Cognius, Inc.
Last Updated: March 4, 2026
PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE USING THIS SITE.
By (i) accessing AutoInsuranceSeekers.com, any branded, co-branded, or partner-hosted pages, or any other websites on which these Terms of Service reside (collectively, the "Site"), (ii) using any of our services, or (iii) accessing any of the Site's Content (as defined below), you are agreeing to the following Terms of Service (the "Terms"). These Terms include, without limitation, a binding arbitration provision (described in Section 2 below), our Privacy Policy, an E-Sign Consent, and any operating rules, policies, and procedures that may be published from time to time on this Site.
NOTE THAT THESE TERMS CONTAIN PROVISIONS THAT LIMIT OUR POTENTIAL LIABILITY TO YOU, AND THAT GOVERN THE RESOLUTION OF ANY DISPUTES BETWEEN YOU AND US, INCLUDING A BINDING ARBITRATION AGREEMENT AND A CLASS ACTION WAIVER.
If you do not agree to these Terms, you may not access or otherwise use the Site or the Content. The Terms constitute a legally binding agreement between you and us (Cognius, Inc., the operator of the Site). References in these Terms to “Site operator,” “we,” “us,” and “our” also include our affiliates, agents, partners, successors, and assigns. The Site is only available to, and may only be used by, individuals who can form legally binding contracts under applicable law. Without limiting the foregoing, the Site is intended for and made available only to residents of the United States who are 18 years of age or older. By accessing and using the Site, you (i) accept and agree without qualification to the Terms, and (ii) represent and warrant (a) that you have the authority to bind the User (as defined below) to these Terms, and (b) that your use of the Site, including the provision or use of any Content, does not violate any applicable law.
The Site acts as a portal and lead-generation marketplace that allows insurance agents, insurance companies, lead aggregators, and other similar parties (each, a "Provider") to offer and sell insurance and other products to potential consumers who have visited the Site and submitted a request to receive insurance quotations or other authorized information from a Provider (each such requesting consumer, a "Prospect"). All Prospects and potential Prospects that use the Site are collectively called the Site's "Users" (and hereafter may be referred to as "you" or "your").
By choosing to become a Prospect, you authorize us to collect certain information about you (a "Lead") and to share that Lead with one or more Providers. Upon completing any of the form(s) available on or through the Site, you may be presented with multiple insurance options from one or more Providers.
We are not responsible for the legality, safety, or quality of the products offered for sale by Providers, the accuracy or veracity of the representations regarding their products, the ability of Providers to sell their products, or the ability of Prospects (including you, if applicable) to pay for the offered products. For all purposes under these Terms, we are an independent contractor. We do not issue insurance contracts or bind coverage of any kind. We are not responsible, nor do we assume any financial or other liability whatsoever, for the conduct of any Prospect or Provider.
We do not endorse or recommend any Providers or insurance policies or other related products offered by Providers. We do not provide any type of insurance, tax, financial, legal, or any other advice. We do not guarantee that any Provider to whom we send a Prospect's information will contact the Prospect or agree to provide the Prospect with the requested insurance coverage. If you would like personal advice or specific insurance policy recommendations, please consult with a qualified professional. Be advised that we do not offer, sell, or underwrite any insurance or other products shown on the Site.
We are paid a marketing lead-generation fee by Providers for the services we provide. Thus, the options presented to you after you complete a form on or through our Site may be from companies from whom we receive compensation. Such compensation may impact how and where options appear. Your use of the Site or our services constitutes your awareness and acknowledgment of these compensation arrangements. We do not include all insurance products, services, offers, or providers available in the marketplace.
PLEASE CAREFULLY READ THIS SECTION, WHICH AFFECTS YOUR LEGAL RIGHTS.
You agree to attempt in good faith to resolve any dispute or claim that may arise between you and us under these Terms or relating in any way to your use of the Site or the Content (each, a "Claim"), by way of consultations initiated upon written notice by any party to the Claim to the other (the "Consultation Notice"). The Consultation Notice must describe the nature and basis of the Claim and set forth the specific relief sought. If such a Claim cannot be resolved within thirty (30) days after the Consultation Notice is received, any party may initiate an arbitration proceeding upon written demand to the other party (a "Demand") in accordance with the remainder of this Section 2. Any Demand to us should be addressed to: [email protected] ("Notice Address").
You agree to the individualized arbitration of all Claims between you and us that cannot be amicably resolved in accordance with the foregoing paragraph. This agreement to arbitrate is intended to be broadly interpreted. It includes within its scope, but is not limited to: (a) Claims arising out of or relating to any aspect of your relationship with us, whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory; and (b) Claims that could be alleged as class action Claims (but for your agreement to waive the right to participate in any class proceeding in accordance with this Section 2). For the avoidance of doubt, references in this Section 2 to "Site operator," "we," "Prospect," "you," and "us" include our respective subsidiaries, affiliates, agents, employees, predecessors in interest, successors, and assigns, as well as all authorized or unauthorized Users or beneficiaries of the services, information, or Site Content available through the use of the Site.
This arbitration agreement does not preclude you from bringing an individual action in small claims court if your Claims qualifies, and so long as the matter remains in such court and advances only on an individual (non-class, non-representative) basis. Further, this arbitration agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies (including, for example, the Federal Communications Commission or the Federal Trade Commission).
You agree that, by entering into this arbitration agreement, you and we are each waiving our respective rights to a trial by jury or to participate in a class or representative action, and that arbitration of disputes pursuant to this Section 2 shall be in your individual capacity. THIS MEANS YOU ARE LIMITING YOUR RIGHT TO APPEAL AND ARE WAIVING YOUR RIGHTS TO OTHER AVAILABLE RESOLUTION PROCESSES, SUCH AS A COURT ACTION. THE ARBITRATOR MAY NOT CONSOLIDATE, COMBINE, OR JOIN THE CLAIMS OF OTHER PARTIES WHO MAY BE SIMILARLY SITUATED OR OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING. You acknowledge and agree that the Federal Arbitration Act governs the interpretation and enforcement of this provision.
Any arbitration hereunder will be administered by the American Arbitration Association (“AAA”) under its then-prevailing rules and procedures, including the AAA’s Supplementary Procedures for Consumer-Related Disputes (collectively, the “AAA Rules”), if and as modified by these Terms, and will be presided over and decided by a single arbitrator with relevant industry experience appointed in accordance with the AAA Rules. The AAA Rules are currently available at https://www.adr.org/Rules or by calling (800) 778-7879. The arbitrator shall be bound by these Terms and shall apply Delaware substantive law consistent with the Federal Arbitration Act and applicable statutes of limitations, and shall honor claims of privilege recognized at law. All issues are for the arbitrator to decide, including, without limitation, issues relating to the applicability and enforceability of this arbitration agreement.
Unless otherwise mutually agreed by the parties to the arbitration, any arbitration hearings under this Section 2 will take place in the county where you are domiciled. If your Claim is for $5,000 or less, you may choose whether the arbitration will be conducted solely on the basis of documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing as established by the AAA Rules. If your Claim exceeds $5,000, the right to a hearing will be determined by the AAA Rules.
Except as otherwise provided for in this Section 2, in any arbitration between you and us where the Claims for damages do not exceed $10,000, all AAA filing, administration, and arbitrator fees shall, upon your written request, be paid by us. If the value of the relief sought is more than $10,000, and you are able to demonstrate that the costs of arbitration would be prohibitive as compared to the costs of litigation, we will pay as much of the filing, administration, and arbitrator fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. If, however, the arbitrator finds that either the substance of your Claims or the relief sought in the Demand is frivolous or brought for an improper purpose, you agree to reimburse us for all monies previously disbursed that would otherwise have been your obligation to pay under the AAA Rules.
The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief, and only to the extent necessary to provide relief warranted by that party's individual Claim (which could be in the form of a respondent's counterclaim). The arbitrator shall not be bound by rulings in any prior arbitrations involving our other Users, but shall be bound by rulings in any prior arbitrations involving the same User to the extent required by applicable law.
With the exception of the provisions above prohibiting class arbitration or representative proceedings, if an arbitrator or court of competent jurisdiction decides that any part of this Section 2 is invalid or unenforceable, the other parts of this Section 2 shall still apply to the maximum extent possible. In the event that the foregoing prohibition on class arbitration or representative proceedings is deemed invalid or unenforceable, then the entirety of this Section 2 shall be null and void. The remainder of the Terms, including without limitation Section 15 (Choice of Law and Forum), will remain in force.
You may opt out of this arbitration provision only by written notice to us at the Notice Address within thirty (30) days of your acceptance of these Terms, which notice shall include your name, address, and a clear statement that you do not wish to resolve disputes with us through arbitration.
