Terms of Use

Last Updated 10/07/2024

Coverage Hub Marketing LLC (“CHM”) grants you the right to access this website (the “Website”) and request or utilize the services (the “Service(s)”) subject to this Terms of Use and Privacy Notice (the “Agreement”), and any and all other applicable operating rules, policies, price schedules and other supplemental terms and conditions or documents that may be published from time to time, which are expressly incorporated herein by reference (collectively, the “Terms”).

PLEASE REVIEW THESE TERMS CAREFULLY AS BY ACCESSING ANY OF THE WEBSITES, YOU UNAMBIGUOUSLY AGREE TO BE BOUND BY THE TERMS AND ACCEPT THE CONTRACT SET FORTH HEREIN.

IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS, YOU MAY NOT ACCESS OR USE THIS OR ANY OF CHM’S WEBSITES OR SERVICES.

THESE TERMS INCLUDE A MANDATORY ARBITRATION, JURY TRIAL WAIVER AND A CLASS ACTION WAIVER PROVISION, AS WELL AS OTHER MATERIAL TERMS, WHICH MAY RESULT IN YOUR WAIVER OF CERTAIN RIGHTS IN PROSPECTIVE LITIGATION.

  1. Modification
  2. Modifications to Terms of Service:We reserve the right, at our sole discretion, to change or modify portions of this Agreement at any time and for any reason. If we do this, depending on the nature of the change, we will post the changes on this page and indicate at the top of this page the date these terms were last revised or otherwise notify you, either through the Services’ user interface, in an email notification or through other reasonable means and as required by applicable law. Any such changes will become effective immediately. Your continued use of the Website or Service after the date any such changes become effective constitutes your acceptance of the new Terms of Service and this Agreement, as the Terms will become effective immediately upon revision. In addition, when using certain the Website or Services, you will be subject to any additional terms applicable to such Services that may be posted on the Website or Service from time to time.

1.1 Privacy: Your privacy is important to us. As such, PLEASE SEE OUR PRIVACY POLICY at the bottom of this Agreement about the personal information that we may collect, and the ways in which we may use that personal information. By using the Website or Service, you consent to our potential collection and use of personal data as outlined therein.

  1. Access and Use of the Service

2.1 Use Description: Services provided by us, and any content viewed through our Service or on our Website, is solely for your personal and non-commercial use. We grant you a limited, non-exclusive, non-transferable, license to access our content on the Website. Except for the foregoing limited license, no right, title or interest shall be transferred to you. We may revoke your license at any time in our sole discretion and for any reason. Upon such revocation, you must promptly destroy all content downloaded or otherwise obtained through the service, as well as copies of such materials, whether made in accordance with these Terms of Service or otherwise pursuant to this Agreement.

2.2 Your Registration Obligations: You may be required to register with CHM, third party or an affiliate of CHM in order to access and use certain features of the Service. If you choose to register for the Service, you agree to provide and maintain true, accurate, current and complete information about yourself as prompted by the Service forms or requests for information. Registration data and certain other information about you are governed by our Privacy Policy. If you are under 18 years of age, you are not authorized to use the Service or in any way access this Website or Services, whether with or without registering for the Services.

2.3 Member Account, Password and Security: You may never use another’s account, and you may not provide another person with access to your account. You are fully responsible for any and all activities that occur under your password or account. You agree to immediately notify us of any unauthorized use of your account or any other breach of security. We will not be liable for any loss or damage arising from your failure to comply with this Section or your noncompliance with this Agreement.

2.4 Modifications to Service: We reserve the right to modify or discontinue, temporarily or permanently, the Website or Service (or any part thereof) with or without notice to you. You agree that we will not be liable to you or to any third party for any modification, suspension or discontinuance of the Service. We have no obligation to retain any of account information or submitted content for any period of time beyond what may be required by applicable law.

2.5 General Practices Regarding Use and Storage: You acknowledge that we may establish general practices and limits concerning use of the Website or Service, including without limitation the maximum period of time that data or other content will be retained by the Service and the maximum storage space that will be allotted on our servers on your behalf. You agree that we have no responsibility or liability for the deletion or failure to store any data or other content maintained or uploaded by the Service or on the Website. You acknowledge that we reserve the right to terminate accounts that are inactive for an extended period of time or for any reason. You further acknowledge that we reserve the right to change these general practices and limits at any time, in our sole discretion, with or without notice to you.

2.6 Mobile Services & SMS Alerts: The Service may include certain services that are available via a mobile device, including but not limited to, (i) the ability to upload content to the Service via a mobile device, (ii) the ability to browse the Service and the Site from a mobile device and (iii) the ability to access certain features through an application downloaded and installed on a mobile device (collectively, the “Mobile Services”). To the extent you access the Service through a mobile device, your wireless service carrier’s standard charges, data rates and other fees may apply. In addition, downloading, installing, or using certain Mobile Services may be prohibited or restricted by your carrier, and not all Mobile Services may work with all carriers or devices. In using the Mobile Services, you may provide your telephone number. By providing your telephone number, you consent to receive calls and/or SMS, MMS, or text messages at that number. We may share your phone numbers with our affiliates or with our service providers (such as customer support, billing or collections companies, and text message service providers) who we have contracted with to assist us in pursuing our rights or providing our Services under these Terms of Service, our policies, applicable law, or any other agreement we may have with you.

2.7 Request to be Matched: Some of our Websites providing access to Services may contain content by third parties that promote news and information regarding such products and services across various industries. Such Websites provide you with the opportunity to submit requests (each, a “Request”) for information on a wide variety of products and services offered by certain service providers (each such service provider, a “Service Provider”). We cannot and do not guarantee that these Service Providers will provide information for every Request received or that the Service Providers who do respond to your Request can in fact meet all of your requirements. We may reject any Request and/or elect not to forward a Request to participating Service Providers, for any reason or no reason in our sole discretion. Subject to certain exceptions below, the Website acts solely as a lead generator and CHM may receive a marketing lead generation fee from Service Providers. You should rely on your own judgment in deciding which available product or service and Service Provider best suits your needs.

2.8 Financial Services Requests: Our Website provides you with the opportunity to submit Requests for information and to be matched with financial services Service Providers, such as insurance companies (collectively, “Financial Services Requests”). Subject to the limited exceptions below, a Financial Services Request is not an application for insurance, credit or a request for a loan pre-qualification; rather, it is an inquiry to be matched with Service Providers. As such, we do not make any decisions regarding the products and services offered by the Service Providers and do not make any underwriting, loan or credit decisions. Subject to the limited exceptions below, we are not your agent, the agent of any Service Provider, nor a broker, lender, creditor for or issuer of the products featured on these Websites.

  1. Conditions of Use

3.1 User Conduct: You are solely responsible for all code, video, images, information, data, text, software, music, sound, photographs, graphics, messages, or other materials (“content”) that you upload, post, publish or display (hereinafter, “upload”) or email or otherwise use via the Service, including uploading to third-party applications or websites such as Discord. CHM reserves the right to investigate and take appropriate legal action against anyone who, in CHM’s sole discretion, violates this provision, including without limitation, removing the offending content from the Service or facilitating removal from the third-party website or applications, suspending or terminating the account of such violators, and reporting you to law enforcement authorities. You agree to not use the Service to:

  • Email or otherwise upload any content in connection with the Service that (i) infringes any intellectual property or other proprietary rights of any party; (ii) you do not have a right to upload under any law or under contractual or fiduciary relationships; (iii) contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment; (iv) poses or creates a privacy or security risk to any person; (v) constitutes unsolicited or unauthorized advertising, promotional materials, commercial activities and/or sales, “junk mail,” “spam,” “chain letters,” “pyramid schemes,” “contests,” “sweepstakes,” or any other form of solicitation; (vi) is unlawful, harmful, threatening, abusive, harassing, tortious, excessively violent, defamatory, vulgar, obscene, pornographic, libelous, invasive of another’s privacy, hateful racially, ethnically or otherwise objectionable; or (vii) in the sole judgment of CHM, is objectionable or which restricts or inhibits any other person from using or enjoying the Service, or which may expose CHM or its users to any harm or liability of any type;
  • Interfere with or disrupt the Service or servers or networks connected to the Service, or disobey any requirements, procedures, policies or regulations of networks connected to the Service or third-party applications or websites utilized to facilitate the Service;
  • Violate any applicable local, state, national or international law, or any regulations having the force of law;
  • Impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity; solicit personal information from anyone under the age of 18;
  • Harvest or collect email addresses or other contact information of other users from the Service by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications;
  • Advertise or offer to sell or buy any goods or services for any business purpose that is not specifically authorized;
  • Further or promote any criminal activity or enterprise or provide instructional information about illegal activities, or any act of moral turpitude; or
  • Obtain or attempt to access or otherwise obtain any materials or information through any means not intentionally made available or provided for through the Service.

