TERMS AND CONDITIONS
Last Updated: January 20, 2023

AtYour Consumer Action Assist, we are dedicated to assisting you in finding the most suitable insurance quotes, insurance products, home equity loans or refinancing options, and other services at the most competitive rates. To achieve this goal efficiently, we collect and utilize consumer information.
Please find below the terms of use for our website. These terms may be subject to change over time, and we recommend reviewing this page regularly. If you have any additional questions, comments, or concerns regarding the information provided below, please don't hesitate to contact us.

Please carefully read and understand this agreement before accessing the site.

By using this site, you acknowledge that you have read and agreed, without limitation or qualification, to be legally bound by this agreement and the terms outlined in the company's privacy policy. If you do not agree to these terms, please refrain from accessing or using this website. This arbitration agreement includes claims related to our clients, vendors, and Marketing Partners.

Services:

Your Consumer Action Assist offers a matching service that connects consumers with potential providers who participate in our network of insurance agents or insurance brokers ("partners"). To utilize this service, you will need to complete one or more online forms requesting specific information, such as your name, address, telephone number, email address, date of birth, limited health information, household information, driver's license details, and employment information. The collection and use of this information byYour Consumer Action Assist are governed by the Privacy Policy of this site. By using this website or the service, you must agree to these terms and conditions as well as the Privacy Policy.

Once you submit the form(s) toYour Consumer Action Assist, we will share your information with one or more participating partners. By submitting the form(s), you understand and agree that you are making an inquiry about insurance or insurance products toYour Consumer Action Assist and the participating partners to whom your request is transmitted. Through the submission of the form(s), you expressly requestYour Consumer Action Assist and its participating partners to contact you through any means (including, but not limited to, email, telephone, text messages, and direct mail) to assist you with your transaction or provide information about additional offers that may interest you.
Marketing partners who receive your information fromYour Consumer Action Assist may review your details in real-time to determine the best insurance offers or products for you. They may verify your personal information, driving record, limited health information, home or mortgage information, or other criteria to find the most suitable options. By submitting the form, you agree to allow marketing partners to review, verify, and research your information in this manner.

Consumer Action Assist is not an insurance provider and does not make decisions regarding insurance providers. It also does not guarantee acceptance into any specific insurance offers or products from its marketing partners.Your Consumer Action Assist does not guarantee that the prices, products, availability, rates, fees, or any other policy terms offered by participating marketing partners are the best available in the current market.

Consumer Action Assist does not endorse or recommend specific products or marketing partners. It does not act as an agent for you or any participating partner.Your Consumer Action Assist is not involved in the partner's use or review of your application information or in making determinations regarding whether you meet a particular partner's criteria for insurance offers or products. The partners are solely responsible for the services they provide, and you agree thatYour Consumer Action Assist shall not be liable for any damages or costs arising from offers for insurance policies or products of any kind. You understand that marketing partners may retain your application information, regardless of whether you qualify for insurance policies or products with them.

Consumer Action Assist reserves the right to change any information, features, and/or functions of the insurance policy or product matching service without
prior notice. It also reserves the right to deny you access to all or part of the services without prior notice, for any reason.Your Consumer Action Assist specifically disclaims any responsibility for errors or delays in providing the insurance policy or product matching services caused by erroneous or false information provided by you or any technical problems beyond its control.

