Terms of Use

1. Accepting these terms

These Terms of Use are an agreement between you and GetMeInsure (“we”, “us”). By using getmeinsure.com you accept them. If you do not accept them, please do not use the site. You must be at least 18 to use it.

Our Privacy Policy is part of this agreement.

2. What the service is

GetMeInsure is a free advertising and referral service. We publish information about insurance and display telephone numbers that connect you with licensed insurance agents. We are paid by the marketing networks and advertisers whose numbers appear here, not by you. We never charge you anything.

3. What the service is not

Nothing here creates an agency, fiduciary, partnership or advisor–client relationship between us. The content on this site is general information. It is not a recommendation that any product suits your circumstances, and you should not treat it as one.

4. Phone calls and recording

The numbers on this site are tracked numbers supplied by marketing networks. Dialling one connects you to that network and then to a licensed agent — not to us.

Your phone carrier’s charges apply. We do not place calls to you: if you want to be called back, you will have arranged that with the agent, and any consent you gave for that is between you and them.

5. No guarantee of coverage, eligibility or price

Using this site, or speaking to an agent through it, does not mean you will be offered insurance. Eligibility, premiums, terms and availability are decided by insurers, vary by state, and change. Any figures shown on this site are illustrative and are not a quote, an offer, or a promise of a price.

6. Third parties

We link to and display numbers for parties we do not control. We are not responsible for their websites, their conduct, their products, or what they do with information you give them. Your dealings with them are between you and them.

7. Acceptable use

You agree not to:

• use the site unlawfully, or to break any insurance or telemarketing law;
• scrape, crawl, harvest or systematically copy the site or the phone numbers on it;
• place or generate calls to the numbers shown other than as a genuine consumer enquiry, including automated, fraudulent or incentivised calls;
• interfere with the site’s operation or security, or attempt to gain unauthorised access;
• misrepresent your identity, or use the site on another person’s behalf without their authority.

We may restrict or block access at any time, without notice, if we believe this section has been broken.

8. Our content

The text, design, graphics and arrangement of this site belong to us or our licensors and are protected by copyright and trademark law. You may read and print pages for your own personal, non-commercial use. Any other copying, republication or commercial use needs our written permission.

9. Disclaimer of warranties

The site is provided “as is” and “as available”. To the fullest extent the law allows, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the site will be uninterrupted or error-free, or that the information on it is complete, accurate or current. Insurance information dates quickly and rates change without notice.

10. Electronic communications and signatures

You consent to receive communications from us electronically, and you agree that electronic records and signatures satisfy any legal requirement that a communication be in writing or be signed. Where you tick a box, click a button or otherwise indicate agreement on this site, that act is your electronic signature under the federal E-SIGN Act and comparable state law, and has the same effect as a handwritten one.

You can withdraw this consent by writing to us, but doing so may mean we can no longer provide parts of the service.

11. Arbitration and class-action waiver

11.1 Agreement to arbitrate

You and we agree that any dispute, claim or controversy arising out of or relating to this site, these terms, or any call placed to a number shown here — whether based on contract, tort, statute, fraud or any other theory, and including claims under the Telephone Consumer Protection Act — will be resolved by binding individual arbitration, not in court.

11.2 Exceptions

Either of us may bring an individual claim in small-claims court if it qualifies, and either of us may seek an injunction in court to stop infringement or misuse of intellectual property.

11.3 How arbitration works

Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, by a single arbitrator. The arbitrator decides all issues except that a court decides whether section 11.4 is enforceable. The Federal Arbitration Act governs this section. An award may be entered as a judgment in any court with jurisdiction.

11.4 Class-action waiver

You and we each waive any right to bring or take part in a class, collective, consolidated or representative action. The arbitrator may award relief only to the individual party seeking it. If this paragraph is found unenforceable as to a particular claim, that claim — and only that claim — is separated from arbitration and goes to court.

11.5 Your right to opt out

11.6 Informal resolution first

Before starting arbitration, write to us describing the dispute and what you want. We will try to resolve it for 60 days. Most disputes end here.

12. Limitation of liability

To the fullest extent the law allows, we are not liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, revenue, data or goodwill, arising from your use of this site — even if we were told such damages were possible.

Our total liability for all claims relating to the site will not exceed one hundred US dollars ($100). Some states do not allow these limits, so parts of this section may not apply to you.

You agree to indemnify us against claims, losses and reasonable legal costs arising from your use of the site or your breach of these terms.

13. Governing law

These terms are governed by the laws of the state in which we are organised, without regard to its conflict-of-laws rules. Where section 11 does not apply, the courts located there have exclusive jurisdiction.

If any provision is held unenforceable, the rest stays in force. Our failure to enforce a provision is not a waiver of it.

14. Changes and contact

We may update these terms. When we do, we change the effective date at the top, and continued use of the site means you accept the update.

GetMeInsure
Email: privacy@getmeinsure.com