If we make any change to this arbitration provision (other than a change to the Notice Address) during the term of your relationship with us, that change shall not apply to any Claim against us initiated prior to the effective date of the change. The change shall apply to all other Claims that have arisen or may arise between you and us. We will notify you of changes to this arbitration provision by posting the amended terms on the Site or by email, in each case at least thirty (30) days before the effective date of the changes.
Notwithstanding anything to the contrary in these Terms, Providers shall be third-party beneficiaries of the rights to alternative dispute resolution and arbitration set forth in this Section 2, and each Provider shall have the right, at its election, to enforce this Section 2 with respect to any Claims involving a User as if such Provider were a party to the agreement to arbitrate set forth in this Section 2. This means that in the event of any dispute or Claim between you and a Provider that is based on or relates in any way to your use of the Site or the Content, that Claim may be subject to arbitration as set forth above.
DO NOT USE THIS SITE IF YOU DO NOT AGREE TO THE FOREGOING BINDING ARBITRATION PROVISIONS.
By submitting your information through the Site (or any form displaying similar consent language), you provide your prior express written consent to be contacted by us, our partners, and one or more Providers (or their agents) regarding insurance products, services, and related offers. You agree that such contact may be made by telephone (including calls using an automatic telephone dialing system or prerecorded or artificial voice messages), text message (SMS/MMS), email, or mail at any telephone number or address you provide. You understand that your consent is not required as a condition of purchasing any goods or services, and that you may revoke your consent at any time.
You may revoke your consent to receive communications from us at any time by contacting us at the Notice Address or by following the unsubscribe instructions in any email or text message you receive. If you wish for a specific Provider to stop contacting you, please contact that Provider directly. We are not responsible for a Provider's failure to comply with your request to cease communications.
We do not charge Users to access the Site. We grant each User a limited, revocable, non-exclusive license to access the Site and the text, images, maps, files, photos, information, and other materials on the Site (the "Content") in order to view, access, or make inquiries to us regarding our services, in accordance with these Terms. Any other use of the Site is expressly prohibited. This limited license does not include any right of display, copying, aggregation, collection, or derivative use of the Site nor any right to use spiders, data mining, robots, or similar data extraction and gathering tools without our prior express written permission. Any rights not expressly granted herein are reserved by us.
All Content and the Site itself are protected by copyright and database rights as a compilation and/or collective work, pursuant to U.S. copyright laws, other copyright laws, trademark laws, and international conventions. The Content is only for each User's personal use in accordance with Section 4 (Personal Use). All Users agree to abide by these Terms and any and all additional information, restrictions, or copyright notices contained in or relating to any Content on the Site. Copying or storing any Content other than for noncommercial, personal use is expressly prohibited without prior written permission from us or the applicable copyright holder.
You acknowledge and agree that Cognius, Inc. and its respective affiliates own the data gathered through the Site and any associated applications. By displaying, publishing, or otherwise posting Content on or through the Site, you hereby grant to us a non-exclusive, sub-licensable, irrevocable, worldwide, fully paid, royalty-free license to use, modify, publicly display, reproduce, publish, and distribute such User Content in any and all media now known or hereafter developed without the requirement to make payment to you or any third party or to seek your or any third party's permission.
Unless otherwise provided herein, or unless otherwise allowed under applicable law, you may not do any of the following without our prior written consent: upload, post, display, copy, republish, reproduce, transmit, or distribute any Content in any form whatsoever; reproduce any portion of the Site on your website or using any device, including but not limited to use of a border or frame environment around the Site; reverse engineer, disassemble, copy, or duplicate any part of the Site; modify, translate, or create derivative works from any Content or part of the Site; offer for sale, sell, license, or transfer any portion of the Site to any third parties; use any spider, robot, or other automated device to copy, monitor, or maintain a database copy of the Content; use the Site other than to make legitimate inquiries; use the Site to create any fraudulent or false inquiry or account; transmit any abusive, threatening, unlawful, defamatory, or obscene material; access or use the Site in any way that adversely affects the functionality or performance of the Site; transmit viruses, worms, Trojan horses, or other harmful code; or attempt to gain unauthorized access to the Site or any related computer system.
Unauthorized access to and/or use of the Site, or the telecommunications or computer facilities used to deliver the Site, is a breach of these Terms and a violation of law. If you are or become aware of any Content, activity, or communication through or in connection with the Site that appears to be in violation of the above, or in violation of any other provision of these Terms, we ask that you please inform us of any such violation by sending prompt notification to the Notice Address.
