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a non-government website
Updated: March 11, 2025
These Terms of Use ("Terms") govern your use of this website and any services that we provide to you (collectively, the "Service") except where we state separately that other terms, and not these Terms, apply to your access and use of the Service. When you use the Service, you accept, agree to, and are bound by these Terms. If you do not agree to these Terms, you are prohibited from using or accessing the Service. This means if you do not agree to these Terms or to be bound by them, do not access or otherwise use the Service.
The terms "we," "us," "our", "QuoteLab," or "MediaAlpha" refer to QuoteLab, LLC and its subsidiaries and affiliates.
AS MORE FULLY DESCRIBED IN THE MANDATORY ARBITRATION SECTION BELOW, BY ACCEPTING AND AGREEING TO THESE TERMS, YOU ARE AGREEING THAT ALL CLAIMS and DISPUTES BETWEEN YOU AND US WILL BE RESOLVED BY BINDING ARBITRATION ON AN INDIVIDUAL BASIS, EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN MANDATORY ARBITRATION. YOUR AGREEMENT TO ARBITRATION MEANS ALL CLAIMS AND DISPUTES FOR COVERED DISPUTES WILL BE DECIDED BY A NEUTRAL ARBITRATOR. YOU ARE ALSO GIVING UP THE RIGHT TO GO TO COURT, THE RIGHT TO A TRIAL BY JURY, AND THAT ALL CLAIMS AND DISPUTES BETWEEN US, WHETHER IN COURT OR ARBITRATION, WILL BE BROUGHT ONLY ON AN INDIVIDUAL BASIS AND YOU ARE WAIVING YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS ARBITRATION OR CLASS ACTIONS.
Using our Marketplace to Connect with Advertisers
Our Service is designed to connect you with advertisers by providing you the opportunity to make requests to us and to receive prices, quotes, rates, and product and service information (“offerings”) from our network of advertisers (called “advertisers”) which, depending on the type of request you make, can include the following kinds of advertisers:
The type of request you can make to us, the offerings you can receive, and the advertisers we can connect you with depends on how you use our Service and for what purpose. For example, using our Service to request offerings for:
When you use our Service to make a request to us for offerings from our network of advertisers, once you provide us with certain information regarding your request, we attempt to match you with appropriate offerings and provide these offerings to you in the form of advertisements that are presented as online ads, text, video, audio, or other interactive content, links, products and services information, prices, rates, quotes, links, etc. that you may select to be connected with the advertiser (e.g., click on an advertisement we display to you that you can click on to navigate to the advertiser's website or app) to receive further information from the advertiser, or to make a purchase from the advertiser, or to apply for coverage with the advertiser.
Any prices, rates, or quotes and product and service information will be provided by participating advertisers.
We do not guarantee that any advertiser participating in the Service will contact you or agree to provide your required option, accommodation, or coverage.
We do not act as an agent for any participating advertiser nor do we sell the products or services of such advertisers.
We are not responsible in any way for the conduct of the advertisers or their representatives, agents, contractors, vendors, service providers, and partners, and other companies whose advertisements may be displayed on the Service.
These Terms do not apply to the practices of other businesses (including advertisers who participate in our Service), the products and services they offer, and their websites and apps.
This means the terms and conditions and privacy policies of such businesses apply to your use of their websites, apps, and services and any information you provide to them or is collected automatically by them (or their representatives, agents, contractors, service providers, vendors, or partners) from you. You should review their terms and conditions and privacy policy prior to using their services.
Important Information for Insurance Offerings
When you use our Service to make a request to us for insurance offerings from our network of advertisers, please keep in mind the following:
We are not an insurance carrier, and hence, we do not provide rates, quotes, or issue insurance contracts or bind coverage ourselves, nor do we endorse or recommend any companies or specific types of insurance policies.
While we publish content on the Service about insurance, we do not provide tax or financial advice of any kind.
We do not guarantee that any policy for which you apply will be approved, or that any insurance carrier, insurance agents, brokers, carriers, or other insurance service provider to which we connect you will review your application or contact you.
The policy provided by any insurance provider will be subject to the terms and conditions under which it is issued, and we have no control over such terms and conditions.
While we make every attempt to publish current information regarding a variety of insurance offerings, such information is presented without guarantee or warranty.
