Terms of Service

These Terms apply to pages, forms, phone experiences, widgets, APIs, and tools operated by Aegis Platforms, Inc. ("Aegis," "we," "us," or "our"). By using the Site, you agree to these Terms, our Privacy Policy, Your Privacy Choices (Do Not Sell/Share), and the Notice at Collection shown or linked on forms.

These Terms contain provisions that not only govern the resolution of disputes you may have with us but also limit our potential liability to you. These provisions include a binding arbitration agreement, a class action and collective proceeding waiver, and a jury trial waiver. In arbitration, there is no judge or jury, and discovery and appellate review are more limited than in court. Please read the "Disputes, Arbitration, and Class Waiver" section carefully.

What We Do (Connector Only)

We are a technology platform that connects you with independent, licensed insurance professionals ("Provider"). We do not match or recommend Providers, underwrite, bind, sell, or service insurance, and we do not provide personalized insurance advice or set prices.

Site content is general and educational only; decisions are yours with a licensed professional. Providers are independent third parties, not our employees or agents, and your dealings are solely between you and the Provider.

Availability is not guaranteed. Connections depend on location, insurance line, provider capacity, business hours, fraud screening, and queue depth. We act in good faith to connect you but do not guarantee contact, quotes, or outcomes. We do not perform activities that require a producer license where prohibited.

Quote accuracy and availability. Any premium, rate, or quote displayed or transmitted through the Site is provided by, and the responsibility of, the applicable Provider. We do not guarantee the accuracy, completeness, or availability of any quote. Quotes are not binding offers and do not constitute bookable rates. Actual eligibility, terms, premiums, and availability are determined by the Provider following completion of an application and the Provider's underwriting process, and may differ from any quote displayed through the Site. We do not guarantee that any Provider offers the best terms, lowest rates, or broadest coverage available in the market.

No application: reliance on user information. We do not provide an application for insurance. We collect information you submit through the Site and share it with one or more providers for the purpose of facilitating an offer or quote. You are responsible for the accuracy and completeness of all information you submit. Inaccurate, incomplete, or misleading information may result in inaccurate quotes, denial of coverage, rescission, or voidance of any policy issued, in the provider's sole discretion and in accordance with applicable law.

No fiduciary duty. Neither we nor any of our affiliates, officers, directors, shareholders, members, employees, or agents owes you any duty, fiduciary or otherwise, except as expressly stated in these Terms, and you release us and the foregoing parties from all manner of actions, whether past, present, or future, actual or contingent, arising out of or relating to any such duty, except as expressly stated in these Terms.

Eligibility and Acceptance

The Site is intended for individuals 18 or older in the United States or Canada who can form a binding contract and will comply with these Terms and applicable law.

Privacy, Choices, and Notices

See our Privacy Policy for data practices. Use Your Privacy Choices (Do Not Sell/Share) to opt out of targeted ads and certain transfers. A Notice at Collection appears (or is linked) on Contact Us and Insurance Inquiry forms.

Forms: Contact Us and Insurance Inquiry

By submitting any Site form, you agree to the following:

• Provide true, current, and complete information, and only submit phone numbers and emails you control.
• Use forms in good faith—no spam, phishing, scraping, competitive intelligence, or speculative submissions intended to game routing.
• We may validate identity and information and may decline or filter submissions we suspect are abusive or fraudulent.
• Do not include sensitive data unless specifically requested in a field.
• We may filter, queue, throttle, prioritize, limit recipients, or decline submissions based on geography, insurance line, provider availability, system health, or fraud risk.

Consent to Contact; Do-Not-Call; Recording

Submitting an Insurance Inquiry may include express written consent to receive calls, texts, and emails from up to eight licensed Providers described on the form at the time of submission and their service providers, including by means of automated telephone dialing systems and prerecorded or artificial voice messages (including AI-generated voice), at the telephone number and email address you provide. You may revoke consent at any time by telling the caller "Do Not Call," replying STOP to texts, using email unsubscribe links, or contacting us. We maintain a written Do-Not-Call policy and honor revocations within 10 business days. Your consent is not a condition of any purchase. Standard message and data rates may apply.

We keep brand-specific consent logs (time, source, disclosure text, form variant, opt-in fields) and may share proof with providers. If calls are recorded, we will notify you as required by law.

Independent Providers and Compensation

Providers are independent controllers of the information they receive and have their own terms and privacy policies. We do not control their advice, pricing, quality, or availability and do not guarantee quotes or approvals.

We may receive referral, marketing, or performance-based compensation when you connect, call, click, or purchase via our Site or routing. Compensation is not an endorsement and does not determine automated routing.

Acceptable Use

By using the Site, you agree you will not:

• Misrepresent identity or submit for others without authorization.
• Scrape, spider, harvest, probe, scan, or bypass security features.
• Reverse engineer code, workflows, or rate limits.
• Use bots or automation to submit requests.
• Upload malware or degrade or disrupt the Site.
• Submit any inquiry, request, or contact information for the purpose, in whole or in part, of generating, manufacturing, soliciting, or supporting any claim or cause of action, whether under the Telephone Consumer Protection Act, any state telemarketing or consumer-protection statute, or otherwise.
• Submit any telephone number, email address, or other contact information that you do not personally own and control, including with limitation reassigned numbers, ported numbers, business numbers used as residential lines, or numbers registered on any internal or third-party do-not-call list.
• Interfere with our relationships with providers, attempt to divert or intercept communications between us and a provider, or use the Site to evaluate the Site or providers for the benefit of a competitor.
• Use the Site for any purpose unlawful under applicable law, including the federal CAN-SPAM Act, the federal Computer Fraud and Abuse Act, state computer-crime statutes, or any state consumer-protection or unfair trade practices act.

We may monitor, rate-limit, suspend, or terminate access we reasonably believe violates these Terms or creates risk.

License and Ownership

We grant a limited, revocable, non-exclusive, non-transferable license to access and use the Site for personal, lawful purposes and not to resell or redistribute leads. The Site (text, design, code, logos, and 1-800-INSURANCE) is owned by Aegis or its licensors. Except for the limited license above, no rights are granted.

User Content and Feedback

If you submit content such as testimonials or questions, you grant us a worldwide, non-exclusive, royalty-free, sublicensable license to host, reproduce, modify, and display it to operate, market, and improve the Site and Services.

You represent you own or have rights to your submissions and that they are lawful. Feedback may be used without restriction or attribution.

APIs, Widgets, and Embeds

If we provide APIs or widgets, the following apply.

• Limited, revocable license to call our API or display our widget to enable consumer connections to licensed providers.
• Store personal data only transiently to fulfill the user's action and delete within 24 hours unless you have independent consent and legal basis.
• Do not remove required branding or links (Privacy, Your Privacy Choices, Notice at Collection).
• Follow rate limits; no scraping, load testing, or reverse engineering.
• Provide compliance attestation on reasonable notice; we may revoke access immediately for abuse, risk, or legal demand.

If you process personal information that we make available through the API or widget, you are a separate and independent controller (or business) and not our service provider, contractor, or processor, unless we have executed a separate written data processing agreement with you. You will not retain, use, share, sell, or otherwise process personal information except as permitted by these Terms and by applicable state privacy law (including the California Consumer Privacy Act, the Virginia Consumer Data Protection Act, and analogous state statutes).

On not less than thirty (30) days' written notice and not more than once in any twelve (12) month period (except where we have a reasonable belief of non-compliance, in which case more frequent audits may be required), we may audit, or engage an independent third party to audit, your compliance with these Terms and applicable law, and you will provide reasonable access to records, systems, and personnel necessary for the audit.

You will indemnify us for any claims, losses, or expenses arising from your use of the API or widget, including without limitation any violation of the Telephone Consumer Protection Act, any state telemarketing or consumer-protection statute, or any privacy or data-protection law, and including any claim that personal information you received from us was used in violation of these Terms or applicable law. This is in addition to, and not in lieu of, the general Indemnification section below.

If you handle personal data from our API or widgets, you are independently responsible for privacy, telemarketing, and security compliance.

