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Terms & Conditions

Effective: July 12, 2024

This website is owned and operated by Better Plan and its subsidiaries (collectively “Company”, “we”, “us”, “our”). The Company offers www.betterplan.app and all websites and mobile apps owned and operated by Better Plan on which these Terms & Conditions are displayed (such websites and apps referred to hereafter as the “Website” or “Site”, whether individually or collectively, or collectively as “Services” or “Solutions”), including but not limited to all information, tools and Services available from this Website to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated in these Terms & Conditions (the “Terms & Conditions”).

These Terms & Conditions are a legally binding contract that describes the terms and conditions between you, whether personally or on your behalf of an entity and of the Company in connection with the Website and/or the Services as well as your purchase of any products or services from the Website, the Services and/or any other related products and/or services that refer or link to this Privacy Policy. Please read these Terms & Conditions carefully before accessing or using our Website and/or Services.

BY ACCESSING OR USING ANY PART OF THE SERVICES AND/OR THE WEBSITE, YOU AGREE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THESE TERMS & CONDITIONS. IF YOU DO NOT AGREE TO THESE TERMS & CONDITIONS, THEN YOU MUST NOT ACCESS OR USE THE SERVICES AND/OR THE WEBSITE. PLEASE READ THESE TERMS & CONDITIONS CAREFULLY AS THEY CONTAIN A MANDATORY ARBITRATION PROVISION AND CLASS ACTION WAIVER.

For the purpose of these Terms & Conditions, the terms "you" or "your" refer to individuals using the Website and/or the Services, including but not limited to those acting as agents for others in relation to the Website and/or the Services.

The term "Provider(s)" encompasses various entities such as banks, lenders, financial institutions, insurers, service providers, real estate companies, dealers, agents, brokers, and other entities that offer products and services through the Website or collaborate with us to facilitate the delivery of requested products and services.

The term "Qualification Form" pertains to the request you submit to be connected with providers offering the products and services available through the Website.

Any new features or tools which are added to the current Website shall also be subject to the Terms & Conditions. You can review the most current version of the Terms & Conditions at any time on this page. The Company reserves the right, at its sole discretion, to amend or modify the Website or this Agreement (or any part thereof) at any time. Such changes and modifications will take effect immediately upon being posted on the Website. It is your responsibility to review these Terms & Conditions for any such changes whenever you use the Website. By continuing to use the Website and/or Services, you signify your acceptance of these changes and modifications. The Website is intended for individuals who are at least 18 years old and accessing the internet from a physical location within the United States of America. By using or accessing the Website, you confirm that you are 18 years of age or older and accessing the internet from a physical location within the United States of America.

Privacy Policy

The Company’s Privacy Policy, which is included as part of these Terms & Conditions by reference, provides detailed information on how we collect, protect, share, and use your information in relation to our technology platforms, products, and services. Your submission of personal information through the Website is governed by our Privacy Policy.

Copyright, Trademark, and Service Mark Notices

The Company owns or holds licenses and all intellectual property rights in our Services and on the Website including, but not limited to all text, graphics, photographs, videos, sound, trademarks, logos, artwork, interfaces, computer code, source code, databases, functionality, technology, software, advertising copy, URLs, website designs, button icons, designs, audio, video, text, photographs, images, graphics, overall arrangement or “look and feel” of such materials in the Services and on the Website (collectively "Content"), as well as all trademarks, service marks, copyrights and logos contained therein (the “Marks”). The Content and Marks are protected by trademark, copyright, patent laws, intellectual property rights, unfair competition laws, various other intellectual property rights and other applicable treaties in the United States and worldwide. The Content and Marks are provided in and through the Services and on the Website “As Is, Where Is” for your personal and non-commercial use. By using the Services and/or Website, you will not obtain any ownership or intellectual property or other interest in any item or content on the Services.

