Our website offers tools and services designed to help you explore insurance options or obtain insurance quotes, all of which are provided by independent third parties (collectively referred to as "Insurers"). These "Insurers" may include insurance providers, marketing partners of AbsoluteMutual.com, and affiliates or intermediaries working on behalf of insurance companies. We may share your information with them (as detailed in our Privacy Policy) to assist you in finding suitable insurance coverage. When you submit a request or provide details such as your zip code, you may either (i) receive potential matches with Insurers who may offer quotes or conditional coverage options, or (ii) be provided with the details of Insurers who may assist with your request without necessarily presenting a quote or offer. Insurers offering quotes or conditional policies may require further details before making a formal offer. There is no guarantee that you will be matched with a specific Insurer providing a particular quote or offer.

AbsoluteMutual.com earns compensation from its network of Insurers when we present their advertisements to you or when you respond to a quote or offer for insurance on our website. However, AbsoluteMutual.com is not an insurance provider, broker, or underwriter, and we do not make decisions related to insurance policies. Any compensation received from Insurers is solely for the use of our platform, services, and tools. By utilizing our website and services, you acknowledge and accept this compensation arrangement. We do not promote or favor any specific Insurer. Additionally, we do not act as an agent for either you or any insurance provider. Our role is strictly administrative, and you are encouraged to make your own informed decision regarding which insurance policy, provider, and terms best meet your needs. The Insurer alone is responsible for its policies and services, and "AbsoluteMutual.com is not liable for any costs, damages, or disputes arising from your use of such products or services. Insurers may retain the details of your insurance request and other provided information, whether or not you qualify for or purchase coverage. If you wish to stop receiving communications from a specific Insurer, you must contact them directly. We are not responsible for any delays or errors in processing your request due to incorrect contact information or technical issues beyond our control.

Insurance products and services displayed on our website may not be available in all locations, and their availability may change without notice. Insurers are not offering coverage outside of their approved jurisdictions by listing their products on our platform. They reserve the right to modify, suspend, or withdraw any insurance offerings in specific regions at any time without prior notice. Information provided by AbsoluteMutual.com, whether on the website or during a call, does not guarantee insurance coverage or payment. Each policy is subject to its specific terms, conditions, exclusions, and requirements, such as eligibility criteria and pre-certifications. For details on policy limitations, please contact the relevant Insurer directly. Submitting your information to AbsoluteMutual.com does not constitute an insurance application or a pre-approval request. We do not guarantee acceptance into any insurance program, specific terms, or particular coverage conditions, as each Insurer maintains its own eligibility and pricing standards. The insurance rates and terms offered by Insurers may vary based on market factors, your driving history, and other considerations. Insurers may obtain and verify your personal information, such as your Social Security Number or driver's license number, to confirm your identity and comply with legal requirements.

By clicking any button that indicates agreement to terms, proceeding with a request, or submitting an inquiry through our website, you confirm that you understand and accept the stated conditions. You acknowledge that you are submitting an insurance-related request, which may be shared with Insurers. If you provide your phone number as part of your submission, you expressly consent to receiving calls, emails, text messages, and other communications from up to eight companies, including those using automated dialing systems or prerecorded messages. This consent applies even if your number is listed on a federal or state Do Not Call registry. Your carrier may charge fees for text messages or calls. You may revoke your consent at any time. By providing your email, you consent to being contacted via email by Insurers you are matched with, and such emails will not be considered spam or unauthorized under applicable laws. You confirm that all information provided in your request is accurate and complete. AbsoluteMutual.com connects users with multiple Insurers through its independent network. By submitting an insurance inquiry, you authorize us to share your details with Insurers to help process your request. Additionally, you permit Insurers to verify the information you provide using third-party sources as needed. Insurers define the customer profiles and types of insurance they are interested in, including geographic preferences. Based on this, AbsoluteMutual.com will match your details with suitable Insurers. If you do not qualify for a specific Insurer, we may pass your request to others whose services align with your profile.

