Terms & Conditions

IMPORTANT: THESE TERMS & CONDITIONS CONTAIN A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER. EXCEPT AS OTHERWISE PROVIDED BELOW OR PROHIBITED BY APPLICABLE LAW, YOU AGREE THAT DISPUTES BETWEEN YOU AND US WILL BE RESOLVED THROUGH INDIVIDUAL BINDING ARBITRATION RATHER THAN IN COURT, AND YOU WAIVE YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION OR CLASS-WIDE PROCEEDING.

These Terms & Conditions (“Terms”) govern your access to and use of insurerush.com and any websites, webpages, forms, applications, or services operated by or on behalf of Insure Rush (“Insure Rush,” “we,” “us,” or “our”) that display or reference these Terms (collectively, the “Site”).

By accessing, browsing, submitting information through, or otherwise using the Site, you acknowledge that you have read, understand, and agree to these Terms and our Privacy Policy.

If you do not agree to these Terms, you should not use the Site or submit information through the Site.

1. About Insure Rush

Insure Rush operates an online insurance shopping and referral service designed to help consumers connect with insurance carriers, licensed insurance agents, insurance agencies, insurance marketplaces, and other insurance-related service providers (“Insurance Partners”).

Insure Rush is not an insurance carrier and does not itself issue insurance policies.

Unless expressly stated otherwise, Insure Rush does not underwrite insurance, determine your eligibility for insurance, establish premiums, bind insurance coverage, make coverage decisions, or guarantee that you will receive an insurance quote, policy, particular rate, or amount of savings.

Insurance products and services presented or made available after using Insure Rush are provided by independent third parties and remain the sole responsibility of those third parties.

2. Insurance Quotes and Services

Information presented on the Site is intended to help consumers explore insurance options.

Submitting information through Insure Rush does not constitute an application for insurance, acceptance of an insurance application, offer of insurance, binder of coverage, or guarantee that any Insurance Partner will provide you with a quote or policy.

Any insurance quote, premium, coverage, discount, policy, eligibility determination, or other insurance product offered to you is determined solely by the applicable Insurance Partner.

Your actual rates and available coverage may vary based on numerous factors, including your location, age, driving history, insurance history, vehicle, property, coverage limits, deductibles, credit-based insurance information where permitted by law, and other underwriting factors.

3. No Guarantee of Savings

Insure Rush does not guarantee that using the Site will result in a lower insurance premium or any particular amount of savings.

Any examples of rates, premiums, discounts, or potential savings displayed in advertising or on the Site are illustrative unless expressly stated otherwise.

Actual rates and savings vary by consumer and Insurance Partner.

4. Eligibility and Site Restrictions

You must be at least 18 years old to use the Site or submit information through Insure Rush.

By using the Site, you represent that:

• You are at least 18 years old;
• The information you provide is accurate and complete to the best of your knowledge;
• You are authorized to provide the information submitted;
• You will not use the Site for fraudulent, unlawful, abusive, or deceptive purposes; and
• You will comply with applicable federal, state, and local laws.

You may not interfere with the operation or security of the Site, attempt unauthorized access to the Site or related systems, use automated systems to scrape or extract information without authorization, impersonate another person, or submit false or fraudulent information.

5. Information You Submit

When you submit information through Insure Rush, you authorize us to use that information to provide the services you request, including attempting to match or connect you with Insurance Partners.

Submission of your information does not guarantee that an Insurance Partner will be available or willing to provide you with insurance products or services.

We may decline, reject, suspend, or discontinue a request where we reasonably believe the information provided is incomplete, inaccurate, fraudulent, abusive, or otherwise inconsistent with these Terms or applicable law.

6. Third-Party Insurance Partners

Insurance Partners accessible through Insure Rush are independent third parties.

Insure Rush does not control and is not responsible for an Insurance Partner's underwriting criteria, pricing, coverage decisions, customer service, policy terms, claims handling, communications, websites, privacy practices, or other business practices.

If you purchase or obtain an insurance product from an Insurance Partner, the insurance contract is between you and that provider.

You should carefully review all policy documents, disclosures, exclusions, deductibles, coverage limitations, and other terms supplied by the Insurance Partner before purchasing coverage.

7. Compensation

Insure Rush may receive compensation from Insurance Partners, advertisers, agencies, marketplaces, or other third parties when consumers interact with the Site, submit information, request quotes, are connected with a partner, purchase insurance, or take other qualifying actions.

Such compensation may vary by partner and transaction.

You acknowledge that Insure Rush may receive such compensation regardless of whether it is directly related to your eventual purchase of an insurance product.

8. Telephone and Text Message Consent

Where you provide your telephone number and give the applicable consent through the Site, you authorize the communications specifically described in the consent disclosure presented to you when your information is submitted.

Depending on the consent you provide, these communications may include telephone calls, text messages, SMS messages, artificial or prerecorded voice messages, and/or communications made using automated technology from Insure Rush and/or the Insurance Partners or Marketing Partners identified or made available to you in connection with your request.

Consent to receive marketing calls or text messages is not a condition of purchasing any goods or services.

Message and data rates may apply. Message frequency may vary.

You may opt out of Insure Rush text messages by replying STOP to a message. Where supported, you may reply HELP for assistance.

If you receive communications directly from an Insurance Partner or Marketing Partner, you may need to communicate your opt-out request directly to that company.

Your use of the Site and communications associated with your request remain subject to applicable federal and state laws, including the Telephone Consumer Protection Act (“TCPA”).

9. Email Communications

By providing your email address and providing any consent required by applicable law, you authorize Insure Rush and, where expressly disclosed and authorized, applicable Insurance Partners or Marketing Partners to send you communications concerning insurance quotes, insurance products, follow-up information, promotional offers, and related products and services.

You may unsubscribe from Insure Rush marketing emails at any time by using the unsubscribe mechanism included in our emails or contacting us.

Unsubscribing from Insure Rush does not necessarily unsubscribe you from communications independently sent by an Insurance Partner or Marketing Partner. You should use the unsubscribe mechanism provided by that company.

10. Electronic Communications and E-Consent

When you consent to conduct transactions electronically, you agree that disclosures, notices, agreements, records, and other communications may be provided electronically.

Electronic communications may be delivered through the Site, email, text message, or an Insurance Partner's website or electronic systems.

You are responsible for maintaining the hardware, software, Internet access, email account, and other technology reasonably necessary to access electronic communications.

Your electronic acceptance, including clicking a button or checkbox indicating agreement, may constitute your electronic signature and have the same legal effect as a handwritten signature where permitted by applicable law.

11. Privacy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

The Privacy Policy explains how we collect, use, disclose, and protect information provided through Insure Rush and describes applicable privacy rights.

12. Intellectual Property

All Site content, including Insure Rush's name, logos, trademarks, graphics, designs, software, text, images, interfaces, databases, and other materials, is owned by Insure Rush, its licensors, or other applicable rights holders and is protected by applicable intellectual-property laws.

Insure Rush grants you a limited, revocable, non-exclusive, non-transferable license to access and use the Site solely for your personal and non-commercial use.

Except as expressly authorized, you may not copy, reproduce, distribute, modify, publish, transmit, display, sell, license, create derivative works from, or commercially exploit Site content without prior written permission.

13. Third-Party Websites and Content

The Site may contain links to or integrations with websites, advertisements, services, or content operated by third parties.

Insure Rush does not control these third parties and is not responsible for their content, availability, security, products, services, terms, or privacy practices.

A link or connection to a third-party website does not necessarily constitute Insure Rush's endorsement of that company, website, product, or service.

You access third-party websites and services at your own discretion and subject to their applicable terms and privacy policies.

14. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE SITE AND ALL INFORMATION, CONTENT, AND SERVICES AVAILABLE THROUGH THE SITE ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.

Insure Rush MAKES NO REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, REGARDING THE SITE OR ANY PRODUCTS OR SERVICES OFFERED BY THIRD PARTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, OR RELIABILITY.

Insure Rush DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES OR OTHER HARMFUL COMPONENTS.

Insure Rush DOES NOT GUARANTEE THAT YOU WILL RECEIVE AN INSURANCE QUOTE, QUALIFY FOR INSURANCE, OBTAIN A PARTICULAR PREMIUM, OR SAVE ANY PARTICULAR AMOUNT OF MONEY.

Some jurisdictions do not permit certain warranty exclusions, so some of these exclusions may not apply to you.

15. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, Insure Rush AND ITS OWNERS, AFFILIATES, SUBSIDIARIES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SERVICE PROVIDERS, AND PARTNERS SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR ACCESS TO OR USE OF THE SITE.

THIS INCLUDES DAMAGES ARISING FROM YOUR INTERACTIONS WITH INSURANCE PARTNERS OR OTHER THIRD PARTIES, LOSS OF DATA, LOSS OF PROFITS, BUSINESS INTERRUPTION, OR RELIANCE UPON INFORMATION AVAILABLE THROUGH THE SITE.

These limitations apply to the fullest extent permitted by applicable law.

16. Indemnification

To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Insure Rush and its affiliates, subsidiaries, officers, directors, employees, agents, service providers, and partners from claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys' fees, arising from or related to:

• Your unlawful or unauthorized use of the Site;
• Your violation of these Terms;
• Information or content you knowingly provide in violation of law or third-party rights; or
• Your infringement or violation of another person's rights.

