Terms of Use

By accessing or using our services at AcornQuotes.com, you agree to be bound by the terms and conditions of these Terms of Use (this “Agreement”) and our Privacy Policy (the “Privacy Policy”). The terms “we,” “us,” or “our” mean AcornQuotes.com. The term “Services” means, collectively, various websites, applications, widgets, email notifications and other mediums, or portions of such mediums, through which you have accessed this Agreement.

This Agreement contains an agreement to arbitrate all claims and disclaimers of warranties and liability.

YOUR COMPLIANCE WITH THIS AGREEMENT
You acknowledge that this Agreement is supported by reasonable and valuable consideration, the receipt and adequacy of which is hereby acknowledged. Without limiting the foregoing, you acknowledge that such consideration includes, without limitation, your ability to visit, use and/or submit information to our Services.

You represent that you have the capacity to be bound by this Agreement, or if you are acting on behalf of a company or other entity, you have the authority to bind such company or entity. In order to determine your compliance with this Agreement, we may monitor your access and use of our Services in accordance with our Privacy Policy.

OUR SERVICES ARE NOT INTENDED FOR MINORS
Our Services are intended to be accessed and used only by adults (18 years of age or older) and are not directed to minors. As stated in our Privacy Policy, we do not knowingly collect personally identifiable information from anyone under the age of 13, and you should not provide us with any information regarding any individual under the age of 13. If we discover that we have inadvertently collected information from a minor, we will promptly delete it.

YOUR ACCESS AND USE OF OUR SERVICES
Your right to access and use our Services is personal to you and is not transferable by you to any other person or entity. You are only entitled to access and use our Services for lawful purposes and pursuant to the terms and conditions of this Agreement and the Privacy Policy.

Your access and use of our Services may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of our Services or other actions that we, in our sole discretion, may elect to take. We reserve the right to suspend or discontinue the availability of our Services and/or any portion or feature of our Services at any time in our sole discretion and without prior notice.

Any action by you that, in our sole discretion: (i) violates the terms and conditions of this Agreement and/or the Privacy Policy; (ii) restricts, inhibits or prevents any access, use or enjoyment of our Services; or (iii) through the use of our Services, defames, abuses, harasses, offends or threatens, shall not be permitted, and may result in your loss of the right to access and use our Services. You shall not modify, scrape, embed, or frame our Services without our prior written permission.

YOU MUST MAINTAIN THE INTEGRITY OF YOUR INFORMATION
To use certain Services, you may be required to provide us with information about you, which may be of a confidential nature and may include personal identifying information, and/or financial information (“Your Information”). If you provide Your Information to us, then you agree to provide true, current, complete and accurate information, and not to misrepresent your identity. You also agree to keep Your Information current and to update Your Information if any of Your Information changes. Our collection, use and disclosure of Your Information is governed by this Agreement and our Privacy Policy.

YOU MUST MAINTAIN THE SECURITY OF ANY PASSWORD ISSUED TO YOU
If our Services require you to create a password to use certain portions of our Services, then it is your sole responsibility to maintain the security of that password. You agree that we shall not be liable for any loss that you may suffer as a result of the authorized or unauthorized use of your password by a third party. You shall not allow any person under the age of 18 to use any Service via your registration or password.

YOU MUST NOTIFY US OF A BREACH
You agree to immediately notify us of any unauthorized use of your password, any unauthorized use of any account that you may have with us, any violation of this Agreement, or any other breach of security known to you in connection with any product or service available on our Services by sending an email to: info@acornquotes.com.

YOU ARE RESPONSIBLE FOR YOUR FINANCIAL DECISIONS
We and our affiliates, through the Services, may provide a venue through which you can obtain information and find third-party service providers, such as insurance carriers, insurance brokers, insurance agents, and other insurance professionals (“Service Providers”). We do not endorse or recommend the products or services of any Service Provider, and are not an agent or advisor to you or any Service Provider. We do not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers. It is your responsibility to investigate Service Providers. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide to you and that we are not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of a Service Provider’s products or services. We urge you to obtain the advice of licensed insurance agents, brokers or other qualified professionals who are fully aware of your individual circumstances before you make any insurance decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers.

YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT A SERVICE PROVIDER
We are not an insurance carrier, insurance provider, or other Service Provider. Instead, we, through our Services, may help to connect you with Service Providers that might meet your needs based on information provided by you. We do not, and will not, make any coverage decision with any Service Provider referred to you. We do not issue insurance coverage or any other financial products.