Important Information for Travel and Vacation Offerings
When you use our Service to make a request to us for travel and vacation offerings from our network of advertisers, please keep in mind the following:
We are not a travel agency or a travel service provider, and hence, we do not provide any of the flights, cars, hotels, or other services advertised on the Service, nor do we endorse or recommend any companies or specific travel options.
All travel and travel-related services and products will be subject to the terms and conditions of the provider with whom you book or make a purchase, and we have no control over such terms and conditions.
Using our Marketplace to Learn More About Becoming a Partner
Some of our Service is designed to help prospective partners (i.e., advertisers, agents, publishers, carriers, lead aggregators, brokers, and other types of business) learn more about how to participate in our marketplace, the services we provide, and to become a partner. These services can allow you to provide your contact information and submit a request to us to contact you to market our products and services that might be of interest to you.
We provide our services through our marketplaces which include:
You may only use the Services if you live in the United States and are at least 18 years old, or for our travel services, if you live in North America or Europe and are at least 18 years old. We reserve the right, for any reason, in our sole discretion, to terminate, change, suspend or discontinue any aspect of the Service. We may also impose limits on certain features of the Service or restrict your access to part of or the entire Service, without notice or penalty.
We do not charge users for use of the Service.
We may be compensated by insurance carriers, financial institutions, travel providers, or other companies advertising on the Service.
Our Service is designed to help connect you with advertisers so that you can obtain prices, quotes, rates, and product and service information from them. To make the Service work, we accept advertising from advertisers. The advertisements we provide to you through our Service are for informational purposes only. We have no responsibility for the accuracy or availability of information provided by advertisers, their websites, apps, and services, nor by other sites, apps, and services to which you may connect or navigate to from our Service. The ability for you to connect with advertisers and the availability of advertisements through our Service does not constitute an endorsement of or association with such websites, apps, or the content, products, services, advertising or other materials provided by or available through such advertisers or such websites, apps, and services.
You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with your use of or reliance on any advertisement, offer, content, materials, goods, or services available on or through such websites, apps, and services, or through the advertiser. You further acknowledge that we have no control over, and we assume no responsibility for, the advertisements, content, materials, terms, privacy policies, or practices of any third party or their websites, apps, goods, and services nor third party content, materials, goods, and services contained or presented therein or otherwise provided by such third party or through such third party websites, apps, or services.
By providing your contact information and submitting your request to us to receive an offering from our network of advertisers or, if you are a prospective partner, for information on the services we offer, you are agreeing that we (directly or through a third party) and, when you submit a request to us for an offering from our network of advertisers, the advertisers, may contact you on or through the Service, by phone (including through automated calling, live operators, using recorded messages, artificial voice, or interactive voice response systems), text messages, email, or postal mail (the methods used to contact you will be based on the information you provide and the consent we receive from you), to process your request or to market products and services that might be of interest to you, even if you have opted into the National Do Not Call List (administered by the Federal Trade Commission), any state or corporate do not call list, or any similar mechanism to opt-out of receiving phone calls, email, or texts.
If you no longer wish to receive these communications, to unsubscribe, or change/update any communication preferences with us including calls or mail, submit a request in our Privacy Center by selecting "Marketing and Communication Preferences" from the drop-down menu and then complete and submit the form. If you wish to unsubscribe to any email communications we send to you, simply select “unsubscribe” in the emails. If you wish to unsubscribe to any text messages we send to you, text “STOP” in reply to any text message you receive from us. Please note that we only control our own mailing and marketing lists/subscriptions and policies. Third parties that maintain their own marketing lists may send communications that advertise our services. You must contact these parties directly in order to stop receiving their communications.
We collect information from you when you access and use the Service. You can learn more about how we handle your information when you access and use the Service by reading our Privacy Policy available at https://mediaalpha.com/privacy-policy/. By using the Service, you agree that QuoteLab can collect, use, or otherwise process your information consistent with our privacy policy.
Please note, as described in our Privacy Policy, this site uses cookies and technology to collect data needed for our services to work including to process your requests, personalize your experience, and measure the effectiveness of content we show you, among other business purposes (Learn More). To learn more about cookies and how to disable them, read our Privacy Policy.
