Terms & Condition
1. Introduction and Acceptance of Terms
Welcome to insurance-save-money.com (hereinafter referred to as the "Site," "Service," "We," "Us," or "Our"). By accessing, browsing, or using this Site, you (the "User," "You," or "Your") acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions ("Terms").
IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST IMMEDIATELY CEASE USE OF THIS SITE.
These Terms constitute a legally binding agreement between You and insurance-save-money.com regarding your use of the Service. We reserve the right to modify these Terms at any time without prior notice. Your continued use of the Site following any changes indicates your acceptance of the new Terms.
2. Nature of the Service: Marketing and Profiling Only
PLEASE READ THIS SECTION CAREFULLY.
2.1. Not an Insurance Broker or Agent insurance-save-money.com is NOT an insurance carrier, insurance agent, insurance broker, or insurance promoter. We do not underwrite insurance, process claims, issue insurance policies, or bind coverage. We do not represent any specific insurance company.
2.2. Description of Service The Site operates exclusively as a media and profiling service (lead generation). Our function is limited to:
Collecting non-sensitive and profiling information provided voluntarily by You.
Matching your profile with third-party partners, licensed insurance agents, or call centers ("Partners") who may be able to offer you car insurance products.
Redirecting You via a telephone transfer ("Pay Per Call") or web click to these authorized third-party Partners.
2.3. No Professional Advice The information provided on this Site is for general informational and marketing purposes only. It does not constitute financial, legal, or insurance advice. You should always consult with a licensed insurance professional (one of our Partners or an agent of your choice) before making any decisions regarding your auto insurance coverage.
3. Pay Per Call and Third-Party Redirection
3.1. The Connection Process By using our specific click-to-call buttons or submitting your information, you acknowledge that insurance-save-money.com acts solely as a bridge. Once you initiate a call or click a link, you may be connected to a third-party call center or insurance agent.
3.2. Authorization to Contact (TCPA Consent) By submitting your telephone number or clicking the "Call Now" / "Get a Quote" button, you provide your express written consent to share your information with our network of Partners and to receive telemarketing calls, text messages (SMS), or pre-recorded messages from Us or our Partners regarding auto insurance products.
This consent applies even if your phone number is currently listed on any internal, state, federal, or corporate "Do Not Call" list.
You understand that consent is not a condition of purchasing any goods or services.
Standard message and data rates may apply.
4. User Eligibility and Obligations
To use this Site, you represent and warrant that:
You are at least 18 years of age.
You are a resident of [Insert Country/Region, e.g., the United States] and are accessing the Site from within this jurisdiction.
You are legally capable of entering into binding contracts.
4.1. Accuracy of Information You agree to provide true, accurate, current, and complete information about yourself as prompted by the Site’s profiling questions. If you provide any information that is untrue, inaccurate, or incomplete, We have the right to refuse any current or future use of the Service. You acknowledge that providing false information may result in inaccurate quotes from Partners.
5. Relationships with Third-Party Partners
5.1. Independent Contractors The Partners (insurance agents, brokers, carriers) you are connected with are independent third parties. They are not employees, agents, or joint venturers of insurance-save-money.com.
5.2. No Endorsement or Guarantee We do not endorse, recommend, or guarantee the price, product, availability, rates, fees, or services offered by any Partner.
insurance-save-money.com does not control the Partners' underwriting criteria.
We are not responsible for the accuracy of the quotes provided by Partners.
Any insurance policy you purchase is a contract solely between You and the Insurance Carrier, not with Us.
5.3. Release You hereby release insurance-save-money.com from any and all damages, losses, claims, or liabilities arising out of your dealings with any Partner. Any dispute regarding a policy, a quote, or customer service must be resolved directly with the Partner.
6. Intellectual Property Rights
All content included on this Site, such as text, graphics, logos, button icons, images, and software, is the property of insurance-save-money.com or its content suppliers and is protected by international copyright laws. You agree not to copy, reproduce, modify, create derivative works from, or publicly display any content from the Site without our prior express written permission.
7. Disclaimer of Warranties
THE SITE AND ALL SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED.
TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, insurance-save-money.com DISCLAIMS ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO:
IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.
WARRANTIES THAT THE SITE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES.
WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF THE LEADS OR PROFILING MATCHES.
WE DO NOT WARRANT THAT THE USE OF THE SITE WILL RESULT IN SAVINGS OR THAT YOU WILL BE ACCEPTED FOR COVERAGE BY ANY PARTNER.