NO GUARANTEE OF QUOTES, FEES, TERMS, RATES, COVERAGE OR SERVICES
We do not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by Service Providers. We do not guarantee that quotes, fees, terms, rates, coverage or services offered by Service Providers are the best available.

YOU DO NOT PAY FEES TO US
Unless you order a specific service through our Services, we do not charge you a fee to use our Services. Service Providers may pay us fees for services and to be matched with users of our Services. We are not involved with and are not responsible for any fee arrangement that you may enter into with any Service Provider. You acknowledge and agree to this compensation arrangement. You hereby release us of any and all losses, costs, damages or claims in connection with, arising from or related to your use of a Service Provider’s products or services, including any fees charged by a Service Provider.

REQUESTS FOR QUOTES — TCPA CONSENT AND COMMUNICATIONS
Our Services give you the opportunity to request to be matched with and receive quotes or offers from Service Providers (a “Match Request”). Match Request areas are only available to residents of the United States and may not be available in all states. We make no guarantee that you will be matched with a Service Provider if you submit a Match Request.

By submitting a Match Request — including by entering your zip code and clicking to proceed — you expressly consent, pursuant to the Telephone Consumer Protection Act (TCPA) and applicable state laws, to be contacted by AcornQuotes.com and each individual Service Provider to whom your information is submitted. This consent covers contact by telephone (including calls and text/SMS messages made using an automatic telephone dialing system or an artificial or prerecorded voice), email, and fax, at the telephone numbers and email addresses you provide, for purposes of providing you with insurance quotes, products, and services related to your Match Request.

You understand and agree that:
(a) Your consent is not a condition of purchasing any insurance product or service;
(b) You may receive calls or texts from multiple individual insurance carriers and agents to whom your information is transmitted;
(c) Standard message and data rates may apply to text messages;
(d) You may opt out of future communications at any time by replying STOP to any text message or by contacting us at info@acornquotes.com;
(e) Even if your telephone number is listed on a federal, state, or internal Do Not Call registry, your express consent above supersedes such listing for purposes of contacts related to your Match Request.

You authorize Service Providers and their affiliates to conduct all necessary research with your information, including checking your insurance history, for purposes of providing you with quotes related to your Match Request.

If you make either a complete or incomplete Match Request, you agree that Your Information provided in connection with your Match Request may be used and disclosed as set forth in our Privacy Policy.

FEES AND PAYMENTS
Access and use of our Services is free. At any time, we may choose to charge fees for various premium features and services, and we will notify you of those charges at the time that we offer features and services for a fee.

ELECTRONIC COMMUNICATIONS
When you visit our Services or send email to us, you are communicating with us electronically. You consent to receive communications from us electronically. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

ACORNQUOTES.COM INTELLECTUAL PROPERTY RIGHTS
Our names, graphics, logos, page headers, button icons, scripts, and service names are our trademarks or trade dress in the United States and/or other countries (collectively, the “Proprietary Marks”). You may not use the Proprietary Marks without our prior written permission. We make no proprietary claim to any third-party names, trademarks or service marks appearing on our Services. Any third-party names, trademarks, and service marks are property of their respective owners.

The information, advice, data, software and content viewable on, contained in, or downloadable from our Services (collectively, the “Content”) are copyrighted by, or otherwise licensed to, us or our Content suppliers. Viewing, reading, printing, downloading or otherwise using the Content does not entitle you to any ownership or intellectual property rights to the Content.

YOUR USE OF THE CONTENT
We grant you a limited license to access, print, download or otherwise make personal use of the Content for non-commercial purposes only. You may not modify the Content or utilize it for any commercial purpose without our prior written permission.

ACCESS AND INTERFERENCE
You agree that you will not use any robot, spider, scraper, deep link, artificial intelligence crawling tool, or other similar automated data gathering or extraction tools to access, acquire, copy or monitor our Services without our prior written permission. You also agree not to: (i) impose an unreasonable or disproportionately large load on our infrastructure; (ii) copy, reproduce, modify or create derivative works from our Services without our prior written permission; (iii) interfere with the proper working of our Services; or (iv) bypass any security measures or robot exclusion headers we may use.

We grant the operators of public search engines permission to use spiders to copy materials from our Services for the sole purpose of creating publicly available search indices. We reserve the right to revoke this permission at any time.

THIRD PARTY LINKS OR ACCESS
There may be provided on our Services links to other websites belonging to our business partners, affiliates, Service Providers and other third parties. Such links do not constitute our endorsement of those third parties, their products or services. We are not responsible for the activities or policies of those third parties.