We may change, discontinue, or suspend any aspect of the Site at any time, including the availability of any Site features, Content, or database. We may also impose limits on certain services or features or restrict your access to all or part of the Site without notice to you or liability to us.
When you use the Site, you consent to the collection and use of your personally identifiable information in accordance with the Privacy Policy, which is incorporated into these Terms. Our Privacy Policy explains our information collection practices and safeguards, how we use and share your information, and how to opt out of receiving communications from us. You acknowledge that if and when you are redirected to a co-branded partner form, the partner's own privacy policy may also apply to the information you provide on that form. We encourage you to review any such partner's privacy policy before submitting your information.
We encourage all Users to use appropriate caution when interacting with anyone with whom you may be doing business – specifically via the Site or generally via the Internet.
IN NO EVENT WILL WE OR ANY OF OUR OFFICERS, DIRECTORS, SHAREHOLDERS, OR EMPLOYEES BE LIABLE TO YOU FOR ANY LOST PROFITS, LOSS OF REVENUE, OR ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES ARISING OUT OF, BASED ON, OR RESULTING FROM YOUR USE OF THE SITE, YOUR INABILITY TO USE THE SITE, OR ANY TRANSACTION BETWEEN YOU AND US OR BETWEEN YOU AND ANY PROVIDER THAT IS ENABLED BY OR ARISES IN CONNECTION WITH YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THESE LIMITATIONS AND EXCLUSIONS APPLY WITHOUT REGARD TO WHETHER THE DAMAGES ARISE FROM (i) BREACH OF CONTRACT, (ii) BREACH OF WARRANTY, (iii) STRICT LIABILITY, (iv) TORT, (v) NEGLIGENCE, (vi) STATUTE, OR (vii) ANY OTHER CAUSE OF ACTION, TO THE MAXIMUM EXTENT SUCH LIMITATIONS AND EXCLUSIONS ARE NOT PROHIBITED BY APPLICABLE LAW.
IN ALL EVENTS, OUR LIABILITY TO YOU OR TO ANY THIRD PARTY IN ANY CIRCUMSTANCE ARISING OUT OF OR IN CONNECTION WITH THE SITE IS LIMITED TO THE GREATER OF (a) THE AMOUNT OF FEES ACTUALLY RECEIVED BY US FROM YOU DURING THE CALENDAR MONTH DURING WHICH ANY SUCH ALLEGED CLAIM(S) ACCRUED, AND (b) $200.00. ANY CAUSE OF ACTION YOU MAY HAVE HEREUNDER OR WITH RESPECT TO YOUR USE OF THE SITE MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CLAIM OR CAUSE OF ACTION FIRST ARISES.
SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL, CONSEQUENTIAL, OR OTHER DAMAGES; AS A RESULT, THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU – EITHER AT ALL, OR TO THE EXTENT DAMAGES TO YOU ARE THE RESULT OF OUR NEGLIGENT, FRAUDULENT, OR RECKLESS ACT(S) OR INTENTIONAL MISCONDUCT.
THE SITE, INCLUDING ALL CONTENT, SERVICES, FUNCTIONS, SOFTWARE, MATERIALS, AND INFORMATION MADE AVAILABLE ON OR ACCESSED THROUGH THE SITE, IS PROVIDED ON AN "AS IS, AS AVAILABLE" BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT ON THE SITE OR THE SERVICES, INFORMATION, FUNCTIONS, AND MATERIALS AVAILABLE THROUGH THE SITE, FOR ANY SERVICES OR PRODUCTS OR HYPERTEXT LINKS TO THIRD PARTIES, OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SITE OR ANY LINKED SITE. FURTHER, WE EXPRESSLY DISCLAIM ALL EXPRESS OR IMPLIED WARRANTIES, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF NON-INFRINGEMENT, TITLE, MERCHANTABILITY, AND/OR FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE FUNCTIONS ON THE SITE OR ANY SERVICES, CONTENT, OR MATERIALS CONTAINED THEREIN WILL MEET YOUR NEEDS, BE COMPLETE OR ACCURATE, BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
ANY MATERIAL OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SITE IS DONE AT THE USER'S OWN DISCRETION AND RISK, AND THE USER WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO THE USER'S COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OR USE OF SUCH MATERIAL OR DATA. NO INFORMATION OBTAINED BY A USER THROUGH THE SITE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. ACCORDINGLY, SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU, IN WHOLE OR IN PART.