We reserve the right to monitor your use of the Service for violations of these Terms and any other behavior that we consider harmful. We will investigate activity related to your use of the Service using any means legally available and, where appropriate, may provide information about your use of the Service to law enforcement authorities and other third parties. To learn more, read our Privacy Policy available at https://mediaalpha.com/privacy-policy/.
The Service and any necessary software or other technology or property used in connection with the Service contain proprietary and confidential information that is protected by intellectual property laws in applicable jurisdictions. You acknowledge and agree that information and materials presented through the Service are protected by copyrights, trademarks, service marks, patents, and other proprietary rights and laws.
Except as expressly permitted by applicable law or as authorized by us, you agree not to modify, sell, distribute, license, reproduce, transmit, broadcast, publicly perform or display, or create derivative works based on the Service, in whole or in part.
We do not grant any license or other authorization to you to use our trade names, trademarks, service marks, or other marks or logos or those of our partners without our separate express written agreement.
Beyond the ability to access and use the Service as described in these Terms, we do not grant you any license, express, or implied. We reserve all rights not expressly granted hereunder, including the right to continually evolve the Service and all related technologies. Any commercial use of the Service, or any portion thereof, by you is strictly prohibited.
Third party marks are the property of their respective owners.
The information and services on this Service are provided "as is" and for informational purposes only. We make no representations or warranties that the Service will be suitable for your needs, is complete, timely, reliable, or free from errors, inaccuracies, or typographical mistakes. We disclaim all warranties, express or implied, including warranties of merchantability or fitness for a particular purpose and non-infringement of the rights of others. We do not warrant that the Service will be free of errors or viruses, worms, or other destructive or harmful code.
IN NO EVENT SHALL QUOTELAB, LLC, ANY OF OUR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, OR CONTRACTORS OR SERVICE PROVIDERS (COLLECTIVELY, THE "PROTECTED ENTITIES") BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES ARISING FROM, OR DIRECTLY OR INDIRECTLY RELATED TO, THE USE OF, OR THE INABILITY TO USE, THE SERVICE OR THE CONTENT, MATERIALS, AND FUNCTIONS RELATED THERETO, INCLUDING, WITHOUT LIMITATION, LOSS OF REVENUE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION (WHETHER IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, OR OTHERWISE) EXCEED FIVE DOLLARS ($5.00). THE ABOVE LIMITATION MAY NOT APPLY IN ALL JURISDICTIONS OR TO ALL USERS. IF YOU ARE NOT IN AGREEMENT WITH THE FOREGOING, YOUR SOLE REMEDY IS TO TERMINATE THIS AGREEMENT AND DISCONTINUE USE OF THE SERVICE.
PLEASE READ THE FOLLOWING ARBITRATION AGREEMENT CAREFULLY BECAUSE THEY REQUIRE YOU AND QUOTELAB TO AGREE TO RESOLVE ALL CLAIMS AND DISPUTES BETWEEN US THROUGH BINDING INDIVIDUAL ARBITRATION, EXCEPT FOR EXCLUDED DISPUTES AS DETAILED BELOW, INSTEAD, YOU WILL HAVE A HEARING BEFORE A NEUTRAL ARBITRATOR.
You and QuoteLab agree that all claims and disputes (whether contract, tort, or otherwise), including all statutory claims and disputes, arising out of or relating to these Terms or the use of the Service that cannot be resolved by the parties will be resolved by binding arbitration on an individual basis (“covered disputes”), except that You and QuoteLab are not required to arbitrate any dispute in which either party seeks equitable relief for the alleged unlawful use of copyrights, trademarks, trade names, logos, trade secrets, patents or other Confidential Information (“excluded disputes”). For clarity, the phrase “all claims and disputes” also includes claims and disputes that arose between You and QuoteLab before the effective date of these Terms.
You and QuoteLab further agree that the determination of the scope, enforceability, or applicability of this dispute resolution provision, including, but not limited to, any claim or dispute or any part thereof of this dispute resolution provision is void or voidable, whether a claim is subject to arbitration, and any dispute regarding payment of administrative fees or arbitrator fees (including the timing of such payments and remedies for non-payment) will be resolved exclusively by final arbitration in accordance with this dispute resolution provision.