We grant you a non-exclusive, non-transferable, non-assignable, revocable license to access the Services and Website solely for your personal and non-commercial use, subject to your compliance with these Terms & Conditions including, but not limited to the “Prohibited Uses” as stated in these Terms & Conditions. Unless otherwise set forth in these Terms & Conditions, you must not copy, reproduce, aggregate, republish, reverse engineer, upload, post, publicly display, encode, translate, transmit, distribute, sell, license or otherwise exploit for any commercial purpose whatsoever without our express prior written permission. If you wish to make any use of the Services, Website, Content or Marks other than as set forth in these Terms & Conditions, please address your request to: [email protected] and if we expressly grant you via express prior written permission to copy, reproduce, aggregate, republish, reverse engineer, upload, post, publicly display, encode, translate, transmit, distribute, sell, license or otherwise exploit for any commercial purpose whatsoever and of our Services, Website, Content or Marks, then you must identify us as the owners or licensors of the Services, Website, Content or Marks and you must ensure that any copyright, trademark or proprietary notice appears or is visible on our Services, Website, Content or Marks. We strive to respond to consumer requests within 60 days of receiving them. We reserve all rights to and in the Services, Website, Content and Marks which are not expressly granted to you by us in a prior writing. Any breach of these Intellectual Property Rights as set forth in these Terms & Conditions will constitute a material breach of these Terms & Conditions and your use of our Services will immediately terminate and you must immediately discontinue use of all Services and the Website.

Prohibited Uses

In addition to other prohibitions as set forth in these Terms & Conditions, you are prohibited from using the Website, Services, Marks and/or Content: (a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information; (g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service, the Website or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; and/or (k) to interfere with or circumvent the security features of the Service, the Website, or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Website, Service or any related website or service for violating any of the prohibited uses.

Digital Millennium Copyright Act (“DMCA”) Notice and Policy

If you believe that any material available on or through the Services and/or Website infringes upon any copyright you own or control, please immediately notify us through the contact information provided in this Agreement, as found on our Services or through our email: [email protected] (a “Notification”). We strive to respond to consumer requests within 60 days of receiving them.

All Notifications must meet the requirements of DMCA 17 U.S.C. §512(c)(3) and must include the following information: (i) a physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; (ii) identification of the copyrighted work claimed to have been infringed or, if multiple copyrighted works on the Services and/or Website are covered by the Notification, a representative list of such works on the Services and/or Website; (iii) identification of the material(s) that is claimed to be infringing or claimed to be the subject of infringing activity and that you request to be removed or request that access to which is to be disabled and information reasonably sufficient to permit us to locate the material(s); (iv) information reasonably sufficient to permit us to contact the complaining party including, but not limited to an address, telephone number, and/or email address at which the complaining party may be contacted; (v) a statement that the complaining party has a good faith belief that the alleged use of the material(s) in the manner complained of is not authorized by the copyright owner, its agent or the applicable law, rules or regulations; and (vi) a statement that the information in the Notification is accurate and under the penalty of perjury the complaining party is authorized to act on behalf of the owner of an exclusive right that is allegedly infringed upon.

Once a Notification is submitted by you to us, a copy of your Notification will be sent to the person who posted or stored the material identified in the Notification. You may be held liable for damages if you make a material misrepresentation in a Notification under applicable federal, state or local law, rules or regulations; therefore, if you are not sure that material located on or linked by the Services and/or Website infringes on your copyright, then you should consider first contacting an attorney.

If you believe your own copyrighted material has been removed from the Services and/or Website as a result of a mistake or misidentification, you may submit a written counter notification to us through the contact information provided in this Agreement, as found on our Services and/or Website or through our email: [email protected] (a “Counter Notification”). We strive to respond to consumer requests within 60 days of receiving them.

All Counter Notifications must meet the requirements of the DMCA and must include the following information: (i) identification of the material that has been removed or disabled and the location at which the material appeared before it was removed or disabled; (ii) a statement that you consent to the jurisdiction of the Federal District Court in which your address is located, or if your address is outside of the United States of America, for any judicial district in which we are located; (iii) a statement that you will accept service of process from the party that filed the Notification of the party’s agent; (iv) your name, address, telephone number and email address; (v) a statement under penalty of perjury that you have a good faith belief that the material in question was removed or disabled as a result of a mistake or misidentification of the material to be removed or disabled; and (vi) your physical or electronic signature.

If you send us a valid, written Counter Notification meeting these requirements, we may restore your removed or disabled material unless we first receive notice from the party filing the Notification informing us that such party has filed a court action to restrain you from engaging in infringing activity related to the material in question. If materially misrepresent that the disabled or removed content was removed by mistake or misidentification then this constitutes perjury and you may be liable for damages including, but not limited to the costs, expenses and attorneys’ fees.

Accuracy, Completeness and Timeliness of Information

We are not responsible if information made available on this Website and/or provided through the Company’s Services is not accurate, complete or current. The material on this Website and/or provided through the Company’s Services is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this Website and/or provided through the Company’s Services is at your own risk.

