Terms of Service

Last Updated: May 3, 2025
Effective Date: May 3, 2025

1. INTRODUCTION AND ACCEPTANCE

Welcome to insurancecompanyauto.com ("Website," "Platform," "we," "us," or "our"), owned and operated by ClickYield Media LLC, a Maryland limited liability company. These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and ClickYield Media LLC regarding your access to and use of our lead generation services.

By accessing or using our Website, submitting an inquiry form, or using our services, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use our Website or services.

2. SERVICES AND BUSINESS MODEL

2.1 Lead Generation Services

Insurance Company Auto operates as a lead generation platform that connects consumers seeking auto insurance information with licensed insurance providers nationwide. We are NOT an insurance company, insurance broker, or insurance agent. Our services include:

• Collecting and managing consumer inquiries about auto insurance
• Matching consumer inquiries with insurance providers based on specified criteria
• Facilitating connections between consumers and insurance companies
• Providing general educational content about auto insurance

2.2 No Insurance Advisory Services

We do not:

• Provide insurance advice or recommendations
• Make coverage determinations
• Issue insurance policies
• Handle insurance claims
• Guarantee insurance coverage or rates
• Act as an intermediary in insurance transactions

3. CONSUMER CONSENT AND COMMUNICATION

3.1 Express Written Consent

By submitting an inquiry through our Website, you provide express written consent for:

• Insurance Company Auto to collect, process, and share your information as described in our Privacy Policy
• Licensed insurance providers in our network to contact you regarding your inquiry
• Communications via phone, email, text message, or mail from us and our insurance provider partners
• Multiple insurance providers to contact you based on a single inquiry submission

IMPORTANT FCC COMPLIANCE NOTICE: Effective January 27, 2025, in accordance with FCC regulations, you understand and agree that:

• Your consent is specific to auto insurance-related communications
• Each insurance provider must obtain your separate consent before contacting you
• You have the right to revoke consent at any time
• You are not required to provide consent as a condition of purchasing any goods or services

3.2 Communication Practices

You acknowledge that:

• Contact attempts may occur during business hours and reasonable times
• Multiple insurance providers may contact you
• Communication frequency may vary based on your inquiry
• You may receive automated calls or texts if you've provided consent
• You can opt out of communications at any time

4. USER INFORMATION AND ACCURACY

4.1 Information Requirements

When submitting an inquiry, you agree to:

• Provide accurate, current, and complete information
• Use your real name and contact information
• Update any information that becomes inaccurate
• Not impersonate any person or entity
• Not provide false or misleading information

4.2 Eligibility

You must be:

• At least 18 years of age
• A legal resident of the United States
• Legally capable of entering into binding contracts
• The actual person seeking insurance information (not a third party)

5. DATA PRIVACY AND PROTECTION

5.1 Privacy Compliance

We comply with applicable data protection laws including:

• California Consumer Privacy Act (CCPA/CPRA)
• Federal Trade Commission (FTC) regulations
• Telephone Consumer Protection Act (TCPA)
• CAN-SPAM Act
• Other applicable state and federal privacy laws

5.2 Data Rights

You have the right to:

• Access your personal information
• Request correction of inaccurate data
• Request deletion of your data (subject to legal requirements)
• Opt-out of data sales or sharing
• Withdraw consent for communications
• Request information about data collection practices

To exercise these rights, please contact us at info@clickyieldmedia.com.

5.3 Data Security

We implement reasonable security measures to protect your information, including:

• SSL encryption for data transmission
• Secure data storage practices
• Access controls and authentication
• Regular security assessments
• Incident response procedures

6. THIRD-PARTY RELATIONSHIPS

6.1 Insurance Provider Network

When you submit an inquiry:

• We may share your information with multiple insurance providers
• Each provider operates independently with their own terms and policies
• We do not control providers' practices or communications
• Providers are responsible for their own compliance with laws
• Your relationship with providers is governed by their terms

6.2 No Endorsement

We do not:

• Endorse or recommend specific insurance providers
• Guarantee the quality of insurance products or services
• Warrant the solvency or reliability of insurance companies
• Make representations about coverage availability or pricing

7. DISCLAIMERS AND LIMITATIONS

7.1 Service Disclaimer

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE SPECIFICALLY DISCLAIM ALL WARRANTIES INCLUDING:

• MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR COMPLETENESS OF INFORMATION
• RESULTS FROM USE OF SERVICES

7.2 Insurance Disclaimer

WE DO NOT GUARANTEE:

