Terms & Conditions
Last updated: April 25, 2026
These Terms & Conditions govern your access to and use of Quotero and any related pages, forms, and services operated by Quotero ("Company", "we", "our", or "us"). By using this website, you agree to these Terms. If you do not agree, do not use the website.
1. Service Description
Quotero is an independent advertising and lead generation platform. We are not an insurance carrier, broker, lender, or underwriting entity. We help users submit quote requests and connect with licensed third-party providers who may offer insurance products or related services.
2. Eligibility and Acceptable Use
You must be at least 18 years old and legally capable of entering into binding agreements to use this website. You agree not to use the website for unlawful, fraudulent, abusive, or misleading purposes.
3. No Guarantee of Quotes or Approval
Submission of a form does not guarantee quote availability, policy issuance, pricing, eligibility, or approval by any third-party provider. Any final offer, decision, or contract is made solely by the provider you are connected with.
4. Third-Party Providers and Websites
Providers operate independently and may have separate terms, disclosures, and privacy practices. We are not responsible for third-party content, actions, offers, products, services, or outcomes after you leave our website or interact with a provider.
5. Consent to Contact
By submitting your information, you expressly authorize Quotero and participating providers to contact you using the information provided, including by phone calls, prerecorded/artificial voice calls, SMS, and email, including via automated technology where permitted by law. Consent is not a condition of purchase.
6. TCPA Consent
Where applicable, you provide prior express written consent under the Telephone Consumer Protection Act (TCPA) to receive calls and text messages from Quotero and its marketing partners at the number you submit. Message frequency may vary. Message and data rates may apply. You may opt out of SMS by replying STOP and request help by replying HELP.
7. Intellectual Property
All website content, design elements, graphics, trademarks, software, and text are owned by or licensed to Quotero and protected by applicable intellectual property laws. You may not copy, modify, distribute, publish, or exploit website content without prior written permission.
8. Disclaimer of Warranties
This website and all content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant uninterrupted access, error-free operation, or complete accuracy.
9. Limitation of Liability
To the maximum extent permitted by law, Quotero and its affiliates, officers, employees, and partners are not liable for indirect, incidental, consequential, punitive, or special damages, or for loss of data, revenue, profits, or opportunities arising from your use of the website or third-party services.
10. Indemnification
You agree to defend, indemnify, and hold harmless Quotero and its affiliates from any claims, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising from your misuse of the website, violation of these Terms, or violation of applicable law.
11. Arbitration and Class Action Waiver
Any dispute arising out of or related to your use of this website shall be resolved by binding individual arbitration, except where prohibited by law or where claims may be brought in small claims court. You and Quotero waive any right to participate in class, consolidated, or representative actions.
12. Governing Law
These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles, except where superseded by applicable federal law.
13. Changes to These Terms
We may modify these Terms at any time. Updated versions become effective upon posting. Your continued use of the website after updates are posted constitutes acceptance of the revised Terms.
14. Contact
For legal or policy questions, contact us at legal@quotero.com.