Use of the Service
WalletBrain provides information, tools, forms, and related services that may help users request, review, or compare insurance quotes and related financial or insurance information.
You agree to provide accurate, current, and complete information when using the Service or submitting an insurance quote request. You are responsible for ensuring that any information you provide is accurate and that you are authorized to provide it.
You agree not to use the Service for unlawful, fraudulent, abusive, or unauthorized purposes.
Insurance Quote Requests
If you submit an insurance quote request through the Service, we may use the information you provide to review your request, ask follow-up questions, prepare or deliver insurance quote information, send quote-related updates, and communicate with you about your request.
Submitting a quote request does not guarantee that coverage will be available, that a quote will be issued, or that any quoted price or coverage option will be final. Any insurance quote, coverage, premium, eligibility, or policy terms may be subject to carrier review, underwriting, verification, and applicable laws.
Any insurance information provided through the Service is for informational purposes only and should not be considered a binding insurance offer unless clearly stated by a licensed insurance provider or authorized representative.
SMS/MMS Terms
By providing your phone number and opting in, you agree to receive SMS/MMS messages from us related to your insurance quote request.
These messages may include:
- Confirmation that we received your quote request
- Follow-up questions needed to prepare your quote
- Missing information requests
- Quote status updates
- Secure links to view your quote
- Customer care messages
- Two-way communication with our team
Message frequency varies. Message and data rates may apply.
Consent to receive SMS/MMS messages is not a condition of purchase.
You may opt out of receiving SMS/MMS messages at any time by replying STOP to any message from us. After you reply STOP, we may send a confirmation message to confirm that you have been unsubscribed. After that, you will no longer receive SMS/MMS messages from us unless you opt in again.
For help, reply HELP to any message from us or contact us.
Carriers are not liable for delayed or undelivered messages.
We do not sell, rent, or share your mobile phone number, SMS opt-in information, or SMS consent information with third parties, affiliates, or lead generators for their marketing or promotional purposes.
Intellectual Property
The Service and its original content, features, functionality, design, text, graphics, logos, and other materials are and will remain the exclusive property of WalletBrain and its licensors.
You may not copy, reproduce, distribute, modify, display, perform, publish, license, create derivative works from, or sell any content from the Service unless expressly authorized by us.
Links To Other Web Sites
Our Service may contain links to third-party websites or services that are not owned or controlled by WalletBrain.
WalletBrain has no control over, and assumes no responsibility for, the content, privacy policies, practices, products, or services of any third-party websites or services. You acknowledge and agree that WalletBrain shall not be responsible or liable, directly or indirectly, for any damage, loss, or issue caused or alleged to be caused by or in connection with your use of or reliance on any third-party content, goods, services, or websites.
We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.
Communications
By submitting information through the Service, you agree that we may contact you using the contact information you provide, including by phone, email, SMS/MMS, or other communication methods, in connection with your quote request, account, inquiry, or use of the Service.
You are responsible for ensuring that the contact information you provide is accurate and that you have authority to provide it.
Termination
We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms.
All provisions of these Terms that by their nature should survive termination shall survive termination, including ownership provisions, warranty disclaimers, indemnity, limitations of liability, and governing law provisions.
Disclaimer
Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis.
The Service is provided without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, availability, reliability, or course of performance.
WalletBrain does not guarantee that the Service will be uninterrupted, secure, error-free, or free of viruses or other harmful components.
Insurance and Financial Disclaimer
WalletBrain may provide insurance-related, financial-related, or comparison information. This information is provided for general informational purposes only and does not constitute legal, tax, financial, investment, insurance, or professional advice.
WalletBrain is not an investment advisor and does not guarantee the accuracy, completeness, availability, suitability, or applicability of any information for your individual circumstances.
Insurance availability, pricing, coverage, eligibility, and policy terms may vary based on underwriting, carrier requirements, user-provided information, and applicable law. You should review all policy documents carefully and consult with a qualified professional before making decisions.
Advertiser Disclosure
WalletBrain may be compensated by partners, advertisers, insurance providers, lead buyers, or other third parties. Compensation may impact the products, services, providers, or offers we write about and where they appear.
The Service may not include all companies, insurance products, financial products, or available offers. We aim to provide useful and objective information, but partner relationships may influence how products or services are presented.
Partners do not pay a fee to receive a favorable review.
Limitation of Liability
To the maximum extent permitted by law, WalletBrain and its owners, employees, contractors, partners, service providers, and affiliates shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to loss of profits, data, goodwill, business opportunities, or other intangible losses arising from or related to your use of or inability to use the Service.
Indemnification
You agree to defend, indemnify, and hold harmless WalletBrain and its owners, employees, contractors, partners, service providers, and affiliates from and against any claims, damages, obligations, losses, liabilities, costs, or expenses arising from your use of the Service, your violation of these Terms, or your violation of any rights of another person or entity.
Governing Law
These Terms shall be governed and construed in accordance with the laws of the United States, without regard to conflict of law provisions.
Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions will remain in effect.
These Terms constitute the entire agreement between us regarding the Service and supersede and replace any prior agreements between us regarding the Service.
Changes
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 notice before the new terms take effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use the Service after revisions become effective, you agree to be bound by the revised Terms. If you do not agree to the new Terms, please stop using the Service.
If you have any questions about these Terms, please contact us.
