Please read these Terms & Conditions ("Agreement" or "Terms") carefully. By accessing or using reliableinsurancerates.com (the "Site"), operated by Reliable Insurance Rates LLC ("we," "us," or "our"), you agree to be fully bound by these Terms and our Privacy Policy. These Terms govern all users of the Site, including consumers, advertising partners, and insurance providers. If you do not agree to these Terms, you must stop using the Site immediately. For questions, contact us at info@reliableinsurancerates.com.
The following terms have specific meanings throughout this Agreement:
Any qualifying event that triggers an obligation to compensate a Publisher, as specified in the applicable Campaign or Insertion Order. Actions may include clicks, consumer leads, quote submissions, phone calls, call routing requests, form completions, user registrations, conversions, or other defined events.
Any promotional or marketing material, including all Creative content, used to promote an Advertiser's products or services through the Site or associated Network.
Any business, company, or entity — including its members, officers, employees, and representatives — that participates in a Campaign to promote, advertise, or sell its insurance products or services through Reliable Insurance Rates LLC's platform.
An independent third-party individual or business that controls advertising inventory, websites, contact databases, or other marketing channels within our network, and earns compensation by directing qualified traffic, leads, or consumers to Advertiser offers.
A structured arrangement of marketing offers created to promote an Advertiser's products or services, as outlined in Insertion Orders, forming the basis for Publishers to generate prospective customers.
Any proprietary or business-sensitive data exchanged between parties — including financial records, customer data, strategic plans, technical specifications, pricing, and campaign metrics — whether oral, written, or electronic, that holds commercial value and is treated as private by the disclosing party.
Promotional and creative materials developed or used by Advertisers or Publishers, including product descriptions, graphics, logos, and written copy associated with a Campaign or Offer.
Compensation paid to a Publisher by Reliable Insurance Rates LLC for qualifying Actions generated under an Insertion Order or Campaign, as specified therein.
An executed written agreement specifying the details of an Advertisement or Campaign, including compensation, creative assets, and other specifications. Each IO, upon execution by both parties, forms part of and is incorporated into this Agreement. In cases of conflict, the IO takes precedence over these Terms solely with respect to fees, duration, invoicing, and payment terms.
Consumer data collected from an individual who has responded to a Campaign or Offer.
The technology-driven infrastructure operated by Reliable Insurance Rates LLC that enables Advertisers to access consumer insurance leads generated by Publishers, and through which Publishers are compensated for qualifying Actions.
A specific advertising proposition, landing page, or website destination associated with an Advertiser's Campaign.
All services provided by Reliable Insurance Rates LLC through the Site and Network Platform, including enabling Advertisers to acquire consumer leads and enabling Publishers to monetize qualifying traffic and Actions.
All applicable federal, state, and local statutes, regulations, rules, and guidelines, including those governing consumer protection, privacy, advertising, telemarketing (TCPA, TSR, CAN-SPAM), intellectual property, data protection (CCPA, GLBA), and FTC endorsement guidelines, in every jurisdiction where a party operates.
Reliable Insurance Rates LLC grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Site in accordance with these Terms. By accessing the Site, you represent and warrant that:
Please Note: reliableinsurancerates.com is an insurance comparison and lead generation platform — we are not an insurance company, carrier, agent, or broker. We do not underwrite or sell insurance policies. We connect users with licensed insurance providers who offer their own products.
ReliableInsuranceRates.com maintains commercial relationships with insurance companies, agents, and affiliated financial services providers. We may receive compensation — including fees, commissions, or other consideration — when users click advertisements, submit quote requests, or purchase insurance products through our platform.
This compensation may influence which providers appear on our Site and the order or prominence of their listings. Not all available insurance providers or products are represented. Our editorial content and comparison tools are maintained independently of these advertiser relationships to the greatest extent possible, to ensure useful and objective consumer guidance.
By submitting a quote request through our Site, you expressly consent to be contacted by Reliable Insurance Rates LLC and/or our Insurance Partners via telephone (including mobile), email, or text message — including through automated dialing systems or pre-recorded messages — at the contact information you provide. This consent is not a condition of purchasing any insurance product.
All quotes, rate estimates, and comparisons displayed through our Site are based on user-submitted information and are for illustrative purposes only. Actual premiums, coverage terms, and eligibility are determined solely by each Insurance Partner based on underwriting criteria, verification of your submitted information, and applicable state law.
Receiving or reviewing a quote does not guarantee policy approval, binding coverage, or a final insurance contract. All coverage decisions rest exclusively with the applicable Insurance Partner.
Compensation Notice: We are compensated when users are connected with Insurance Partners. This may affect which providers are featured on our Site and how they are ranked or displayed.
