TERMS OF SERVICE

Last Updated: April 5, 2026

IMPORTANT NOTICE - LEGALLY BINDING AGREEMENT

PLEASE READ THESE TERMS OF SERVICE (“TERMS”) CAREFULLY. THESE TERMS CONSTITUTE A LEGALLY BINDING AGREEMENT BETWEEN YOU AND TURBOQUOTE INSURANCE GROUP LLC (“COMPANY,” “WE,” “US,” OR “OUR”).

THESE TERMS INCLUDE:

  • A MANDATORY BINDING ARBITRATION AGREEMENT
  • A WAIVER OF CLASS ACTION AND JURY TRIAL RIGHTS
  • LIMITATIONS OF LIABILITY
  • DISCLAIMERS OF WARRANTIES AND PROFESSIONAL ADVICE

BY ACCESSING, USING, OR INTERACTING WITH THE SERVICES (AS DEFINED BELOW), YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS.

IF YOU DO NOT AGREE, YOU MUST IMMEDIATELY DISCONTINUE USE OF THE SERVICES.

1. DEFINITIONS AND SCOPE OF SERVICES

For purposes of these Terms:

  • “Company” means TurboQuote Insurance Group LLC and its affiliates, subsidiaries, successors, and assigns.
  • “Services” means all websites, landing pages, applications, software, systems, communications tools, lead generation systems, marketing platforms, agent portals, and any other services made available by the Company.
  • “Resources” includes all leads, consumer data, marketing materials, branding, tools, systems, and compensation structures provided by the Company.
  • “User” includes any individual or entity accessing or using the Services, including consumers, agents, agencies, marketers, contractors, and partners.

These Terms apply to all Users, regardless of role or relationship to the Company.

2. ACCEPTANCE AND USE OF SERVICES

Your use of the Services is conditioned upon your acceptance of and compliance with these Terms.

You agree that you will:

  • Use the Services only for lawful purposes
  • Provide accurate, current, and complete information
  • Not interfere with or disrupt the Services
  • Not attempt unauthorized access to systems or data

The Company reserves the right to:

  • Suspend or terminate access at any time, with or without notice
  • Modify, discontinue, or restrict Services at its sole discretion

All Services are provided on an “as is” and “as available” basis.

3. NO GUARANTEE OF INSURANCE OR PROFESSIONAL ADVICE

The Company operates as a licensed insurance agency and marketing platform.

You acknowledge and agree that:

  • The Company does not guarantee:
  • Insurance approval
  • Pricing or rates
  • Coverage availability
  • Carrier acceptance
  • Any information provided:
  • Is for general informational purposes only
  • Does not constitute legal, tax, or financial advice

All insurance products are subject to:

  • Carrier underwriting
  • State availability
  • Policy terms, exclusions, and conditions

4. CONSENT TO COMMUNICATIONS (TCPA DISCLOSURE)

By submitting your information or interacting with the Services, you provide prior express written consent for the Company and its agents, affiliates, partners, and service providers to contact you via:

  • Telephone calls (including autodialed and prerecorded/artificial voice calls)
  • SMS/text messages
  • Email communications

This consent applies to all contact information provided, including wireless numbers.

You acknowledge that:

  • Consent is not a condition of purchase
  • Message and data rates may apply
  • Communications may include marketing, advertising, and lead distribution

You may opt out of SMS communications by replying STOP, subject to system limitations.

5. DATA USE, LEAD GENERATION, AND MARKETING RIGHTS

You acknowledge and agree that:

  • The Company operates as a lead generation, data processing, and insurance distribution platform
  • All information submitted through the Services may be:
  • Collected
  • Stored
  • Processed
  • Sold
  • Shared
  • Licensed

to:

  • Licensed insurance agents
  • Agencies and sub-agencies
  • Insurance carriers
  • Marketing and advertising partners

The Company reserves the right to:

  • Combine your data with third-party data sources
  • Use data for analytics, profiling, and targeted advertising
  • Retain and reuse data as permitted by law

6. LEAD OWNERSHIP

All leads, consumer data, and related information generated through the Services are and shall remain the exclusive property of TurboQuote Insurance Group LLC unless otherwise expressly agreed in writing.

No User shall acquire any ownership interest in such data by virtue of access or use.

7. NON-CIRCUMVENTION

Users, including agents, agencies, and marketing partners, agree not to directly or indirectly:

  • Circumvent the Company to engage with leads, carriers, or relationships introduced through the Services
  • Divert or attempt to divert business opportunities generated through the Company

Any such actions shall constitute a material breach of these Terms.