3.3 Special Notice for International Use; Export Controls: Software may be available in connection with the Service and the transmission of applicable data, if any, is subject to United States export controls. No Software may be downloaded from the Service or otherwise exported or re-exported in violation of U.S. export laws. Downloading or using the Software is at your sole risk. Recognizing the global nature of the Internet, you agree to comply with all local rules and laws regarding your use of the Service, including as it concerns online conduct and acceptable content.

3.4 Commercial Use: Unless otherwise expressly authorized herein or by CHM in writing, you agree not to display, distribute, license, perform, publish, reproduce, duplicate, copy, create derivative works from, modify, sell, resell, exploit, transfer or upload for any commercial purposes, any portion of the Website or Service, use of the Service, or access to the Website or Service.

  1. Intellectual Property Rights

4.1 Service Content, Software, and Trademarks: You acknowledge and agree that the Service may contain content or features (“Service Content”) that are protected by copyright, patent, trademark, trade secret, or other proprietary rights and laws. Except as expressly authorized by CHM, you agree not to modify, copy, frame, scrape, rent, lease, loan, sell, distribute, or create derivative works based on the Service or the Service Content, in whole or in part, except that the foregoing does not apply to your own User Content (as defined below) that you legally upload to the Service. In connection with your use of the Service, you will not engage in or use any data mining, robots, scraping, or similar data gathering or extraction methods. If you are blocked by CHM from accessing the Service (including blocking your IP address), you agree not to implement any measures to circumvent such blocking (e.g., by masking your IP address or using a proxy IP address). Any use of the Service or the Service Content other than as specifically authorized herein is strictly prohibited. The technology and software underlying the Service or distributed in connection therewith are the property of CHM, its affiliates, and our partners (the “Software”). You agree not to copy, modify, create a derivative work of, reverse engineer, reverse assemble, or otherwise attempt to discover any source code, sell, assign, sublicense, or otherwise transfer any right in the Software in any way connected to the Service. Any rights not expressly granted herein are expressly reserved by CHM.

The CHM and affiliate name and logos may constitute trademarks and service marks of or otherwise be protected by applicable law in favor of CHM. Other CHM product and service names and logos used and displayed via the Service may be trademarks or service marks of their respective owners who may or may not endorse or be affiliated with or connected to CHM. Nothing in this Terms of Service or the Service should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any of CHM’s trademarks or service marks displayed on the Service, without our prior written permission in each instance. All goodwill generated from the use of CHM logos, trademarks, or service marks will inure to our exclusive benefit.

4.2 Third Party Material: Under no circumstances will CHM be liable in any way for any content or materials of any third parties (including users), including, but not limited to, for any errors or omissions in any content, or for any loss or damage of any kind incurred as a result of the use of any such content. You acknowledge that CHM does not pre-screen all content, but that CHM and its designees will have the right (but not the obligation) in their sole discretion to refuse or remove any content that is available via the Service. Without limiting the foregoing, CHM and its designees will have the right to remove any content that violates these Terms of Service or is deemed by CHM, in its sole discretion, to be otherwise objectionable. You agree that you must evaluate, and bear all risks associated with, the use of any content, including any reliance on the accuracy, completeness, or usefulness of such content.

4.3 User Content Transmitted Through the Service: With respect to the content or other materials you upload through the Service or share with other users or recipients (collectively, “User Content”), you represent and warrant that you own all right, title, and interest in and to such User Content, including, without limitation, all copyrights and rights of publicity contained therein, and that you have all required rights to post or transmit such content or other materials without violation of any third-party rights. By uploading any User Content in any way associated with the Service, you hereby grant and will grant CHM, its affiliated companies, and partners a nonexclusive, worldwide, royalty-free, fully paid-up, transferable, sublicensable, perpetual, irrevocable license to copy, display, upload, adapt, perform, publish, distribute, store, modify, and otherwise use your User Content in any and all media, form, medium, technology, or distribution methods now known or later developed and for any and all purposes (commercial or otherwise).

You acknowledge and agree that any questions, comments, suggestions, ideas, feedback, or other information relevant to the Service (“Submissions”), provided by you to CHM, its affiliated companies, or partners are non-confidential and CHM, its affiliated companies, and partners, in addition to third-party applications, will be entitled to the unrestricted use and dissemination of these Submissions for any purpose, commercial or otherwise, without acknowledgment or compensation to you.

4.5 Copyright Complaints: We respect the intellectual property of others. If you believe in good faith that any materials on the Sites infringe upon your copyrights, please send the following information to our Copyright Designated Agent address at [info@coveragehubmarketing.com] including the following information:

  • Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
  • Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit the service provider to locate the material;
  • Your address, telephone number, and email address;
  • A statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law;
  • A statement by you, made under penalty of perjury, that the information in your notification is accurate, and that you are the copyright owner or are authorized to act on the copyright owner’s behalf;
  • A physical or electronic signature of the copyright owner or the person authorized to act on behalf of the owner of the copyright interest.

4.6 Counter-Notice: If you believe that your User Content that was removed (or to which access was disabled) is not infringing, or that you have the authorization from the copyright owner, the copyright owner’s agent, or pursuant to the law, to upload and use the content in your User Content, you may send a written counter-notice containing the following information to the Copyright Agent: your physical or electronic signature; identification of the content that has been removed or to which access was disabled and the location at which the content appeared before it was removed or disabled; a statement that you have a good faith belief that the content was removed or disabled as a result of mistake or a misidentification of the content; and your name, address, telephone number, and email address, a statement that you consent to the jurisdiction of the federal court located within Miami, Florida, and a statement that you will accept service of process from the person who provided notification of the alleged infringement.

If a counter-notice is received by the Copyright Agent, CHM will send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed content or cease disabling it in ten (10) business days. Unless the copyright owner files an action seeking a court order against the content provider, member, or user, the removed content may be replaced, or access to it restored, in 10 to 14 business days or more after receipt of the counter-notice, at our sole discretion.

4.7 Repeat Infringer Policy: In accordance with the DMCA and other applicable law, CHM has adopted a policy of terminating, in appropriate circumstances and at CHM’s sole discretion, users who are deemed to be repeat infringers. CHM may also at its sole discretion limit access to the Service and/or terminate the memberships of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

  1. Third Party Websites

The Service may provide, or third parties may provide, links or other access to other sites and resources on the Internet. CHM has no control over such sites and resources and CHM is not responsible for and does not endorse such sites and resources. You further acknowledge and agree that CHM will not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any content, events, goods, or services available on or through any such site or resource. Any dealings you have with third parties found while using the Service are between you and the third party, and you agree that CHM is not liable for any loss or claim that you may have against any such third party.

  1. Respect Intellectual Property and Confidential Information on Social Media

CHM restricts use and disclosure of the company’s trade secrets, confidential information, and intellectual property in accordance with the Services. Beyond these mandatory restrictions, you should treat the Company’s trade secrets, intellectual property, and other proprietary information about CHM’s materials provided to you in connection with the Services as confidential and not do anything to jeopardize or unwittingly disclose them through your use of social media.

In addition, you should avoid misappropriating or infringing on the intellectual property of artist-teachers, which can create liability for yourself. If you have any questions about whether a particular post or upload might violate the intellectual property, copyright, or trademark rights of any person or entity associated with CHM, then please contact [info@coveragehubmarketing.com].

  1. Indemnity and Release

To the fullest extent permitted by law, you agree to release, indemnify and hold CHM and its affiliates, parents, subsidiaries, and their officers, employees, directors, and agents harmless from any and all losses, damages, expenses, including reasonable attorneys’ fees, rights, claims, actions of any kind and injury (including death) arising out of or in any way relating to your use of the Services, any user content, the Website(s), your connection to the Service, your violation of these Terms of Service, your use of any third-party service discerned from the Website or our Services, or your violation of any rights of another user of the Service or Website. If you are a California resident, you waive California Civil Code Section 1542, which says: “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.” If you are a resident of another jurisdiction, you waive any comparable statute or doctrine.

