Terms of Service

1. Acceptance of Terms

By accessing or using the Clearpath Quote website (the "Site") or submitting information through a quiz form, you agree to be bound by these Terms of Service ("Terms") and our Privacy Policy. If you do not agree, do not use the Site.

2. What Clearpath Quote Is

Clearpath Quote is a consumer-to-agent matching service operated by [LEGAL ENTITY NAME]. We are not an insurance company, insurance agent, insurance broker, or producer. We do not sell, underwrite, bind, or issue insurance policies, and we do not provide insurance, tax, legal, or financial advice.

We connect consumers who complete a quiz on the Site with one licensed insurance agent who may then contact the consumer. We do not guarantee that any agent will contact you, that coverage will be offered, or the terms, premiums, or availability of any coverage. Any policy, quote, illustration, or rate is provided solely by the licensed agent or carrier and is subject to their underwriting, availability, and state approval.

3. TCPA and Contact Consent

When you submit your information, the consent language shown on the quiz form and in the page footer at the time of submission governs how we and the matched agent may contact you. These Terms do not modify that consent.

4. Eligibility

The Site is intended for U.S. residents 18 years of age or older. By using the Site, you represent that you meet these requirements.

5. Intellectual Property

All content on the Site — including text, graphics, logos, the Clearpath Quote name and mark, code, and design — is owned by [LEGAL ENTITY NAME] or its licensors and is protected by U.S. and international intellectual property laws. You may not copy, modify, distribute, sell, or create derivative works from any part of the Site without our prior written permission.

6. Prohibited Uses

You agree not to:

• Submit false, misleading, or another person's information.
• Use the Site if you are under 18.
• Interfere with the Site's operation, security, or availability.
• Use bots, scrapers, or other automated tools to access the Site.
• Reverse engineer, decompile, or attempt to derive the source code of any part of the Site.
• Use the Site for unlawful, fraudulent, or infringing activity.

7. Third-Party Links and Services

The Site may link to or rely on third-party websites and services (including analytics, advertising platforms, and lead-routing tools). We do not control and are not responsible for third-party content, policies, or practices. Your use of third-party services is governed by their own terms and privacy policies.

8. Disclaimer of Warranties

The Site and all information on it are provided "AS IS" and "AS AVAILABLE" without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranty that the Site will be uninterrupted or error-free. We do not warrant the accuracy, completeness, or reliability of any quote, illustration, rate, or agent match.

9. Limitation of Liability

To the maximum extent permitted by law, [LEGAL ENTITY NAME] and its officers, directors, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenues, data, goodwill, or other intangible losses, arising out of or in connection with your use of the Site or a matched agent's actions or omissions. Our aggregate liability for any claim arising from these Terms or the Site will not exceed one hundred U.S. dollars ($100).

10. Indemnification

You agree to indemnify and hold harmless [LEGAL ENTITY NAME] from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising out of your use of the Site, your violation of these Terms, or your violation of any law or third-party right.

11. Governing Law

These Terms are governed by the laws of the State of [GOVERNING LAW STATE], without regard to its conflict-of-laws principles. Venue for any action not subject to arbitration will lie exclusively in the state and federal courts located in [GOVERNING LAW STATE].

12. Dispute Resolution / Arbitration

[ARBITRATION CLAUSE PLACEHOLDER — subject to attorney review.] The parties intend to include a binding individual arbitration clause and class-action waiver, with a small-claims-court carve-out and clear opt-out procedure, in a form to be finalized by counsel.

13. Termination

We may suspend or terminate your access to the Site at any time, without notice, for any reason, including a violation of these Terms.

14. Changes to These Terms

We may update these Terms from time to time. Material changes will be reflected in the "Last updated" date at the top of this page. Your continued use of the Site after changes take effect constitutes acceptance of the updated Terms.

15. Contact

[LEGAL ENTITY NAME]
[BUSINESS ADDRESS]
Email: [PRIVACY CONTACT EMAIL]