This Website and/or provided through the Company’s Services may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this Website and/or provided through the Company’s Services at any time, but we have no obligation to update any information on our Website and/or provided through the Company’s Services.

This Website and the Content is for informational purposes only and does not constitute professional medical advice, diagnosis, treatment or recommendations of any kind. You should always seek the advice of your qualified heath care professionals with any questions or concerns you may have regarding your individual needs and any medical conditions. Never disregard professional medical advice or delay in seeking it because of something you have read on the Website and/or the Service. If you think you may have a medical emergency, call your doctor or 911 immediately. The Company does not recommend or endorse any specific tests, physicians, products, procedures, opinions, or other information that may be included on the Website and/or the Services. Reliance on any information appearing on the Website and/or the Services, whether provided by the Company, its Providers, its clients, visitors to the Website or others, is solely at your own risk.

Disclaimers and Liability

We do not guarantee, represent or warrant that your use of our Website and/or Service will be uninterrupted, timely, secure or error-free.

We do not warrant that the results that may be obtained from the use of the Website and/or Service will be accurate or reliable.

We reserve the right at any time to modify or discontinue the Website and/or Service (or any part or content thereof) without notice at any time.

You agree that from time to time we may remove the Website and/or the Service for indefinite periods of time or cancel the Website and/or Service at any time, without notice to you.

We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Website and/or Service.

You expressly agree that your use of, or inability to use, the Website and/or the Service is at your sole risk. The Website, Service and all products and Services delivered to you through the Website and/or Service are (except as expressly stated by us) provided 'as is' and 'as available' for your use, without any representation, warranties or conditions of any kind, either express or implied, including but not limited to all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.

In no case shall the Company, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including, but not limited to negligence), strict liability or otherwise, arising from your use of any of the Website, the Service or any products procured using the Website and/or Service, or for any other claim related in any way to your use of the Website and/or Service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the Website and/or Service or any content (or product) posted, transmitted, or otherwise made available via the Website and/or Service, even if advised of their possibility. Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

Indemnity

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, shareholders, predecessors, successors-in-interest, licensors, employees, agents, parent, subsidiaries, partners, contractors, licensors, service providers, subcontractors, suppliers, interns and affiliates (referred to as "Better Plan Parties") from any and all claims, losses, liabilities, expenses (including attorneys' fees and costs), and damages arising from or related to your use of the Websites and/or Services, your violation of any third-party rights or laws, or your violation or alleged violation of this Agreement. You are not permitted to settle any such claim or matter without the express prior written consent from the Company. The Better Plan Parties have the right to assume exclusive defense and control of any matter subject to indemnification by you, and you agree to fully cooperate in the defense of such claims.

Limitations on Damages

Links to Third Party Websites

The Websites and/or the Services may contain links to third-party websites for your convenience and reference. Please note that the Company does not operate or control any information, software, products, or services on these third-party websites. The inclusion of a link to a website does not imply endorsement of the services, website contents, or sponsoring organization by the Company. Your use of any third-party websites may be subject to additional terms and conditions set by the respective website operators. When you leave the Website, you acknowledge that the Company is not responsible for the accuracy or content of information provided on external websites, nor is it liable for any technical or system issues arising from your access to or use of third-party technologies or programs available through those websites. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties. We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party's policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.

Optional Tools

We may provide you with access to third-party tools over which we neither monitor nor have any control nor input.

You acknowledge and agree that we provide access to such tools “as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.

Any use by you of the optional tools offered through the Website and/or through the Services is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).

We may also, in the future, offer new Services and/or features through the Website (including, but not limited to the release of new tools and resources). Such new features and/or Services shall also be subject to these Terms & Conditions.

User Comments, Feedback and Other Submissions

By using the Services and/or Website and/or by searching on social media accounts for us and/or by other methods, you may have access to one or more of our social media accounts.

If you send certain specific submissions, make comments or posts or otherwise interact in any way, shape or form with our social media account(s) (collectively, “comments”), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you post or forward to us. We are and shall be under no obligation to: (1) maintain any comments in confidence; (2) pay compensation for any comments; or (3) respond to any comments.

We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion to be unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms & Conditions.

You agree that your comments will not violate any right of any third-party, including but not limited to copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service and/or any related Website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.

You acknowledge and agree that any questions, comments, suggestions, ideas, feedback or other information provided by you to the Company through the Website and/or by any other means are not confidential and you grant us a worldwide, perpetual, royalty-free license to distribute, publish, modify, edit or otherwise use your submissions. The Comapny shall be entitled to the unrestricted use and dissemination of these submissions for any purpose, commercial or otherwise without any acknowledgement of or compensation to you.

