Producer Agreement

QuoteVault LLC — Effective 2026-08-25

This Producer Agreement (the "Agreement") is between QuoteVault LLC, an Alabama limited liability company ("QuoteVault," "we," "us," "our"), and the individual insurance producer or producer agency that executes this Agreement (the "Producer," "you," "your"). QuoteVault operates a service at https://getquotevault.com that lets consumers request insurance quotes and control which licensed insurance producers may contact them (the "Service"). This Agreement governs your participation in the Service.

By clicking to accept this Agreement, by executing a signature block referencing it, or by accessing the producer portion of the Service after being presented with it, you agree to be bound by it. If you do not agree, do not access the producer portion of the Service.

1. Definitions

• Producer — you, the individual insurance producer or producer agency that executes this Agreement.
• Consumer — an individual who submits a Quote Request through the Service.
• Quote Request — a request for insurance quotes submitted by a Consumer for one of the coverage types QuoteVault supports (currently automobile, homeowners, life, and renters).
• Relay — QuoteVault's protected message routing service, which lets a Consumer and a matched Producer exchange calls, text messages, and emails without QuoteVault disclosing the Consumer's real phone number or real email address unless the Consumer affirmatively releases them.
• Consent Version — the version of the QuoteVault Consumer Consent Disclosure a Consumer agreed to when submitting a Quote Request, together with the scope the Consumer selected (number of producers, contact methods, contact window, duration).
• Suppression List — QuoteVault's list of Consumer identifiers that must not receive further messaging through the Service, populated by Consumer revocation (including SMS STOP), opt-out, and administrative action.
• Participation Fee — a fee, if any, that QuoteVault charges you to receive a matched Quote Request, on the terms in Section 6. No Participation Fee applies unless Section 6's conditions for charging one are met.

2. Producer eligibility and licensure

You may participate in the Service only if all of the following are true and remain true throughout the term of this Agreement:

• You hold an active insurance producer license in every state for which you accept matched Quote Requests, for every coverage type for which you accept them. A license that is inactive, lapsed, suspended, revoked, or under regulatory action is not an active license.
• You have a valid National Producer Number (NPN) and have provided it to QuoteVault.
• You will not accept a matched Quote Request in a state or coverage type in which you are not actively licensed.

QuoteVault verifies your active licensure against publicly available state license registries (including NIPR and state department of insurance databases) at onboarding and periodically thereafter. You authorize those checks. If a check reveals your license has become inactive, lapsed, suspended, or revoked for a state or coverage type in which you receive matched Quote Requests, QuoteVault may immediately restrict or suspend your access under Section 8. You will notify QuoteVault at administration@getquotevault.com within five (5) business days of any change in your licensure status, any regulatory action initiated against you, any consumer complaint filed against you with a state regulator, and any material change in your producer agency.

3. Grant of access

Subject to your continued compliance with this Agreement, QuoteVault grants you a limited, non-exclusive, non-transferable, revocable right to access the producer portion of the Service and to receive matched Quote Requests. That grant is scoped to:

• the states and coverage types for which you have active licensure verified under Section 2; and
• the Consent Version scope of each Quote Request — number of producers, contact methods, contact window, and duration.

You have no right to receive any specific volume of matched Quote Requests, no right of first refusal, no exclusivity in any state or coverage type, and no right to any particular Consumer. QuoteVault decides which matched Quote Requests you receive, in its sole discretion, subject to the Consent Version scope.

4. Producer obligations

You will:

• Communicate with a matched Consumer only through the Relay, and only within the scope of that Consumer's Consent Version.
• Not attempt to identify, reverse-lookup, look up in any other database, or otherwise circumvent QuoteVault's masking to obtain a Consumer's real phone number, real email address, real name, or other identifying information without an affirmative release captured through the Service.
• Honor a Consumer's revocation of consent immediately, whether received directly from the Consumer (including SMS STOP or any other means) or communicated to you by QuoteVault. Not contact that Consumer through the Service for that Quote Request after revocation.
• Not use the Service to solicit or contact any person about a Quote Request you did not receive through the Service, and not use information you obtain through the Service for any purpose outside your response to the specific matched Quote Request.
• Comply with the Telephone Consumer Protection Act, the CAN-SPAM Act, state consumer-protection and Do-Not-Call laws, and all applicable state insurance regulations, including anti-rebating, replacement, suitability, and lead-generation registration rules for each state and coverage type in which you accept matched Quote Requests.
• Not make any statement to a Consumer that could reasonably be understood to imply QuoteVault is an insurance broker, insurance producer, or insurance agent; the insurance transaction is between you and the Consumer.
• Not use QuoteVault's name, trademarks, or branding except as QuoteVault authorizes in writing.

