Last Updated: April 14, 2025

Terms of Use Agreement

THIS TERMS OF USE AGREEMENT INCLUDES AN ARBITRATION AGREEMENT, JURY TRIAL WAIVER, AND A CLASS ACTION WAIVER THAT AFFECT YOUR RIGHTS. PLEASE SEE THE DISPUTE RESOLUTION SECTION FOR MORE INFORMATION.
You are visiting a website owned by Quotejoy. This Terms of Use Agreement (“Agreement”) applies to all websites owned or operated by Quotejoy, and its affiliates and subsidiaries (“Websites” or each individually “Website”) on which this Agreement or a link thereto is displayed. This Agreement also applies to your use of any goods, facilities, or services offered through the Websites (collectively “Services”), regardless of where or how they are accessed, including but not limited to via a desktop computer or mobile device. It is important that you read the entire Agreement carefully as some provisions affect your legal rights. The Agreement includes an agreement to resolve any disputes between you and us through binding arbitration, a class action waiver, as well as other important disclaimers, warranties, and limitations on liability.
By accessing, browsing, or using the Websites, you acknowledge that you have read, fully understand, and agree to the terms of this Agreement, as well as our Privacy Policy, which is incorporated into this Agreement by reference, as well as any other policy, agreement, or terms incorporated into this Agreement by reference as outlined below.

For purposes of this Agreement:

“You” or “your” means the person(s) using the Websites and/or Services, and any person(s) for whom such person(s) are acting as an agent with respect to the Websites and/or Services.
“Quotejoy,” “us,” “our,” or “we” includes Quotejoy, and any of its affiliates or subsidiaries.
“Provider(s)” includes, but may not be limited to, banks, lenders, financial institutions, insurers, service providers, real estate companies, dealers, agents, brokers, and other entities that partner with Lending Tree and offer, solicit, arrange, or broker products or services through the Websites.
“Qualification Form” refers to your request to be matched with one or more Providers of any of the products and services that you may be inquiring into through Lending Tree’s Websites.
We reserve the right, at our sole discretion, to change or modify the Websites or this Agreement (or any portion thereof) at any time. Such changes and modifications become effective immediately upon posting on the Websites. You agree to review this Agreement for any such change upon your use of the Websites and that your continued use of the Websites or Services constitutes your acceptance of such changes and modifications. The Websites and Services are intended for individuals at least 18 years old and accessing the internet from a physical location within the United States. By using or accessing the Websites or Services, you acknowledge that you are at least 18 years old and accessing the internet from a physical location within the United States.
Some Services are subject to additional terms and conditions we make available to you in connection with the same, which may include usage policies and eligibility requirements, such as certain age or geographic restrictions (collectively, “Additional Terms”). By using our Services, you agree to and are bound by any such Additional Terms, and such Additional Terms are incorporated herein and made a part hereof by this reference. To the extent any Additional Terms conflict with this Agreement, the Additional Terms shall control for that specific instance of conflict.

Privacy Policy

Our Privacy Policy, incorporated into this Agreement by reference, explains how we use, disclose, and protect your information as part of our Services and technology platforms. If you are a California, Oregon, or Minnesota resident, our State Law Privacy Notice, which supplements our Privacy Policy and is incorporated into this Agreement by reference, also applies to your use of our Websites and Services.

As outlined in our Privacy Policy , by providing us with personal information as part of your use of our Websites or Services, you agree that we may retain all such information for the purposes and uses listed and that we may share your information with certain affiliates, non-affiliates, and other third parties. You acknowledge that certain state and federal laws may require us to securely store and maintain information you provide and that such information may not be able to be deleted, removed, purged, or destroyed until the expiration of certain prescribed retention periods or at all.

As a licensed entity, Quotejoy is periodically examined by government regulators and as such is required to maintain certain personal information to adhere to and demonstrate compliance with certain laws and regulations. After you are matched with a Provider, your information may also be obtained from Providers to adhere to and demonstrate compliance with various regulatory reporting and record retention requirements. You authorize Quotejoy and its participating Providers to share such information as required.

Consumer Information Security Policy

Our Consumer Information Security Policy, incorporated into this Agreement by reference, explains measures we take to protect your information and describes ways we implement those measures for different types of information you may provide to us.

Electronic Communications/Notices and Information Delivered Electronically

Our Consent Agreement for Electronic Disclosures and Communications, incorporated into this Agreement by reference, explains your agreement to receive all current and future notices, disclosures, and other communications electronically, and to do business with us and our Providers electronically.

Ownership Rights

All text, graphics, photographs, videos, sound, trademarks, logos, artwork, interfaces, data, and computer code, including but not limited to the design, coordination, look and feel and arrangement of elements contained on the Websites (collectively Content) is owned or licensed by or to Quotejoy. The Content is protected by trademark, copyright, and patent laws, and other intellectual property rights and unfair competition laws. Except as expressly stated herein, no part of the Websites, Content, or Services may be copied, reproduced, republished, uploaded, posted, publicly displayed, encoded, aggregated, indexed, transmitted, distributed, or otherwise exploited in any way, including through the use of framing, scraping, web crawlers, spidering, or any other automated means, or for any commercial purpose or enterprise, without Quotejoy prior express written permission. Nothing on the Websites or Services should be construed as granting any license or right to use any Content. Quotejoy reserves any and all rights in and to Websites, Content, and Services not expressly granted to you under this Agreement. You further agree to abide by any and all exclusionary protocols (e.g., Robot.txt, Automated Content Access Protocol (ACAP), etc.) that may be used in connection with the Websites, Content, or Services.

Code of Content

You are solely responsible for your conduct in connection with the Services.
You must not:
Alter, delete, or conceal any copyright, trademark, service mark, or other notice contained on the Websites, Content, and/or Services, and/or modify, reverse engineer, decompile, or disassemble any part of the same, whether in whole or in part, or create any derivative works from any part of the Websites, Content, and/or Services, or encourage, assist, or authorize any third party in doing so;
Engage in or encourage conduct that (1) would violate any applicable law or violate or infringe upon any intellectual property, proprietary, privacy, moral, publicity, or other rights of ours or of any other third party; (2) affects adversely or reflects negatively on Quotejoy, its affiliates, the Websites, Content, Services, our goodwill, name, or reputation or causes duress, distress, or discomfort to us or anyone else; and/or (3) discourages any person or entity from using all or any portion, features, or functions of the Websites, Content, or Services, or from advertising, linking, or becoming a Provider to us;
modify, disrupt, impair, alter, or interfere with the use, features, function, operation, or maintenance of the Websites, Content, or Services or the rights, use, or enjoyment of the same by any other user;
impersonate any person or entity or falsely state or otherwise represent your affiliation with a person or entity;
solicit passwords or personally identifiable information for commercial or unlawful purposes from other users of the Websites, Content, or Services;
access or use the Websites, Content, or Services or any element(s) thereof, in whole or in part, (1) to train any artificial intelligence and/or machine learning platforms, systems, applications, models, or algorithms (whether via the development or modification of a dataset, scraping, or reproducing content or data (or any caches or archives thereof), feature extraction methodologies or otherwise); or (2) in connection or combination with any data, information, content, and/or materials generated or developed by, with, or resulting from the use of any artificial intelligence and/or machine learning platforms, systems, applications, models, or algorithms, in each case, without the express, prior written consent of Quotejoy (which may be withheld in Lending Trees sole and absolute discretion);
engage in spamming, flooding, or harvesting of email addresses or other personal information; and/or
engage in or facilitate spidering, screen scraping, phishing database scraping, web site crawling, indexing, data extraction, or any other similar activity on, though, or in connection with the Websites, Content, or Services for any purpose.