AI-GENERATED CONTENT NOTICE
Some content on our Services may be assisted by artificial intelligence tools and is reviewed by our editorial team for accuracy. We do not warrant that AI-assisted content is free from error. Always consult a licensed insurance professional for advice specific to your situation.

CALIFORNIA PRIVACY RIGHTS
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to know what personal information we collect, the right to delete your personal information, the right to opt out of the sale or sharing of your personal information, and the right to non-discrimination for exercising your rights. To exercise these rights, please contact us at info@acornquotes.com. For full details, please review our Privacy Policy.

WE MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING THE CONTENT
THE CONTENT AND ALL SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES ARE PROVIDED TO YOU ON AN “AS-IS” AND “AS AVAILABLE” BASIS. WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF OUR SERVICES OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON OR ASSOCIATED WITH OUR SERVICES. YOU EXPRESSLY AGREE THAT YOUR USE OF OUR SERVICES IS AT YOUR SOLE RISK.

WE DO NOT MAKE, AND EXPRESSLY DISCLAIM, ANY REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, CORRECTNESS, OR COMPLETENESS OF THE CONTENT OR THE SERVICES AND PRODUCTS ASSOCIATED WITH OUR SERVICES, OR THE SAFETY, RELIABILITY, TITLE, TIMELINESS, COMPLETENESS, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE OF THE CONTENT.

WITHOUT LIMITING THE FOREGOING, YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT AN INSURANCE CARRIER, INSURANCE PROVIDER, OR OTHER SERVICE PROVIDER. WE ARE SOLELY AN INTERMEDIARY BETWEEN YOU AND SUCH SERVICE PROVIDERS AND WE EXPRESSLY DISCLAIM ANY AND ALL LIABILITY FOR ANY CONTENT, PRODUCTS OR SERVICES PROVIDED BY SUCH SERVICE PROVIDERS.

LIMITATIONS ON OUR LIABILITY
WE SHALL IN NO EVENT BE RESPONSIBLE TO, OR LIABLE TO, YOU, OR ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, FOR ANY DAMAGES, INCLUDING, BUT NOT LIMITED TO, SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES ARISING OUT OF YOUR USE OF OUR SERVICES. OUR LIABILITY AND THE LIABILITY OF OUR AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS ARISING OUT OF THIS AGREEMENT SHALL NOT EXCEED $100.

ANY CAUSE OF ACTION ARISING OUT OF OR RELATED TO OUR SERVICES MUST COMMENCE WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY BARRED.

Certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above disclaimers, exclusions or limitations may not apply to you.

YOUR INDEMNIFICATION OF US
You shall defend, indemnify and hold harmless us and our officers, directors, shareholders, employees, independent contractors, agents, representatives and affiliates from and against all claims and expenses, including attorneys’ fees, arising out of, or attributable to: (i) any breach or violation of this Agreement by you; (ii) your failure to provide accurate, complete and current personally identifiable information; (iii) your access or use of our Services; or (iv) any personal injury or property damage caused by you.

AMENDMENTS OF THIS AGREEMENT
We reserve the right to update, amend and/or change this Agreement at any time in our sole discretion. Updates to this Agreement will be posted here with a revised “Last Updated” date. Your continued access and use of our Services following the posting of any such changes shall automatically be deemed your acceptance of all changes.

LEGAL DISPUTES — AGREEMENT TO ARBITRATE
You and we agree that any claim or dispute arising between us relating in any way to this Agreement or your use of our Services will be resolved through final and binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement.

Prohibition of Class Actions: YOU AND WE AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING.

Arbitration Procedures: The arbitration will be conducted by the American Arbitration Association (“AAA”) under its rules, including the AAA’s Supplementary Procedures for Consumer-Related Disputes, as applicable. The AAA’s rules are available at www.adr.org.

Costs of Arbitration: If the value of the relief sought is $10,000 or less, at your request, we will pay all filing, administration, and arbitrator fees associated with the arbitration.

Severability: If any part of this arbitration agreement is found invalid or unenforceable, the other parts shall still apply, except that the class action prohibition is non-severable — if it is found invalid, the entirety of this arbitration agreement shall be null and void.

MISCELLANEOUS
If any portion of this Agreement is deemed unlawful, void or unenforceable, that portion only shall be stricken, and the remainder of this Agreement shall continue in full force and effect.

This Agreement and the Privacy Policy represent the entire understanding and agreement between you and us regarding the subject matter hereof and supersede all prior agreements and representations.

CONTACT US
If you have questions, comments, concerns or feedback regarding this Agreement or our Services, please contact us at:

AcornQuotes.com
Email: info@acornquotes.com