8. Limitation of Liability
IN NO EVENT SHALL insurance-save-money.com, ITS OWNERS, AFFILIATES, OFFICERS, OR EMPLOYEES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SITE, INCLUDING BUT NOT LIMITED TO:
YOUR INABILITY TO USE THE SITE.
YOUR RELIANCE ON ANY INFORMATION OBTAINED FROM THE SITE.
THE CONDUCT OR SERVICES OF ANY THIRD-PARTY PARTNER TO WHOM YOU ARE REDIRECTED.
THIS LIMITATION APPLIES REGARDLESS OF THE LEGAL THEORY (CONTRACT, TORT, NEGLIGENCE, OR OTHERWISE) UPON WHICH THE CLAIM IS BASED, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
9. Indemnification
You agree to indemnify, defend, and hold harmless insurance-save-money.com and its affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) that such parties may incur as a result of or arising from:
Your use of or connection to the Site.
Your violation of these Terms.
Your violation of the rights of any other person or entity.
The content or information you submit to the Site.
10. Third-Party Links
The Site may contain links to other websites ("Linked Sites"). The Linked Sites are not under the control of insurance-save-money.com, and We are not responsible for the contents of any Linked Site. The inclusion of any link does not imply endorsement by Us of the site or any association with its operators.
11. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of [Insert State/Country], without giving effect to any principles of conflicts of law.
Binding Arbitration: Any dispute or claim arising out of or relating to these Terms or the Service shall be resolved by binding arbitration in accordance with the commercial arbitration rules of the [Insert Arbitration Association, e.g., American Arbitration Association]. You agree to waive your right to a trial by jury or to participate in a class action lawsuit.
Privacy Policy
1. Introduction
insurance-save-money.com (hereinafter "We," "Us," "Our," or the "Site") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our services.
Important Notice Regarding Our Service Model: Please understand that insurance-save-money.com is strictly a media and profiling service. We are not an insurance carrier, agent, or broker. Our primary function is to collect specific profiling data to match you with qualified, authorized third-party insurance professionals ("Partners") via telephone transfer (Pay Per Call) or digital data transfer.
By using the Site, you consent to the data practices described in this policy.
2. Information We Collect
We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device.
2.1. Personal Information Provided by You
We collect information you voluntarily provide when you answer our profiling questions or request a quote. This may include:
Identity Data: First name and last name.
Contact Data: Phone number (mobile or landline), email address, and postal/zip code.
Profiling Data: Vehicle information (year, make, model), current insurance status, driving history, age range, homeownership status, and other risk-assessment factors needed to route your call to the correct operator.
2.2. Automatic Information Collection
When you visit the Site, we automatically collect certain technical information:
Device Data: IP address, browser type, operating system, and unique device identifiers.
Usage Data: Pages viewed, time spent on the site, clicking behavior, and referring URLs.
3. How We Use Your Information
We use the collected information for specific business purposes, primarily to facilitate the "Pay Per Call" service:
To Connect You with Partners: We use your profiling data (e.g., zip code, driving history) to determine which authorized insurance operator is best suited to speak with you.
To Facilitate Communications: To enable the transfer of your call or request to third-party Partners.
To Improve Our Service: To analyze trends, track user movements, and improve the profiling algorithm.
Marketing: With your consent, to send you alerts or follow-ups regarding insurance savings.
4. Sharing and Disclosure of Information
This is the core of our business model. Please read carefully.
We do not sell insurance. Therefore, in order to provide the service requested (getting a quote), we must share your information with third parties.
4.1. Third-Party Partners (Authorized Operators)
We share your Personal Information and Profiling Data with a network of:
Insurance Carriers
Licensed Insurance Agents/Brokers
Lead Aggregators and Marketing Partners
When you click "Call Now" or submit your details, you authorize us to share your profile with these Partners so they can provide you with a quote.
4.2. The "Pay Per Call" Mechanism
If you utilize our "Click to Call" feature:
Your phone call may be routed through a tracking line.
Your phone number (Caller ID) and sometimes your profiling data will be visible to the receiving Partner (the insurance agent or call center).
By initiating the call, you consent to this data transfer.
4.3. Legal Requirements
We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to:
Comply with a legal obligation.
Protect and defend the rights or property of insurance-save-money.com.
Prevent fraud.
5. TCPA Consent (Telephone Consumer Protection Act)
By submitting your telephone number on insurance-save-money.com, you provide your express written consent to receive telephone calls, SMS text messages, and pre-recorded messages from Us and our Third-Party Partners.
Nature of Calls: These calls will be regarding auto insurance quotes and related products.
Automated Dialing: You agree that these calls may be generated using an automated telephone dialing system (autodialer).
