Agreement to Terms
By accessing or using the Motorence website and services (the "Services"), you agree to be bound by these Terms of Service ("Terms"), our Privacy Policy, and our Cookie Policy. If you do not agree to these Terms, you should not use our Services.
These Terms constitute a legally binding agreement between you ("User," "you," or "your") and Motorence ("Motorence," "we," "us," or "our").
Description of Services
Motorence provides an online platform that allows users to compare auto insurance quotes from multiple licensed insurance carriers. Our Services include:
- Providing insurance rate comparisons from our partner carriers
- Connecting users with licensed insurance agents
- Providing educational information about insurance products
- Facilitating the quote request and policy purchase process
Motorence is an insurance agency and lead generation platform. We are not an insurance carrier and do not issue insurance policies directly.
User Eligibility
You must meet the following requirements to use our Services:
- Be at least 18 years of age (or the age of majority in your state)
- Possess valid driver's license and vehicle registration
- Be legally permitted to enter into binding contracts
- Not be prohibited from using our Services under applicable law
By using our Services, you represent and warrant that you meet these eligibility requirements.
User Accounts and Registration
To access certain features of our Services, you may need to create an account. You agree to:
- Provide accurate and complete registration information
- Keep your account credentials confidential and secure
- Promptly update any changes to your information
- Accept responsibility for all activities under your account
- Notify us immediately of any unauthorized account use
We reserve the right to suspend or terminate accounts that violate these Terms or contain inaccurate information.
User Conduct and Prohibited Uses
When using our Services, you agree NOT to:
- Use our Services for any unlawful purpose
- Submit false, misleading, or fraudulent information
- Attempt to gain unauthorized access to our systems
- Interfere with or disrupt the operation of our Services
- Upload or transmit viruses, malware, or other harmful code
- Collect or store personal information about other users
- Impersonate any person or entity
- Engage in any activity that could harm Motorence or its users
Information Accuracy
You represent and warrant that all information you provide to us is accurate, current, and complete. You acknowledge that:
- Insurance quotes are based on information you provide
- False or inaccurate information may result in incorrect quotes
- Insurance carriers may cancel or deny coverage based on inaccurate information
- You are solely responsible for the accuracy of your submitted information
Important: Providing false or misleading information to obtain insurance may result in policy cancellation, denial of claims, and potential legal action.
Third-Party Partners and Links
Our Services include connections to third-party insurance carriers, agents, and partners. You acknowledge that:
- Motorence is not responsible for the products, services, or practices of third parties
- Third-party terms, conditions, and privacy policies apply to their services
- Quote comparisons do not constitute insurance advice or recommendations
- You should independently evaluate any insurance product before purchase
Intellectual Property
All content, features, and functionality of our Services are owned by Motorence and are protected by intellectual property laws. You may not:
- Copy, modify, or distribute our content without permission
- Use our trademarks, logos, or branding without authorization
- Reverse engineer or decompile any part of our Services
- Remove any copyright, trademark, or other proprietary notices
You may use our Services for personal, non-commercial purposes only.
Disclaimer of Warranties
OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT:
- OUR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE
- QUOTES WILL BE AVAILABLE FROM ALL CARRIERS AT ALL TIMES
- INFORMATION ON OUR SITE IS ACCURATE, COMPLETE, OR CURRENT
- ANY THIRD-PARTY PRODUCTS OR SERVICES WILL MEET YOUR REQUIREMENTS
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, Motorence SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:
- LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES
- DAMAGES RESULTING FROM USE OF OR RELIANCE ON THIRD-PARTY SERVICES
- DAMAGES RESULTING FROM QUOTE INACCURACIES OR POLICY ISSUES
- ANY LOSS OR DAMAGE CAUSED BY SECURITY BREACHES BEYOND OUR REASONABLE CONTROL
OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID, IF ANY, FOR OUR SERVICES.
Indemnification
You agree to indemnify, defend, and hold harmless Motorence and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising out of:
- Your use of our Services
- Your violation of these Terms
- Your submission of false or inaccurate information
- Your violation of any third-party rights
Arbitration and Dispute Resolution
Any dispute, claim, or controversy arising out of or relating to these Terms or our Services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You agree that:
- Arbitration will be conducted on an individual basis, not as a class action
- You waive any right to participate in class-wide arbitration or litigation
- Arbitration proceedings will be conducted in Travis County, Texas
- The arbitrator's decision will be final and binding, subject to limited court review
Notwithstanding the foregoing, either party may seek injunctive relief in any court of competent jurisdiction to protect intellectual property rights.
Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law principles. Any legal action or proceeding shall be brought exclusively in the state or federal courts located in Travis County, Texas.
Termination
We may terminate or suspend your access to our Services at any time, without prior notice, for any reason, including for violation of these Terms. Upon termination:
- Your right to use our Services immediately ceases
- You must destroy all materials obtained from our Services
- All provisions of these Terms that should survive termination will survive
Changes to These Terms
We may modify these Terms at any time. We will post changes on this page and update the "Last Updated" date. Your continued use of our Services after any modifications indicates your acceptance of the revised Terms.
Severability
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining provisions will continue in full force and effect.
Entire Agreement
These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Motorence regarding our Services and supersede any prior agreements or understandings, whether written or oral.
Contact Us
If you have questions about these Terms, please contact us at:
Motorence
Email: legal@motorence.com
Phone: (877) 406-0402
Address: 123 Insurance Way, Suite 100, Austin, TX 78701