8. AGENT, MARKETER, AND PARTNER OBLIGATIONS

Agents, agencies, marketers, and partners agree that they shall:

  • Maintain all required licenses and regulatory approvals
  • Comply with all applicable laws and regulations
  • Use only compliant and approved marketing practices
  • Maintain verifiable proof of consumer consent prior to contact

They shall not:

  • Resell or redistribute leads without written authorization
  • Contact individuals without valid consent
  • Engage in unlawful telemarketing practices
  • Use misleading or unapproved marketing materials

Users are solely responsible for compliance with:

  • TCPA
  • TSR
  • CAN-SPAM
  • GLBA
  • HIPAA (if applicable)
  • CMS Medicare marketing guidelines (if applicable)

9. CONSENT RECORDKEEPING REQUIREMENT

Agents and partners must maintain documented, verifiable records of consumer consent sufficient to demonstrate compliance with applicable laws, including TCPA.

Failure to maintain such records constitutes a material breach of these Terms.

10. PROFESSIONAL LICENSING AND INSURANCE REQUIREMENTS

Certain Users, including agents, agencies, and partners, must maintain:

  • Valid and active licenses
  • Errors and Omissions (“E&O”) insurance coverage

Minimum E&O coverage requirements:

👉 $1,000,000 per occurrence / $2,000,000 aggregate

The Company reserves the right to:

  • Require proof of coverage at any time
  • Suspend or terminate access for failure to maintain coverage

Additional requirements may be imposed through Supplemental Agreements.

11. AUDIT AND COMPLIANCE RIGHTS

The Company reserves the right to:

  • Audit User compliance with these Terms
  • Review communications, marketing materials, and practices
  • Request documentation, including consent records and licensing

Failure to cooperate may result in termination.

12. CHARGEBACKS AND COMPENSATION ADJUSTMENTS

The Company reserves the right to:

  • Reverse, withhold, or adjust compensation
  • Recover commissions

in cases of:

  • Policy cancellations
  • Carrier chargebacks
  • Fraud or misrepresentation
  • Non-compliance with these Terms

13. INDEPENDENT CONTRACTOR RELATIONSHIP

Agents, marketers, and partners are independent contractors unless expressly stated otherwise.

Nothing herein creates:

  • Employment
  • Partnership
  • Joint venture

14. INTELLECTUAL PROPERTY

All content, materials, systems, and branding associated with the Services are the exclusive property of the Company or its licensors.

Unauthorized use is prohibited.

15. DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

16. LIMITATION OF LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

THE COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES.

TOTAL LIABILITY SHALL NOT EXCEED:

👉 THE GREATER OF $1,000 OR AMOUNTS PAID BY YOU (IF ANY)

17. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless the Company from any claims arising out of:

  • Your use of the Services
  • Your violation of these Terms
  • Your violation of applicable laws

18. ARBITRATION AGREEMENT AND CLASS ACTION WAIVER

All disputes shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in Dallas, Texas.

You waive:

  • Jury trial rights
  • Participation in class actions

19. THIRD-PARTY SERVICES

The Company is not responsible for third-party services, integrations, or platforms.

20. ADDITIONAL AGREEMENTS AND HIERARCHY

Users may be required to enter into additional agreements, including but not limited to:

  • Agent Agreements
  • Agency Agreements
  • Lead Purchase Agreements
  • Affiliate/Marketing Agreements

(“Supplemental Agreements”).

In the event of a conflict:

  • The Supplemental Agreement shall control for its subject matter
  • These Terms shall otherwise remain in effect

All Supplemental Agreements are incorporated by reference.

21. PRIVACY POLICY

Use of the Services is also governed by the Company’s Privacy Policy.

22. MODIFICATIONS TO TERMS

The Company may update these Terms at any time.

Continued use constitutes acceptance of changes.

23. GOVERNING LAW

These Terms shall be governed by the laws of the State of Texas.

24. WAIVER AND SEVERABILITY

If any provision is invalid, the remaining provisions remain enforceable.

25. ENTIRE AGREEMENT

These Terms and the Privacy Policy constitute the entire agreement between you and the Company.

26. CONTACT INFORMATION

TurboQuote Insurance Group LLC
Phone: 1-866-475-3787
Email: turboquoteinsurance@gmail.com