• Insurance coverage availability
• Specific insurance rates or premiums
• Approval of insurance applications
• Response times from insurance providers
• Quality of insurance products or services

7.3 Educational Content Disclaimer

Any educational content on our Website:

• Is for general informational purposes only
• Does not constitute insurance advice
• May not apply to your specific situation
• Should not replace professional insurance consultation
• May contain errors or become outdated

8. LIMITATION OF LIABILITY

8.1 Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY MARYLAND LAW, IN NO EVENT SHALL CLICKYIELD MEDIA LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR:

• ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• LOSS OF PROFITS, REVENUE, DATA, OR USE
• BUSINESS INTERRUPTION
• COST OF SUBSTITUTE SERVICES
• ANY DAMAGES EXCEEDING $100

8.2 Insurance Transactions

We are not liable for:

• Actions or omissions of insurance providers
• Insurance coverage decisions or denials
• Insurance policy terms, rates, or premiums
• Claims handling or payment
• Any disputes between you and insurance providers

9. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless ClickYield Media LLC, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

• Your use of our services
• Your violation of these Terms
• Your violation of any rights of another party
• Your submission of false or misleading information
• Your interactions with insurance providers

10. INTELLECTUAL PROPERTY

10.1 Ownership

All content on our Website, including text, graphics, logos, images, software, and compilation thereof, is the property of ClickYield Media LLC or its licensors and is protected by U.S. and international copyright laws.

10.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our Website for personal, non-commercial purposes in accordance with these Terms.

10.3 Restrictions

You may not:

• Copy, modify, or distribute our content without permission
• Use our trademarks without authorization
• Reverse engineer our Website or services
• Remove copyright or proprietary notices
• Use automated means to access our Website without permission

11. USER CONDUCT

You agree not to:

• Violate any applicable laws or regulations
• Submit false, misleading, or fraudulent information
• Interfere with or disrupt our services
• Attempt to gain unauthorized access to our systems
• Engage in any form of harassment or abuse
• Use our services for any unlawful purpose
• Collect or harvest user data without permission
• Transmit viruses or malicious code

12. TERMINATION

12.1 Our Rights

We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including:

• Breach of these Terms
• Fraudulent or illegal activity
• Requests by law enforcement
• Extended periods of inactivity
• Technical or security issues

12.2 Effect of Termination

Upon termination:

• Your right to use our services ceases immediately
• We may delete your information (subject to legal requirements)
• Provisions that should survive termination will remain in effect

13. DISPUTE RESOLUTION

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Maryland, without regard to its conflict of law provisions.

13.2 Jurisdiction and Venue

Any legal action or proceeding arising under these Terms shall be brought exclusively in the state or federal courts located in Maryland, and you hereby consent to the personal jurisdiction and venue of such courts.

13.3 Dispute Resolution Process

Before filing any lawsuit, you agree to first:

1. Contact us at info@clickyieldmedia.com to attempt resolution
2. Engage in good faith negotiation for at least 30 days
3. Consider mediation if negotiation fails

13.4 Class Action Waiver

You agree to bring any claims against us only in your individual capacity and not as a plaintiff or class member in any purported class or representative proceeding.

14. GENERAL PROVISIONS

14.1 Entire Agreement

These Terms constitute the entire agreement between you and ClickYield Media LLC regarding the use of our services and supersede all prior agreements.

14.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

14.3 Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

14.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign our rights and obligations without restriction.

14.5 Force Majeure

We shall not be liable for any failure to perform our obligations due to causes beyond our reasonable control.

14.6 Notices

Legal notices to us should be sent to:

ClickYield Media LLC
Email: info@clickyieldmedia.com

14.7 Maryland Specific Provisions

In accordance with Maryland law:

• Any legal proceedings must comply with Maryland Rules of Civil Procedure
• The Maryland Consumer Protection Act applies to our services
• We comply with Maryland's Personal Information Protection Act

15. MODIFICATIONS TO TERMS

We reserve the right to modify these Terms at any time. We will notify you of any material changes by:

• Posting the updated Terms on our Website
• Updating the "Last Updated" date
• Sending notice to registered users (if applicable)

Your continued use of our services after changes constitutes acceptance of the modified Terms.

16. CONTACT INFORMATION

For questions about these Terms, please contact us at:

ClickYield Media LLC
Email: info@clickyieldmedia.com
Website: www.clickyieldmedia.com

17. ACKNOWLEDGMENT

BY USING OUR WEBSITE OR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM.