Terms of Use 

Effective Date: January 28, 2023

These Terms of Use (“Terms”) govern your access to and use of all products and services (collectively, the “Services”) provided by QuoteStates.com, which is powered by AMKLO LLC (“QuoteStates,” “we,” “us,” or “our”), available through our website at quotestates.com and potentially through other accessible applications (collectively, the “Site”). By accessing or using our Services, you (“you” or “user”) acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference into these Terms. If you do not agree to these Terms or the Privacy Policy, you should not access or use our Services.

Arbitration Notice: Please note that these Terms include an arbitration clause and a class action waiver. By using our Services, you agree to resolve disputes through binding arbitration and you waive your right to participate in class action lawsuits or class-wide arbitrations.

Content of the Terms:

1. Our Services
2. Access and Use of the Services
3. Intellectual Property
4. User Accounts
5. Prohibited Activities
6. Third-Party Links and Content
7. Disclaimers and Limitations of Liability
8. Dispute Resolution
9. Changes to Terms and Services
10. Contact Information
11. Miscellaneous

1. Our Services

QuoteStates.com provides a platform through which users can obtain information and connect with third-party service providers across various industries, such as insurance, loans, and mortgage services, among others. We do not provide these services directly but facilitate connections between you and service providers (“Providers”).

2. Access and Use of the Services

To access certain features of our Services, you may need to provide some personal information as part of the registration process. You agree to provide accurate, current, and complete information and to update such information to keep it accurate, current, and complete. QuoteStates reserves the right to suspend or terminate your access to the Services if any information provided proves to be inaccurate, not current, or incomplete.

3. Intellectual Property

All content on the Site, including text, graphics, logos, images, and software, is the property of QuoteStates or its licensors and is protected by U.S. and international copyright and trademark laws. You are granted a limited, non-exclusive, and non-transferable license to access and use the Site and the Services for personal, non-commercial purposes.

4. User Accounts

You may need to register for a user account to access some of our Services. You are responsible for maintaining the confidentiality of your account password and for all activities that occur under your account. You agree to immediately notify us of any unauthorized use of your account.

5. Prohibited Activities

You are prohibited from using the Site or Services to:

• Conduct any illegal activities;
• Infringe on the rights of others;
• Transmit any viruses or other harmful computer code;
• Interfere with the security-related features of the Site.

6. Third-Party Links and Content

Our Site may include links to third-party websites and services that are not owned or controlled by QuoteStates. We are not responsible for the content or accuracy of third-party websites and do not endorse their content.

7. Disclaimers and Limitations of Liability

The Services are provided on an “as is” and “as available” basis. QuoteStates expressly disclaims all warranties of any kind, whether express or implied. We will not be liable for any direct, indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use the Services.

8. Dispute Resolution

Any disputes arising out of or related to these Terms or the Services will be resolved by binding arbitration, except for disputes involving claims for injunctive or equitable relief regarding intellectual property rights.

9. Changes to Terms and Services

QuoteStates reserves the right to modify these Terms at any time. Your continued use of the Services after any such changes take effect constitutes your acceptance of the new Terms.

10. Contact Information

If you have any questions about these Terms or our Services, please contact us at support@quotestates.com.

11. Miscellaneous

These Terms constitute the entire agreement between you and QuoteStates regarding your use of the Services. Our failure to exercise or enforce any right or provision of these Terms will not operate as a waiver of such right or provision.