Terms of Use

1. Acceptance of Terms

These Terms of Use ("Terms") constitute a legal agreement between you and Call Engine Inc. ("Call Engine," "we," "us," or "our"), the operator of AutoQuoteHelp.com (the "Site"). By accessing or using the Site, by calling any telephone number displayed on the Site, or by otherwise interacting with our services, you accept and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, do not use the Site or call us.

2. Description of Service

AutoQuoteHelp.com is a marketing and lead-generation website that connects consumers seeking auto insurance quotes with licensed insurance agents, brokers, and carriers. When you call us or otherwise submit information through the Site, we may route your inquiry to one or more participating agents or carriers who may contact you to provide insurance quotes and related services.

The availability of agents, carriers, and specific insurance products varies by state, individual circumstances, and other factors, and may change at any time without notice.

3. We Are Not an Insurance Company

The Site provides a service through which we connect consumers with licensed insurance agents and carriers. Any quote, policy, coverage, terms, conditions, or premium will be provided by, and any contract for insurance will be between you and, the participating insurance carrier — not Call Engine Inc. or AutoQuoteHelp.com. The insurance carrier or agent will be solely responsible for all financial terms, underwriting, claims, customer service, and policy administration.

Insurance terms, conditions, eligibility requirements, premium rates, and product availability vary by carrier, by state, and by applicant qualifications. Receipt of a quote does not guarantee approval for coverage. The participating agent or carrier may perform a credit check, motor vehicle record (MVR) check, or otherwise verify any information you provide.

4. Eligibility

The Site is intended for use by adults who are at least 18 years of age and who reside in the United States. By using the Site or calling us, you represent and warrant that you are at least 18 years old and a U.S. resident, that you have the legal capacity to enter into a binding agreement, and that your use of the Site does not violate any applicable law.

5. Accuracy of Information

You agree to provide accurate, current, and complete information when interacting with us and any participating agents or carriers. Providing false, misleading, or incomplete information may result in the denial of insurance, cancellation of an issued policy, or other consequences imposed by the insurance carrier.

6. Phone & Communication Consent

By dialing one of our telephone numbers or providing your contact information through the Site, you expressly consent to be contacted by Call Engine Inc., our licensed insurance agent partners, and the insurance carriers they represent, at the telephone number(s), email address(es), and other contact information you provide or that you call from. You consent to receive such communications by any means — including telephone calls (including those made using an automatic telephone dialing system or an artificial or prerecorded voice), SMS or MMS text messages, and email — for the purpose of providing you with insurance quotes, related information, and any other communication related to your inquiry.

• Your consent is not a condition of purchasing any goods or services. You may receive insurance quotes by contacting insurance companies directly without using our Site.
• Standard message and data rates may apply for text messages.
• You may revoke your consent at any time by replying "STOP" to any text message, by following any opt-out instructions in an email, or by contacting us as described in Section 18.
• Calls may be recorded for quality assurance, training, and compliance purposes.

For additional detail regarding our communications practices, please review our Privacy Policy.

7. Intellectual Property

All content on the Site, including text, graphics, logos, icons, images, audio clips, software, and the overall design and layout, is the property of Call Engine Inc. or its licensors and is protected by United States and international copyright, trademark, and other intellectual property laws. "AutoQuoteHelp.com," the AutoQuoteHelp.com logo, and other marks displayed on the Site are trademarks or service marks of Call Engine Inc.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the content on the Site without our prior written consent, except that you may view, download, and print one copy of the materials for your personal, non-commercial use.

8. Prohibited Uses

You agree not to use the Site or our services in any way that:

• Violates any applicable federal, state, local, or international law or regulation
• Infringes any patent, trademark, trade secret, copyright, or other intellectual property right
• Involves transmission of any unsolicited commercial communication, spam, or other harassing material
• Impersonates any person or entity, or misrepresents your affiliation with any person or entity
• Attempts to gain unauthorized access to, interfere with, damage, or disrupt the Site or any servers, networks, or systems connected to the Site
• Uses any robot, spider, crawler, scraper, or other automated means to access the Site for any purpose without our express written consent
• Attempts to decompile or reverse-engineer any software contained on the Site
• Submits fraudulent quote requests or otherwise abuses the lead-routing functions of the Site

9. Third-Party Sites & Services

The Site may contain links to third-party websites, advertisements, or services that are not owned or controlled by Call Engine Inc., including the websites of insurance carriers and agents. We do not endorse and are not responsible for the content, privacy policies, or practices of any third-party website or service. Your interactions with any third party are solely between you and that third party, and your use of any third-party website is governed by that third party's terms and policies.

