Terms of Service

QuoteVault LLC — Effective 2026-07-17

These Terms of Service ("Terms") govern your access to and use of the QuoteVault service at https://getquotevault.com and all related features (together, the "Service"). By using the Service, you agree to these Terms. If you do not agree, do not use the Service.

The Service is operated by QuoteVault LLC ("QuoteVault," "we," "us," "our"), an Alabama limited liability company. If you have questions, contact us at administration@getquotevault.com.

1. What QuoteVault does

QuoteVault operates a service that lets consumers request insurance quotes and control which licensed insurance producers may contact them. Consumers submit quote requests for the coverage QuoteVault supports — automobile, homeowners, life, and renters insurance — and are matched with insurance producers who hold an active license in the consumer's state for the coverage they selected. QuoteVault operates a protected message relay so that consumers and producers can communicate about the quote request without QuoteVault disclosing the consumer's real phone number or email address unless the consumer affirmatively releases them.

QuoteVault is the sender of every call, text message, and email that reaches a consumer through the Service. Matched producers communicate with a consumer only through QuoteVault's relay, and only under the scope of that consumer's consent to QuoteVault. Producer participation is governed by the QuoteVault Producer Agreement.

QuoteVault is a technology service and matching platform. QuoteVault is not an insurance broker, insurance producer, or insurance agent. QuoteVault does not underwrite insurance, does not solicit specific insurance products, and does not provide insurance quotes or advice. QuoteVault does not sell consumer information to any third party. All quotes, coverage recommendations, and policy-related discussions are between you and the matched producer, who is independently licensed and acts on their own behalf.

2. Who can use the Service

Consumers

You may use the Service as a consumer only if you are:

• At least eighteen (18) years old;
• A resident of the United States and, at least during our initial launch, of the State of Alabama or another state we support;
• Legally competent to enter into these Terms and give consent under the Telephone Consumer Protection Act; and
• Submitting a quote request for yourself or on behalf of someone who has authorized you to do so.

Producers

You may use the Service as an insurance producer only if you:

• Are individually or as an agency licensed as an insurance producer in each state in which you accept matched requests through the Service, for each coverage type for which you accept matched requests;
• Have executed the QuoteVault Producer Agreement then in effect;
• Comply with the Telephone Consumer Protection Act, all applicable state insurance regulations, and QuoteVault's platform policies;
• Communicate with a matched consumer only through QuoteVault's relay, and only within the scope of that consumer's consent (number of producers, contact methods, contact window, and duration); and
• Do not use the Service to solicit quote requests you did not receive through the Service.

3. Consent and the relay

The QuoteVault relay operates only under a valid consumer consent captured under the QuoteVault Consumer Consent Disclosure. Producers accept matched requests through the Service subject to that consent's scope. A producer who exceeds the consent's scope violates these Terms and the Producer Agreement.

Consumers may revoke consent at any time as described in the Consumer Consent Disclosure. On revocation:

• The relay for the affected quote request is closed;
• Matched producers may no longer contact the consumer through the Service; and
• The consumer's number is added to a suppression list so that a re-consent through the Service is blocked unless the consumer affirmatively re-subscribes.

Mobile opt-in data and messaging consent — carve-out

Your mobile opt-in data and your consent to receive automated calls or text messages from QuoteVault are not sold, rented, shared, leased, or otherwise transferred to any third party or affiliate for that third party's or affiliate's own marketing, advertising, or promotional purposes. Service providers that help operate the messaging relay (for example, Twilio Inc. as our telecommunications provider) receive your identifiers only to route the messages you asked for through the Service, and only under contractual restrictions that prohibit use for their own marketing.

Matched producers reach you only through QuoteVault-issued masked identifiers and only within the scope of your consent to QuoteVault. Producer receipt of a masked identifier is not a sale, sharing, or transfer of your mobile opt-in data or your messaging consent for the producer's own marketing purposes. A producer may contact you directly outside the Service only if you have affirmatively released your real contact information to that producer, in which case the terms of any resulting direct communication are between you and that producer.

4. Accounts

If you create a QuoteVault account, you are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify QuoteVault promptly at administration@getquotevault.com of any unauthorized use. We may suspend or terminate an account that we reasonably believe is being used in violation of these Terms.

5. Payment

Consumer intake currently includes a one-time intake fee of ninety-nine cents (US$0.99) per quote request, processed through Stripe, Inc. Where the intake fee is charged, it covers the setup of your encrypted relay for that request. QuoteVault may from time to time waive the intake fee, offer promotional pricing, or run the Service without the fee; the amount charged is disclosed on the checkout step of your quote flow before you complete the payment. The intake fee is non-refundable except where required by law or as we specifically state.

