Terms of Use

Last updated: 2025

Introduction

Thanks for visiting our website! When you use this site, you're agreeing to follow the rules we've outlined below. These terms cover this website and any related sites or services we offer (when we say "we," "us," or "our website," that's what we mean). Sometimes we might add new sites or services, and these same rules will apply to those too.

Please take a moment to read through these terms carefully. When you use any part of our website or services, you're agreeing to these terms and our Privacy Policy. If you don't agree with everything here, please don't use our website or services.

Changes to These Terms

We might need to update these terms from time to time, and when we do, we'll post the changes right here on this page. It's your responsibility to check back occasionally for updates. If you keep using the site after we make changes, that means you're okay with the new terms.

1. No Financial, Legal, or Tax Advice; Risk

Just so you know, we don't give tax, legal, or investment advice. Everything on this site is just for information and shouldn't replace getting proper professional advice. Always talk to qualified experts before making any big legal or financial decisions.

2. Services

We might offer a service that helps connect you with other companies who can give you quotes or information. But we don't actually provide those services ourselves, so we can't be held responsible for how good they are or whether they're available.

When you give us your contact info, you're saying it's okay for the companies we match you with to get in touch, including through automated or recorded calls to any phone numbers you share (even cell phones). You don't have to agree to this to buy anything though.

If you decide to work with one of these other companies, that's completely between you and them - we're not involved in that relationship. It's up to you to make sure they have the right licenses or certifications for what you need.

3. Your Use of Our Services

When you submit your information to us, you're starting a business relationship where we share that info with our partner companies. You're also agreeing that we can contact you about your request.

If you misuse our service (like hacking, fraud, spam, selling leads, or other stuff you shouldn't do), we might cut off your access right away and could even take legal action. If you improperly resell leads, we might seek damages as explained in these terms.

4. Information You Provide

You are responsible for safeguarding your account credentials and for any use of the service by persons you authorize.

5. Use of Website Content

All the stuff on this site (text, pictures, graphics, data, and other materials) is protected by copyright and other laws. You can look at it and download one copy for your own personal use, but that's it. Anything else requires our written permission first.

Our website might have links to other websites. We include these links just to be helpful, but that doesn't mean we're endorsing those sites. We're not responsible for what's on those other sites or how they operate.

7. Communications and Notices

We might send you updates, special offers, and news. You can always opt out of these communications as explained in our Privacy Policy.

8. No Warranties; Limitation of Liability

We provide this website and everything on it "as is" without any promises or guarantees about how well it will work. We can't promise the site will always work perfectly or be completely free from viruses or other problems.

As much as the law allows, if something goes wrong and you want to sue us, the most we'd have to pay is either $50 or whatever amount you actually paid us for using our services - whichever is more.

You agree to protect us and our related companies from any legal trouble, costs, or expenses that come up because of how you use our services or if you break these terms.

9. Governing Law

These terms follow California state laws, regardless of where you're located or any conflicting laws that might apply.

10. International Access

We run this website from the United States. If you're accessing it from somewhere else, you need to make sure you're following your local laws about using sites like ours.

11. Arbitration

If we end up in a legal disagreement about these terms, we'll settle it through binding arbitration in Los Angeles, California, following the American Arbitration Association's rules. This will be handled individually, not as a group or class action.

12. Entire Agreement

These terms represent our complete agreement about using this website and replace any previous discussions we might have had. If a court decides any part of these terms isn't valid, we'll replace that part with something similar that is valid, and everything else will still apply.