  1. Disclaimer of Warranties

8.1 Disclaimer of Warranties: YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. EXCEPT AS OTHERWISE EXPRESSLY PROVIDED HEREIN, CHM EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

CHM MAKES NO WARRANTY THAT (I) THE SERVICE WILL MEET YOUR REQUIREMENTS, (II) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (III) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE, OR (IV) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR EXPECTATIONS OR BE SUITABLE FOR ANY PURPOSE WHATSOEVER.

  1. Limitation of Liability

YOU EXPRESSLY UNDERSTAND AND AGREE THAT CHM WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY DAMAGES, OR DAMAGES FOR LOSS OF PROFITS INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF CHM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES), WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER LEGAL THEORY, RESULTING FROM: (I) THE USE OR THE INABILITY TO USE THE SERVICE OR ACCESS TO THE WEBSITE; (II) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE; (III) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (IV) STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (V) ANY OTHER MATTER RELATING TO THE SERVICE OR WEBSITE.

IN NO EVENT WILL CHM’S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES OR CAUSES OF ACTION EXCEED THE AMOUNT YOU HAVE PAID CHM IN THE LAST SIX (6) MONTHS, OR, IF GREATER, ONE HUNDRED DOLLARS ($100).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS SET FORTH ABOVE MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE SERVICE OR WITH THESE TERMS OF SERVICE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USE OF THE SERVICE.

  1. Binding Arbitration; Class Action Waiver

You and CHM agree that these Terms of Service affect interstate commerce and that the U.S. Federal Arbitration Act governs the interpretation and enforcement of these arbitration provisions. This Section 10 is intended to be interpreted broadly and governs any and all disputes between us including but not limited to claims arising out of or in any way relating to any aspect of the relationship between us, this Agreement (including the Privacy Policy and Terms of Service), or the Service and/or Website, whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory. The only disputes excluded from this broad prohibition are the litigation of certain intellectual property and small court claims, as provided below.

If you have any dispute with us, you agree that before taking any formal action, you will contact us at info@coveragehubmarketing.com and provide a brief, written description of the dispute and your contact information (including your username, if your dispute relates to an account). Except for intellectual property and small claims court claims, the parties agree to use their best efforts to settle any dispute, claim, question, or disagreement directly through consultation and good faith negotiations shall be a condition to either party initiating a lawsuit or arbitration.

All disputes, claims, or controversies arising out of or relating to the Terms of Service or the Service that are not resolved by the procedures identified above shall be resolved by individual (not group) binding arbitration to be conducted before JAMS in accordance with the JAMS Streamlined Arbitration Procedure Rules for claims that do not exceed $250,000 and the JAMS Comprehensive Arbitration Rules and Procedures for claims exceeding $250,000 in effect at the time the arbitration is initiated, excluding any rules or procedures governing or permitting class actions. Either you or CHM may request telephonic arbitration, however, arbitration will exclusively take place at the JAMS offices in Miami, Florida.

You and CHM agree to submit to the exclusive jurisdiction of any federal or state court in Miami, Florida in order to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.

The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve all disputes arising out of or relating to the interpretation, applicability, enforceability, or formation of these Terms of Service and Privacy Policy (i.e., this Agreement), including but not limited to any claim that all or any part of these Terms of Services are void or voidable, or whether a claim is subject to arbitration. The arbitrator shall be empowered to grant whatever relief would be available in a court under law or in equity. The arbitrator’s award shall be written and shall be binding on the parties and may be entered as a judgment in any court of competent jurisdiction.

CHM shall and you shall split the cost of any arbitration filing fees and arbitration fees for claims of up to $75,000, unless the arbitrator finds the arbitration to be frivolous. You are responsible for all other additional costs that you may incur in the arbitration including but not limited to attorneys’ fees and expert witness costs unless CHM is otherwise specifically required to pay such fees under applicable law. If your claim is solely for monetary relief of $10,000 or less, and does not include a request for any type of equitable remedy, you may choose whether the arbitration will be conducted solely based on documents submitted to the arbitrator, through a telephonic hearing, or by an in-person hearing.

You and we agree that the arbitration shall be conducted in the party’s respective individual capacities only and not as a class action or other representative action, and the parties expressly waive their right to file a class action or seek relief on a class basis. YOU AND CHM AGREE THAT EACH MAY BRING CLAIMS ACHMNST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. If any court or arbitrator determines that the class action waiver set forth in this paragraph is void or unenforceable for any reason or that an arbitration can proceed on a class basis, then the arbitration provisions set forth above shall be deemed null and void in their entirety and the parties shall be deemed to have not agreed to arbitrate disputes.

Notwithstanding the parties’ decision to resolve all disputes through arbitration, you or we may bring enforcement actions, validity determinations or claims arising from or relating to theft, piracy or unauthorized use of intellectual property in state or federal court with jurisdiction or in the U.S. Patent and Trademark Office to protect intellectual property rights (“intellectual property rights” means patents, copyrights, moral rights, trademarks, and trade secrets, but not privacy or publicity rights). You or we may also seek relief in a small claims court for disputes or claims within the scope of that court’s jurisdiction to the extent such claims do not seek equitable relief.

You have the right to opt out and not be bound by the arbitration and class action waiver provisions set forth above by sending written notice of your decision to opt out to CHM to the address identified in Section 14 below. The notice must be sent within thirty (30) days of (a) the “Date of Last Revision” date of these Terms of Service as set forth above; or (b) your first date that you used the Services or accessed the Website that included this version of the mandatory arbitration and class action waiver, whichever is later. Otherwise, you shall be bound to arbitrate disputes in accordance with the terms of these paragraphs. If you opt out of these arbitration provisions, CHM also will not be bound by them. If CHM changes this ‘Arbitration’ section after the date you first accepted these Terms of Service (or accepted any subsequent changes to these Terms of Service), you may reject any such change by sending us written notice within 30 days of the date such change became effective, as indicated in the “Date of Last Revision” date above or in the date of CHM’s email to you notifying you of such change. By rejecting any change, you are agreeing that you will arbitrate any dispute between you and CHM in accordance with the provisions of this section as of the date you first accepted these Terms of Service (or accepted any subsequent changes to these Terms of Service).

YOU UNDERSTAND AND AGREE THAT THE ABOVE DISPUTE PROCEDURES SHALL BE YOUR SOLE REMEDY IN THE EVENT OF DISPUTE BETWEEN YOU AND CHM REGARDING ANY ASPECT OF THE SERVICE (INCLUDING THE ENROLMENT PROCESS) AND THAT YOU ARE WAIVING YOUR RIGHT TO LEAD OR PARTICIPATE IN A LAWSUIT INVOLVING OTHER PERSONS, SUCH AS A CLASS ACTION.

  1. Termination

You agree that CHM, in its sole discretion, may suspend or terminate your account (or any part thereof) or use of the Service and remove and discard any content within the Service, for any reason, including, without limitation, for lack of use or if CHM believes that you have violated or acted inconsistently with the letter or spirit of these Terms of Service. Any suspected fraudulent, abusive or illegal activity that may be grounds for termination of your use of Service, may be referred to appropriate law enforcement authorities. CHM may also in its sole discretion and at any time discontinue providing the Service, or any part thereof, with or without notice. You agree that any termination of your access to the Service under any provision of this Terms of Service may be effected without prior notice, and acknowledge and agree that CHM may immediately deactivate, restrict or delete your account and all related information and files in your account and/or bar any further access to such files or the Service, whether stored on a third-party application or otherwise. Further, you agree that CHM will not be liable to you or any third party for any termination of your access to the Service.

  1. Disputes Between Users

You agree that you are solely responsible for your interactions with any other user in connection with the Service and the Website, and CHM will have no liability or responsibility with respect thereto. CHM reserves the right, but has no obligation, to become involved in any way with disputes between you and any other user of the Service.

  1. General

These Terms of Service constitute the entire agreement between you and CHM and govern your use of the Service, superseding any prior agreements between you and CHM with respect to the Service. You also may be subject to additional terms and conditions that may apply when you use affiliate or third-party services, third-party content, or third-party software. These Terms of Service will be governed by the laws of the State of Florida without regard to its conflict of law provisions. With respect to any disputes or claims between the parties to this Agreement (and any third-party beneficiaries) which are not subject to arbitration, as set forth in Section 10 above, you and CHM agree to submit to the personal and exclusive jurisdiction of the state and federal courts located in Miami, Florida.

The failure of CHM to exercise or enforce any right or provision of these Terms of Service will not constitute a waiver of such right or provision. If any provision of these Terms of Service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these Terms of Service remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or these Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred. A printed version of this agreement and of any notice given in electronic form will be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form. You may not assign this Agreement without the prior written consent of CHM, but CHM may assign or transfer this Agreement, in whole or in part, without restriction in its sole discretion. The section titles in these Terms of Service are for convenience only and have no legal or contractual effect. Notices to you may be made via either email or regular mail. Under no circumstances shall CHM be held liable for any delay or failure in performance resulting directly or indirectly from an event beyond its reasonable control. The Service may also provide notices to you of changes to these Terms of Service or other matters by displaying notices or links to notices generally on the Service.

  1. Information Retention and Right to Delete

A consumer has the right to request, via verifiable request method, that we delete any personal information about the consumer that has been collected. Upon receipt of such request, we shall delete the information and shall direct its insurance carriers to delete the information from its records as well, except under limited circumstances where the consumer’s information is required to: (1) compute the transaction for which the personal information was collected, provide a good or service requested by the consumer, or reasonably anticipated within the context of our ongoing business relationship with the consumer, or otherwise perform a contract between CHM and the consumer; (2) detect security incidents; protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity; (3) debug to identify and repair errors existing intended functionality; (4) exercise free speech, ensure the right of another consumer to exercise his/her right of free speech, or exercise another right provided for by law; (5) comply with applicable law; (6) engage in public or peer-reviewed scientific, historical, or statistical research in the public interest; (7) to enable solely internal uses that are reasonably aligned with the expectations of the consumer based on the consumer’s relationship with CHM; (8) comply with a legal obligation; (9) otherwise use the consumer’s personal information, internally, in a lawful manner that is compatible with the context in which the consumer provided the information.

Any information you provide to us will be retained until you make the decision to cancel your account with us. If you want to cancel your account or if you want to request that we no longer use your information to provide you with products and services, you can contact us at info@coveragehubmarketing.com. Even after this request, your information may be retained for the appropriate amount of time to comply with various legal and statutory obligations.

Right to Not Be Discriminated Against: Should you decide to exercise any of the above-mentioned rights under applicable law, we are prohibited from discriminating against that consumer for that exercise. However, important to note is that CHM also offers a different price, rate, level, or quality of goods or services to the consumer if that price or difference is directly related to the value provided to the consumer by the consumer’s data.

Disclaimer Regarding Marketing Partners: Because CHM IS NOT AN INSURANCE PROVIDER, we cannot ultimately decide whether or not you are approved for an insurance policy. The operator of this website will share the information you provide with participating insurance carriers, advertisers, networks, and other partners who may or may not provide you with an insurance policy. Providing your information on this website does not guarantee that you will be chosen by an insurance carrier or approved for an insurance policy. We do not act as agents, brokers, or representatives for any of our insurance carriers, and we do not endorse or charge you for any service or product. All information that we collect and share about you is in accordance with our Privacy Policy which we advise you to review before submitting any information using our form.

Because each insurance carrier is different and CHM has no control over the rates and fees each insurance carrier charges, we urge you to carefully review the terms associated with the offer before accepting or declining. Please remember that you are never under any obligation to accept an offer from an insurance carrier and you can cancel the entire process at any time at your discretion. CHM cannot be held accountable for any charges or terms presented to you by an insurance carrier, and we are in no way responsible for any agreement between you and an insurance carrier. For details, questions, or concerns regarding your insurance policy, please contact your insurance carrier directly. Please note that insurance carrier terms may vary, and insurance carriers may use different criteria to determine whether an applicant is eligible for a policy. Not all who submit a request for an insurance policy will be chosen by an insurance carrier or approved for an insurance policy. If you are not chosen by an insurance carrier in the participating insurance carrier network, your information may be offered to participating third-party advertisers and generators for consideration.

It is not our policy to perform credit checks on any of our customers. However, some of the insurance carriers in our network might perform a credit check before making their decisions using the three major reporting bureaus like, TransUnion, Experian, and Equifax, as well as other alternate sources of consumer information. In the end, your credit rating may be impacted by a particular insurance carrier’s actions. If you do not pay your insurance policy fee by the specified due date, your insurance carrier may choose to report this delinquency to one or more of the major credit bureaus, which could negatively affect your rating.

Any of the information that you read on this website may be changed at any time without any prior notice. We cannot guarantee that your submitted information will be provided to an insurance carrier or that an insurance carrier will approve you for an insurance policy.

We do not charge you any fees to submit an insurance policy request, be connected with an insurance carrier, or to receive insurance offers or quotes. If you receive a quote or an insurance offer, the insurance carrier with which you may be connected is available to review its terms with you at no cost. It’s possible that the insurance carrier may require a fee to process your formal insurance policy application and/or credit report, but until you agree to pay the insurance carrier any fee(s) or sign any insurance policy agreements, you may shop with us at no cost.

The offers that you might receive are from companies from which we receive compensation. This compensation may impact what offers you receive and how/where products appear on this site (including, for example, the order in which they appear). We do not include all insurance carriers available in the marketplace. If you are presented with an offer, carefully review the details before signing.

Our marketing partners include: Elite Insurance Group, Guided Solutions, Guided Solutions LLC, Urban Marketing LLC, Quoting Fast, Lettuce LLC, ADT Solar, ADT, The-Solar-Project.com, SunPro Solar, Sunrun, Sun Power, NationalHomeProject, NewStrata, Superior Home, Glass Roots Marketing LLC, SolidQuote LLC, LendMarx LLC, QuinStreet, 21st Century Insurance, 2insure4less, 4th Dimensional Leads, Susy Holdings LLC, 5 Star Auto Protection, A & E Vehicle Services, A&B Insurance, A&B Insurance and Financial, Warranty Protection Services, AA Auto Protect, AAA Insurance Co., AABCO, AARP, ABC Marketing, ABCLeads, Abrazo Health, ABS Healthcare, ABS Insurance, ACA Express, Academic Advising, Acceptance, Access Insurance, AccordantMedia, Accuquote, Acordia, Acquire Health, Acquisition Tech, Acquisition Technologies, Admaric, Admediary, Admiral Life, Adrea Rubin, Adrea Rubin Marketing, Adserv Inc, Advanced Vehicle Protection Center, Advantage Protection, Advantra, Advice & Life, Advocacy Center, Advocate Health, Advocator Group, Adzio LLC, Aegis First, Aegis Security, Aegon US Holding Corp., Aetna, Affiliated Benefits Group, Affiliated Brokers Insurance, Affiniti Financial, LLC, Affinity Health Plan, Affirmative, Affordable Car Cure, Affordable Health Direct, Affordable Life USA, AFLAC, AGA, AgedLeadStore.com, Agent Insider, AgentCubed Marketplace, AgentFranchise, LLC, Agentra Healthcare, Agile Health, AHCP, AHH, AHIA, AHIX, AIA Direct, AIG, AIG Direct, AIO, AIP, AIS, AIU, Everything Breaks Inc., AIU Insurance, Akila Digital, Aldridge Insurance Group, Alfa Insurance, Aliera Healthcare, All Digital Promotions, All Nation, All Risk, All Web Leads, All Web Leads Company Allied Insurance, Allegiant Group, Alliance & Associates, Alliance 321, Alliance and Associates, Alliance Health, Alliance Insurance, Alliance National Health, Allianz, Allianza, Allied, Allied Coverage, Allied Health, Allied Insurance, Allied Insurance Partners, Allied Vehicle Protection, Allina Health, Allstarz, Allstate, Allstate County Mutual, Allstate Indemnity, Allstate Insurance, ALLWEB, AllWebLeads, Alpine Digital Group Inc., America Auto Care, America Direct, America’s Health Advisors, America’s Health Care Plan, America’s Insurance, America’s Trust, Inc., American, American Advisors Corp., American Alliance, American Alliance Insurance, American Auto Club, American Automobile Insurance, American Automotive Alliance, LLC, American Banks, American Benefits Group, American Casualty, American Continental, American Deposit Insurance, American Direct Business Insurance, American Economy, American Empire Insurance, American Family, American Family Insurance, American Family Mutual, American Fidelity Assurance, American Fidelity Corp., American Financial, American Financial Group, LLC, American General, American Health Hub, American Health Plans, American Health Underwriters, American Home Assurance, American Income Life Insurance Company, American Income Life Insurance Company Family, American Insurance, American Insurance Agencies, American Insurance Agencies Direct, American Insurance Agencies Direct Inc., American Insurance Organization, American Insurance Organization, LLC, American International, American International Ins, American International Pacific, American International South, American Life & Health, American Manufacturers, American Mayflower Insurance, American Motorists Insurance, American National Insurance, American National Insurance Co, American National Insurance Company, American National Property and Casualty, American Premier, American Premier Insurance, American Protection Insurance, American Reliable, American Republic, American Republic Insurance Co., American Savers Plan, American Security Insurance Company, American Service Insurance Agency, American Skyline Insurance Company, American Spirit Insurance, American Standard, American Standard Insurance – OH, American Standard Insurance – WI, American Standard Insurance – OH, American Standard Insurance – WI, American States, Americans Choice Health, Americare, Americare Group, Americare/American Enterprise, Americas Health Brokers, Americas Health Group, Americas Trust, Inc., America’s Health Advisors, America’s Health Care Plan, America’s Insurance, America’s Trust, Inc., AmeriChoice, Americo, Americor, Amerigroup, AmeriHealth, Amerilife, AmeriPlan, Ameriprise, Ameriprise Financial Group, Ameriquote, Amerisure, Ameritas Life, Amica, Amica Insurance, Angelic Marketing Group, Angelic Marketing Group, LLC, ANPAC, Answer Financial, Anthem, Anthem / BCBS, Anthem BCBS, Anthem Blue Cross and Blue Shield, Anthem/BCBS, AON, Aon Corp., Apex Healthcare Advisors, Apex United Corp., API, Apliant, Apollo Group, Apollo Insurance Group, Apollo Interactive, Aragon Advertising, Arbella, Ardent Health Services, Arizona General, Armed Forces Insurance, Artisan Warranty, Assigned Risk, Associated Indemnity, Associated Insurance Managers, Assurance, Assurance IQ, Assurance IQ, Inc., Assurance Life, Assurant, Assurant, Bankers Life and Casualty, Assured Life, Astonish, Astoria Company, Atlanta Casualty, Atlanta Specialty, Atlantic Auto Protection, Atlantic Blue Media, Atlantic Health, Atlantic Indemnity, Atlantis, Atomic Leads, Audience Serv, Austin Mutual, Auto 1 Protection, Auto Care Warranty Solutions, Auto Club Insurance Company, Auto Insurance Guide, Auto Owners, Auto Policy Center, Auto Protection 1, Auto Protection Club, Auto Protection Group, Inc, Auto Protection Plus, Auto Repair Network, Auto Repair Protection Services, Auto Service Center, Auto Service Department, AutoAssure, Autoguard Pro, Automotive Service Protection, Automotive Services Center, Avendia Management, Avenge Digital, Avesis, Aviva, Avmed, AvMed Inc., Avomark, AXA Advisors, AXA Insurance Group, Axis Auto Protection, Badger Mutual, Banker’s Fidelity, Bankers & Shippers, Bankers Life and Casualty, Banker’s Fidelity, Bankrate, Bankrate Insurance, Bankrate, Inc., Banner Life, Bantam Connect, Bantam Connect LLC, Bargain Hunters, Bartleson Brokers, Bayside, BBRS Group, BCBS, BCBS Georgia, BCBS of Florida, BCBS of Michigan, BCBS Ohio, Beacon Leads, LLC, Beazley Group, Benefit Advisors, Benefit Concepts, Benefit Mall, Benepath, Benepath Health Insurance, Best Agency USA, Best Obamacare, BestQuotes, BGA Insurance, BH Direct, BH Insurance Solutions, LLC, Blip Marketing, Blip Marketing (DBA), Blue Cross, Blue Cross – Anthem, Blue Cross and Blue Shield, Blue Cross and Blue Shield Association, Blue Cross Blue Shield, Blue Cross Blue Shield of Nebraska, Blue Cross of South Carolina, Blue Cross/Blue Shield Association Companies, Blue Ink Digital, Blue Shield of CA, Blue Shield of California, Blue Whale Media, Blue Wing Ads, BlueCross/Blue Shield Association Companies, BMO Corp Inc, BMP Insurance, Bold Media Group, Bolt, Bonneville, Boost, Boost Health Insurance, Boston Old Colony, Bravo Health, Bridge Marketing, Bright Health Plan, Bright Home Energy, Brightway, Brokers Revolution, Brooke Franchise Corporation, Brooke Insurance, Brookstone Financial, BRXTN Digital Media, Btel, Btel Communications, Budget Family Insurance, Builders, c0aster, C3 Data LLC, Caitlin Insurance Co., Cal Farm Insurance, California Casualty, California State Automobile Association, Call Blade, Call Center Partnerships, Call Lead Solutions, Call Trader, Call Trader LLC, Call4SeniorSavings.com, Cambia, Camden, CAN, CancerInsurance.com, Candid Maven, CAP Brokerage, INC, Capital Auto Protection, Capital Choice, Capital District Physicians Health Plan, Capital Health Insurance of America, Car Guardian, Carchex, Care Entrée, Career Plan Guide (CPG), CareMore, Caresource, CareZone, Carezone Inc., CareZone Insurance Services, CarGuard Administration, Carle Clinic Association, CarShield, Cascade National Ins, Casualty Assurance, Catholic Financial Life, CDPHP, CDX, Cege, Cege Media, Celtic Insurance, Centene, Centene Corp., Centene Corporation, Centennial, Century Benefits, Certainty Auto Protection, Champion Leads