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Terms & Conditions

LAST UPDATED 10/5/2021

By accessing this website we assume you accept these terms and conditions in full. Do not continue to use Insure-Online.com’s website if you do not accept all of the terms and conditions stated on this page.

The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and any or all Agreements: “Client”, “You” and “Your” refers to you, the person accessing this website and accepting the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves, or either the Client or ourselves. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner, whether by formal meetings of a fixed duration, or any other means, for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services/products, in accordance with and subject to, prevailing law of United States. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.

Cookies

We employ the use of cookies. By using our website you consent to the use of cookies in accordance with our privacy policy .

Most of the modern day interactive web sites use cookies to enable us to retrieve user details for each visit. Cookies are used in some areas of our site to enable the functionality of this area and ease of use for those people visiting. Some of our affiliate / advertising partners may also use cookies.

You m ust not:

  • Republish material from our website.
  • Sell, rent or sub-license material from our website.
  • Reproduce, duplicate or copy material from our website.
  • Redistribute content from our website (unless content is specifically made for redistribution).
  • Hyperlinking to our Content

The following organizations may link to our Web site without prior written approval:

Government agencies; Search engines; News organizations; Online directory distributors when they list us in the directory may link to our Web site in the same manner as they hyperlink to the Web sites of other listed businesses; and Systemwide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.

We may consider and approve in our sole discretion other link requests from the following types of organizations:

Commonly-known consumer and/or business information sources such as Chambers of Commerce, American Automobile Association, AARP and Consumers Union; dot.com community sites; associations or other groups representing charities, including charity giving sites, online directory distributors; internet portals, accounting, law and consulting firms whose primary clients are businesses; and educational institutions and trade associations.

We will approve link requests from these organizations if we determine that:

(a) the link would not reflect unfavorably on us or our accredited businesses (for example, trade associations or other organizations representing inherently suspect types of business, such as work-at-home opportunities, shall not be allowed to link); (b)the organization does not have an unsatisfactory record with us; (c) the benefit to us from the visibility associated with the hyperlink outweighs the absence of link is in the context of general resource information or is otherwise consistent with editorial content in a newsletter or similar product furthering the mission of the organization.

These organizations may link to our home page, to publications or to other Web site information so long as the link: (a) is not in any way misleading; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and it products or services; and (c) fits within the context of the linking party’s site.

If you are among the organizations listed in paragraph 2 above and are interested in linking to our website, you must notify us by visiting our contact page. Please include your name, your organization name, contact information (such as a phone number and/or e-mail address) as well as the URL of your site, a list of any URLs from which you intend to link to our Web site, and a list of the URL(s) on our site to which you would like to link. Allow 2-3 weeks for a response.

Approved organizations may hyperlink to our Web site as follows:

By use of our corporate name; or By use of the uniform resource locator (Web address) being linked to; or By use of any other description of our Web site or material being linked to that makes sense within the context and format of content on the linking party’s site.

No use of our logo or other artwork will be allowed for linking absent a trademark license agreement.

Reservation of Rights

We reserve the right at any time and in its sole discretion to request that you remove all links or any particular link to our Web site. You agree to immediately remove all links to our Web site upon such request. We also reserve the right to amend these terms and conditions and its linking policy at any time. By continuing to link to our Web site, you agree to be bound to and abide by these linking terms and conditions.

Removal of links from our website

If you find any link on our Web site or any linked web site objectionable for any reason, you may contact us about this. We will consider requests to remove links but will have no obligation to do so or to respond directly to you.

Whilst we endeavor to ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date.

Content Liability

We shall have no responsibility or liability for any content appearing on your Web site. You agree to indemnify and defend us against all claims arising out of or based upon your Website. No link(s) may appear on any page on your Web site or within any context containing content or materials that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website (including, without limitation, any warranties implied by law in respect of satisfactory quality, fitness for purpose and/or the use of reasonable care and skill). Nothing in this disclaimer will:

limit or exclude our or your liability for death or personal injury resulting from negligence; limit or exclude our or your liability for fraud or fraudulent misrepresentation; limit any of our or your liabilities in any way that is not permitted under applicable law; or exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and exclusions of liability set out in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer or in relation to the subject matter of this disclaimer, including liabilities arising in contract, in tort (including negligence) and for breach of statutory duty. To the extent that the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

Tools & Services Used to Match Consumers with Insurers

Our website provides consumers with services to help them locate health plan & life insurance coverage or quotes for health and life coverage, all of which are provided by third parties unaffiliated with our website (collectively, "Insurers"). "Insurers" include any insurance companies, our network of partners, & affiliates who work on behalf of insurance companies, with whom we may share your information (as described in our Privacy Policy) for the purpose of enabling consumers to locate affordable health plan coverage.
 
Consumers may be able to access the products and services we offer when they complete a request or submit their information to either get matched with potential Insurers who will then respond with quotes or conditional offers for their products or services offered, or get provided with the name & information regarding potential Insurers who may able to respond with the requested products and or services or information about the products or services that have been requested by the consumer without any quotes or offers.
 
Our website does not endorse or recommend the products of any particular Insurer. Nor is our website an agent of you or any Insurer. Our services are only administrative in nature and you should rely on your own judgment when deciding which available insurance policy, health plan or other product, terms and Insurer that best fits your needs and financial abilities.
 
The Insurer is solely responsible for any of its products and services, and you agree that We shall not be held liable for any damages or costs that arise out your use of such products or services. You also understand that Insurers may keep your insurance request information and any additional information provided by our website or received by them in the processing of your request.  You agree to notify any particular Insurer directly if you want to be removed from receiving further communications from them. We are not responsible for any errors or delays in responding to a request or referral form caused by an incorrect email address, phone number or other information provided by you or other technical problems beyond our reasonable ability to control.

The products and services provided or advertised on our Website may not be available to you in all states and districts, and the availability of such services and products offered may change from to time without notice. Insurers are not attempting to offer insurance or health plans outside of their authorized states by participating in and offering their products on the Website. Insurers may discontinue or terminate the offering of any insurance or other product in any specific state through the Website at any time, without prior notice.
Any information you may provide to us on our website is not treated as an application for insurance or a request to be pre-approved or any similar concept. We do not guarantee acceptance into any particular health or insurance program or specific terms with any partner Insurer.  The insurance approval standards and conditions are established and maintained solely by individual Insurers. Our website does not guarantee that the insurance terms or rates offered and made available by Insurers or partners are the best terms or the lowest rates that are available in the market.
The information provided by Us on this website or discussed during any call does not represent a guarantee of coverage or a specific payment term. All of the insurance and health plans are subject to the terms and limitations of the specific policy issued, which includes but is not limited to, your eligibility, pre-certification, exclusions and limitations, and medical necessity requirements.
The rates and fees actually provided by Insurers may be higher or lower depending on your complete profile used by Insurers. An Insurer's offer may be subject to market conditions, approval and qualification. Insurers may not offer products in all states. You might not be matched with the Insurer making any specific offer.
 
To help the government fight identity theft, funding of terrorism and money laundering activities, and to help attempt to confirm your identity, Insurers may obtain and record information that identifies each person who applies to obtain insurance or a health plan. Insurers may request for your name, Social Security Number, address, date of birth, and other pertinent information, that will allow proper identification of you. During the Insurer application process, they may also ask to see additional information.
 
By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing, a request for quotes or any other submission ("submission"), you understand that you are agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to insurance or another product through our website to each of the Insurers to whom your request is transmitted. Our website or company does not charge you a fee for its service in matching you with Insurers.

You also agree that by providing your telephone number in any submission within Compare National Insurance Service, LLC’s webpages that you are providing your electronic signature expressly consenting to receive calls, emails, postal mail, text messages, and other forms of communication from the partner companies listed including calls made with an automatic telephone dialing system or prerecorded voice to the wireless or residential telephone number you have provided even if you are on a state or federal Do Not Call registry. You acknowledge and understand that your wireless carrier may impose charges for these calls or texts and consent to receive communications is not a condition of purchase. You may revoke your consent at any time.
 
By including your email address in any submission, you are providing an express invitation to each Insurer you have been matched with to contact you by email at any email address that you provided and any email from an Insurer will not be considered spam or unauthorized by any local, state or federal law or regulation. For any service, you represent that all of the information you have provided in your submission is accurate and complete.
 
Indemnity
 
As a condition of the use of our Website and/or our services, you agree to indemnify Us and our partners, suppliers and Insurers, and their respective members, officers and employees, from any and all liabilities, expenses which include reasonable attorneys' fees, claims and damages arising out of your use of the Website, including without limitation any claims alleging facts that if true would constitute a breach by you of the Agreement.
 
Arbitration
 
You and We each agree that any and all claims that relate to your use of our website and Services, or any products or services sold, offered, or purchased through our Services shall be resolved exclusively 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 Agreement to Arbitrate section (this "Agreement to Arbitrate").
 
Class Actions and Non-Individualized Relief
 
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, including but not limited to actions under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq. The arbitrator may award relief, including monetary, injunctive, and declaratory relief, only in favor of the individual party seeking relief and only to the extent necessary to provide relief necessitated by that party's individual claim. Any relief awarded cannot affect our other users.
 
Arbitration Procedures
 
The arbitration will be conducted by the American Arbitration Association ("AAA") under its rules and procedures. The AAA's rules and a form for initiating arbitration proceedings is available on the AAA's site at http://www.adr.org.
 
The arbitration shall be conducted in the county in which you reside or at another location that is mutually agreed upon. If the relief sought is $10,000 or less, you or we may elect to have the arbitration conducted by telephone or based solely on written submissions, which will be binding on you and us and is subject to the arbitrator's discretion if the circumstances warrant.
 
Costs of Arbitration
 
Payment of all filing, administration and arbitrator fees will be governed by the AAA's rules, unless otherwise stated in this Agreement to Arbitrate.

Confidentiality
 
The arbitration proceedings and arbitration award shall be maintained by the parties as strictly confidential, except as is otherwise required by court order or as is necessary to confirm, vacate or enforce the award and for disclosure in confidence to the parties' respective attorneys.
 
Voice Recordings and Consent
 
You consent that Compare National Insurance Services, LLC may record or monitor voice communications or commands made by you during any calls you make to Compare National Insurance Services, LLC as permitted by 18 U.S.C. §§ 2511 et seq., Cal. Penal Code § 632 et seq., and other state laws that regulate call monitoring and recording. By calling Compare National Insurance Services, LLC you provide your consent to the right to record or monitor and use this information in connection with RSI and for the purposes set out in the Privacy Policy.
 
Health Information
 
The health and other information on this website is solely for informational purposes. The information provide on our website is not intended to provide any medical and is not intended to be a substitute for proper medical care provided by a licensed physician. We assume no responsibility for misuse, interpretation or application of any information supplied on this website. Always consult with your medical doctor for appropriate examinations, treatment, testing, and health care recommendations.