Do Not Call Lists: You understand that this consent applies even if your number is currently listed on any internal, corporate, state, federal, or national "Do Not Call" registry.
No Purchase Necessary: You understand that consent is not a condition of purchasing any property, goods, or services.
6. Cookies and Tracking Technologies
We use cookies, web beacons, and pixels to operate the Site.
Essential Cookies: Necessary for the site to function.
Analytics Cookies: Help us understand how visitors interact with the site.
Advertising/Tracking Cookies: Used to track the source of the lead and ensure our marketing partners are credited for the referral.
You can choose to disable cookies through your browser settings, but this may affect the functionality of the Site (e.g., the ability to be matched with an agent).
7. Data Security
We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, please also remember that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your personal information, transmission of personal information to and from our Site is at your own risk.
8. Third-Party Websites
Our Site acts as a portal. Once you click a link or are transferred via phone to a Partner, you are no longer on insurance-save-money.com.
We are not responsible for the privacy practices or content of third-party websites or call centers.
We encourage you to review the privacy policies of any insurance agent or carrier you interact with.
9. Children's Privacy
Our Service is intended for adults aged 18 and over. We do not knowingly collect personally identifiable information from children under the age of 18. If we become aware that we have collected Personal Data from anyone under the age of 18 without verification of parental consent, we take steps to remove that information from our servers.
10. Your Privacy Rights (CCPA/GDPR/General)
Depending on your location, you may have certain rights regarding your personal information, including:
Right to Access: Request a copy of the personal data we hold about you.
Right to Deletion: Request that we delete your personal information.
Right to Opt-Out: You may request that we stop selling or sharing your personal info with third parties.
To exercise these rights, please contact us at the email provided below. Please note that if we have already transferred your data to a Partner, you may need to contact that Partner directly to delete your data from their systems.
11. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top. You are advised to review this Privacy Policy periodically for any changes.
Support
Welcome to the insurance-save-money.com Support Team.
We are dedicated to providing you with a seamless experience while using our website. Please review the information below to ensure your inquiry is directed to the right place.
IMPORTANT: Please Read Before Contacting Us
We are a Media and Profiling Service, NOT an Insurance Carrier.
insurance-save-money.com connects users with authorized insurance agents and carriers. We do not issue policies, process claims, or handle billing.
If you have questions about an existing policy: You must contact your insurance provider directly. Their number is usually listed on your insurance card or policy documents.
If you need to report an accident or claim: Please call your insurance carrier immediately. We cannot assist with claims.
If you want a quote: Please go back to our [Home Page] and complete the form or use the "Call Now" button to speak with an agent.
What We Can Help You With
Our support team is available to assist you with:
Technical Issues: If the website is not loading, forms are broken, or the click-to-call button is not functioning.
Privacy & Data Rights: If you wish to exercise your rights regarding your personal data (such as data deletion or opting out), in accordance with our Privacy Policy.
General Inquiries: Questions about how our matching service works.
Contact Information
For technical support or data privacy inquiries, please email us at:
📧 support@insurance-save-money.com
Please allow up to 48 hours for a response. Our support team operates Monday through Friday.
Frequently Asked Questions (FAQ)
Q: I bought a policy through a number on your site, but I haven't received my documents. A: Since we are a connection service, we do not have access to your policy details. Please check your email spam folder or contact the insurance agent/company you spoke with on the phone directly.
Q: Why am I receiving calls? A: When you used our service to request a quote, you consented to be contacted by our network of insurance partners to provide the rates you requested. If you have already purchased a policy or no longer wish to be contacted, please let the agent know during the call, or email us to be removed from our marketing list.
Q: Is this service free? A: Yes, using insurance-save-money.com to find an insurance provider is 100% free for the user. We are paid by the insurance providers for connecting them with potential customers.
Q: How do I cancel my insurance? A: We cannot cancel your insurance policy for you. You must contact the insurance company that charges your bank account directly.
insurance-save-money.com Connecting you with authorized car insurance experts.
TCPA Disclosure
By clicking "Get Quote" or "Call Now" in INSURANCE-SAVE-MONEY's Ads or Landing Pages, You provide the electronic signature and express written consent to be contacted by insurance-save-money.com and its Marketing and Technical Partners regarding auto insurance products at the phone number provided above. You understand these calls, texts (SMS), and pre-recorded messages may be generated using an automated telephone dialing system (autodialer) or artificial voice technology. You understand that consent is not a condition of purchase and that standard message and data rates may apply. You agree to the Terms and Conditions and Privacy Policy.
