PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. These Terms and Conditions ("Terms") constitute a legally binding agreement between you and Instant Med Quotes, including a binding arbitration provision described below. By accessing or using this website and any related services (collectively, the "Site"), you agree to be bound by these Terms, along with our Privacy Policy and any other rules or policies we may publish from time to time. If you do not agree with any part of these Terms, you must discontinue use of the Site immediately.

1. Our Services
Instant Med Quotes operates this Site as a portal that connects insurance agents, insurance companies, lead aggregators, and other similar parties ("Providers") with consumers who submit a request through the Site to receive insurance quotes or related information ("Prospects," and together with all other visitors, "Users," "you," or "your").

With your authorization, we may collect certain information about you (a "Lead") and provide that Lead to one or more Providers. We are not responsible for the legality, safety, or quality of any product a Provider offers, the accuracy of a Provider's representations, a Provider's ability to deliver coverage, or a Prospect's ability to pay for any product. We act solely as an independent contractor.

Except where we act as a licensed agent for certain products, we do not issue insurance contracts or bind coverage, and we do not endorse or recommend any specific Provider, policy, or product. We do not provide insurance, tax, financial, or legal advice. We do not guarantee that any Provider will contact you or offer you coverage. For advice specific to your situation, consult a qualified, licensed professional. We do not sell insurance products directly through the Site.

2. Acceptance of Terms
By accessing or using the Instant Med Quotes website and any related services, you agree to be bound by these Terms, along with our Privacy Policy and any other rules or policies we may publish from time to time. If you do not agree to these Terms, you may not access or use the Site.

The Site is intended only for individuals age 18 or older who are capable of forming a legally binding contract. By using the Site, you represent and warrant that you meet this requirement and that your use of the Site does not violate any applicable law.

We reserve the right to modify these Terms at any time. Changes are effective once posted to the Site, and your continued use of the Site after changes are posted constitutes your acceptance of the updated Terms. We recommend reviewing this page periodically.

3. Dispute Resolution by Binding Arbitration
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR RIGHTS. Before filing a claim against us, you agree to first contact us in writing at legal@instantmedquotes.com describing the dispute and the relief sought, so that we may attempt to resolve it informally. If the matter is not resolved within thirty (30) days, either party may initiate arbitration.

You agree that any dispute arising out of or relating to these Terms or your use of the Site — including disputes involving a Provider — will be resolved by binding, individual arbitration rather than in court, except that either party may bring an individual claim in small claims court. You and Instant Med Quotes each waive the right to a jury trial and the right to participate in a class, collective, or representative action.

Arbitration will be administered by a recognized arbitration provider under its consumer arbitration rules then in effect, before a single arbitrator, and will take place in the county where you reside unless otherwise agreed. For claims of $5,000 or less, you may choose whether the arbitration proceeds by documents only, by phone, or in person. We will pay arbitration filing and administration fees for claims under $10,000 as required by the arbitration provider's consumer rules.

If any part of this arbitration provision is found unenforceable, the remainder will still apply, except that if the class-action waiver above is found unenforceable, this entire arbitration section will be null and void and disputes will instead proceed in the courts described in Section 16 (Choice of Law and Forum) below. You may opt out of this arbitration provision by sending written notice to legal@instantmedquotes.com within thirty (30) days of first accepting these Terms.

DO NOT USE THIS SITE IF YOU DO NOT AGREE TO THIS ARBITRATION PROVISION.

4. Personal Use License
Access to the Site is free of charge. We grant you a limited, revocable, non-exclusive license to access the Site and its content solely to view it, learn about our services, and make inquiries to us. This license does not permit copying, aggregating, reproducing, or creating derivative works from the Site, nor does it permit use of bots, scrapers, spiders, or other automated data-collection tools without our prior written permission. Any use of the Site beyond what is described here is prohibited, and all rights not expressly granted are reserved by us.

5. Proprietary Rights & Downloading of Information
All content on the Site — including text, graphics, logos, images, and software (the "Content") — is protected by copyright, trademark, and other intellectual property laws, and is owned by Instant Med Quotes or our licensors. Content is provided solely for your personal, non-commercial use in accordance with Section 4 above. Copying or storing Content for any other purpose is prohibited without our prior written permission.

If you submit information to us through the Site, you grant Instant Med Quotes a non-exclusive, worldwide, royalty-free, sub-licensable license to use, store, and share that information as described in our Privacy Policy and as needed to provide our services, including sharing your Lead information with Providers.

6. Unauthorized Use
Unless we give you prior written consent, you agree not to:

Copy, republish, reproduce, frame, mirror, or distribute any part of the Site
Reverse engineer, decompile, or create derivative works from the Site or its Content
Use bots, spiders, or other automated tools to access, monitor, or copy the Site
Submit fraudulent or false information, or create a fraudulent inquiry or account
Post or transmit abusive, unlawful, defamatory, obscene, or fraudulent material
Interfere with or disrupt the Site's function, servers, or networks
Upload viruses, malware, or other harmful code
Attempt to gain unauthorized access to the Site or any related systems
Use the Site for any purpose other than making legitimate inquiries about our services
              

Unauthorized use of the Site is a breach of these Terms and may violate applicable law. We may terminate your access to the Site immediately if we believe you have violated this section.