All content on this Site — including text, graphics, logos, tools, data compilations, and software — is the property of Reliable Insurance Rates LLC or our licensed content providers and is protected by applicable intellectual property laws. You may use the Site for personal, non-commercial purposes only. The following are strictly prohibited without prior written consent:
Insurance company names and logos appearing on our Site remain the property of their respective owners. Their presence does not imply endorsement beyond their participation in our comparison network.
Our Site may contain links to third-party websites, including those of Insurance Partners or industry resources. These links are provided for convenience only. Reliable Insurance Rates LLC does not control or endorse such third-party websites and is not responsible for their content, privacy practices, or services. We encourage you to review the terms and privacy policies of any third-party site you visit.
Advertisers shall compensate Reliable Insurance Rates LLC for Services in accordance with the Campaign model and Fee structure outlined in each Insertion Order. Campaign metrics and Action counts are tracked using industry-standard technology and are conclusive and binding on the Advertiser. Advertisers must not interfere with tracking mechanisms in any way.
Any inquiries or disputes regarding Campaign Metrics must be submitted in writing within fourteen (14) calendar days of initial appearance in the tracking system; otherwise, metrics are deemed accurate and approved.
If specified in the Insertion Order, Reliable Insurance Rates LLC may impose a cap on the number of Actions or Services delivered. Any adjustments to a cap require a new or amended Insertion Order signed by both parties. If a Budget is specified, Advertisers shall remit full payment immediately upon executing the Insertion Order.
Advertisers are responsible for all Fees due and authorize Reliable Insurance Rates LLC to deduct amounts from any pre-funded budget where applicable. Overdue amounts accrue interest at 1.5% per month (or the maximum permitted by law). Advertisers shall reimburse all collection costs, including reasonable attorneys' fees.
Acceptable payment methods include cash, credit card, wire transfer, check, ACH debit, or any other method mutually agreed upon in writing, denominated in US dollars. Services may be suspended if payment is not received when due.
Reliable Insurance Rates LLC may require Advertisers to authorize automatic, recurring fund withdrawals from a designated financial account to satisfy ongoing payment obligations. If an automatic payment is declined or fails for any reason, the Advertiser shall reimburse any associated charges, and Services may be suspended until resolved.
All billing claims or disputes must be submitted in writing within seven (7) days of the relevant charge or invoice. Failure to submit a timely dispute constitutes a permanent waiver of the claim, and the charge becomes final.
Non-Refundable Services: Advertisers acknowledge that payment obligations are not contingent on Campaign success. All amounts paid or owed to Reliable Insurance Rates LLC for Services are non-refundable.
Advertisers are solely responsible for all Creative materials used in their Campaigns. Creative materials must not violate any third-party rights, contain false or misleading information, or violate any applicable Laws. Reliable Insurance Rates LLC does not verify, create, or assume liability for the accuracy or legality of Advertiser Creative materials.
Advertisers represent and warrant that all products, services, Offers, Campaigns, and Creative materials comply with all applicable Laws at all times. Advertisers may not use any third party's intellectual property without express written consent. Advertisers are solely responsible for engaging their own legal counsel and compliance consultants to ensure ongoing compliance.
Advertisers represent and warrant that they are duly licensed and qualified to conduct business in all required jurisdictions, have full authority to enter into this Agreement, and that this Agreement constitutes a legally binding obligation enforceable against the Advertiser.
Advertisers acknowledge that third-party fraud may occur beyond Reliable Insurance Rates LLC's control. Advertisers agree to promptly report any suspected fraud. Reliable Insurance Rates LLC is not liable for fraud committed by end users or third parties, and Advertisers remain obligated to pay for all Services performed, notwithstanding any alleged fraud, unless Reliable Insurance Rates LLC determines sufficient proof exists to warrant action.
Reliable Insurance Rates LLC maintains fraud detection policies and reserves the right to immediately terminate Services and pursue legal remedies if fraud is discovered.
Reliable Insurance Rates LLC grants Advertisers a revocable, non-transferable, non-sublicensable, non-exclusive limited license to participate in the Network and use the Network Sites solely for the purpose of accessing the Services, subject to these Terms and applicable Campaigns. Advertisers may not alter, modify, or interfere with any tracking codes, tags, pixels, or other tracking mechanisms. Upon termination, Advertisers shall immediately cease use of and destroy all proprietary data, Confidential Information, and Network materials provided by Reliable Insurance Rates LLC.
Either party may terminate this Agreement or any Insertion Order upon 48 hours' advance written notice. The Agreement remains in full force until the notice period expires. Advertisers remain obligated to pay for all Actions and Fees generated during the notice period.
Reliable Insurance Rates LLC may immediately suspend or terminate a Campaign or Advertiser's access without notice if the Advertiser violates these Terms, any Insertion Order, applicable Laws, or platform policies. Upon any termination, all outstanding amounts become immediately due and payable.