You are provided with a limited, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and display the content of this Website on a single computer, strictly for personal use. This license does not allow for commercial resale, redistribution, or any other commercial purpose. All other rights remain fully reserved. "AbsoluteMutual.com" and its logo are service marks owned by Absolute Mutual. Other trademarks and company names mentioned on this Website, including those of Insurers, belong to their respective owners. Nothing on this Website should be interpreted as granting any rights to use trademarks, service marks, or other protected symbols (collectively referred to as "Marks") without prior written authorization from AbsoluteMutual.com or the respective trademark owner. The Marks must not be used in a way that misrepresents, discredits, or harms AbsoluteMutual.com, the Insurers, or any related third parties, nor should they be used in any way that could damage their reputation.

This Website contains proprietary materials, including copyrighted content, trademarks, and other intellectual property belonging to AbsoluteMutual.com and/or its Insurers. This includes, but is not limited to, text, software, images, videos, graphics, music, and sound. The entire content of this Website is protected under U.S. copyright law as a collective work. AbsoluteMutual.com holds the copyright for the organization, coordination, arrangement, and enhancement of the content, as well as for any original material it has created. You are not permitted to alter, publish, distribute, sell, create derivative works from, or otherwise exploit any content on the Website, in whole or in part. Additionally, you may not reverse engineer, decompile, disassemble, or create derivative works from any software or technology used on this Website, including customizations, translations, or adaptations. Unless expressly permitted by copyright law, copying, redistributing, republishing, or commercially or non-commercially using material from the Website is strictly prohibited without prior written consent from AbsoluteMutual.com and, if applicable, the respective copyright holder. The Website's design and layout are protected by trade dress, trademark, and unfair competition laws and may not be copied or imitated, whether in full or in part, including through framing or mirroring techniques. We grant you a revocable right to link to the homepage of this Website. However, you may not imply any endorsement, sponsorship, affiliation, or association between this Website and your own site or content. You are also prohibited from making any representations or warranties—express or implied—regarding this Website, its services, or products that contradict the terms outlined in this Agreement.

AbsoluteMutual.com strives to ensure that the information presented on the Website is accurate and reliable; however, occasional errors may occur. Additionally, AbsoluteMutual.com reserves the right to modify or enhance the provided information at any time. Under no circumstances shall AbsoluteMutual.com be held responsible for any loss or damage resulting from your reliance on information obtained from the Website. It is solely your responsibility to assess the accuracy, completeness, and usefulness of any information, opinions, advice, or other content available through the Website. THE WEBSITE, ALONG WITH ALL ASSOCIATED INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES, IS PROVIDED ON AN "AS-IS" BASIS. AbsoluteMutual.com AND/OR ITS INSURERS DISCLAIM ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, REGARDING THE WEBSITE AND THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES OFFERED HEREIN. THIS INCLUDES, BUT IS NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SECURITY, FREEDOM FROM VIRUSES, AND NON-INFRINGEMENT. YOUR USE OF THE WEBSITE AND/OR AbsoluteMutual.com's SERVICES IS AT YOUR OWN RISK.

AbsoluteMutual.com, along with its Insurers and suppliers, shall not be held liable for any direct, indirect, punitive, incidental, special, or consequential damages arising from or related to the use or inability to use the Website or AbsoluteMutual.com's services. This includes, but is not limited to, delays in accessing the Website, reliance on information obtained through the Website, or any damages caused by errors, omissions, service interruptions, defects, viruses, malware, or other harmful code. Such limitations apply regardless of whether claims arise from contract breaches, torts, negligence, strict liability, or other legal theories, even if AbsoluteMutual.com and/or its Insurers have been advised of the possibility of damages. Some jurisdictions do not allow the exclusion of implied warranties or limitations of liability, so certain aspects of this disclaimer may not apply to you.

By using the Website and/or AbsoluteMutual.com’s services, you agree to indemnify, defend, and hold harmless AbsoluteMutualcom, its affiliates, suppliers, and Insurers, as well as their respective members, managers, directors, officers, and employees, from any and all claims, liabilities, damages, losses, and expenses (including reasonable attorney fees) that arise from your use of the Website. This includes, but is not limited to, any claims alleging actions or facts that, if proven true, would constitute a breach of this Agreement by you.