LLC.Finsideinside, Charter Oak, Chase Insurance Group, Cherry Blitz, Chesapeake, Chicago Insurance, Chinese Community Health Plan, Choice Direct, Choice Health Insurance, Choice Insurance, Christian Fidelity, Chubb, Church Mutual, Cigna, Citigroup, Citirex, Citizens, Citizens Disability, Clarendon American Insurance, Clarendon National Insurance, Clean Energy Concepts, Clear Choice Health, Clear Link Insurance Agency, LLC, Clear One, Clearlink, Cloudia Assistant, Cloverleaf, CMG Solutions, CNA Insurance holdings, Headquarter Insurance, Health & Life Advantage, Health 1nsurance.com, Health Advisors, Health America, Health and Life Associates, Health and Life Plans of America, Health Benefits Center, Health Benefits Direct, Health Benefits One, Health Care Service Corp., Health Care Solutions, Health Choice One, Health Connection Insurance, Health Corp USA, Health Coverage Fast, Health Dime, Health eDeals, Health Enrollment Center, Health Exchange Agency, Health First Advisors, Health Heritage Advisors, Health I.Q., Health Insurance Advantage, Health Insurance Advisors, Health Insurance Alliance, Health Insurance Alliance, LLC, Health Insurance for Everyone, Health Insurance Innovations, Health Insurance of America, Health Insurance Services, Health Insure For You, Health Markets, Health Net, Health Network, Health Now New York Inc., Health Option One, Health Partners of Philadelphia, Health Partners of Philadelphia Inc., Health Plan One, Health Plan Services, Health Plans 4 Less, Health Plans America, Health Plans of America, Health Plus, Health Plus of America, Health Pocket, Health Reform Team, Health Sherpa, Health Solutions One, Health Solutions Team, Health Trust Financial, Health1nsurance.com, Healthcare Advisors, HealthCare Alternatives, Healthcare Direct, Healthcare Solutions, Healthcare Solutions Team, Healthcare Solutions Team, LLC., HealthCare, Inc., Healthcare.com, HealthCompare, HealthCompare Insurance Services, Inc., HealtheDeals, Healthedeals.com (“healthy deals”), HealthInsurance.com, HealthInsurance.org, HealthIQ, Healthline Care, HealthMarketers, Healthmarkets, HealthMarkets / Insphere, HealthMarkets Inc., HealthMarkets Insphere, HealthMarkets Insurance Agency, HealthMarkets/Insphere, HealthMatchup, HealthNet, HealthPartners, HealthPlan Advisors, HealthPlan Intermediaries Holdings, LLC, HealthPlan Services, HealthPlanMatchup, HealthPlanOne, HealthPlus of Michigan, HealthPocket, HealthQuote of NY, HealthQuoteInfo.com, HealthShare America, HealthShare American, HealthSpan, HealthSpire, HealthSpring, Healthy Halo, Heard and Smith, Henry Ford Health System, Heritage, Heritage Health Advisors, Heritage Health Group, Heritage Life Insurance Company, HHA, HIA, High Quality Vehicle Protection, Highland Health Direct, Highland Health Direct, LLC., Highmark, Highmark BCBS, HII, HII – Starr Insurance, HIIQ, HIP Health Plan, HIP Insurance, Hippo, Hippo Insurance, Hiscox, HK Flavors Limited, Hola Doctor, HolaDoctor, HolaDoctor, Inc., Home Bundles, Home Insurance King, Home Path, Home Savings, Home Security Promotions, Home Services companies, Homeinsurance.com, Homeland Health, Homeland Healthcare, Hometown, Hometown Quotes, Horace Mann, Horizon, Horizon Health Advisors LLC, Horizon Health Insurance, Horizon Media, Inc., Hospital Services Association of NEPA, How to Enroll, HPO, HSK Insurance Solutions, HSO, HST, HST Enrollment Center, Humana, HyperTarget, Hypertarget Marketing, IAB, iCan Benefit, iCan Benefit Group, iCan Benefit Group, LLC, iCan Group, Ideal Concepts, Ideal Concepts, Inc., iDeal Group Inc, iDeal Health Benefits, IDS, IFA Auto Insurance, IFA Insurance Company, IGF Ins., IGF Insurance, IHC, IHC Group, IHC Health Plans, IHC Specialty Benefits, Inc., IIS Insurance, iLife and Health, IMO, Inavision, Independence American Insurance Company, Independence Blue Cross, Independent Carriers, Independent Health Association, Individual Health Quotes, INDS, Infinity Insurance, Infinity National Insurance, Infinity Select Insurance, Infinix, Infinix Media, Infinix Media, LLC, ING, ING US Life, Innovation Direct Group, Innovation Group of South Florida, Innovative Benefit Concepts, Inquire Media, Ins-leads.com, Inside Response, Inside Response, LLC, Insphere, Insphere Insurance Solutions, Insur. of Evanston, InsuraMatch, Insurance Care Direct, Insurance Central, Insurance Depot of America, Insurance Express, Insurance Health Hotline, Insurance Insight, Insurance Line One, Insurance Management Associates, Insurance Medics, Insurance Services, Insurance Solutions Direct, Insurance.com, InsuranceCareDirect, InsuranceLeads.com, InsuranceOnly, InsuranceProz, Insurancequotes, InsuranceQuotes, Inc., insuranceQuotes.com, Insure Me Health, Insure.com, Insurealife, Insured Street, InsureMe, Insurify, Insurzy, Insweb, Integon, Integrate, Integrated Benefits, Integrity Vehicle Group, Integrity Vehicle Services, Intelecare Inc, IntelliQuote, intentlogic, Inter Valley Health Plan, Interstate, Investors Life, IPA Agents, IPA Direct, IPA Family, iPlan Health Group, iPolicyQuote, iQuoteX, iVolve Health, iWebQuotes, Jackson National Life, Jangl, JCG New Media, JLS, John Deere, John Hancock, Johnny Watts Agency, JRC Insurance Group, Kaiser, Kaiser Foundation Health Plan, Kaiser Permanente, Kaiser, Medicare Solutions, Kaleida Health, Kallstar, Kanopy, Kanopy Insurance, Kateway Consulting, Kauffman Insurance Group, Keenan Associates, Kelly Klee Private Insurance, Kelsey-Seybold, Kemper, Kemper Lloyds Insurance, Kentucky Central, Key insurance Advisors, Keystone, Kin, Kind Health, Kind Insurance Inc., Knights of Columbus, Koenig Quotes, Komparison, L.A. Care Health Plan, Ladder Life, Landmark American Insurance, Lands Health, LBCOT Insurance, LCN, Lead Emblem, LLC, Lead Foundations, Lead Origins, LeadAmp, LeadCloud, LeadCloud, LLC, Leadco, LeadEnvoy, Leader General, Leader Insurance, Leader National, Leader National Insurance, Leader Preferred Insurance, Leader Specialty Insurance, Leadnomics, Leadsrow, League General, LeClair Insurance, Legacy Benefits Services, Legal & General America, Level One Health Group, Liberty Automobile Protection, Liberty Bell Auto, Liberty Health Plan, Liberty Health Professionals, Liberty Health Solutions, Liberty Insurance Corp, Liberty Mutual, Liberty Mutual Fire Insurance, Liberty Mutual Insurance, Liberty Mutual Insurance Company, Liberty National, Liberty National Life Insurance Company, Liberty Northwest, Liberty Northwest Insurance, Life Quotes, Inc., LifeInsuranceMatchup, LifeLine Direct, Lifeline Direct Insurance, Inc, LifeQuotes, LifeSecure, Lifetime Healthcare, LifeWise Health Plan, LifeWise Health Plan of Oregon, Lighthouse Insurance, Lighthouse Insurance Group, Lighthouse Insurance Group LLC, LightHouse Insurance Health, Lincoln Benefit Life, Lincoln National, Line East Leads, Link Interactive, ListenClear, Liz Byrne USHA, LLC, LLicensed Insurance Advisors, Lockton Affinity Group, Longevity Alliance, Loud Cloud Nine / LCN, Louisiana Health Services, Loyal American, LS Lead Generation, LTC Financial Partners, Lumbermens Mutual, M Plan Inc., Madera Digital, LLC, Madison National Life Insurance Company, Managed Health Inc., MAPFRE, Marathon, Marchex, Markel American, Martin Insurance, Martin Insurance Group, Martin’s Point, Martin’s Point, Maryland Casualty, Mass Mutual, Mass Nexus, Massachusetts Mutual, MassNexus, Match Media Group, Match Media Group, LLC, Matrix Direct, Matrix Warranty Solutions, Maxim Strategies, Maxxlocal, Me!Box Media, MedGapDirect, Media Alpha, Media Alpha Exchange, Media Champs, Media Mix 365, MediaAlpha’s Marketing Partners, MediaAlpha’s Agent Partners, MediaStratX, Mediastratx, LLC, Medica, Medical Card System Inc., Medical Mutual of Ohio, Medicare Enroller, Medicare Health Benefits, Medicare Plan Finder, Medicare Providers, Medicare Solutions, Medicare Trusted Solutions, LLC, MedicareAdvantage.com, Medicareplan.com, MedicareProz, Medigap360, MEGA Life and Health, MEGA Life and Health