Advertisers agree to defend, indemnify, and hold harmless Reliable Insurance Rates LLC and its affiliates, officers, directors, employees, and agents from any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from: (a) any breach of these Terms or applicable Insertion Orders; (b) Advertiser's Creative materials, Ads, or content; (c) Advertiser's negligence, acts, or omissions; or (d) Advertiser's products or services linked to a Campaign.
Publishers must obtain official approval from Reliable Insurance Rates LLC before participating in the Network, accessing Campaigns or Offers, or receiving Fees. Approved Publishers are issued unique login credentials that must not be shared with any other person or entity.
To maintain approved Publisher status, Publishers must at all times:
Reliable Insurance Rates LLC may audit Publisher books and records upon two (2) business days' notice. Failure to comply with these requirements may result in immediate suspension or termination without notice and forfeiture of any unpaid Fees.
Publishers may engage Sub-Publishers to perform Services only with prior written approval from Reliable Insurance Rates LLC, and only if:
Publishers remain solely responsible for all actions and omissions of their Sub-Publishers, including indemnification of Reliable Insurance Rates LLC for any resulting claims. Reliable Insurance Rates LLC has no obligation to pay Fees directly to any Sub-Publisher and may withhold Publisher Fees if a Sub-Publisher violates these Terms.
Publishers who engage in call center or SMS-based marketing agree to the following:
Subject to compliance with these Terms, Reliable Insurance Rates LLC will pay Publishers a Fee for each qualifying Action in accordance with applicable Campaign and Insertion Order terms. The following conditions apply:
Publishers must maintain accurate billing records for the term of this Agreement and for two (2) years following its expiration or termination.
All Actions are tracked in real time using industry-standard technology. Campaign Metrics compiled by Reliable Insurance Rates LLC are binding and conclusive. Publishers must not modify or interfere with tracking systems in any way.
Any questions or disputes regarding Campaign Metrics must be submitted in writing within three (3) business days of their initial appearance in the tracking system. After this period, metrics are deemed approved and used as the basis for Fee calculation. Where material discrepancies exist between Reliable Insurance Rates LLC's tracking and third-party tracking, Reliable Insurance Rates LLC's metrics shall govern.
Publishers are compensated only for valid, qualified Actions that meet all specified Campaign criteria. For lead generation campaigns, compensable leads must be:
All qualifying leads delivered through the Network become the sole property of Reliable Insurance Rates LLC. Publishers may not remarket to or resell any leads delivered to Reliable Insurance Rates LLC.
Publishers shall not — directly or through any Sub-Publisher — engage in any practice designed to artificially inflate the number of Actions, including the use of bots, scripts, spyware, fake identities, redirect schemes, or any other deceptive technology or method.
Reliable Insurance Rates LLC may withhold, cancel, or chargeback amounts already paid if it determines or reasonably suspects that Actions were generated by fraudulent or non-qualifying means. Chargebacks will be reconciled against future billables or, if no active Insertion Order exists, must be repaid by the Publisher within fifteen (15) days of written notice.
Publishers represent, warrant, and agree that:
Publishers agree that Reliable Insurance Rates LLC shall not be liable, and Publishers shall fully indemnify Reliable Insurance Rates LLC, for any violation of these Terms or Laws related to Publisher Services or Campaigns.
Publishers agree to defend, indemnify, and hold harmless Reliable Insurance Rates LLC and its affiliates, officers, directors, employees, and agents from any and all claims, liabilities, damages, losses, costs, and expenses (including attorneys' fees) arising from: (a) breach of these Terms or any Insertion Order; (b) Publisher Websites, emails, or Creative materials; or (c) Publisher negligence, acts, or omissions.
Reliable Insurance Rates LLC reserves the right to offset any indemnified losses against Fees owed to the Publisher. Publishers may not settle any claim that adversely affects Reliable Insurance Rates LLC's rights without prior written consent.
Either party may terminate this Agreement upon two (2) business days' advance written notice. The Agreement remains in full force until the notice period expires. Provisions that by their nature should survive termination — including confidentiality, indemnification, warranty disclaimers, and limitation of liability — shall continue to apply.
Reliable Insurance Rates LLC may immediately suspend or terminate a Publisher's access without notice if the Publisher violates these Terms, any Insertion Order, applicable Laws, or platform policies. Upon termination, Reliable Insurance Rates LLC may cease all pending Fee payments at its sole discretion.
Statute of Limitations: Any claim by a Publisher arising out of or relating to this Agreement must be brought within one (1) year after the cause of action arose, or it will be permanently waived.
Both parties acknowledge that they may share or receive trade secrets, proprietary data, and Confidential Information during the course of this Agreement. All such information must be treated with strict confidence and may not be disclosed to any unauthorized third party without the express written consent of the disclosing party. Confidential Information may only be used in connection with the purposes of this Agreement.