Ratings and Reviews and User-Generated Content

The terms of our Ratings & Reviews and User-Generated Content policy, incorporated into this Agreement by reference, outlines the terms that govern your conduct associated with any user-generated content posted to any Website or Quotejoy-owned social media property and Quotejoy customer ratings and reviews service.

Copyright Violations

If you believe the Content infringes your copyrights or applicable law, please contact us at help@quotejoy.com with the following information:
a description of the copyrighted work that you claim has been infringed;
a description of where the material that you claim is infringing is located;
your email address or other contact information that is sufficient for us to contact you;
a statement by you that you in good faith believe that the disputed use is not authorized by the copyright owner, its agent, or the law; and
a statement by you that the above information in your notice is accurate and that you are the copyright owner or authorized to act on behalf of the owner.

Chatbots

We may use a chatbot on certain Websites to help provide customer service and support, including through the use of a virtual assistant (Chatbot). The Chatbot is designed to work without the assistance of a human operator. It responds to questions posed to it in natural language using a combination of pre-programmed scripts, machine learning, and generative artificial intelligence (AI). When asked a question, the Chatbot will answer using the knowledge database that is currently available to it. If the conversation introduces a concept the chatbot is not programmed to understand, it will advise of its limitations. The Chabot functionality is limited to Quotejoy customer service and support inquiries. By using the Chatbot, you agree that (1) your use of the Chatbot will be limited to Quotejoy customer service and support inquiries, and (2) we may use transcripts of your interactions with the Chatbot and the information you provide to the Chabot for quality control, customer service, fraud prevention, and security.
You shall at all times exercise reasonable care in using the Chatbot, and shall use the Chatbot in strict accordance with (1) this Agreement, our Privacy Policy, the Ratings & Reviews and User-Generated Content policy, and any other applicable Additional Terms; (2) any usage policies made available by Quotejoy, including those set forth under the Code of Conduct above; and (3) all applicable laws, rules, and regulations. You are responsible for the information you share with the Chatbot, and should not input sensitive or personal information, such as financial or account details or other confidential information. By using the Chatbot, you agree not to input such sensitive or confidential information.
By using the Chatbot, you acknowledge that you are interacting with AI. We continually work to improve the Chatbot to make it more accurate, reliable, safe, and beneficial, but given the probabilistic nature of machine learning and AI, use of the Chatbot may generate or result in inappropriate, inaccurate, or unreliable responses. You are solely responsible for evaluating any information, content, responses, or other output generated by or through the Chatbot (collectively, Output) and the accuracy thereof, including through independent human review of such Output. Without limiting the generality of the terms under Disclaimers and Liability below, we cannot and do not represent, warrant, or guarantee the accuracy, reliability, or suitability of any Output. You acknowledge and agree that Quotejoy and the Quotejoy Parties (as defined below) shall not be liable for any loss or damage caused by or resulting from your reliance on any Output or the content of your communications with the Chatbot. To the extent any Output contains information on any specific product, service, or partner, you acknowledge and understand that the Websites and Services (and as a result, the Chatbot) do not include all products, services, offers, issuers, or credit or service providers available in the marketplace. Additionally, products, services, and offers that may appear in any Output may be from companies from whom Quotejoy receives compensation. Your use of the Chatbot constitutes your awareness and acknowledge of this compensation and the limitation of products, services, and offers displayed or presented on or via the Websites or Services. If you have any inquiries regarding your interaction with the Chatbot or any Output, please reach out to us at help@quotejoy.com.

Last Updated: April 14, 2025
Terms of Use Agreement

THIS TERMS OF USE AGREEMENT INCLUDES AN ARBITRATION AGREEMENT, JURY TRIAL WAIVER, AND A CLASS ACTION WAIVER THAT AFFECT YOUR RIGHTS. PLEASE SEE THE DISPUTE RESOLUTION SECTION FOR MORE INFORMATION.