5. Consumer information handling

The masked identifiers you receive through the Relay — a QuoteVault relay phone number provisioned from Twilio, a per-request relay email address on the relay.getquotevault.com subdomain — are QuoteVault confidential and may be used only to communicate with the Consumer about that specific Quote Request through the Service. You will not disclose or transfer masked identifiers to any third party.

If a Consumer affirmatively releases real contact information to you for a specific Quote Request (by replying YES to a release request over SMS, by using the release control in the Consumer's QuoteVault account, or by any other method QuoteVault documents), your use of that real contact information is limited to communicating with that Consumer about that Quote Request and any resulting insurance policy and post-sale service.

Release is per-producer and per-Quote-Request: release to you does not release to other producers matched to the same Quote Request. Your communication with a released Consumer remains subject to the Consumer's ongoing preferences, applicable law, and the Consumer's continuing right to withdraw consent to further contact.

6. Participation Fee

QuoteVault charges you no fee to receive a matched Quote Request unless that fee has been disclosed to you in advance. A Participation Fee applies only where QuoteVault has published a fee schedule to you through the producer portal, or where you and QuoteVault have executed a separate written agreement setting out the fees for your participation. Absent one of those, no Participation Fee is owed and none is charged.

Where a Participation Fee applies, it is charged through Stripe, Inc., and the applicable fee schedule or executed agreement governs its amount, when it becomes payable, and whether and on what terms it is refundable. Where that document is silent on refunds, the Participation Fee is non-refundable except where a refund is required by applicable law.

QuoteVault may from time to time waive, discount, or promote any Participation Fee in its sole discretion. QuoteVault may introduce or change a Participation Fee structure by publishing a fee schedule through the producer portal or by notice under Section 16. A new or changed fee applies only to matched Quote Requests you accept on or after its effective date, and never retroactively; if you do not agree to it, your remedy is to stop accepting matched Quote Requests or to terminate this Agreement under Section 9.

7. Data and audit

QuoteVault maintains an audit log of your activity through the Service, including matched Quote Requests offered to you and accepted by you, messages sent through the Relay, releases of real contact information, Participation Fee purchases, and complaint records referencing you. You consent to that logging. QuoteVault uses the audit log to operate the Service, verify compliance with this Agreement, investigate complaints, and respond to lawful requests from state regulators.

On written request to administration@getquotevault.com, QuoteVault will provide you with the audit-log entries pertaining to your own activity within a reasonable time, subject to redaction of Consumer information you are not otherwise entitled to see and to any legal hold.

8. Suspension and termination for cause

QuoteVault may suspend your access immediately, without prior notice, and give you notice of the suspension as soon as practicable thereafter, if QuoteVault reasonably believes any of the following:

• You have violated the Telephone Consumer Protection Act, the CAN-SPAM Act, a state consumer-protection or Do-Not-Call law, or a state insurance regulation in connection with the Service.
• Your insurance producer license has become inactive, lapsed, suspended, or revoked for a state or coverage type in which you receive matched Quote Requests.
• You have attempted a reverse-lookup or otherwise circumvented QuoteVault's masking.
• You have exceeded the scope of a Consumer's Consent Version (for example, by contacting a Consumer outside the selected contact window, by a contact method the Consumer did not select, or after revocation).
• QuoteVault has received an established pattern of Consumer complaints identifying you, whether captured through QuoteVault's Complaint process or received from a state regulator.
• You have failed to pay a Participation Fee when due.
• You have filed for bankruptcy, become insolvent, made an assignment for the benefit of creditors, or had a receiver appointed over your assets.
• You have otherwise materially breached this Agreement.

Following suspension, QuoteVault may terminate this Agreement for cause by written notice, effective on the date stated in the notice. Suspension does not, by itself, terminate this Agreement or waive any of QuoteVault's other rights.

