These Terms of Use (“Terms”) govern your access to and use of the website located at www.thechoicequotes.com (the “Site”) operated by TheChoiceQuotes, LLC (“TheChoiceQuotes,” “we,” “our,” or “us”). Please read these Terms carefully before using the Site.
By accessing or using the Site, you confirm that you are at least 18 years of age, that you have read and understood these Terms, and that you agree to be bound by them. If you do not agree to these Terms, you must not use the Site.
These Terms constitute the entire agreement between you and TheChoiceQuotes with respect to your use of the Site and supersede all prior agreements, understandings, and communications relating to the subject matter of these Terms.
TheChoiceQuotes is an independent, advertising-supported financial comparison and information publisher. The Site provides:
TheChoiceQuotes is not a licensed insurance broker, lender, bank, financial advisor, or registered investment advisor. We do not offer, underwrite, or administer any financial product. All financial product applications, accounts, and transactions occur directly between you and the applicable third-party provider.
In compliance with the Federal Trade Commission’s guidelines on endorsements and testimonials (16 C.F.R. Part 255), you acknowledge the following:
All content on the Site is provided for general informational and educational purposes only. Nothing on the Site constitutes, or should be construed as, professional financial advice, legal advice, tax advice, investment advice, insurance advice, or any other form of professional advice regulated by applicable law.
Financial products, rates, and terms change frequently. While we make reasonable efforts to keep information current, we cannot guarantee that all information on the Site is accurate, complete, or up to date at the time you read it. You should always verify current terms, rates, and eligibility requirements directly with the relevant financial product provider before making any financial decision.
Before making any significant financial decision, we strongly recommend consulting with a qualified licensed professional, including a licensed insurance broker, certified financial planner, licensed lender, or attorney as appropriate to your situation.
Calculator results on the Site are estimates for illustrative purposes only. They do not account for all variables that may affect your actual financial situation.
By using the Site, you agree that you will not:
The Site and all its contents, features, and functionality — including but not limited to text, graphics, logos, icons, images, audio clips, data compilations, software, and the selection and arrangement thereof — are owned by TheChoiceQuotes, LLC or its licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.
You are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Site for personal, non-commercial informational purposes. This licence does not include:
If you believe that any content on the Site infringes your copyright, please send a notice to our designated agent that includes all of the following:
DMCA notices must be sent to: legal@thechoicequotes.com
The Site contains links to third-party websites and services, including financial product providers, affiliate partners, and reference sources. These links are provided for your convenience and informational purposes only. We do not endorse, sponsor, or guarantee the accuracy of any information, content, products, or services available through third-party websites.
Your access to and use of third-party websites is governed entirely by the terms and privacy policies of those websites. TheChoiceQuotes is not responsible or liable for any loss or damage that may arise from your use of third-party websites or from any content, information, products, or services available on those websites.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THECHOICEQUOTES, ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY:
In jurisdictions that do not allow the exclusion of certain damages, our liability is limited to the maximum extent permitted by applicable law. In no event shall our total liability to you exceed fifty US dollars (USD $50.00).
THE SITE AND ALL ITS CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY.
We do not warrant that the Site will be available at all times, that access will be uninterrupted, that the Site will be error-free, or that defects will be corrected. We do not warrant the accuracy, completeness, or timeliness of any information on the Site.
You agree to defend, indemnify, and hold harmless TheChoiceQuotes and its affiliates, officers, employees, contractors, agents, licensors, and partners from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt and expenses (including but not limited to reasonable attorneys’ fees) arising from:
Informal Resolution: Before filing a claim against TheChoiceQuotes, you agree to try to resolve the dispute informally by contacting us at legal@thechoicequotes.com. We will try to resolve the dispute informally by contacting you via email. If a dispute is not resolved within 30 days of submission, you or TheChoiceQuotes may proceed to formal proceedings.
Binding Arbitration: You and TheChoiceQuotes agree that any dispute, claim, or controversy arising out of or relating to these Terms or the use of the Site (“Dispute”) will be resolved exclusively by binding arbitration, except that each party retains the right to bring an individual action in small claims court and the right to seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights.
Class Action Waiver: YOU AND THECHOICEQUOTES EACH WAIVE ANY RIGHT TO A JURY TRIAL AND TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION OR REPRESENTATIVE PROCEEDING. Any arbitration will be conducted on an individual basis and not in a class, consolidated, or representative action.
Arbitration will be conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, which are available at www.adr.org. The arbitration shall be conducted in English and may be conducted remotely.
This arbitration clause shall survive termination of these Terms.
These Terms and your use of the Site are governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to its conflict of law provisions. For any Dispute not subject to arbitration under Section 12, you and TheChoiceQuotes agree to submit to the personal jurisdiction of a state or federal court located in Delaware.
If you are a consumer located in a jurisdiction that does not permit the choice of law or forum selection above, the mandatory consumer protection laws of your jurisdiction will apply to the extent they conflict with Delaware law.
We reserve the right to modify these Terms at any time. Material changes will be communicated by posting a notice on the Site and updating the “Last Updated” date at the top of this page. We may also notify newsletter subscribers of material changes by email. Your continued use of the Site after the effective date of any changes constitutes your acceptance of the revised Terms.
We encourage you to review these Terms periodically. If any change is unacceptable to you, your sole remedy is to discontinue your use of the Site.
Questions about these Terms should be directed to:
Email: legal@thechoicequotes.com
General contact: Contact form
Business entity: TheChoiceQuotes, LLC