As stated in Applicable Laws and Venue below, California law applies to any arbitration under these Terms, but you and QuoteLab acknowledge and agree that the Federal Arbitration Act governs the interpretation and enforcement of this dispute resolution provision. Arbitration will be initiated through the American Arbitration Association (“AAA”) and will be governed by the AAA Consumer Arbitration Rules and, if appropriate, the Supplementary Rules for Multiple Case Filings) (“AAA Arbitration Rules”). For information about arbitration, the AAA Arbitration Rules, and the arbitration process, please consult the AAA website at adr.org. If the AAA is not available to arbitrate, the parties will select an alternative arbitral forum. The rules of the arbitral forum will govern all aspects of this arbitration, except to the extent those rules conflict with these Terms. The arbitration will be conducted by a single neutral arbitrator. Unless you and QuoteLab agree in writing, any claims or disputes where the total amount sought is less than $10,000 USD will be resolved through binding non-appearance-based arbitration. For claims or disputes where the total amount sought is $10,000 USD or more, the right to a hearing will be determined by the arbitral forum’s rules. Any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
If non-appearance arbitration is applicable or otherwise later elected, the arbitration will be conducted by telephone, online, written submissions, or any combination of the three; the specific manner will be as mutually agreed to by each party. The arbitration will not involve any personal appearance by the parties or witnesses unless the parties mutually agree otherwise. Unless you and QuoteLab agree otherwise in writing, any in person hearings will take place (i) in a location to be determined in accordance with the AAA Arbitration Rules that is reasonably convenient for you and is no more than 100 miles from your home or place of business; or (ii) at another location you and QuoteLab agree upon.
Each party’s responsibility to pay any expenses, hearing fees, and arbitrator compensation shall be as detailed in the AAA Arbitration Rules, except that if the arbitrator finds at any time that a claim was filed frivolously, for purposes of harassment, or otherwise in bad faith, then the filing party will reimburse the other party for all costs and fees, including attorneys’ fees, associated with that claim.
All issues are for the arbitrator to decide, except that issues relating to applicable law and venue and the scope, application, enforceability of this dispute resolution provision - including whether any claims and disputes are covered disputes or excluded disputes within the meaning of this provision – are for the court to decide. The dispute will not be consolidated with any other matters or joined with any other cases or parties. The arbitrator will have the authority to grant motions dispositive of all or part of any claim or dispute. The arbitrator will have the authority to award monetary damages and to grant any non-monetary remedy or relief available to an individual under law, the arbitral forum’s rules, and these Terms and only to the extent necessary to provide relief warranted by that party’s individual claim. The arbitrator will issue a written award and statement of decision describing the essential findings and conclusions on which the award is based, including the calculation of any damages awarded. The arbitrator has the same authority to award relief on an individual basis that a judge in a court of law would have. The award of the arbitrator is final and binding upon You and QuoteLab.
This arbitration agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies, and, if the law allows, they can seek relief against us for you.
Dispute Resolution Process. Prior to initiating arbitration for a covered dispute, each party agrees that they will provide written notice of the potential claim to the other party setting forth: (1) the factual and legal basis for the claim; (2) contact information for the potential claimant (including their first and last name, email address, email address they used in relation to our products and services, and address) and their counsel, if any; and (3) the remedies sought, including the amount of claimed monetary damages (the “notice”). Such written notice shall be provided on an individualized basis. Following receipt of the notice by the other party, each party agrees to make a good faith effort for at least 60 days to resolve the dispute before resorting to more formal means of resolution, including, without limitation, arbitration or any court action. To provide notice to QuoteLab, write to legal@mediaalpha.com or, QuoteLab, Attn: Legal Department, 700 S. Flower St., Suite 640, Los Angeles, CA 90017.
The aforementioned informal dispute resolution process is a prerequisite and condition precedent to commencing any formal dispute resolution proceeding. The parties agree that any relevant limitations period and filing fees or other deadlines will be tolled while the parties engage in this informal dispute resolution process.
WAIVER OF RIGHT TO GO TO COURT AND TRIAL BY JURY. FOR COVERED DISPUTES, YOU AND QUOTELAB WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY. You and QuoteLab are instead electing to have all claims and disputes for covered disputes resolved by arbitration. Arbitration procedures are typically more limited, more efficient, and less costly than rules applicable in court and are subject to very limited review by a court. FOR EXCLUDED DISPUTES AND ANY OTHER LITIGATION BETWEEN YOU AND QUOTELAB (INCLUDING OVER WHETHER TO VACATE OR ENFORCE AN ARBITRATION AWARD), YOU AND QUOTELAB WAIVE ALL RIGHTS TO A JURY TRIAL, AND ELECT INSTEAD TO HAVE THE DISPUTE BE RESOLVED BY A JUDGE.
WAIVER OF CLASS ACTIONS. YOU AND QUOTELAB AGREE THAT EACH PARTY MAY BRING DISPUTES RELATING TO BOTH COVERED DISPUTES AND EXCLUDED DISPUTES AGAINST THE OTHER PARTY ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING, INCLUDING, WITHOUT LIMITATION, A FEDERAL OR STATE CLASS ACTION LAWSUIT OR A CLASS ARBITRATION. THIS MEANS YOU AND QUOTELAB AGREE THAT ALL CLAIMS AND DISPUTES WITHIN THE SCOPE OF THIS ARBITRATION AGREEMENT MUST BE ARBITRATED OR LITIGATED ON AN INDIVIDUAL BASIS AND NOT ON A CLASS BASIS. EACH PARTY FURTHER AGRESS THAT CLAIMS AND DISPUTES OF MORE THAN ONE PERSON OR USER CANNOT BE ARBITRATED OR LITIGATED JOINTLY OR CONSOLIDATED WITH THOSE OF ANY OTHER PERSON OR USER. If there is a final judicial determination that applicable law precludes enforcement of this paragraph’s limitations as to a particular remedy, then that remedy (and only that remedy) must be severed from the arbitration and may be sought in court. The parties agree, however, that any adjudication of remedies not subject to arbitration shall be stayed pending the outcome of any arbitrable claims and remedies. This subsection does not prevent you or us from participating in a class-wide settlement of claims.
Notwithstanding the foregoing, an arbitrator may consolidate more than one person’s claims if we provide express written consent to such consolidation.
If a court decides that applicable law precludes enforcement of any of the terms of this arbitration agreement including limitations as to a particular claim for relief or request for relief (such as a request for public injunctive relief, that neither you nor we are entitled to arbitration, or that the waiver of class or consolidated actions is deemed invalid or unenforceable), and all appeals have been exhausted or the decision is otherwise final, then the parties agree that such a claim or request for relief shall be decided by a court as set forth in the Applicable Laws and Venue section below only after all other claims and requests for relief are arbitrated.
Any rights and limitations set forth in this arbitration agreement may be waived by the party against whom the claim is asserted. Such waiver will not waive or affect any other portion of this arbitration agreement.
This arbitration agreement will survive the termination of your relationship with QuoteLab including the termination of these Terms.
Our Service and these Terms are governed by the laws of the State of California without giving effect to any principles of conflict of laws. If any provision of these Terms shall be held to be invalid, illegal, or unenforceable, the remaining provisions shall not in any way be affected or impaired thereby. If for any reason any dispute arising under these Terms or from your use of our Service is permitted to be brought in state or federal court, the dispute shall be brought exclusively in the appropriate state or federal courts of the State of California. Persons who choose to access our Service from other locations do so on their own initiative, and are responsible for compliance with local laws, if and to the extent local laws are applicable. Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of our Service or these Terms must be filed within one (1) year after such claim or cause of action arose or be forever barred.
These Terms are subject to change from time to time and at any time. Changes to these Terms are effective immediately when we post them. We encourage you to periodically read these Terms for any updates. Your continued use of the Service after an update is posted means that you have accepted the changed terms.
Any questions, comments, suggestions, or materials submitted to us through the Service will become our sole property. We will own all rights in such materials, and have the unrestricted right to use, publish and otherwise disseminate such information for any purpose, without attribution or compensation.
Neither party will be liable for failure or delay in performing its obligations because of causes beyond its reasonable control, including without limitation acts of God, terrorism, war, riots, fire, earthquake, flood or degradation or failure of third-party networks or communications infrastructure.
Notices must be in writing and will be deemed given when (a) delivered personally, (b) sent by email, if to us to info@quotelab.com, and if to you to the specified email address you have provided to us.