Both you and we agree that any disputes or claims arising from or related to your use of our Services, or any products or services offered, sold, or purchased through them, will be resolved solely through final and binding arbitration, rather than in court. However, you may bring claims in small claims court if they meet the necessary qualifications. The Federal Arbitration Act governs how this arbitration agreement is interpreted and enforced.

Both parties agree to pursue claims against each other only in an individual capacity and not as part of any class or representative action. This includes, but is not limited to, claims under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq. Unless both parties consent otherwise, the arbitrator cannot consolidate multiple claims, oversee joint proceedings, or handle any form of class-based or representative litigation. Any relief granted by the arbitrator, whether monetary, injunctive, or declaratory, will be specific to the individual party bringing the claim and will not extend to other users.

The arbitrator, not any federal, state, or local court or agency, shall have the sole authority to resolve any disputes concerning the interpretation, applicability, enforceability, or formation of this Arbitration Agreement or any portion of this Agreement. This includes, but is not limited to, any claims asserting that any part of this Arbitration Agreement or the Agreement itself is invalid or unenforceable. Arbitration will be conducted by the American Arbitration Association (“AAA”) under its rules and procedures, including the AAA’s Supplementary Procedures for Consumer-Related Disputes (if applicable), as modified by this Arbitration Agreement. The AAA’s rules and instructions for initiating arbitration proceedings can be found at http://www.adr.org. The arbitration will take place in the county where you reside or at another mutually agreed location. If the total amount sought is $10,000 or less, either party may choose to conduct arbitration by telephone or through written submissions, unless the arbitrator determines that an in-person hearing is necessary. If an in-person hearing is required, both parties may attend via telephone unless the arbitrator directs otherwise.

The arbitrator will resolve disputes according to the laws of the State of Delaware, including established principles of equity, and will recognize all applicable legal privileges. While the arbitrator is not required to follow rulings from previous arbitrations involving other users, they must adhere to prior arbitration decisions involving the same user if required by law. The arbitrator’s decision shall be final and binding, and a court with proper jurisdiction may enter judgment on the award. This arbitration clause will remain in effect even after the termination of this Agreement, the closure of your account, or your cessation of access to or use of our Services, as well as any products or services offered, purchased, or sold through them.

Unless otherwise specified in this Agreement to Arbitrate, the payment of all filing, administrative, and arbitrator fees will be governed by the rules of the American Arbitration Association ("AAA"). If you seek relief valued at $10,000 or less, we will cover all arbitration-related fees upon your request. To request this payment, you must submit a written request to the AAA along with your Demand for Arbitration, and we will coordinate payment directly with the AAA.

For claims exceeding $10,000, if you can demonstrate that arbitration costs would be significantly higher than litigation expenses, the arbitrator may require us to cover a portion of the fees necessary to ensure arbitration remains accessible. However, if the arbitrator determines that your claims are frivolous, you agree to reimburse us for any fees we paid on your behalf that you would otherwise be responsible for under the AAA’s rules.

All arbitration proceedings, including any related documents, hearings, and awards, shall be treated as strictly confidential by both parties. Neither party may disclose any information regarding the arbitration, including its existence, subject matter, or outcome, except as required by law or to enforce or challenge the arbitration decision in a court of law. The arbitrator, parties, and any representatives involved must maintain the confidentiality of all materials and testimony presented during the arbitration. Disclosure is only permitted if necessary to comply with legal obligations, regulatory requirements, or enforce an arbitration award. This confidentiality provision shall remain in effect even after the arbitration concludes and survives the termination of this Agreement.

Except for the provisions outlined in this Agreement to Arbitrate under "Prohibition of Class and Representative Actions and Non-Individualized Relief," if any portion of this Agreement to Arbitrate is deemed invalid or unenforceable by an arbitrator or court, the remaining provisions shall remain in effect. However, if any part of the "Prohibition of Class and Representative Actions and Non-Individualized Relief" section is found to be invalid or unenforceable, then this entire Agreement to Arbitrate shall be rendered void. The rest of the Agreement, including its Legal Disputes section, will continue to be enforceable.