Terms and Conditions

1. Acceptance of Terms

Welcome to our website. This document, along with our Privacy Policy (collectively, the "User Agreement"), governs your use of our services provided through Sky Leads LLC's website, which includes all content, tools, and services available on this site. To use our website, you must be at least 18 years of age and a legal resident of the United States, including its territories. By accessing or using any part of our website, directly or indirectly, or utilizing any tools, forms, or services we offer, you are agreeing to this User Agreement. IMPORTANT: This User Agreement includes mandatory arbitration of disputes, a ban on class and representative actions, and disclaimers of warranties and liability (See Sections 5 and 8). These are fundamental elements of our agreement with you. If you do not agree to these terms, please refrain from using our website. "You" refers to anyone using our website or services, including those acting on behalf of an entity.

We reserve the right to modify or discontinue any aspect of our website and to change these terms at any time. Such changes will be effective immediately upon posting. Regularly check for updates to stay informed. Your continued use of the website after any changes implies your acceptance of the new terms.

2. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy, which is incorporated into this User Agreement, to understand our practices. By using our website, you consent to the collection, use, and sharing of your information as outlined in the Privacy Policy.

3. Service Description

Our website offers tools and services to assist you in finding insurance coverage, provided by third-party insurers ("Insurers"). These services are meant to connect you with Insurers for potential insurance quotes or offers. However, we are not insurance providers or brokers and do not make decisions regarding insurance underwriting or offerings. We may receive compensation from Insurers for our services. Your use of our website implies your agreement with this compensation model.

The information on our website does not constitute an insurance guarantee or commitment. Insurance plans are subject to the terms of the specific policy issued. For details on a policy, please contact us directly.

The data you provide is not considered an insurance application. We do not guarantee acceptance into any insurance program or specific terms with any Insurer. The rates and offers from Insurers may vary and are subject to approval and qualification.

By submitting your contact information, you consent to receive communications from us and up to eight companies in various forms, including calls, emails, and texts, even if you are on a Do Not Call registry. You can withdraw your consent at any time.

Our website aims to provide multiple insurance quotes through our network of Insurers. By submitting a request, you authorize us to share your information with Insurers and verify its accuracy.

4. Intellectual Property and Usage Rights

You are granted a limited, non-exclusive right to use the content of our website for personal, non-commercial purposes. The website contains copyrighted material and trademarks that are the property of Sky Leads LLC or its affiliates. You may not reproduce, transmit, or exploit any content from our website without our express written permission.

5. Disclaimers and Limitation of Liability

The information on our website is provided "as is" without any warranties. We are not liable for any damages arising from your use of our website or services. It is your responsibility to evaluate the accuracy and completeness of the information available on our website.

6. Indemnification

You agree to indemnify and hold harmless Sky Leads LLC and its affiliates against any claims arising from your use of our website or violation of this User Agreement.

7. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the content or accuracy of these external sites.

8. Arbitration Agreement

Any disputes related to your use of our services will be resolved through binding arbitration, not in court, except for claims in small claims court. This arbitration agreement is governed by the Federal Arbitration Act.

9. International Use

Our services are provided from the United States. By using our website, you consent to the transfer and processing of your information in the United States.

10. Entire Agreement

This User Agreement constitutes the entire agreement between you and Sky Leads LLC regarding our website and supersedes all prior agreements. Continued use of the website indicates acceptance of these terms.

11. Copyright and Intellectual Property Infringement

We respect the intellectual property rights of others and expect our users to do the same. If you believe that your work has been infringed upon, please contact us with the necessary information for a DMCA notice.

12. Consent to Voice Recording and Monitoring

You consent that Sky Leads LLC may record or monitor oral communications during any calls made to our company as allowed by law. This consent is provided for the purposes outlined in our Privacy Policy.

13. Health Information Disclaimer

The health information provided on our website is for informational purposes only and is not a substitute for professional medical advice. Always consult with your physician for health-related decisions.

14. User Content Policy

Sky Leads LLC provides this website as a benefit to its users and strives to make this online forum safe for all users. Sky Leads LLC has developed the following policies regarding the removal of user content from this website. As a user of this website, you agree to follow and to be bound by these policies.

Sky Leads LLC may remove content it deems, in its sole discretion, to be inappropriate, harmful, or violates the rights of others from this website including, but not limited to:

- Content that threatens or promotes injury to others or self.

- Content that threatens or promotes violence to any person or property.

- Content that threatens or promotes criminal conduct or unlawful activity.

- Content used to harass, bully, blackmail, or disparage another.

- Content containing hate speech.

- Content containing nudity or graphic depictions of sex or violence.

- Content that is harmful to this website, to this online forum, to Sky Leads LLC, or to the goodwill associated with any of Sky Leads LLC's trademarks.

- Content that violates the rights of another, including, without limitation, contractual rights, intellectual property rights, and rights of publicity and privacy.

Sky Leads LLC encourages users to notify it of content that may be inappropriate or harmful. In fact, a user may notify Sky Leads LLC of potentially inappropriate or harmful content by contacting the Compliance Department at compliance@skyleadsllc.com.

15. Products and Services Provided by Third Parties

Sky Leads LLC connects individuals with insurance providers and is not an insurance or operating company. Therefore, products and services are provided exclusively by or through the insurance providers and not Sky Leads LLC.

16. Products and Services Descriptions Not Available in All States

The products and services descriptions provided by Sky Leads LLC are for informational purposes only and are subject to change. Some products and services may not be available in all jurisdictions. Anyone interested in a particular product or service should call 1-307-800-9011 to determine eligibility and to request a copy of the applicable policy or other plan documents for a complete description of the product.

17. Trademarks

There are references throughout the website to various trademarks or service marks and these, whether registered or not, are the property of their respective owners. The registered marks and other Sky Leads LLC marks are owned by Sky Leads LLC.