Terms of Service

1. Acceptance of Terms

By accessing and using the Afforable™ website ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

These Terms of Service apply to all users of the Service, including without limitation users who are browsers, vendors, customers, merchants, and/or contributors of content.

2. Service Description

IMPORTANT DISCLAIMER: Afforable™ is a lead generation and insurance comparison service. We do NOT sell, underwrite, or provide insurance coverage directly. We connect consumers with licensed insurance carriers and agents who may provide insurance quotes and coverage.

Our service operates as an intermediary platform that:

• Collects consumer information for insurance quote purposes
• Matches consumers with appropriate insurance providers
• Facilitates communication between consumers and insurance carriers
• Provides educational content about insurance products

All insurance products, quotes, and coverage are provided by third-party licensed insurance carriers. We are not responsible for the terms, conditions, or performance of any insurance policy.

3. Multi-Jurisdictional Compliance

Our services are primarily available to residents of the United States, Canada, and Australia. The following jurisdictional terms apply:

United States

Services comply with applicable federal and state laws, including but not limited to the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, and state insurance regulations. Users consent to contact via telephone, email, and SMS.

Canada

Services comply with the Personal Information Protection and Electronic Documents Act (PIPEDA), Canadian Anti-Spam Legislation (CASL), and provincial insurance regulations.

Australia

Services comply with the Privacy Act 1988, Australian Consumer Law, and the Do Not Call Register Act 2006.

Other Jurisdictions

For users accessing our service from other jurisdictions (including the European Union), we comply with applicable data protection laws including GDPR where applicable. However, our services may not be available in all jurisdictions.

4. User Consent and Communications

By submitting your information through our Service, you expressly consent to:

• Receive communications from us and our partner insurance carriers via telephone (including autodialed and prerecorded calls), email, and SMS/text messages
• Sharing your information with licensed insurance carriers and agents for quote purposes
• Being contacted by multiple insurance providers regarding your inquiry
• Receiving follow-up communications about insurance products and services

This consent applies even if your telephone number is listed on any Do Not Call registry. You may revoke this consent at any time by contacting us or following opt-out instructions in communications.

5. User Obligations and Prohibited Uses

You agree not to:

• Provide false, inaccurate, or misleading information
• Use the Service for any unlawful purpose or in violation of applicable laws
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the Service or servers connected to the Service
• Use automated systems to access the Service without our written permission
• Reproduce, duplicate, copy, sell, or exploit any portion of the Service without permission

6. Intellectual Property Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of Afforable™ and its licensors. The Service is protected by copyright, trademark, and other laws. Our trademarks and trade dress may not be used without our prior written consent.

7. Disclaimers and Limitation of Liability

DISCLAIMER: The Service is provided on an "AS IS" and "AS AVAILABLE" basis. We make no representations or warranties of any kind, express or implied, regarding the Service.

LIMITATION OF LIABILITY: In no event shall Afforable™, its directors, employees, partners, agents, suppliers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.

We are not responsible for the actions, content, information, or data of third-party insurance carriers. Any dealings between you and insurance carriers are solely between you and such carriers.

8. Indemnification

You agree to defend, indemnify, and hold harmless Afforable™ and its licensee and licensors, and their employees, contractors, agents, officers and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees).

9. Termination

We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

10. Governing Law and Dispute Resolution

These Terms shall be interpreted and governed by the laws of the jurisdiction where the user resides:

• US Users: Governed by the laws of Delaware, USA
• Canadian Users: Governed by the laws of Ontario, Canada
• Australian Users: Governed by the laws of New South Wales, Australia
• Other Jurisdictions: Governed by the laws of Delaware, USA

Any disputes shall be resolved through binding arbitration in accordance with the rules of the applicable arbitration association in the governing jurisdiction.

11. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days notice prior to any new terms taking effect.

12. Contact Information

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

For questions about these Terms of Service or legal matters, please contact our legal team. Select "Legal Matter" for priority handling.