Editorial and Licensed Agent Oversight

Some Site content may be reviewed or overseen by a licensed insurance producer for accuracy and compliance. This is not individualized advice and does not create a producer-client relationship. Any producer oversight may be licensed only in certain states. We do not solicit or conduct producer activities where not licensed or where prohibited.

Third-Party Sites and Tools; No Professional Advice

We may reference or link to third-party websites and tools; we do not control them. Use at your own risk and review their terms and privacy policies. Site content is informational and not legal, tax, investment, financial, or insurance advice for your situation.

Security, Accessibility, and DMCA

Do not test or exploit vulnerabilities. Report issues via legal@1800insurance.com and keep reports non-public until remediation. We aim for WCAG 2.1 AA accessibility; report barriers via the same email. For DMCA notices, contact Aegis Platforms, Inc., Attn: DMCA Agent, 7901 4TH ST N STE 28918, St. Petersburg, FL 33702, USA or email legal@1800insurance.com with the required elements.

Disclaimers

The Site, forms, routing, content, widgets, and APIs are provided "as is," "as available," and "with all faults." To the maximum extent permitted by law, Aegis, its affiliates, and its licensors disclaim all representations and warranties of any kind, whether express, implied, statutory, or otherwise. Without limiting the foregoing, Aegis, its affiliates, and its licensors specifically disclaim any and all implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranties arising from course of dealing or usage of trade. We do not warrant that the Site will be uninterrupted, timely, secure, or error-free, or that defects will be corrected. We do not warrant the accuracy, completeness, or reliability of any content, quote, or information obtained through the Site, or the quality or availability of any Provider. Some jurisdictions do not allow the exclusion of certain warranties; in such jurisdictions, our liability is limited to the maximum permitted by law.

Limitation of Liability

To the maximum extent permitted by law, in no event will Aegis or its affiliates, officers, directors, employees, agents, licensors, or contractors be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost profits, lost revenue, lost data, loss of goodwill, cost of substitute services, or business interruption, arising out of or relating in any way to these Terms, the Site, any quote or routing, or any interaction with or policy issued by a Provider, even if Aegis has been advised of the possibility of such damages and regardless of whether the claim is based on contract, tort (including negligence and strict liability), statute, or any other theory. Aegis will not be liable for any loss or damage that is not reasonably foreseeable. Our total aggregate liability arising out of or relating to these Terms or the Site is limited to the greater of (a) the amount you paid us, if any, in the twelve (12) months before the event giving rise to liability (or, at our election, re-performance of or credit toward the Services), and (b) $250.00. Some jurisdictions restrict limitations of liability; where they do, our liability is limited to the maximum extent permitted by law.

Indemnification

You will defend, indemnify, and hold harmless Aegis and its affiliates, officers, directors, employees, and contractors from and against any and all claims, actions, suits, proceedings, damages, liabilities, costs, and expenses, including reasonable attorneys' fees and court costs, arising from or relating to your Site or form use, your content or submissions, your violation of these Terms or law, or your interactions with providers, except to the extent such claim arises from our gross negligence or willful misconduct.

We will provide you with reasonably prompt written notice of any claim subject to this section; provided that, our failure to provide timely notice will not relieve you of your indemnification obligations except to the extent you are materially prejudiced by the failure. We may, at our sole option and expense, participate in the defense with counsel of our choice. You will not settle any claim that admits liability of, imposes any obligation on, or impairs any right of, Aegis or its affiliates without our prior written consent, which will not be unreasonably withheld.

Changes, Suspension, and Termination

We may modify the Site and these Terms at any time. We will update the Effective Date and post revised Terms. For material changes, we will post a prominent notice on the Site and, when feasible, email registered users before they take effect. Continued use after the effective date is acceptance. We may suspend or terminate access for violations or risk.

Communications and E-Sign

You consent to electronic communications by email, SMS, or on-site notices and to electronically sign acknowledgments and disclosures. Keep your contact information current.