Errors and Delays

You acknowledge and agree that the Company is not responsible for any errors or delays in responding to your request or referral form that may be caused by factors such as an incorrect email address or other information provided by you, or technical issues beyond our reasonable control.

Dispute Resolution, Governing Law, Waivers and Limitations

You also agree that any arbitration under these Terms & Conditions will be conducted on an individual basis, and you may not join or consolidate claims with those of any other party. Furthermore, you are not permitted to litigate or arbitrate claims as a representative or member of a class or in a private attorney general capacity.

Any dispute or disagreement regarding the enforceability, applicability, or interpretation of any provision of this Agreement, including the provisions related to dispute resolution and arbitration, will be subject to arbitration.

Additionally, you acknowledge that any dispute or cause of action arising from or related to the Websites, Services, and/or Content must be initiated within one year from the date the dispute or cause of action accrues, or within one year of when you should have known about it through diligent effort. Otherwise, the cause of action is permanently barred.

Entire Agreement

These Terms & Conditions, including, but not limited to all referenced or incorporated policies, agreements, and provisions, constitutes the entire agreement between you and the Company, superseding all prior or contemporaneous oral or written agreements or communications between the parties regarding the subject matter discussed herein. In the event of a conflict between the language of these Terms & Conditions and any incorporated terms, the latter incorporated terms shall prevail.

Interpretation

Any ambiguities in the interpretation of these Terms & Conditions shall not be construed against the drafting party.

No Representations or Warranties

You acknowledge and agree that, by entering into these Terms & Conditions, you are not relying on any representation, warranty, statement, or promise, whether expressed or implied, that is not explicitly set forth in these Terms & Conditions. You hereby waive any claim of reliance on such representations.

Termination

The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of these Terms & Conditions for all purposes.

These Terms & Conditions are effective unless and until terminated by either you or us. You may terminate these Terms & Conditions at any time by notifying us that you no longer wish to use our Services and/or Website, or when you cease using our Website and/or Services.

If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms & Conditions, we also may terminate these Terms & Conditions at any time without notice to you and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services and/or Website (or any part thereof).

Severability

If any provision of these Terms & Conditions are found to be invalid or unenforceable, you agree that such provision shall be modified to the extent feasible to make it enforceable with respect to the specific dispute at hand and to reflect the original intent of the provision as considered in the context of these Terms & Conditions as a whole. This modified provision shall be enforced with respect to the underlying claims in the dispute, and any finding of invalidity or unenforceability shall not affect the validity or enforceability of these Terms & Conditions as a whole or any other provision herein.

Waiver

The failure of us to exercise or enforce any right or provision of these Terms & Conditions shall not constitute a waiver of such right or provision.

Assignment

These Terms & Conditions, and any rights and licenses granted hereunder, may not be transferred or assigned by you. However, we may assign, novate or subcontract any or all of our rights and obligations under these Terms & Conditions at any time.

Terms Applicable to Insurance Request Services

The Company is not a licensed insurance agency or broker and does not provide insurance quotes as regulated by RCW 48.17 or similar state statutes. The information provided by the Company is not intended to replace professional advice from a licensed insurance agent, nor does it evaluate insurance providers or their policies. It is recommended that you consult with a licensed insurance agent before purchasing any insurance policy.

The Company does not sell insurance or bind coverage on its Websites and/or in the Services the Company provides. Instead, the Company facilitates the offering and sale of insurance and other authorized products by providers to users like you (hereinafter, the “Prospect”), including Prospects who have applied for insurance quotes on the Company's Websites. The Company may collect Prospect information through a Qualification Form and sell that information to providers with the Prospect's authorization. The quality, safety, legality, truth, accuracy, and ability to offer or sell products are the sole responsibility of each user, including the Prospect and provider. The Company acts as an independent contractor and is not responsible for the conduct of any Prospect or provider. The Company does not endorse or recommend any providers, companies, or insurance policies. The Company does not provide insurance, tax, legal, or financial advice. The Company does not guarantee that any providers will contact a Prospect or provide the desired coverage. Prospects seeking personal advice or specific policy recommendations are advised to consult with an insurance agent, broker, or qualified professional.

For Medicare-related plans, if you apply for insurance quotes on this Website and/or through Company’s Services, a representative may contact you to verify eligibility and connect you with a licensed insurance agent from the Company, its subsidiaries, or its Provider partners. The Company and it's Insurance Solutions' licensed agents may offer rates and policies for Medicare-related plans through their partners and under their respective licenses. Eligibility for products and services may vary, and the issuing insurance company will determine eligibility based on underwriting guidelines and applicable law. Availability of policies may vary by state.

The Company is not affiliated with the U.S. government or the Federal Medicare program. The Website and/or the Services may not display or have any or all information concerning the qualified health plans being offered in your state through the marketplace website or the Federal Medicare Program. The Website and/or the Services are not a complete listing of the plans that may be available in your area. To see all available data on qualified health plan options in your state, please visit your state marketplace website or go to the health insurance marketplace website at www.healthcare.gov or go to www.medicare.gov. Communication with the Company via the Website and/or in using the Services does not affect your current enrollment, nor will it enroll you in a Medicare Advantage Plan, Medicare Prescription Drug Plan, Medicare Supplement Plan, or any other Medicare Plan. The Company is independent of the Medicare Program and is neither associated with nor endorsed by the Centers for Medicare & Medicaid Services (CMS) or any other governmental agency.

Policies and products are not available in all states. Exclusions and misstatement and misrepresentation restrictions may apply. The quote, policy and plan comparisons and information we and/or the Providers provide are furnished by the Providers, and are subject to change without notice and/or underwriting qualification by the specific Provider to which the application is submitted. A quote should not be construed as a commitment from the Provider to actually issue that policy or any other policy to you. All quotes that we present are based on the information you have provided us and/or the Provider. You are responsible for ensuring that information you provide in connection with any quotation or inquiry through the Website and/or our Services and/or to the Provider are accurate and up to date. You may change or edit your information at our Website by contacting us via email at [email protected] or by informing the applicable Provider(s). We strive to respond to consumer requests within 60 days of receiving them.

To purchase an insurance policy, you must submit a completed application to the Provider, which will then review and underwrite your application along with any other information that may be gathered from sources such as, but not limited to, the Department of Motor Vehicles, credit bureaus and the Medical Information Bureau. Following that review and underwriting analysis, the Provider will then determine whether you are eligible for insurance and, if so, the precise premium to charge you for the insurance policy you seek. This underwriting process may result in higher or lower premiums than your quote.

Additional Terms

The Company provides educational content and operates online marketplaces for consumers to compare financial products and services offered by its network of providers.

By submitting a Qualification Form with your electronic signature on any Website, you indicate your desire to be contacted by providers and provide your express written consent for the Company, a third party on the Company's behalf, and/or the matched providers to deliver calls or text messages to the phone number you provided, including but not limited to for marketing purposes, using an automatic telephone dialing system or prerecorded voice. This consent applies even if your number is listed on any Do-Not-Call lists. Your consent is not required to use the Company's services.

You also consent to receive emails from the Company and/or its providers at the email address you provided, and you agree that these emails will not be considered spam or unauthorized. You may opt out of receiving calls from the Company by emailing [email protected], notifying a customer service representative, and/or responding to SMS or text messages in accordance with the instructions provided. We strive to respond to consumer requests within 60 days of receiving them. You are responsible for notifying specific providers directly if you no longer wish to receive communications from them. The Company is not responsible for a provider's failure to comply with your request to stop contacting you.

When you save your information or submit a Qualification Form, you represent that the provided information is true, accurate, current, and complete. You acknowledge that you are solely responsible for using your account and agree to keep your login information confidential, employ safeguards against unauthorized access, and not share your credentials with third parties. You are responsible for all activities conducted under your member account and must notify the Company immediately if you believe your account is no longer secure.

By submitting information, creating an account, or registering for services through the Company and its Website, you establish a business relationship with the Company. Accordingly, the Company may send your information to affiliates and third parties as outlined in these Terms & Conditions and also in the Privacy Policy. You consent to receiving information and offers of services from the Company, its affiliates, and parties calling on the Company's behalf. The Company retains the provided information and may make live or recorded calls to discuss or provide information related to your submission.

When selecting a provider through the Company's website and/or using the Company’s Services, the Company may receive Personally Identifiable Information (PII) from the provider regarding your request. You provide your express written consent for the Company and selected providers to share and maintain this PII for various purposes, including but not limited to litigation, regulatory and law enforcement requests, internal analytics, marketing, and other legally permissible purposes.