9. Termination without cause

Either party may terminate this Agreement without cause on thirty (30) days' prior written notice to the other. On termination for any reason:

• your right to receive matched Quote Requests ends;
• you must stop using the Service and stop using QuoteVault confidential information (including masked identifiers) for any purpose other than concluding communications with Consumers whose real contact information you received under an affirmative release before termination; and
• Sections 1, 4 (residual obligations), 5, 7, 8, 10, 11, 12, 13, 14, 15, and 17 survive termination.

10. Complaints and investigations

QuoteVault receives Consumer complaints through the Service, from state regulators, and from other sources, and stores complaint records identifying you in its Complaint records. You will cooperate in QuoteVault's investigation of any complaint that identifies you, including by providing communications, records, and other information QuoteVault reasonably requests, within the time QuoteVault specifies.

QuoteVault may share complaint records identifying you with a state insurance regulator, a state attorney general, or another law-enforcement or regulatory authority to the extent QuoteVault is required by law to do so, or to the extent QuoteVault reasonably believes disclosure is necessary to comply with its legal obligations, respond to a lawful request, or protect the rights, property, or safety of QuoteVault, Consumers, or others.

11. Producer representations and warranties

You represent and warrant to QuoteVault that:

• You hold an active insurance producer license in each state and coverage type for which you accept matched Quote Requests, as described in Section 2.
• You have the authority to enter into and perform this Agreement, and, if you execute it on behalf of a producer agency, you have the authority to bind that agency.
• You have disclosed to QuoteVault in writing every past or pending state insurance regulatory action, license suspension, license revocation, material Consumer complaint filed with a regulator, and criminal conviction arising from your insurance business.
• Your participation in the Service will comply with all applicable federal and state laws, including the Telephone Consumer Protection Act, the CAN-SPAM Act, state consumer-protection and Do-Not-Call laws, and state insurance regulations.

12. Indemnification

You will defend, indemnify, and hold harmless QuoteVault and its officers, directors, employees, and agents from and against any claims, damages, liabilities, losses, and expenses (including reasonable attorneys' fees) arising out of or related to:

• your violation of the Telephone Consumer Protection Act, the CAN-SPAM Act, or a state consumer-protection or Do-Not-Call law in connection with the Service;
• your violation of a state insurance regulation, including anti-rebating, replacement, suitability, or lead-generation registration rules;
• any communication or transaction you conduct with a matched Consumer outside the Service or outside the scope of the Consumer's Consent Version; or
• your breach of this Agreement, of any representation or warranty in Section 11, or of any applicable law.

QuoteVault will defend, indemnify, and hold harmless the Producer from and against any third-party claim that the Service, as delivered by QuoteVault, infringes a U.S. patent, U.S. copyright, or U.S. trademark. QuoteVault has no obligation for a claim arising from your combination of the Service with any product, service, or content not supplied by QuoteVault, from your use of the Service outside the scope permitted by this Agreement, or from your modification of the Service.

The party seeking indemnification will give the other prompt written notice of the claim, allow the indemnifying party to control the defense, and cooperate reasonably at the indemnifying party's expense.

13. Governing law; binding arbitration; class-action waiver

This Agreement is governed by the laws of the State of Alabama, without regard to its conflict-of-laws principles. Any dispute arising out of or related to this Agreement or the Service will be resolved as follows.

1. Informal resolution first. You and QuoteVault will first attempt to resolve any dispute informally. Contact us at administration@getquotevault.com describing the dispute; we will respond in writing within thirty (30) days. If we cannot resolve the dispute informally within sixty (60) days of first contact, the dispute proceeds to arbitration under paragraph 2.

2. Binding individual arbitration. Any dispute that is not resolved informally under paragraph 1 will be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Commercial Arbitration Rules, by a single neutral arbitrator, seated in Baldwin County, Alabama, or (at your election) conducted remotely. The Federal Arbitration Act, 9 U.S.C. §§ 1 et seq., governs the interpretation and enforcement of this arbitration agreement. Judgment on the award may be entered in any court of competent jurisdiction.

3. Class-action waiver. You and QuoteVault agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.

4. Exceptions. Nothing in this Section 13 prevents either party from (a) seeking injunctive or equitable relief in a court of competent jurisdiction to protect intellectual property, confidential information, or the integrity of the Service, or (b) bringing an individual claim in small-claims court where jurisdiction and the claim amount permit.