Disputes, Arbitration, and Class Waiver

(a) Informal Resolution. Before initiating any formal proceeding, you and we agree to attempt in good faith to resolve any dispute, claim, or controversy arising out of or relating in any way to these Terms or your use of the Site (each, a "Claim") informally. The party seeking resolution must send written notice describing the nature and basis of the Claim and the specific relief sought (a "Consultation Notice"). Any Consultation Notice to us must be sent by email to legal@1800insurance.com. The parties will then have sixty (60) days from receipt of the Consultation Notice (or such longer period as mutually agreed in writing) to resolve the Claim through good-faith negotiation. Completion of this informal resolution process is a prerequisite to initiating arbitration or any other formal proceeding, except as provided in subsection (c) below.

(b) Binding Arbitration. If the Claim cannot be resolved through informal negotiation within the period described in subsection (a), either party may elect to have the Claim finally and exclusively resolved by binding arbitration. Any election to arbitrate by one party will be final and binding on the other.

You understand that by agreeing to arbitration, you and Aegis are each giving up the right to a jury trial and the right to participate in a class action or other representative proceeding.

Arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, except as modified by these Terms. The arbitration will be conducted by a single, neutral arbitrator.

For Claims of $25,000 or less, the arbitration may be conducted solely on the basis of documents submitted to the arbitrator, unless you request a hearing or the arbitrator determines that a hearing is necessary. For Claims exceeding $25,000, the right to a hearing will be determined by the AAA Consumer Arbitration Rules. Unless you and we agree otherwise in writing, any arbitration hearings will take place in St. Petersburg, Florida.

Payment of all AAA filing, administration, and arbitrator fees will be governed by the AAA Consumer Arbitration Rules. AAA fees will be allocated pursuant to the AAA Consumer Arbitration Rules. Each party will bear its own attorneys' fees and costs unless applicable law requires otherwise or the arbitrator determines that a Claim or defense was frivolous or asserted for an improper purpose.

The arbitrator may award any relief that a court of competent jurisdiction could award, including injunctive or declaratory relief, but only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual Claim. The arbitrator's award will be final and binding, and judgment on the award may be entered in any court having jurisdiction. The Federal Arbitration Act, 9 U.S.C. §§ 1 et seq., governs the interpretation and enforcement of this section.

(c) Class Action and Collective Proceeding Waiver.

You and we agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding. Unless both you and we agree otherwise in writing, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative, collective, or class proceeding.

If this class action and collective proceeding waiver is found to be unenforceable with respect to a particular Claim or set of Claims, then those Claims will be severed from the arbitration and may proceed in court, while any remaining Claims will continue in arbitration. Nothing in this section precludes you from (i) bringing an individual action in small claims court if your Claim qualifies, so long as the matter remains in such court and advances only on an individual (non-collective and non-class) basis, or (ii) bringing issues or concerns to the attention of federal, state, or local agencies (including the Federal Communications Commission and the Federal Trade Commission).

(d) Survival. This section and the agreements set forth herein, including the arbitration agreement, the class action and collective proceeding waiver, and the jury trial waiver, will survive any termination, expiration, or invalidation of these Terms or your use of the Site.

Governing Law, Venue, Export, and Sanctions

Florida law governs, excluding conflict rules, except that the Federal Arbitration Act, 9 U.S.C. §§ 1 et seq., governs the interpretation and enforcement of the arbitration agreement in the "Disputes, Arbitration, and Class Waiver" section above. If arbitration is unavailable or unenforceable for a claim, the exclusive courts are the state and federal courts in Pinellas County, Florida. Nothing in these Terms waives any non-waivable right under applicable consumer protection law, and any provision that would otherwise violate such law is reformed to the minimum extent necessary to be enforceable. Do not use the Site if you are in an embargoed country or on a U.S. restricted-party list. Comply with export and sanctions laws.

Force Majeure, Relationship, and Miscellaneous

• Force majeure: No liability for delays or failures beyond our control, including telecommunications, ISP or CDN outages, DDoS, cloud or hosting incidents, labor disputes, acts of God, or government actions.
• No agency: Using the Site does not create a partnership, joint venture, employment, or agency relationship with us or any provider.
• Entire agreement: These Terms and incorporated policies are the entire agreement. If a provision is invalid, the remainder remains effective. We may assign; you may not without our written consent. Our inaction is not a waiver. Headings are for convenience only.

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