In the event that you have a dispute with any Provider, Prospect, or other third party, including without limitation any other User of the Site, arising from or in connection with the use of the Site, you hereby agree to release, remise, and forever discharge us and our agents, directors, officers, employees, shareholders, and all other related persons or entities from any and all manner of Claims, rights, complaints, demands, causes of action, proceedings, obligations, liabilities, legal fees, costs, and disbursements of any nature whatsoever, whether known or unknown, which now or hereafter arise from, relate to, or are connected with such third-party dispute or your use of the Site.
If you are a California resident, you hereby waive California Civil Code Section 1542, which says: "A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party." If you are a resident of a state other than California, you explicitly waive the terms and protections of any statute of your own state that has a similar import or intent.
You hereby agree to indemnify, defend, and hold us and our agents, directors, officers, employees, shareholders, and all other related persons or entities (collectively, the "Indemnified Parties") harmless from and against any and all liability and costs (including reasonable attorneys' fees and court costs) incurred by any of the Indemnified Parties in connection with any Claim arising out of your use of the Site or the Content thereon (including, without limitation, as a result of any transaction or interaction between you and a Provider or any of Provider's affiliates, partners, or agents that is enabled by or arises in connection with your use of the Site), any information or data you access or provide through the Site, and any act (or failure to act) by you or other Users of your account or any breach by you of these Terms, including, without limitation, the representations, warranties, and covenants made by you herein.
We do not permit copyright- or trademark-infringing activities or any other infringement of intellectual property rights on the Site, and we will remove or modify (or ask you to remove or modify) Content if we are properly notified that such Content infringes on another's intellectual property rights. If you are a copyright or trademark owner or an agent thereof and believe that any Content in any public area of the Site infringes upon or otherwise conflicts with your proprietary rights, you may submit a notification pursuant to the Digital Millennium Copyright Act ("DMCA") by providing our copyright agent with the following information in writing (see 17 U.S.C. § 512(c)(3) for further detail): a physical or electronic signature of a person authorized to act on behalf of the owner; identification of the proprietary work claimed to have been infringed; identification of the material that is claimed to be infringing and information reasonably sufficient to permit us to locate the material; information reasonably sufficient to permit us to contact you; a statement that you have a good-faith belief that use of the material in the manner complained of is not authorized; and a statement that the information in the notification is accurate and, under penalty of perjury, that you are authorized to act on behalf of the owner. Please use the Notice Address for any such DMCA notification.
Cognius, Inc. is a Delaware corporation, and these Terms are governed by the laws of the State of Delaware (excluding its conflict of laws rules) and applicable federal law. Subject to Section 2 (Dispute Resolution by Binding Arbitration), you irrevocably agree that the sole and exclusive jurisdiction and venue of any legal proceedings against us shall be in the federal and/or state courts sitting in Wilmington, Delaware. You covenant not to sue us in any other forum for any cause of action. Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of any such right or provision. Subject to Section 2, if for any reason a court of competent jurisdiction finds any provision of these Terms, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to accomplish the intent of these Terms, and the remainder of these Terms shall continue in full force and effect.
The relationship between the Company and each User and Provider is that of independent contractors, and no agency, joint venture, partnership, employee-employer, or franchiser-franchisee relationship is intended or created by these Terms or your use of the Site.
Our logos, the AutoInsuranceSeekers name, and our other product and service names are our trademarks (the "Marks"). You agree not to display, reproduce, or otherwise use in any manner such Marks without our prior written permission.
Except as explicitly stated otherwise, any notices sent from you to us shall be submitted via email to the Notice Address. When we need to send a notice to you, it shall be sent to the email address you last provided to us. Notice shall be deemed given upon receipt, or twenty-four (24) hours after an email is sent, unless the sending party is notified that the email address is invalid. Alternatively, we may give you notice by certified mail, postage prepaid and return receipt requested, to the address last provided to us by you. In such cases, notice shall be deemed given three (3) days after the date of mailing.