5. Opt-out. You may opt out of this arbitration agreement by sending written notice to administration@getquotevault.com within thirty (30) days after first accepting this Agreement, identifying yourself and stating that you decline to arbitrate. If you opt out, any dispute will proceed instead in the state or federal courts located in Baldwin County, Alabama, and both parties consent to personal jurisdiction and venue in those courts. Opting out of arbitration does NOT opt you out of the class-action waiver in paragraph 3, which continues to apply in any court proceeding.

6. Severability of this section. If the class-action waiver in paragraph 3 is held unenforceable as to a particular claim, that claim (and only that claim) will proceed in court under paragraph 5, with both parties consenting to the courts of Baldwin County, Alabama; the arbitration agreement remains in force as to all other claims. If the arbitration agreement itself is held unenforceable, the parties consent to the courts of Baldwin County, Alabama for all claims, and the class-action waiver in paragraph 3 continues to apply in court to the maximum extent permitted by law.

Note: some jurisdictions may not enforce all of these provisions; where any provision is unenforceable, it will be enforced to the maximum extent permitted and the remaining provisions will remain in effect.

14. Limitation of liability

To the maximum extent permitted by law, QuoteVault will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or related to the Service or this Agreement, whether based on contract, tort, statute, or any other legal theory, and whether or not QuoteVault has been advised of the possibility of such damages.

QuoteVault's total cumulative liability arising out of or related to the Service or this Agreement will not exceed the greater of (a) five hundred U.S. dollars (US$500) or (b) the aggregate amount you paid to QuoteVault in Participation Fees in the twelve (12) months preceding the event giving rise to the claim.

Some jurisdictions do not allow the exclusion or limitation of certain damages; in such jurisdictions, the exclusions and limitations above apply to the maximum extent permitted.

15. Confidentiality

You do not receive QuoteVault confidential information under this Agreement except as expressly described. The masked identifiers you receive through the Relay are QuoteVault confidential information subject to Section 5. You will not disclose masked identifiers, the terms of any non-public Participation Fee schedule, or any non-public QuoteVault operational information you receive through the producer portal, except to your employees or contractors who need to know it to perform under this Agreement and who are bound by confidentiality obligations at least as protective as this Section 15.

16. Amendments

QuoteVault may amend this Agreement from time to time by publishing a new version. QuoteVault will provide notice of a material amendment by email to the address associated with your producer account and by notice through the producer portal at least thirty (30) days before the amendment's effective date. Your continued use of the producer portion of the Service after the effective date of an amendment constitutes acceptance of the amended Agreement. If you do not agree to an amendment, your remedy is to terminate this Agreement under Section 9.

17. Miscellaneous

• Entire agreement; a separately executed agreement controls. This Agreement, together with the QuoteVault Terms of Service, the QuoteVault Privacy Policy, and any Participation Fee schedule published to you, constitutes the entire agreement between you and QuoteVault with respect to the Service. If you have executed a separate written agreement with QuoteVault covering your participation — including a Founding Producer Agreement — that agreement controls to the extent of any conflict with this Agreement, and this Agreement continues to apply to everything that agreement does not address.
• Severability. If any provision of this Agreement is held unenforceable, that provision will be enforced to the maximum extent permitted and the remaining provisions will remain in effect.
• No waiver. Our failure to enforce any provision is not a waiver of the right to enforce it later.
• Assignment. You may not assign this Agreement without QuoteVault's written consent. QuoteVault may assign this Agreement in connection with a merger, acquisition, sale of assets, or by operation of law.
• Notices. We may give you notice by email to the address associated with your producer account, by posting in the producer portal, or by any other reasonable means. You may give QuoteVault notice at administration@getquotevault.com.
• Counterparts. This Agreement may be accepted electronically and, if executed in signature-block form, may be executed in counterparts, each of which is an original and all of which together constitute one instrument.
• Relationship of the parties. The Producer is an independent contractor. Nothing in this Agreement creates a partnership, joint venture, agency, employment, or fiduciary relationship. QuoteVault is not an insurance broker, insurance producer, or insurance agent, and nothing in this Agreement authorizes the Producer to bind QuoteVault to any insurance transaction.

Contact

• Email: administration@getquotevault.com
• Website: https://getquotevault.com
• Mailing address: 28003 State Highway 181 Apt 2203, Daphne, AL 36526