Upon termination or expiration of this Agreement, each party shall promptly return or destroy all Confidential Information received from the other party upon written request.
If either party is legally compelled to disclose Confidential Information (e.g., by court order or subpoena), the receiving party must provide prompt written notice — within no more than five (5) days — so that the disclosing party may seek a protective order. The receiving party shall disclose only the minimum information required by law and shall cooperate in seeking to limit the scope of disclosure.
The parties acknowledge that a breach or threatened breach of confidentiality obligations would cause irreparable harm for which monetary damages alone would be insufficient. Either party may seek specific performance, temporary restraining orders, or injunctive relief without the requirement of posting a bond, in addition to all other available legal remedies.
Publishers acknowledge that Reliable Insurance Rates LLC has proprietary relationships with its Advertisers. Publishers agree not to circumvent, solicit, or otherwise obtain directly from Reliable Insurance Rates LLC's Advertisers any services similar to those provided under this Agreement, unless the Publisher can demonstrate a pre-existing relationship predating the first Insertion Order. Breach of this provision entitles Reliable Insurance Rates LLC to compensation equal to one-third of Fees paid or projected to be paid by the applicable Advertiser in the first twelve months.
The Site and all Services are provided on an "as is" and "as available" basis without warranties of any kind.
Quotes and rate comparisons are for general informational purposes only and do not constitute professional insurance advice. reliableinsurancerates.com is not affiliated with any government agency, including Medicare or Medicaid.
In no event shall our total aggregate liability to any party exceed the amounts received by Reliable Insurance Rates LLC from that party under this Agreement in the twelve (12) months prior to the act or event giving rise to the claim.
Reliable Insurance Rates LLC is not responsible for any conduct, fraud, or inaction of Advertisers, Publishers, Sub-Publishers, online users, or any third parties.
California residents have the following rights under the California Consumer Privacy Act (CCPA) and other applicable California laws:
To exercise any of these rights, contact us at info@reliableinsurancerates.com. You may designate an authorized agent to act on your behalf. All requests are subject to identity verification.
Under California's "Shine the Light" law, California residents may also request details about any personal data shared with third parties for their direct marketing purposes in the prior calendar year.
This Agreement is governed by and construed in accordance with the laws of the State of Colorado, without regard to conflict of laws principles. Any dispute arising under or related to this Agreement shall be subject to the exclusive jurisdiction and venue of the state and federal courts located in Colorado.
Before initiating any formal legal proceeding, the parties agree to first detail the dispute in writing and then hold a telephone or video conference between senior representatives to attempt in good faith to reach an amicable resolution within thirty (30) days.
In any dispute arising under this Agreement, the prevailing party is entitled to recover all reasonable attorneys' fees and costs — including pre-suit, trial, and appellate fees, investigation costs, expert fees, and all other litigation-related expenses — whether or not a formal proceeding is filed.
These Terms, together with any applicable Insertion Orders, constitute the entire agreement between the parties and supersede all prior oral or written agreements regarding the subject matter herein. In the event of conflict between these Terms and any Insertion Order, the Insertion Order prevails solely with respect to fees, duration, invoicing, and payment terms; these Terms govern all other matters.
If any provision of this Agreement is found to be invalid or unenforceable, it shall be modified to the minimum extent necessary to make it enforceable, and all remaining provisions shall continue in full force and effect.
Failure by either party to enforce any provision of this Agreement shall not constitute a waiver of that provision or of the right to enforce it in the future.
Neither party may assign this Agreement without the prior written consent of the other party, except in connection with a merger, acquisition, or sale of substantially all assets. Any unauthorized assignment is null and void.
The parties are independent contractors. Nothing in this Agreement creates an agency, partnership, joint venture, or employer-employee relationship between the parties. Neither party has authority to bind or obligate the other.
Reliable Insurance Rates LLC shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including natural disasters, acts of government, pandemics, telecommunications failures, war, civil unrest, or other force majeure events, provided that reasonable notice is given. If such an event materially prevents service delivery for more than ten (10) consecutive days, either party may terminate upon written notice.
All required notices must be in writing and sent via overnight courier, certified mail, email (with delivery confirmation), or facsimile. Email notices are valid when "NOTICE" or "LEGAL NOTICE" appears in the subject line with confirmed delivery. Notice is deemed effective on the date sent.
All provisions that by their nature should survive termination — including confidentiality, indemnification, warranty disclaimers, limitation of liability, and payment obligations — shall survive expiration or termination of this Agreement for any reason.
Each restrictive covenant in this Agreement is independent of every other covenant. The existence of any claim or cause of action by one party shall not constitute a defense to enforcement of any covenant by the other party.
For any questions, disputes, notices, or concerns regarding these Terms & Conditions, please contact us using the information below:
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