Producer participation is a separate arrangement between QuoteVault and each producer, governed by the QuoteVault Producer Agreement. QuoteVault may charge a producer a participation fee for access to matched requests; those arrangements are not part of consumer intake and are not visible to consumers.

6. Acceptable use

You may not, and may not permit anyone else to:

• Use the Service to contact anyone in violation of the Telephone Consumer Protection Act, the CAN-SPAM Act, state consumer-protection or Do-Not-Call laws, or state insurance regulations;
• Provide false, misleading, or fraudulent information in a quote request or registration;
• Interfere with, disrupt, or attempt to gain unauthorized access to the Service, including probing, scanning, or testing the vulnerability of any system or network without authorization;
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the Service, except to the extent applicable law prohibits such a restriction;
• Use automated means (bots, scrapers) to access the Service, except as expressly permitted through a documented public interface;
• Submit or transmit malicious code;
• Use the Service to send unsolicited commercial communications;
• Impersonate any person or entity; or
• Use the Service in a manner that could reasonably be expected to harm QuoteVault, its users, or its business, or that violates any applicable law.

7. Consumer information; producer obligations

A producer who receives a matched request through the Service acknowledges and agrees:

• The masked relay identifiers the producer uses to reach a consumer through the Service are confidential and may be used only to communicate with the consumer about that consumer's quote request through the Service. A producer does not receive the consumer's real phone number or real email address at match time.
• The producer will not attempt to identify, reverse-lookup, or otherwise circumvent QuoteVault's masking to obtain the consumer's real contact information without an affirmative release under the Consumer Consent Disclosure.
• If a consumer releases real contact information to the producer, the producer may use that information only to communicate with the consumer about that quote request and any resulting policy, in compliance with applicable law and the consumer's stated preferences.
• The producer will honor the consumer's revocation of consent, including any STOP received directly from the consumer, and will not contact the consumer through the Service after revocation for that quote request.

8. Content and license

Consumers own the quote-request information they submit. Producers own the quote content and advice they generate. Each of you grants QuoteVault a limited, non-exclusive, royalty-free license to receive, store, process, transmit, and display your content as necessary to operate the Service, comply with legal obligations, and enforce these Terms.

The Service itself, including its software, design, and content authored by QuoteVault, is the property of QuoteVault and its licensors and is protected by copyright, trademark, and other laws. Nothing in these Terms grants you a right to use QuoteVault's trademarks, name, or branding without our written permission.

9. Third-party services

The Service uses third-party services to operate the relay and process payments, including Twilio Inc., SendGrid Inc., Stripe Inc., Vercel Inc., Supabase Inc., and Functional Software, Inc. d/b/a Sentry. Their processing is subject to their own terms; QuoteVault selects and manages them under data processing agreements described in the Privacy Policy.

10. Disclaimers

The Service is provided "as is" and "as available." QuoteVault disclaims, to the maximum extent permitted by law, all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and uninterrupted or error-free operation.

QuoteVault does not warrant that any producer will provide a specific quote, price, coverage, or outcome. QuoteVault does not verify the accuracy of information consumers or producers submit beyond the licensure check described above. QuoteVault does not provide legal, insurance, tax, or financial advice; you should consult a qualified professional before purchasing insurance.

11. 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, 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 these Terms, will not exceed the greater of (a) one hundred U.S. dollars (US$100) or (b) the amount you paid to QuoteVault 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.

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 (a) your use of the Service, (b) your violation of these Terms, or (c) your violation of any applicable law or the rights of any third party. QuoteVault reserves the right to assume the exclusive defense and control of any matter subject to indemnification; you will cooperate with QuoteVault's defense.

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

These Terms are 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 these Terms 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 Consumer Arbitration Rules (or, if you use the Service as an insurance producer, 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 these Terms, 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. Changes to the Service and to these Terms

We may update the Service and these Terms from time to time. When we materially change these Terms, we will change the "Effective" date at the top and provide reasonable notice (in the Service or by email) before the change takes effect. Continued use of the Service after the effective date of a change constitutes acceptance of the updated Terms.

15. Termination

You may stop using the Service at any time. QuoteVault may suspend or terminate your access to the Service, or delete your account, if we reasonably believe you have violated these Terms or applicable law. Sections that by their nature should survive termination will survive.

16. Miscellaneous

• Entire agreement. These Terms, together with the Privacy Policy, the Consumer Consent Disclosure (for consumers), and the QuoteVault Producer Agreement (for producers), constitute the entire agreement between you and QuoteVault with respect to the Service.
• Severability. If any provision of these Terms 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 these Terms without QuoteVault's written consent. QuoteVault may assign these Terms 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 account, by posting in the Service, or by any other reasonable means.
• Contact. administration@getquotevault.com.