17. Agreement to Arbitrate

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Except where prohibited by applicable law or as otherwise expressly provided below, you and Insure Rush agree that disputes, claims, or controversies arising out of or relating to these Terms, the Site, your use of Insure Rush's services, or communications arising from your use of the Site will be resolved through final and binding individual arbitration rather than in court.

This agreement includes, to the extent permitted by applicable law, claims concerning telephone calls, text messages, marketing communications, the Telephone Consumer Protection Act (TCPA), and do-not-call requirements.

The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement.

Nothing in this section prevents either party from bringing an individual action in small claims court where the claim qualifies.

18. Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND Insure Rush AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, CLAIMANT, OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE ACTION.

Unless the parties expressly agree otherwise, an arbitrator may not consolidate the claims of more than one person and may not preside over any form of class, collective, consolidated, mass, or representative proceeding.

The arbitrator may award relief only to the individual party seeking relief and only to the extent necessary to resolve that party's individual claim.

19. Arbitration Procedures

Arbitration will be administered by the American Arbitration Association (“AAA”) in accordance with its applicable Consumer Arbitration Rules, as modified by these Terms.

Information concerning AAA rules and procedures is available from the American Arbitration Association.

The arbitration may be conducted remotely, based upon written submissions, or in the county in which you reside, as permitted by applicable AAA rules and determined by the arbitrator.

The arbitrator shall have authority to award any individual relief available under applicable law.

The arbitrator's award will be final and binding, subject to any rights of review expressly provided under the Federal Arbitration Act.

Judgment on an arbitration award may be entered in any court having jurisdiction.

20. Arbitration Fees

Payment of filing, administration, and arbitrator fees will be governed by applicable AAA rules and applicable law.

Insure Rush will pay arbitration fees where required under applicable law or applicable AAA consumer arbitration rules.

If an arbitrator determines that a claim was frivolous or brought for an improper purpose, fees and costs may be allocated as permitted by applicable law and the applicable arbitration rules.

21. Arbitration Opt-Out

You may opt out of the arbitration agreement contained in these Terms by providing Insure Rush with written notice within thirty (30) days after the date you first accept these Terms.

Your opt-out notice must include your full name, mailing address, email address, telephone number associated with your Insure Rush submission, and a clear statement that you wish to opt out of the Insure Rush arbitration agreement.

The notice must be sent to:

insurerush.com
Attn: Arbitration Opt-Out

or, if permitted:

info@insurerush.com

Opting out of arbitration will not otherwise affect your ability to use Insure Rush or the remaining provisions of these Terms.

22. Severability of Arbitration Provisions

If any portion of the arbitration agreement is found unenforceable, the remaining portions will remain effective to the fullest extent permitted by law.

However, if the class action waiver is determined to be unenforceable with respect to a particular claim or request for relief and that determination cannot be severed under applicable law, that claim or request for relief shall proceed in the appropriate court rather than arbitration.

23. Governing Law

Except to the extent governed by the Federal Arbitration Act or otherwise required by applicable law, these Terms and disputes arising from them will be governed by the laws of the State of California, without regard to its conflict-of-law principles.

For disputes that are not subject to arbitration, you consent to jurisdiction and venue in the applicable state or federal courts located in California, except where applicable law requires otherwise.

24. Security

Insure Rush uses reasonable administrative, technical, and organizational measures designed to protect information transmitted through the Site.

However, no Internet transmission or electronic storage system can be guaranteed to be completely secure. You acknowledge that information transmitted electronically may be subject to risks beyond Insure Rush's reasonable control.

25. Suspension or Termination

Insure Rush may suspend, restrict, or terminate access to the Site where we reasonably believe a user has violated these Terms, engaged in fraudulent or unlawful activity, interfered with operation of the Site, threatened the security of the Site or other users, or otherwise misused our services.

26. Modifications to These Terms

Insure Rush may modify these Terms periodically.

When material changes are made, we will post the revised Terms and update the “Last Updated” date.

Your continued use of the Site following the effective date of revised Terms constitutes acceptance of those Terms to the extent permitted by applicable law.

27. Severability

If any provision of these Terms is determined to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted by law or severed where necessary, and the remaining provisions will remain in full force and effect.

28. No Waiver

Insure Rush's failure to enforce any provision of these Terms does not constitute a waiver of that provision or our right to enforce it later.

29. Entire Agreement

These Terms, together with our Privacy Policy and any additional terms, disclosures, or consents presented to you in connection with a particular Insure Rush service, constitute the agreement between you and Insure Rush concerning your use of the Site.

30. Contact Information

If you have questions regarding these Terms & Conditions, please contact:

insurerush.com
Email: info@insurerush.com

For questions regarding an insurance policy, quote, coverage determination, premium, claim, or other product offered by an Insurance Partner, please contact that Insurance Partner directly.