Certain state and federal laws require the secure maintenance and retention of the information you provide to the Company. Providers may also share the information you submit to adhere to applicable laws. The Company and providers may maintain and share information provided by you and third parties for internal marketing and analytics purposes.

To comply with identity verification requirements, the Company and its providers may obtain, verify, and record information that identifies each person opening an account. This includes , but is not limited to your name, Social Security Number, address, telephone number, date of birth, and other relevant information. The Company and its participating providers may ask for this information to properly identify you and fulfill legal obligations.

Services offered by providers are available only to residents of states where the providers are authorized to operate. Providers' participation on the Website and/or through the Company’s Services does not imply offering services outside their authorized jurisdictions. Any information provided by a Provider regarding services outside their authorized jurisdiction is for informational purposes only. Providers may discontinue, suspend, or terminate the offering of services in specific states through the Website and/or through the Company’s Services without prior notice.

The Company does not guarantee acceptance into any program or specific terms and conditions with providers. Approval standards are determined solely by individual providers, and the rates offered by the providers may vary based on various factors, including but not limited to your profile, collateral considerations, and income/assets. The Company does not guarantee the lowest rates available or the final rate charged by providers. If you agree to terms with a provider through the Company's Website and/or through the Company’s Services, you are responsible for adhering to those terms and for paying any and all associated costs.

By clicking on buttons indicating acceptance or agreement to terms, or by continuing the submission process, you acknowledge and agree to the stated terms and conditions. You are submitting an inquiry for a Service through the Company to the matched providers.

You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).

You must not transmit any worms or viruses or any code of a destructive nature.

You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service and/or Website, use of the Service and/or Website, or access to the Service and/or Website, and/or any Content on the Website through which the Service is provided, without express prior written permission by us.

The headings used in these Terms & Conditions are included for convenience only and will not limit or otherwise affect these Terms & Conditions.

A breach or violation of any of stated in these Terms & Conditions will result in an immediate termination of your Services and revoking of your use of the Website.

We reserve the right to refuse Service and/or access to the Website to anyone for any reason or no reason at any time.

Terms Applicable to Financial Education Content

The Company offers content and tools on its Website to help improve your financial education and understand the potential impact of financial decisions. However, it is important to note that the Company's materials are provided for informational, educational, and entertainment purposes only. The Company does not provide legal, financial, investment, tax planning, or medical advice.

You may come across offers from companies on the Company's Website and/or through the Company’s Services that compensate the Company. The compensation received may influence the placement and order of these offers. It is important for you to be aware that the Company does not present the entire range of available products and services.

How We Are Compensated

The Company receives a marketing lead generation fee from providers for the goods, facilities, and services the providers provide. By using the Website and/or the Company's Services, you agree to this compensation arrangement.

Data Processed in the United States

We process data in the United States, and we make no representation that this Website and/or our Services are appropriate or available for use beyond the United States. If you use this Website and/or our Services from other locations, you are doing so on your own initiative and are responsible for compliance with applicable local laws regarding your online conduct and acceptable content, if and to the extent local laws apply. This Website and/or our Services may describe programs and services that are available only in the United States (or only parts of it). We reserve the right to limit the availability of this Website and/or our Services and/or the provision of any content, programs, service, or other feature described or available on this Website and/or our Services to any person, entity, geographic area, or jurisdiction, at any time and in our sole discretion, and to limit the quantities of any content, program, service, or other feature that we provide.

If you are in a jurisdiction outside the United States and nevertheless continue to use the Website and/or our Services, your personal information may be transferred into and processed within the United States, and your continued use of the Website and/or our Services constitutes your consent to such transfer and processing. Please review our Privacy Policy for additional information on how we process and protect your data.

Changes to Terms & Conditions

You can review the most current version of the Terms & Conditions at any time at this page.

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms & Conditions by posting updates and changes to our Website. It is your responsibility to check our Website periodically for changes. Your continued use of or access to our Website and/or the Services following the posting of any changes to these Terms & Conditions constitutes your acceptance of those changes.

Survival

The terms and conditions providing for any activity following the termination or expiration of these Terms & Conditions, any warranties, disclaimers, remedies and any indemnification obligations, and any other provision which, by its terms is intended to survive the termination of these Terms & Conditions, shall survive the termination or expiration of these Terms & Conditions.

Contact Us

If you have any questions about these Terms & Conditions, the Services and/or the Website, please email us at [email protected]. We strive to respond to consumer requests within 60 days of receiving them.