Insurance, Mega/Midwest, Mendota, Merastar, Mercury, Mercy, Metlife, MetLife Auto and Home, MetLife Insurance, Metropolitan Co., Metropolitan Insurance Co., MG Insurance, Mid Century Insurance, Mid-Continent Casualty, Mid-West Ntl. Life, Middlesex Insurance, Midland National, Midland National Life, Midwest Mutual, Midwest Repair Defense, Migo Insure, Mikayla Data, Millbank, Millers Mutual, Milwaukee General, Milwaukee Guardian, Milwaukee Mutual, Minnehoma, Minnesota Mutual, Mississippi Insurance, Missouri General, MJ Direct, MMI Group, MMM Healthcare Inc., Modern Health, Modern Health, LLC, Modern Woodmen of America, Molina, Molina Healthcare, Molina Healthcare Inc., Momentum Marketing Services Solutions, Mony Group, Mortgage Protection Bureau, Moss, Moss Affiliate, Moss Affiliate Marketing, Motor Vehicle Assurance, Motors, Mountain Financial, Mountain Laurel, Mutual Insurance, Mutual Of Enumclaw, Mutual of New York, Mutual of Omaha, MVA Warranty, MVP, My Agent Solution, LLC, My Best Health Plan, My Insurance Solutions, MyHealthAngel.com, MyInsuranceExpert, MyRetiree Health, NAFS, Name My Premium, Nat’l Farmers Union, Natcap Inc, Nation Health Advisors, National Alliance, National Auto Protection Corp., National Ben Franklin Insurance, National Better Living Association, National Brokerage, National Brokers of America, National Casualty, National Colonial, National Continental, National Continental Insurance, National Coverage Center, National Disability, National Family, National Family Assurance Group, Inc., National Fire Insurance Company of Hartford, National General Insurance, National General Insurance Company, National Health Connect LLC, National Health Connect, LLC, National Health Hub, National Health Hub LLC, National Health Insurance, National Health Plans, National Health Plans dba Your Lowest Quote, National Health Plans LLC, National Health Solutions, National Healthcare Advisors, National Income Life Insurance Company, National Indemnity, National Insurance, National Merit, National Repair Solutions, National Surety Corp, National Union Fire Insurance, National Union Fire Insurance of LA, National Union Fire Insurance of PA, National Vehicle Protection Services, Inc., Nations Auto Protection, Nations Health Group, Nations Health Group Guide One Insurance, Nations Insurance Solutions, Nationwide, Nationwide General Insurance, Nationwide Health Advisors, Nationwide Insurance Company, Nationwide Mutual Fire Insurance, Nationwide Mutual Insurance, Nationwide Property and Casualty, Navy Mutual Aid Association, NCWC, Inc., Need Health, needHEALTH, Neighborhood Health Plan Inc., Neilson Financial Services, Neo Ogilvy, Net Health Affilates Inc., Net Health Affiliates Inc., NetQuote, Network Media Tank, New Career, New England Financial, New Era, New York Life, New York Life Insurance, NewQuest, Next Gen, Next Level Benefits Incorporated, Next Wave Marketing, Next Wave Marketing Strategies, Inc, NextGen, NextGen Leads, NextGen Leads, LLC, Nexus Corporation, Nexus Enterprise Solutions, NGIC, NHA, NMP Insurance Services, LLC / NameMyPremium, Noridian Mutual Insurance Company, North American, North Pacific, North Pointe, North Shore, Northern Capital, Northern States, Northland, Northwest Medical, Northwest Pacific, Northwestern, Northwestern Mutual, Northwestern Mutual Life, Northwestern Pacific Indemnity, Norvax, Norvax, LLC., NuHealth, Number One Health, Number One Health Insurance Agency Inc., NuStar Insurance, Offer Advisors, Offer Strategy, Offerweb, Ohio Casualty, Ohio National Life, Ohio Security, Old Mutual US Life, Olympia, Omaha, Omega Auto Care, Omni Indemnity, Omni Insurance, Omni Research, Oncor Direct, ONCOR Insurance Services, One Source Warranty, One Touch Direct, Online Digital LLC, Onviant Insurance Agency Inc, Onviant, LLC, Onyx Digital Media, Open Market Quotes, Optimum HealthCare, Oregon Mutual, Orion Ins., Orion Insurance, Oscar, OSCAR Health, Oscar Health Insurance, Ox Car Care, Oxford, Oxford Health Plans, Oxford Insurance, Oxford Marketing Partners, Oxford Marketing Partners, LLC, Pacific Benefits Group, Pacific Benefits Group Northwest, Pacific Indemnity, Pacific Insurance, Pacific Life, Pacific Life and Annuity, PacifiCare, Pafco, Pafco General Insurance, Page One Projects, Palmer Administrative Services, Inc, Palmetto Senior Solutions, Palms Health Group, Paloverde, Parasol Agent Network, Parasol Agents Network, Parasol Leads, Parasol Leads, Inc., Patriot General, Patriot General Insurance, Pay Per Call Market, PB Solutions, Peace of Mind Solutions, Peak Advertising, Peak Performance, Peak Property and Casualty Insurance, Peak Protection Group, Pemco, PEMCO Insurance, Penn America, Penn Mutual, Pennsylvania Natl, Phoenix, Phoenix Life, Physicians Health Plan, Physicians Life, Physicians Mutual, Physicians United Plan, Pickett Group/TermLifeMatch, Pier21 Media, Ping Leads, Pinnacle, Pinney Insurance Center, Inc., Pioneer Life, Pivot, Pivot Health, PivotHealth, LLC, PJP Agency, PJP Health, PJP Health Agency, Plasmid Direct, Plasmid Media, LLC, Platinum Leads, Platinum Plus Auto Protection, Plymouth Rock, PM Group Loans, PMIC, PolicyBind, PolicyFuel, Power Source Marketing, Practical Marketing, Precise, Precise Health Insurance Advisors, Precise Leads, Precise Solutions Group, Precursor Media, Precursor Media, LLC, Preferred Abstainers, Preferred Care, Preferred Health Advisors, Preferred Health Solutions LLC, Preferred Mutual, Premera Blue Cross, Premier, Premier Business Solutions, Premier Choice Health, Premier Disability, Premier Health Solutions, Premier Precision Group, Presbyterian Health Plan, Presbyterian Healthcare Services, Presidio, Presidio Interactive, Presidio Interactive Corp, Presidio Interactive LLC, Presido Interactive, Prestige, Primary Health Care, Prime Care, Prime Care Health, Primerica, Principal, Principal Financial, Principal Financial Group, Principal Life, Priority Health, Priority Insurance, Priority One Health, Pristine Media Group, Private Reserve Group, Inc, ProEco Solutions Inc, Progressive, Progressive Auto Pro, Progressive Insurance, Progressive Motorcycle, Promise Health Insurance, Protech Vehicle Services LLC, Protect My Car, Protect Your Home, Protective Casualty, Protective Life, Protectmycar.com, Providence, Providence Health Plan, Provident, Prudential, Prudential Insurance Co., Prudential of America, PURE, Puritan Health, PX Inc, Pyramid Life, Q3M Insurance Solutions LLC, Qatalyst, QHS, Qualified Healthcare Solutions, Qualilty Healthcare Solutions, Quality, Quality Health Organization, Quality Healthcare Solutions, Quality Healthcare Solutions, Inc., Quantum 3 Media, LLC, Quick Health, Quick Life Center, LLC, Quick Medigap, QuickInsured, QuickQuote, Quilt, QuinStreet, Inc., Quote Engine, Quote Selection, Quote Selection Insurance Services, Inc, Quote Storm, Quote Whiz LLC, Quote Wizard, Quotelab, QuoteLab Marketing Partners, QuoteStorm, QuoteWhiz, QuoteWhiz, LLC, QuoteWizard, QuotIt, Ramsey, Ranger, Rank Media, Rank Media Agency, RateMarketplace, Ray Chisolm, RBC Liberty Insurance, Real Results, Recall Digital, Red Auto Protection, Red Ocean Leads, RedVentures, Reel Media Ventures, Reel Media Ventures, LLC, Refipros, Regal, Regence, Reliable Auto Service Contracts, Reliance, Reliance Insurance, Reliance National Indemnity, Reliance National Insurance, Reliant, ReliaQuote, Renaissance Health Services Corp., Renew.com, Renew.com Inc., RepairBANC, Republic Indemnity, Resource Group, Response Insurance, Revi Media, ReviMedia, RevPoint Media, Rex Direct, Ring Latino, Ring Router, Rising Eagle Capital Group, RMC Insurance Services, RMC Insurance Services LLC, Roadstead Auto Protection, Rockford Mutual, Rodney D. Young, Rogue E-Cigs, Ronin Revenue, Royal Admin, RPG Leads, RPM Direct, RSA, Safe Auto, Safe Streets USA LLC, SafeAuto, SAFECO, Safeguard, Safeguard Ins Market, Safeguard Insurance Market, Safeway, Safeway Insurance, Safeway Insurance Co of AL, Safeway Insurance Co of GA, Safeway Insurance Co of