Terms and Conditions
These Terms and Conditions govern your use of the websites operated by [TO BE SUPPLIED], including zip-coverage.com, rate-saver.ai, and fast-rates.com. By using a Site or submitting a request, you agree to them.
1. What we are — and are not
We operate a comparison and referral service. We are not an insurance company, agency, or broker, and we do not sell insurance or provide insurance advice. We are not licensed as an insurance producer. We do not guarantee any rate, premium, policy, or coverage. Any quote, rate, or saving mentioned on a Site is illustrative and depends on the insurer's own underwriting.
2. What happens when you submit a request
When you complete our questionnaire, we may share the information you give us with insurance providers, agents, and other marketing partners, who may contact you directly. We do not control what those partners offer you, what they charge, or how they treat your information once it is theirs — their own privacy policies govern that.
3. Consent to be contacted
If you provide consent when submitting the form, you agree that we and our marketing partners may contact you at the phone number and email address you provided, including by automated dialing systems, prerecorded or artificial voice messages, and text messages, even if your number is on a do-not-call list. Consent is not a condition of purchase. You may revoke consent at any time by contacting us at support@zip-coverage.com.
4. Your obligations
You agree to provide accurate information about yourself, and only to submit information about yourself or someone you are authorised to act for. You agree not to misuse the Sites, interfere with their operation, or access them by automated means.
5. Disclaimer and limitation of liability
The Sites are provided “as is,” without warranties of any kind. To the fullest extent permitted by law, [TO BE SUPPLIED] is not liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of the Sites or any contact from a marketing partner.
6. Binding arbitration
[ARBITRATION PROVISION — TO BE DRAFTED BY COUNSEL]
7. Class action waiver
[CLASS ACTION WAIVER — TO BE DRAFTED BY COUNSEL]
8. Governing law
These Terms are governed by the laws of [STATE — TO BE SUPPLIED], without regard to its conflict-of-laws rules.
9. Changes
We may update these Terms. Continued use of a Site after a change means you accept the updated Terms.