that disputes shall be
resolved by binding arbitration or small claims court, to the extent any lawsuit or proceeding is permitted
hereunder, the User and our Website agree to submit to the exclusive personal jurisdiction of the state
courts and the federal courts located in Los Angeles County, California for the purpose of litigating all
such disputes.
10.2. In the interest of resolving disputes between you and our website in the most convenient and
cost-effective manner, you and our website agree to resolve disputes through binding arbitration or small
claims court instead of courts of general jurisdiction (“Agreement to Arbitrate “).
10.3. Arbitration is more informal than a lawsuit in court. Arbitration uses a neutral arbitrator rather than a
judge or jury, allows for more limited discovery than in court, and is subject to very limited review by
courts. Arbitrators can award the same damages that a court can award. Any arbitration under these
Terms of Use will take place on an individual basis; Class arbitrations and class actions are not permitted.
You acknowledge and agree that the arbitrator may award relief (including monetary, injunctive, and
declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to
provide the relief required by the claim(s). ) of that individual part. Any relief granted cannot affect other
users.
10.4. YOU UNDERSTAND THAT BY ENTERING INTO THIS AGREEMENT, YOU AND our website ARE
WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.
10.5. You and our website agree to arbitrate all disputes and claims between us. This arbitration
agreement is intended to be broadly construed. Includes, but is not limited to: claims arising out of or
relating to any aspect of the relationship between us, whether based on contract, tort, statute, fraud,
misrepresentation, or any other legal theory; claims that arose before this or any prior Terms of Use.
Claims that are currently the subject of purported class action litigation where you are not a member of a
certified class; and claims that may arise after the termination of these Terms of Use.
10.6. Notwithstanding Section 10, you and our website agree that nothing contained herein shall be
construed as a waiver, exclusion, or limitation of either party’s right to:
10.6.1. bring an individual action in small claims court;
10.6.2. enforcement actions through appropriate federal, state, or local agencies where such actions are
available;
10.6.3. seek injunctive relief in any competent court of law; either
10.6.4. to file a lawsuit in a court of law to address claims of intellectual property infringement.
10.7. Any arbitration between you and our website will be governed by the Commercial Dispute Resolution
Procedures and Supplementary Procedures for Consumer-Related Disputes (collectively, the “AAA Rules”)
of the American Arbitration Association (“AAA”), as modified by these Terms, and will be administered by
the AAA. The AAA Rules and filing forms are available online at www.adr.org, by calling the AAA at
1-800-778-7879, or by contacting our website.
10.8. A party intending to request arbitration must first send the other party, by certified mail, a written
Notice of Dispute (“Notice”). Notice to our website should be addressed to: 09 E 17th st, ste 450,
Cheyenne, WY, 82001 (“Notice Address”).
10.9. The notice must:
10.9.1. describe the nature and basis of the claim or dispute; and
10.9.2. sets forth the specific relief sought (“Demand”). If the User and our website do not reach an
agreement to resolve the claim within 30 days of receipt of the Notice, the User or our website may initiate
an arbitration proceeding.
10.10. In the event arbitration is commenced in accordance with these Terms, our website will, at your
request, reimburse your payment of the arbitration filing fee, unless your claim is for more than $10,000, in
which case payment of any fees will be decided by the AAA Rules. Any request for payment of fees by our
website must be mailed to the AAA along with your Demand for Arbitration and our website will arrange to
pay all necessary fees directly to the AAA. In the event the arbitrator determines that the claims you bring
in arbitration are frivolous or brought for an improper purpose (as measured by the standards set forth in
Federal Rule of Civil Procedure 11(b)), you agree to reimburse our website for all fees associated with the
arbitration paid by our website on your behalf that you would otherwise be required to pay under the AAA
rules.
10.11. If your claim is for $10,000 or less, you may choose whether the arbitration will be conducted solely
on the basis of documents submitted to the arbitrator, through a non-appearance telephone hearing, or
through an in-person hearing as established by the AAA. rules. All in-person arbitration hearings will be
held at a location to be agreed upon in Los Angeles County, California. Regardless of the manner in which
the arbitration is conducted, the arbitrator shall issue a reasoned written decision sufficient to explain the
essential findings and conclusions on which the decision and award, if any, are based. The arbitrator may
enter awards and resolve disputes over payment and reimbursement of fees or expenses at any time
during the proceeding and upon request by either party within 14 days of the arbitrator’s decision on the
merits.
10.12. Unless you and our website agree otherwise, the arbitrator may not consolidate the claims of more
than one person and may not preside over any form of representative or class proceeding.
11. Miscellaneous
11.1. The invalidity or unenforceability of any provision of these Terms of Use will not affect the validity of
these Terms of Use as a whole and such provision will be applied and reconstructed, if necessary, in a
manner that best represents the intent of these Terms of Use. Use, to apply to the maximum extent
permitted by applicable law.
11.2. These Terms of Use may not be modified, supplemented, qualified, or construed by any prior trade
usage or course of trade not made a part of the Terms of Use by its express terms. The failure of either
party at any time to enforce any provision of these Terms of Use, exercise any election or option provided
herein, or fail at any time to require the other party’s compliance with any of the provisions hereof shall in
no way be construed as a waiver of such provisions. Any claim or dispute between us must be brought
within one (1) year after the cause of action arises, or such claim or cause of action will be time-barred.
Reasonable attorneys’ fees and costs will be awarded to the prevailing party in any dispute relating to the
application or interpretation of these Terms of Use. The section headings used in this document are for
convenience only and shall not be given any legal significance.
12. Communications with you about your insurance needs
12.1. When you visit our website or send us an email, you are communicating with us electronically. our
website may choose to communicate with you by regular mail, we may also choose to communicate with
you by email or by posting notices on the website. Therefore, you agree that all agreements, notices,
disclosures and other communications that we provide to you electronically satisfy any legal requirement
that such communications be in writing.
12.2. By providing your email address, phone number, or both on our website, you authorize us and our
partners to call, email, or text you about:
12.2.1. Your insurance needs or quote requests,
12.2.2. Any matter related to our services, and/or
12.2.3. To provide information or offers that may be of interest to you, including a response to quotes you
have requested from us or our associated insurance providers.
12.3. our website and its Partners may contact you at any telephone number, mobile or otherwise, that you
provide to us.
12.4. Your consent allows us to use artificial or pre-recorded voice messages and automated dialing
system (ATDS) technology to communicate with you. Rates may apply for messages and data. You also
understand that your consent is not a condition of purchasing our website directly.
12.5. We agree that you may withdraw your consent to be contacted by contacting us