LA, Sagicor, SalesRadix, Savings Bank Life Insurance Company of Massachusetts (SBLI), SBLI, Scan Health Plan, SCMS, Scott and White, ScriptRelief, Sea West Insurance, Seascape, Seascape Health, Seascape Life, Secura, Secure Automotive Solutions Inc, Secure Car Care, Secure Horizons, Secured Health, Secured Health and Life, Security Health Plan of Wisconsin Inc., Security Insurance, Security Insurance Co of Hartford, Security National, Security National Insurance Co of FL, Sedgwick James, Select Quote, Select Quote Senior, SelectHealth, Selective Healthcare, SelectQuote, SelectQuote A&H, SelectQuote A&H;, SelectQuote Insurance Services, SelectQuote Life, SelectQuote Senior, Senior Care Benefits, LLC, Senior Care USA, Senior Health Connect, Senior Health Connection, Senior Health Direct, Senior Healthcare Direct, Senior Market, Senior Market Advisors, Senior Market Partners, Senior Market Quotes, Senior Market Sales, Senior Plus Advisors, SeniorCare USA, SeniorQuote Insurance Services, Sentara Health Management, Sentinel Insurance, Sentry, Sentry Group, Sentry Insurance a Mutual Company, Sentry Insurance Company, Sentry Insurance Group, Sharp Health Plan, Shelter Insurance, Shelter Insurance Co., Shelter Insurance Company, Sierra Health Services, Simple Health, Simple Health Plans, Simple Health Plans Inc., Simple Insurance, Simple Insurance Leads, Simple Save Auto, Simpson Financial, Simpson Financial Group, Single Care, SingleCare Services, Singularity Media, Skandia TIG Tita, Smart Match Insurance Solutions, Smart Relief Rx, SmartFinancial, SmartHome Solar Solutions USA, SmartHome Solutions USA, Smedley Insurance Group, SolarJoy, SolidQuote LLC, SolidQuote, LLC, Spartan Health Group, Spectrum, Spectrum Direct, Spectrum Health, Spinner Group, Spring EQ, Spring Health Plans, Spring Insurance, Spring Insurance Solutions, Spring Venture, Spring Venture Group, SS Telemarketing, St. Paul, St. Paul Companies, St. Paul Fire and Marine, St. Paul Insurance, Stancorp Financial, Standard Fire Insurance Company, Standard Guaranty, Standard Life, Standard Security Life Insurance Company of New York, Star Advertising, Starmount Life, State and County Mutual Fire Insurance, State Auto, State Farm, State Farm County, State Farm Fire and Cas, State Farm General, State Farm Indemnity, State Farm Insurance, State Farm Insurance Co., State Farm Lloyds Tx, State Farm Mutual Auto, State Fund, State Mutual, State National, State National Insurance, Sterling, Sterling Senior, Sterling Senior Health, Stone Hill National, StoneTapert Employee Benefits, Strategy Bay, Stride Health, Strike Marketing LLC, SubjectWell, SummaCare, Summit Health, Sun Coast, Sun Life Assurance Company, Sunlight 4 Solar, Sunpath Limited, Sunrise Health, Suntuity, Superior American Insurance, Superior Guaranty Insurance, Superior Health Insurance Group, Superior Insurance, Support First, Sure Health Plans, Sure Touch Leads, Sureco, Sureco Legacy Insurance Services, Inc, Suretouchleads, Surveillance, Sutter, SVG, Swiss Re, Syndicated Plus, Tallac Media, Taylor Agency, Tech Insurance, Term Life Match, TexanPlus, The Ahbe Group, The Atlas Company, The Benefit Link, The Benefit Outlet, The Complete Lead, The Credo Group, The General, The Hartford, The Hartford AARP, The IHC Group, The Insurance Center, The Lead Company, The McGrp International, The McGrp International, LLC, The Product Drivers, The Quick Life Center, LLC, The Regence Group, The Senior Resource Group, The Zebra, themedicareassistant.com, ThomasARTS, Three Rivers Holdings, Thrivent Financial for Lutherans, TIAA-CREF, Tiburon Insurance Services, TICO Insurance, TIG Countrywide Insurance, Titan, Titan Indemnity, TMHCC, Tobias & Associates, Tobias & Associates Inc, TOCO, Today Medicare, Todd Matzat, Toolbox OS, Torchlight, Torchlight Technology, Torchlight Technology Group, Torchlight Technology Group, LLC, Torchmark, Total, Total Insurance Brokers INC, Total Insurance Brokers INC a.k.a. Health Coverage Fast, Touchstone, Tower, Towers Watson, Towers Watson dba OneExchange, TPG Direct, TradeMarc Global, LLC, Traders Insurance, Transamerica, TRANZACT, Tranzact Insurance Services, Tranzact Insurance Solutions, Travelers, Travelers Indemnity, Travelers Insurance Company, Tri-State Consumer, Tri-State Consumer Insurance, Tricare, Trinity Universal, Triple-S Inc., TriState, Tru Source, TruBridge, TruBridge, Inc., True Auto, TrueChoice Insurance Services, TruSource Marketing, Trust Hall, Trusted Health Quotes, Tryton, TSC Direct, TSC Insurance, Tufts, Tufts Associates HMO Inc., Tufts Health Plan, Twentieth Century, TWG, Twin City Fire Insurance, TZ Insurance Solutions, TZ Insurance Solutions LLC, U S Financial, Ucare, UHOne, UMA, Underground Elephant, Unicare, Unified Rightmed, Uniguard, Union, Unique Q2B, United American, United American Insurance Company, United American/Farm and Ranch, United Financial, United Fire & Casual, United Health Care, United Health One, United Healthcare, United Healthcare Advisors, United HealthCare Services, Inc., United Insurance, United Medicare, United Medicare Advisors, United of Omaha, United Pacific Insurance, United Repair Programs, United Security, United Services Automobile Association, United States Fideli, United Teacher Associates Ins Co., UnitedHealth Group, UnitedHealthcare, UnitedHealthcare/UnitedHealthOne, Unitrin, Unitrin Direct, Unitrin Inc., Universal American, Universal American Corporation, Universal American Financial Corp., Universal Health Advisors, Universal Health Care, Universal Healthcare Advisors, LLC, Universal Underwriters Insurance, University Health Care Inc., Unsure, UnumProvident Corp., UPMC, UPMC Health System, US Benefit Solutions, US Energy Alliance, US Financial, US Financial Life, US Health Advisors, US Health Advisors LLC, US Health Benefits Group, US Health Group, US Health Group (Freedom Life), US Insurance Online, US Marketing Group, US Web Leads, USA Auto Protection, USA Benefits/Continental General, USA Dental Club, USA Health Options, USA Medical Card, USAA, USAA., USDS (US Dealer Services), Used Imagination, USF and G, USF&G;, USHealth Advisors, USHEALTH Group, USInsuranceOnline, Utah Home and Fire, Utica, Valiant Auto, Valley Health Plan, Vanguard Health Ventures, Vanguard Vehicle Armor, Vantis Life, Vasa North Atlantic, Vehicle Protection, Vehicle Protection Center, Vehicle Protection Specialists, Velapoint, VelaPoint Personal Insurance, Verified Insurance Lead, Versible Connect, Versus Media Group, Verti Insurance, Vertical Media Brands, Vertigen LLC, Vigilant, Viking, Viking County Mutual Insurance, Viking Insurance Co of WI, VIMO, Visiqua, Visiqua, LLC, Vital One Health, Vital One Health Plans Direct, LLC, Vitalone, Vitalone Health, VitalOne Health Plans, VitalOne Health Plans Direct, LLC., Viva Health, Voxify, Voxify LLC, VSP, Warranty Agents, Warranty Direct, Washington National Insurance Co., Washington National Life, Wawaunesa, Wax Digital Solutions, We Speak, WEA Inc., WebTec, Wejo, Wellcare, WellCare Health Plans, Wellington, Wellness Plan of America, WellPoint, West American, West Bend Mutual, West Field, West Plains, Western & Southern Life, Western and Southern Life, Western Health Advantage, Western Mutual, Western National, Westfield, Weston insurance services ins, Wheaten Worldwide, William Penn, Windhaven, Windsor, Windsor Insurance, Windstar, Wisconsin Mutual, Woodland Health Group, Woodlands Financial Group, Woodmen of the World, Word & Brown, World Insurance, World Mail Direct USA, Worldwide, WynnHealth, XLHealth, XLHealth., Yellow Key, Yosemite, Your Lowest Quote, YourHealthCareQuotes.com, YourLowestQuote, Zander, Zander Insurance, Zebra, Zenith Media, Zoom Insurance, ZQ Sales, Zurich, Zurich North America, Zurich North America or other partners, and S.B. Fintech Ltd, Dawn Services LLC, S.B.A Consulting and Marketing LLC, Giraffe Media Group, LLC, EZ Insure / EZ Insurance Savings , TCB / The Cover Bear, InsureUS / US Help Union, RVA / RatesVIP, PPL / Petrol Price List.