Terms & Conditions

Welcome to Compare Rates Today ("Company," "we," "us," or "our"). By accessing or using our website at comparerates.today (the "Site") and any services, features, content, or applications offered by us (collectively, the "Services"), you agree to be bound by these Terms and Conditions ("Terms").

If you do not agree to these Terms, please do not access or use our Services. Your continued use of the Services constitutes your acceptance of any updates or modifications to these Terms.

These Terms apply to all visitors, users, and others who access or use the Services. Please read these Terms carefully before using our Services.

Compare Rates Today is an insurance comparison and lead generation platform. Our Services allow users to:

• Compare insurance quotes from multiple providers
• Request quotes for auto, home, life, pet, and other insurance products
• Access educational content about insurance topics
• Connect with licensed insurance agents and carriers

Important: We are not an insurance company or agency. We do not sell insurance directly. Instead, we connect consumers with insurance providers, agents, and marketing partners who may offer insurance quotes and products.

The quotes and information displayed on our Site are provided by third-party insurance carriers and partners. Final rates, terms, and availability are determined solely by the insurance providers.

By using our Services, you represent and warrant that:

• You are at least 18 years of age
• You are a legal resident of the United States
• You have the legal capacity to enter into binding agreements
• You are seeking insurance quotes for yourself or someone you are legally authorized to represent
• All information you provide is accurate, complete, and current

We reserve the right to refuse service, terminate accounts, or cancel requests at our sole discretion.

Please read this section carefully. It explains how your information may be shared.

When you submit a quote request or complete a form on our Site, you understand and agree that:

• Your information may be shared with multiple insurance carriers, agents, and marketing partners
• We work with lead aggregators and insurance marketing networks
• Your information may be sold or licensed to third parties who may contact you
• You may receive quotes, offers, and communications from multiple parties
• The number of parties who receive your information depends on your location, insurance needs, and other factors

We participate in lead certification programs including TrustedForm and LeadID (Jornaya) to verify the authenticity of consumer requests and ensure compliance with industry standards.

Our Services integrate with and rely upon various third-party services. By using our Site, you acknowledge that your information may be processed by:

Each third-party service operates under its own terms of service and privacy policy. We are not responsible for the practices of these third parties.

By submitting your information through our Services, you provide your express written consent under the Telephone Consumer Protection Act (TCPA) to receive:

• Telephone calls (including autodialed and prerecorded calls)
• SMS/text messages
• Emails
• Other communications

These communications may come from Compare Rates Today, our partners, insurance carriers, agents, and other third parties to whom your information is provided. Communications may be for marketing purposes, even if your phone number is on any Do-Not-Call list.

Your consent is not required as a condition of purchasing any goods or services. Standard message and data rates may apply.

To opt out of communications, you may:

• Reply STOP to any text message
• Click unsubscribe in any email
• Contact us directly at opt-out@comparerates.today
• Submit a request through our California Privacy Rights page

Your privacy is important to us. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Information we collect includes:

• Personal identification information (name, address, email, phone number)
• Insurance-related information (vehicle details, property information, coverage needs)
• Device and usage information (IP address, browser type, pages visited)
• Location data (derived from IP address or provided ZIP code)
• Form submission data and survey responses

California residents have additional rights under the California Consumer Privacy Act (CCPA). Please see our California Privacy Rights page to exercise your rights.

You agree not to use our Services to:

• Submit false, misleading, or fraudulent information
• Impersonate any person or entity
• Submit requests on behalf of others without authorization
• Interfere with or disrupt the Services or servers
• Attempt to gain unauthorized access to any portion of the Services
• Use automated systems to access the Services without permission
• Collect user information without consent
• Violate any applicable laws or regulations

We reserve the right to investigate and take appropriate legal action against anyone who violates these provisions.

The Services and their original content, features, and functionality are owned by Compare Rates Today and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.

Our trademarks, service marks, logos, and trade names may not be used without our prior written consent. Third-party trademarks, logos, and brand names appearing on our Site are the property of their respective owners.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any material from our Site without our express written permission.

Not Insurance Advice: Information on our Site is for general informational purposes only and does not constitute professional insurance advice. You should consult with a licensed insurance professional before making insurance decisions.

Quote Accuracy: Quotes displayed on our Site are estimates only. Final rates, terms, and availability are determined by insurance carriers and may differ from displayed quotes based on underwriting and other factors.

Third-Party Content: We are not responsible for the accuracy, completeness, or reliability of any third-party content, advertisements, or quotes displayed on our Site.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL COMPARE RATES TODAY, ITS AFFILIATES, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Any loss of profits, revenue, data, or goodwill
• Any damages resulting from your use of or inability to use the Services
• Any conduct or content of any third party on the Services
• Any unauthorized access to or use of our servers or personal information

Our total liability for any claims arising from or related to these Terms or the Services shall not exceed the greater of fifty dollars ($50) or the amount you paid us, if any, in the past six months.

You agree to defend, indemnify, and hold harmless Compare Rates Today and its affiliates, licensors, and service providers, and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms
• Your use of the Services
• Any information you provide to us
• Your violation of any rights of a third party

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions.

Any dispute arising from or relating to these Terms or your use of the Services shall be resolved through binding arbitration administered by the American Arbitration Association in accordance with its Commercial Arbitration Rules. The arbitration shall take place in Delaware, and judgment on the award may be entered in any court having jurisdiction.

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

We reserve the right to modify or replace these Terms at any time at our sole discretion. If a revision is material, we will 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. By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised terms.

We encourage you to review these Terms periodically for any changes. Changes to these Terms are effective when they are posted on this page.

If you have any questions about these Terms, please contact us: