Terms of Service

1. Acceptance of Terms

By accessing and using QuoteNest ("the Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Description of Service

QuoteNest provides an online platform that allows users to request insurance quotes and receive AI-generated coverage summaries. The Service is for informational purposes only and does not constitute a binding insurance quote or offer.

3. User Responsibilities

As a user of the Service, you agree to:

• Provide accurate, current, and complete information when submitting quote requests
• Maintain and promptly update your information to keep it accurate
• Not use the Service for any unlawful purpose or in any way that could damage, disable, or impair the Service
• Not attempt to gain unauthorized access to any portion of the Service
• Not transmit any viruses, malware, or other harmful code

4. AI-Generated Content Disclaimer

The AI-generated insurance summaries provided by QuoteNest are for informational purposes only. They do not constitute:

• Legal, financial, or insurance advice
• A binding insurance quote or offer
• Guaranteed coverage or pricing
• Recommendations from licensed insurance professionals

All coverage decisions must be made through a licensed insurance agent after proper underwriting. QuoteNest is not responsible for any decisions made based on AI-generated summaries.

5. Intellectual Property

The Service and its original content, features, and functionality are owned by QuoteNest and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

6. Limitation of Liability

To the fullest extent permitted by law, QuoteNest shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the Service.

7. Indemnification

You agree to defend, indemnify, and hold harmless QuoteNest and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your use of the Service or violation of these Terms.

8. Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including if you breach the Terms. Upon termination, your right to use the Service will cease immediately.

9. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which QuoteNest operates, without regard to its conflict of law provisions.

11. Contact Information

If you have any questions about these Terms of Service, please contact us through our Contact page.