We reserve the right to change, modify, add, or remove any portion of these Terms, in whole or in part, at any time. Notification of changes to these Terms will be posted on the Site and will be effective immediately thereafter. Your continued use of the Site following the posting of any such changes, modifications, or amendments to these Terms will constitute your acceptance thereof. These Terms may not otherwise be modified, except in a writing signed by both parties. No delay or failure on the part of either party in exercising any right or remedy hereunder shall operate as a waiver thereof or of any other right or remedy. No waiver whatsoever shall be valid unless in writing, signed by the party to be charged, and then only to the extent set forth therein. These Terms (including, without limitation, the E-Sign Consent and binding arbitration provisions) and the Privacy Policy constitute the entire agreement between us and each of our Users with respect to the matters addressed herein.
This Site may contain links to other Internet sites, including co-branded partner pages. We are not responsible for the availability of such external sites or resources, and do not endorse and are not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. We shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, products, or services available on such external sites or resources. We provide these links and references to you only as a convenience, and inclusion of any link or reference does not imply endorsement of the third-party website or other resource.
The invalidity or unenforceability of any one or more sections of these Terms shall not affect the validity or enforceability of its remaining provisions.
You acknowledge that you have read and understand these Terms, and that these Terms have the same force and effect as a signed agreement. These Terms shall confer no rights upon any other party other than the parties hereto (and any Providers electing to enforce Section 2).
In this E-Sign Consent, the following definitions apply: (i) "You" and "your" refer to you, the User; (ii) "We," "us," and "our" refer to the Site operator and its affiliates (including, without limitation, Cognius, Inc.), agents, successors, and assigns. By clicking any "I agree," "Get Quotes," "Submit," or similar button, which you adopt as your electronic signature, you consent and agree that:
We can provide you disclosures required by law, and other information about your legal rights and duties, electronically. Your electronic signature on agreements and documents has the same effect as if you signed them in ink. We can send all communications and disclosures, including, but not limited to, this E-Sign Consent, the telephone and email contact consent, and the Privacy Policy and Terms of Service (collectively defined as "Disclosures") to you electronically: (1) via email; (2) by access to a website that we designate in an email notice we send to you at the time the information is available; or (3) to the extent permissible by law, by access to a website that we generally designate in advance for such purpose.
If you would like a paper copy, you can print a copy of the Disclosures or download the information for your records. This consent applies to: (1) your use of products and services offered by us; (2) all future Disclosures associated with us; and (3) all future transactions with us, at any time, and to other Disclosures that we provide to you by email, unless you have, prior to such transaction, withdrawn your consent by the procedure mentioned below.
You understand that, to access and retain the electronic Disclosures, you will need: a computer or mobile device with an Internet connection; a current web browser that includes 128-bit encryption with cookies enabled; a valid email address; and sufficient storage space to save Disclosures and/or an installed printer to print them.
Any withdrawal of your consent to receive electronic Disclosures will be effective only after we have a reasonable period of time to process your withdrawal. You understand and agree that if you withdraw your consent to receive electronic Disclosures, we may – though we are not obligated to – cancel your account. You can update the email address to which we will send alerts that Disclosures are available by contacting us at the Notice Address.
By consenting, you agree that electronic Disclosures have the same meaning and effect as if we provided paper Disclosures to you. You understand and agree that Disclosures are considered received by you within twenty-four (24) hours of the time posted to our website, or within 24 hours of the time emailed to you unless we receive notice that the email address is invalid.
We do not sell insurance or bind coverage on the Site. Instead, we provide a service to help Providers offer and sell insurance products to you and other Prospects who have visited the Site and submitted a request to receive insurance quotes or other insurance-related information from a Provider. We make no representation or warranty as to: (a) the quality, safety, suitability, or legality of insurance-related products or services offered by any Provider; (b) the truth, accuracy, or completeness of Providers' representations regarding such products; (c) the ability of specific Providers to offer or sell certain insurance-related products or services; or (d) your ability to pay for insurance-related products or services offered by Providers.
We do not guarantee that any Provider to whom we may transmit your information will contact you or agree to provide you with desired coverage. Providers, and not Cognius, Inc., establish and maintain approval standards and determine the criteria necessary to receive insurance quotes and coverage. You should review each Provider's terms and conditions to determine which offer may work best for you and your personal situation. We do not guarantee that rates or terms advertised or offered by Providers include the lowest or most favorable rates or terms available in the market. All rates, fees, and other terms are presented without guarantee and are subject to change at any time based on each Provider's discretion. Products and services offered by Providers may only be available to residents of states where Providers are authorized to conduct business.
If you have any questions regarding any of these Terms, please contact us by emailing us at the Notice Address.
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