7. Site Changes
We may change, suspend, or discontinue any part of the Site, including specific features or Content, at any time and without notice or liability to you. We may also restrict or limit your access to all or part of the Site at our discretion.

8. Our Privacy Policy
Your use of the Site is also governed by our Privacy Policy, which explains what information we collect, how we use and share it, and how you can exercise your privacy rights. Our Privacy Policy is incorporated into these Terms by reference.

9. Identity Verification
We encourage all Users to exercise appropriate caution when communicating or transacting with anyone they connect with through the Site, including Providers, and to independently verify the identity and credentials of anyone offering insurance products before providing sensitive personal or financial information.

10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, INSTANT MED QUOTES AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY LOST PROFITS OR ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SITE, YOUR INABILITY TO USE THE SITE, OR ANY TRANSACTION BETWEEN YOU AND A PROVIDER THAT ARISES IN CONNECTION WITH YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SITE IS LIMITED TO THE GREATER OF (A) THE AMOUNT OF FEES WE ACTUALLY RECEIVED FROM YOU IN THE CALENDAR MONTH THE CLAIM AROSE, OR (B) $200.00. Any claim relating to your use of the Site must be brought within one (1) year after the claim arises. Some jurisdictions do not allow the limitation of certain damages, so some of the above limitations may not apply to you.

11. Disclaimer of Warranties
THE SITE AND ALL CONTENT, SERVICES, AND MATERIALS MADE AVAILABLE THROUGH IT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING 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.

Insurance information provided on the Site is for educational purposes only. Always verify specific policy details, pricing, and coverage terms directly with the applicable insurance provider before making any decisions. Some jurisdictions do not allow the exclusion of certain warranties, so some exclusions above may not apply to you.

12. Release
If you have a dispute with a Provider or any other third party arising from your use of the Site, you release Instant Med Quotes and our agents, directors, officers, and employees from any claims, demands, or damages of any kind connected with that dispute. If you are a California resident, you waive California Civil Code Section 1542 to the extent it would otherwise limit the scope of this release, and residents of other states waive any similar statute of their own state.

13. Indemnity
You agree to indemnify and hold harmless Instant Med Quotes and our agents, directors, officers, and employees from any claims, liabilities, and costs (including reasonable attorneys' fees) arising from your use of the Site, your transactions or interactions with a Provider, any information you submit through the Site, or your breach of these Terms.

14. Proprietary Rights Notification (DMCA)
We respect intellectual property rights and will remove or disable Content that is properly reported as infringing. If you believe Content on the Site infringes your copyright or trademark, send a notice to legal@instantmedquotes.com that includes: (1) a signature of the rights holder or authorized agent; (2) identification of the work claimed to be infringed; (3) identification of the material you claim is infringing, with enough detail for us to locate it; (4) your contact information; (5) a statement that you have a good-faith belief the use is unauthorized; and (6) a statement, under penalty of perjury, that the notice is accurate and that you are authorized to act on the rights holder's behalf.

15. Trademarks
The Instant Med Quotes name, logo, and related marks are our trademarks. You may not display, reproduce, or otherwise use them without our prior written permission.

16. Choice of Law and Forum
These Terms are governed by the laws of the state in which Instant Med Quotes operates, without regard to conflict-of-law principles. Subject to Section 3 (Dispute Resolution by Binding Arbitration), you agree that the courts located in that state will have exclusive jurisdiction over any dispute not subject to arbitration, and you agree not to bring a claim against us in any other forum. Our failure to enforce any provision of these Terms is not a waiver of that provision.

17. No Agency
Nothing in these Terms creates an agency, joint venture, partnership, or employment relationship between you and Instant Med Quotes, or between Instant Med Quotes and any Provider. Providers are independent businesses, not our employees or agents.

18. Notices
Notices to us should be sent to legal@instantmedquotes.com. Notices to you will be sent to the most recent email address you have provided us and will be deemed received 24 hours after being sent, unless we are notified the address is invalid.

19. Amendments
We may change, modify, or update these Terms at any time by posting a revised version on the Site. Changes take effect immediately upon posting, and your continued use of the Site after that point constitutes acceptance of the revised Terms.

20. Links to Third-Party Sites
The Site may contain links to third-party websites. We do not control, endorse, or take responsibility for the content, privacy practices, or products of any third-party site. Use of any linked site is at your own risk, and links are provided solely as a convenience. Always verify the URL in your browser to confirm you are on the official Instant Med Quotes site.

21. Partial Invalidity
If any provision of these Terms is found invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will continue in full force and effect.

22. Acknowledgement
By using the Site, you acknowledge that you have read and understood these Terms and that they have the same force and effect as a signed agreement. These Terms confer no rights on any party other than you and Instant Med Quotes.