Terms of Use

Welcome to quoteorchard.com. By accessing or using this Site and our Services, you agree to these Terms of Use ("Terms"). If you do not agree, do not use the Site.

1. Our Service

QuoteOrchard is a free, advertising-supported online comparison and lead-referral service. We are not an insurance company, agency, broker, producer, or lender, and we do not sell insurance, bind coverage, or provide insurance quotes ourselves. We help connect consumers with third-party licensed insurance carriers, agents, and marketing partners.

2. No Professional Advice

Nothing on the Site is insurance, financial, legal, or tax advice. Any rates, savings figures, or estimates are illustrative only, are not offers or quotes, and are not guaranteed. All insurance decisions should be made after consulting a licensed professional and reviewing actual policy documents.

3. Eligibility

You must be at least 18 and a U.S. resident to use the Services. You agree to provide accurate, current, and complete information.

4. Consent to Contact

By submitting your information you agree to be contacted as described in our Privacy Policy, including by autodialer, prerecorded message, and SMS. Consent is not a condition of purchase.

5. Third-Party Partners

Partners we connect you with are independent third parties. We do not endorse, guarantee, or assume responsibility for any product, quote, rate, or service they offer, nor for their acts or omissions.

6. Intellectual Property

All content, trademarks, and materials on the Site are owned by QuoteOrchard or its licensors and may not be used without permission.

7. Prohibited Conduct

• Submitting false, fraudulent, or another person's information;
• Interfering with or attempting to disrupt the Site;
• Using automated means to access the Site without permission;
• Using the Site for any unlawful purpose.

8. Disclaimer of Warranties

THE SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, QUOTEORCHARD AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR DATA, ARISING FROM YOUR USE OF THE SITE OR SERVICES.

10. Indemnification

You agree to indemnify and hold harmless QuoteOrchard from any claims arising out of your use of the Site or violation of these Terms.

11. Arbitration & Governing Law

These Terms are governed by the laws of the United States and the state in which we operate. Any disputes will be resolved by binding individual arbitration and not in a class action, to the extent permitted by law.

12. Changes

We may modify these Terms at any time. Changes are effective when posted.

13. Contact

Email support@quoteorchard.com.