Disclaimers and Limitations:
THIS WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT ARE PROVIDED "AS IS."Your Consumer Action Assist EXPRESSLY DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, REGARDING THIS WEBSITE AND ANY INFORMATION, SOFTWARE, PRODUCTS, OR SERVICES PROVIDED HEREIN. THIS INCLUDES, BUT IS NOT LIMITED TO, WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE.Your Consumer Action Assist DOES NOT GUARANTEE THE RESULTS THAT MAY BE ACHIEVED BY USING THIS WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES ASSOCIATED WITH IT. USE OF THIS WEBSITE AND/OR THEYour Consumer Action Assist SERVICE IS AT YOUR OWN RISK.Your Consumer Action Assist, ITS PARTICIPATING MARKETING PARTNERS, ADVERTISERS, OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES OR OTHER INJURIES ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS WEBSITE AND/OR SERVICES, OR THE DELAY OR INABILITY TO USE THIS WEBSITE. THIS INCLUDES ANY INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES OBTAINED THROUGH THIS WEBSITE, OR OTHERWISE ARISING OUT OF THE USE OF THIS WEBSITE, WHETHER RESULTING IN WHOLE OR IN PART FROM BREACH OF CONTRACT, TORTUOUS BEHAVIOR, NEGLIGENCE, STRICT LIABILITY, OR ANY OTHER CAUSE. EVEN IFYour Consumer Action Assist OR ITS PARTICIPATING MARKETING PARTNERS HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. PLEASE NOTE THAT SOME STATES MAY NOT ALLOW THE LIMITATION OF LIABILITY AND DISCLAIMER OF IMPLIED WARRANTIES, SO THE ABOVE DISCLAIMERS AND LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY OFYour Consumer Action Assist, ITS PARTICIPATING MARKETING PARTNERS, AND THEIR OFFICERS, DIRECTORS, AGENTS, SUBSIDIARIES, AFFILIATES, EMPLOYEES, SUCCESSORS, ASSIGNS, CONTENT PROVIDERS, AND SERVICE PROVIDERS IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.
Indemnity:
As a condition of using this website and/or the services offered herein, you agree to indemnifyYour Consumer Action Assist and its participating marketing partners from and against any and all liabilities, expenses (including attorneys' fees), and damages arising from claims resulting from your use of this website. This includes claims alleging facts that, if true, would constitute a breach of these Terms by you.

Link:
THESE TERMS ESTABLISH THAT ALL DISPUTES BETWEEN YOU AND THE COMPANY WILL BE RESOLVED THROUGH BINDING ARBITRATION. AS A RESULT, YOU WAIVE YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS. YOU ALSO GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CONSUMER ACTIONS. YOUR RIGHTS WILL BE DETERMINED BY NEUTRAL ARBITRATORS AND NOT A JUDGE OR JURY. BY USINGYour Consumer Action Assist'S SERVICES, YOU EXPRESSLY CONSENT TO THESE RESTRICTIONS. IF YOU DO NOT AGREE TO THESE RESTRICTIONS, PLEASE DO NOT ACCESS THEIR WEBSITE.

General Terms:
These Terms constitute the entire agreement between you andYour Consumer Action Assist. If any part of these Terms is deemed unenforceable under applicable law, the invalid and unenforceable provision will be superseded by a valid and enforceable provision that closely matches the intent of the original provision. The remaining provisions of these Terms will remain in effect.Your Consumer Action Assist's failure to exercise or enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.Your Consumer Action Assist may amend these Terms at any time by posting the amended terms on its website. All amended terms are effective immediately upon posting.

Agreement Upon Submission:
Upon submitting your information, you provide an electronic signature and represent that you are at least 18 years of age. You also agree to this website's Privacy Policy, CCPA Statement (if applicable), and Terms of Use. By submitting your information, you give express written consent and authorization to the owner of this website and/or the agents of one or more listed Marketing Partners to contact you for marketing and/or telemarketing purposes. This includes contacting you at the provided address, including your wireless number, using various means such as live operators, automated telephone dialing systems, artificial voice or pre-recorded messages, text messages, and/or emails. This consent is not required as a condition of purchasing goods or services, and you may opt out at any time.

If you have any dispute regarding these Terms of Website Use, the Website, or any of our services, you agree to submit your dispute for resolution by arbitration before the American Arbitration Association ("AAA") in your county of residence. This includes filing a Demand for Arbitration. The arbitrator will have exclusive authority to resolve any dispute, including claims that any part of these Terms of Website Use is unenforceable. Opt-Out of Arbitration/Class Action Waiver: The Terms & Conditions do not waive any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration. You may opt-out of these Dispute Resolution Provisions by providing written notice of your decision within thirty (30) days of your initial registration on the consumeractionassist Website. BY ACCEPTING THESE DISPUTE RESOLUTION PROVISIONS, YOU ACKNOWLEDGE AND AGREE TO WAIVE YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN A CLASS ACTION SUIT OR MULTI-PARTY ARBITRATION AGAINST US, ANY RELATED PERSONNEL, OR A SERVICE PROVIDER USED BY US TO PROVIDE THE SERVICE.
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