10. Disclaimer of Warranties

Without limiting the foregoing, Call Engine Inc. does not warrant that the Site will be uninterrupted, secure, error-free, or free of viruses or other harmful components; that any defects will be corrected; or that the information available through the Site is accurate, complete, reliable, current, or suitable for any particular purpose.

Any insurance quote you receive is provided by the participating agent or carrier and is subject to verification, underwriting approval, and the terms of the applicable insurance policy. Quotes are estimates only and are not a guarantee of coverage or final premium.

11. Limitation of Liability

To the fullest extent permitted by applicable law, the total liability of Call Engine Inc. arising out of or related to these Terms or your use of the Site, for any cause of action and regardless of the form of the action, will not exceed one hundred U.S. dollars ($100.00).

Some jurisdictions do not allow the exclusion or limitation of certain damages. To the extent such exclusions or limitations are prohibited by applicable law, the provisions above will apply to you only to the maximum extent permitted.

12. Indemnification

You agree to defend, indemnify, and hold harmless Call Engine Inc., its affiliates, and their respective officers, directors, employees, agents, licensors, and suppliers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or related to: (a) your violation of these Terms; (b) your use of the Site or our services; (c) your submission of false, misleading, or fraudulent information; or (d) your violation of any law or the rights of any third party.

13. Arbitration & Class Action Waiver

13.1 Agreement to Arbitrate

You and Call Engine Inc. agree that any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site (each, a "Dispute") will be resolved by binding individual arbitration, except that (a) either party may bring an individual action in small claims court, and (b) either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of a party's intellectual property rights.

13.2 Arbitration Rules

Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, as modified by these Terms. The arbitration will be conducted by a single arbitrator. The seat of arbitration shall be the United States, and the arbitration will be conducted in English. The arbitrator's decision will be final and binding, and judgment on the arbitration award may be entered in any court of competent jurisdiction.

13.3 Class Action Waiver

13.4 30-Day Right to Opt Out

You have the right to opt out of this arbitration agreement and class action waiver by sending a written notice of your decision to opt out to us at the address listed in Section 18 within thirty (30) days of first accepting these Terms. Your notice must include your name, address, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other provisions of these Terms.

13.5 Severability

If any part of this Section 13 is found to be unenforceable, that part will be severed and the remainder of the section will continue in effect, except that if the class action waiver in Section 13.3 is found unenforceable, then the entirety of Section 13 will be void.

14. Governing Law

These Terms and any Dispute arising out of or related to them or your use of the Site will be governed by the laws of the State of Delaware, without regard to its conflict of laws principles, except that the Federal Arbitration Act governs the interpretation and enforcement of the arbitration provisions in Section 13. Subject to Section 13, the parties agree that any action not subject to arbitration shall be brought exclusively in the state or federal courts located in Delaware, and each party consents to the personal jurisdiction of those courts.

15. Termination

We may suspend, restrict, or terminate your access to the Site at any time, with or without notice and with or without cause, including if we believe you have violated these Terms. Upon termination, all provisions of these Terms that by their nature should survive — including ownership provisions, warranty disclaimers, limitation of liability, indemnification, and arbitration — will survive.

16. Changes to These Terms

We may modify these Terms at any time, in our sole discretion. When we make material changes, we will revise the "Last updated" date at the top of these Terms and, where appropriate, provide additional notice. Your continued use of the Site after any such changes constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, your sole remedy is to stop using the Site.

17. Miscellaneous

Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Call Engine Inc. regarding your use of the Site and supersede any prior agreements between you and us on the subject matter.

Severability. If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision will be deemed severable from these Terms and will not affect the validity and enforceability of the remaining provisions.

No Waiver. Our failure to enforce any right or provision of these Terms will not be deemed a waiver of that right or provision.

Assignment. You may not assign or transfer these Terms or any of your rights or obligations under them without our prior written consent. We may assign these Terms in our sole discretion without notice to you.

Headings. Section headings are for reference only and do not affect the interpretation of these Terms.

18. Contact

If you have questions about these Terms, please contact us: