Terms of Service

1. Nature of the Platform

Quote Bridge operates as a referral platform only.

Quote Bridge is not:

• An insurance agency
• An insurance broker or producer
• A carrier or underwriter
• A seller of insurance

Quote Bridge does not negotiate, solicit, bind, place, or service insurance policies. Its role is limited to facilitating a structured process through which consumers may submit quote requests and, if they choose, be put in contact with licensed insurance agents.

2. Missouri Licensing & Regulatory Alignment

Insurance activity in the State of Missouri is regulated by the Missouri Department of Commerce and Insurance.

Quote Bridge:

• Does not act as an insurance producer under Missouri law
• Does not provide insurance advice, counseling, or recommendations
• Does not receive authority to act on behalf of any insurer or consumer

All insurance-related discussions, quoting, suitability determinations, recommendations, and sales activities are performed solely by insurance agents licensed in Missouri or other applicable jurisdictions, acting independently.

3. Eligibility to Use the Website

By using this website, you represent and agree that you:

• Are at least 18 years of age
• Are legally capable of entering into binding agreements
• Will provide accurate and truthful information

Quote Bridge reserves the right to restrict or terminate access for misuse, misrepresentation, or unlawful activity.

4. No Insurance Advice, Solicitation, or Guarantees

Nothing on this website constitutes:

• Insurance advice
• A recommendation of coverage
• A solicitation to purchase insurance
• A guarantee of availability, pricing, or eligibility

Submitting a quote request does not guarantee that you will receive quotes, contact from any agent, or coverage, and does not obligate you to purchase insurance.

5. User Responsibilities

You agree to:

• Provide accurate, current information
• Use the website for lawful purposes only
• Not interfere with site functionality or security

Any decision to engage with a licensed insurance agent is voluntary and made at your sole discretion.

6. Information Use & Privacy

Your use of the website is governed by the Quote Bridge Privacy Policy. By using the website, you consent to the collection, use, and sharing of information as described in that policy.

Quote Bridge does not sell personal information.

7. Third-Party Agents & Services

Quote Bridge may facilitate introductions to licensed insurance agents and may use third-party vendors for hosting, analytics, or technical services.

Quote Bridge:

• Does not supervise or control licensed agents
• Is not responsible for agent conduct, advice, or services
• Is not a party to any insurance transaction

Any agreement or transaction entered into with a licensed agent is solely between you and that agent.

8. Limitation of Liability

To the fullest extent permitted under Missouri law, Quote Bridge shall not be liable for damages arising from:

• Use of or inability to use the website
• Interactions with licensed insurance agents
• Insurance quotes, coverage discussions, or policy outcomes
• Unauthorized access to or misuse of information

Use of this website is at your own risk.

9. Disclaimer of Warranties

The website and services are provided on an "as is" and "as available" basis. Quote Bridge disclaims all warranties, express or implied.

10. Suspension or Termination

Quote Bridge may suspend or terminate access to the website at any time, without notice, for conduct that violates these Terms or applicable law.

11. Modifications to Terms

Quote Bridge may update these Terms from time to time. Updates will be reflected by revising the "Last Updated" date. Continued use of the website constitutes acceptance of the revised Terms.

12. Governing Law & Venue

These Terms are governed by the laws of the State of Missouri. Any dispute shall be resolved exclusively in the appropriate state or federal courts located in Missouri.

13. Contact Information

If you have questions regarding these Terms, please contact:

Quote Bridge

Email: [email protected]