Please read these Terms carefully before using this Site.
By accessing or using the Ultimate Coverage website (“Site”) or any of its content or services, you agree to be bound by these Terms and Conditions, including our Privacy Policy, E-Sign Consent, and any additional rules posted on the Site (collectively, the “Terms”). These Terms form a legally binding agreement between you and Ultimate Coverage (“we,” “us,” or “our”).
If you do not agree with these Terms, you must not use the Site.
1. Eligibility
The Site is intended for individuals who are at least 18 years old and legally capable of entering binding contracts. It is designed for residents of the United States.
2. Our Services
Ultimate Coverage acts as a platform connecting users (“Prospects”) with insurance providers (“Providers”). We may collect user information (“Leads”) and share it with Providers.
We:
- Do not provide insurance directly (except limited life insurance cases)
- Do not guarantee offers or responses from Providers
- Do not endorse or recommend any Provider or product
- Are not responsible for Provider actions, accuracy, or services
For professional advice, consult a licensed expert.
3. Dispute Resolution (Binding Arbitration)
Any disputes between you and us must first be attempted to be resolved informally. If unresolved within 30 days, disputes will be settled through binding arbitration instead of court.
By agreeing:
- You waive the right to a jury trial
- You waive participation in class actions
- Claims are handled individually
Arbitration will follow American Arbitration Association (AAA) rules and generally take place in your local area.
You may opt out of arbitration within 30 days by written notice.
4. Use of the Site
You are granted a limited, non-exclusive license to use the Site for personal purposes only.
You may not:
- Copy, distribute, or reproduce content for commercial use
- Use bots, scraping tools, or automated systems
- Post unlawful, abusive, or harmful content
- Attempt to hack, disrupt, or misuse the Site
Unauthorized use may result in termination and legal action.
5. Intellectual Property
All content on the Site is protected by copyright and other laws. You may only use it for personal, non-commercial purposes.
By submitting content, you grant us a worldwide, royalty-free license to use and distribute it.
6. Privacy
Your use of the Site is subject to our Privacy Policy, which explains how we collect and use your information.
7. Disclaimer of Warranties
The Site and all services are provided “as is” without warranties of any kind. We do not guarantee:
- Accuracy or completeness of content
- Uninterrupted or error-free operation
- Freedom from viruses or harmful components
Use the Site at your own risk.
8. Limitation of Liability
We are not liable for:
- Indirect or consequential damages
- Loss of profits, data, or revenue
Our total liability is limited to:
- The amount you paid us (if any), or
- $200, whichever is greater
Claims must be filed within one year.
9. Third-Party Interactions
We are not responsible for disputes between you and Providers or other users. You agree to release us from any related claims.
10. Indemnification
You agree to defend and indemnify us against any claims arising from:
- Your use of the Site
- Your violation of these Terms
- Your interactions with Providers
11. Changes to the Site
We may modify, suspend, or discontinue any part of the Site at any time without notice.
12. Links to Third Parties
We may link to third-party websites but are not responsible for their content or services.
13. Governing Law
These Terms are governed by the laws of the State of Delaware, USA. Any disputes (outside arbitration) must be resolved there.
14. Electronic Consent
By using the Site, you consent to receive communications electronically and agree that electronic signatures are legally binding.
15. Updates to Terms
We may update these Terms at any time. Continued use of the Site means you accept the updated Terms.
16. Contact Information
For questions or notices, contact us at:
info@quotesbucket.com
Acknowledgment
By using the Site, you confirm that you have read, understood, and agreed to these Terms.
