Terms of Service

1. Acceptance of Terms

By accessing or using the website located at quotepathusa.com (the "Site") operated by QuotePath ("Company," "we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy, which is incorporated herein by reference. If you do not agree, you must not use the Site.

2. Nature of Our Service

QuotePath is an independent insurance comparison and lead generation service. We are not an insurance company, broker, or agent. We do not sell, underwrite, bind, or issue insurance policies. By submitting a quote request through the Site, you are requesting to be connected with licensed third-party insurance carriers and agents who may present you with insurance offers.

Any quotes, prices, or coverage terms communicated to you come from participating carriers and agents — not from QuotePath. All final insurance terms are subject to underwriting approval by the respective carrier.

3. Eligibility

The Site is intended for use by US residents who are at least 18 years of age. By using the Site, you represent and warrant that you meet these requirements and that all information you provide is accurate, current, and complete.

4. Consent to Contact

By submitting a quote request, you expressly consent to being contacted by QuotePath, its partners, affiliated insurance carriers, and licensed agents using the contact information you provided. This may include:

• Telephone calls, including automated or pre-recorded calls
• Text/SMS messages, including automated messages
• Email communications

This consent applies even if your phone number is listed on a state or federal Do Not Call registry. Consent is not required as a condition of purchasing any insurance product. You may opt out at any time by following the instructions provided in any communication.

5. No Insurance Advice

The content published on the Site, including articles, tips, and guides, is for general informational purposes only and does not constitute professional insurance, financial, or legal advice. You should consult a licensed insurance professional before making any coverage decisions. QuotePath makes no representations or warranties regarding the accuracy, completeness, or suitability of any content on the Site.

6. Prohibited Conduct

You agree not to:

• Submit false, fraudulent, or misleading information in any quote request
• Use the Site for any unlawful purpose or in violation of any applicable law
• Attempt to access, probe, or test the security of the Site or its systems
• Scrape, crawl, or harvest content or data from the Site without prior written consent
• Use automated scripts or bots to submit quote requests
• Interfere with the proper functioning of the Site

7. Intellectual Property

All content on the Site — including text, graphics, logos, and software — is the property of QuotePath or its licensors and is protected by US and international copyright laws. You may not reproduce, distribute, or create derivative works from any Site content without our prior written permission.

8. Third-Party Links and Services

The Site may contain links to third-party websites or services. We have no control over, and accept no responsibility for, the content, privacy policies, or practices of any third-party sites. Your interactions with third-party carriers and agents are governed solely by the agreements between you and those parties.

9. Disclaimer of Warranties

THE SITE AND ALL CONTENT, SERVICES, AND FEATURES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, QuotePath AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE OR ANY INSURANCE PRODUCTS OBTAINED THROUGH CARRIERS CONNECTED VIA THE SITE. IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED ONE HUNDRED US DOLLARS ($100.00).

11. Indemnification

You agree to indemnify, defend, and hold harmless QuotePath and its affiliates, officers, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Site, your violation of these Terms, or your submission of false or misleading information.

12. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Any dispute arising from or related to these Terms shall be resolved through binding arbitration in accordance with the American Arbitration Association's Consumer Arbitration Rules. You waive any right to participate in a class action lawsuit or class-wide arbitration.

13. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to the Site with an updated "Last updated" date. Your continued use of the Site following any changes constitutes your acceptance of the revised Terms.

14. Contact