You are visiting a website owned by Quotejoy. This Terms of Use Agreement (Agreement) applies to all websites owned or operated Quotejoy and its affiliates and subsidiaries (Websites or each individually Website) on which this Agreement or a link thereto is displayed. This Agreement also applies to your use of any goods, facilities, or services offered through the Websites (collectively Services), regardless of where or how they are accessed, including but not limited to via a desktop computer or mobile device. It is important that you read the entire Agreement carefully as some provisions affect your legal rights. The Agreement includes an agreement to resolve any disputes between you and us through binding arbitration, a class action waiver, as well as other important disclaimers, warranties, and
limitations on liability.

By accessing, browsing, or using the Websites, you acknowledge that you have read, fully understand, and agree to the terms of this Agreement, as well as our Privacy Policy , which is incorporated into this Agreement by reference, as well as any other policy, agreement, or terms incorporated into this Agreement by reference as outlined below.

For purposes of this Agreement:

• You or your means the person(s) using the Websites and/or Services, and any person(s) for whom such person(s) are acting as an agent with respect to the Websites and/or Services.
• Quotejoy, us our, or we includes Quotejoy, and any of its affiliates or subsidiaries.
• Provider(s) includes, but may not be limited to, banks, lenders, financial institutions, insurers, service providers, real estate companies, dealers, agents, brokers, and other entities that partner with Quotejoy and offer, solicit, arrange, or broker products or services through the Websites.
• Qualification Form refers to your request to be matched with one or more Providers of any of the products and services that you may be inquiring into through Quotejoy Websites.
  

Qualification Form refers to your request to be matched with one or more Providers of any of the products and services that you may be inquiring into through Quotejoy Websites.

Some Services are subject to additional terms and conditions we make available to you in connection with the same, which may include usage policies and eligibility requirements, such as certain age or geographic restrictions (collectively, Additional Terms). By using our Services, you agree to and are bound by any such Additional Terms, and such Additional Terms are incorporated herein and made a part hereof by this reference. To the extent any Additional Terms conflict with this Agreement, the Additional Terms shall control for that specific instance of conflict.

Privacy Policy

Our Privacy Policy , incorporated into this Agreement by reference, explains how we use, disclose, and protect your information as part of our Services and technology platforms. If you are a California, Oregon, or Minnesota resident, our State Law Privacy Notice, which supplements our Privacy Policy and is incorporated into this Agreement by reference, also applies to your use of our Websites and Services.

As outlined in our Privacy Policy , by providing us with personal information as part of your use of our Websites or Services, you agree that we may retain all such information for the purposes and uses listed and that we may share your information with certain affiliates, non-affiliates, and other third parties. You acknowledge that certain state and federal laws may require us to securely store and maintain information you provide and that such information may not be able to be deleted, removed, purged, or destroyed until the expiration of certain prescribed retention periods or at all.

As a licensed entity, Quotejoy is periodically examined by government regulators and as such is required to maintain certain personal information to adhere to and demonstrate compliance with certain laws and regulations. After you are matched with a Provider, your information may also be obtained from Providers
to adhere to and demonstrate compliance with various regulatory reporting and record retention requirements. You authorize Quotejoy and its participating Providers to share such information as required. To the extent permitted by applicable law, you also agree and acknowledge that Providers may be
required to share information you submit to them with LendingTree in order to adhere to applicable laws and Providers and Quotejoy may maintain and share information provided by you and about you by third parties for internal marketing and analytics.

Consumer Information Security Policy

Our Consumer Information Security Policy, incorporated into this Agreement by reference, explains measures we take to protect your information and describes ways we implement those measures for different types of information you may provide to us.

Electronic Communications/Notices and Information Delivered Electronically

Ou Consent Agreement for Electronic Disclosures and Communications, incorporated into this Agreement by reference, explains your agreement to receive all current and future notices, disclosures, and other communications electronically, and to do business with us and our Providers electronically.

Ownership Rights

All text, graphics, images, videos, audio, trademarks, logos, artwork, data, software, and other materials on the Websites (“Content”) are owned by or licensed to Quotejoy and protected by intellectual property laws.

Except as expressly permitted, you may not copy, reproduce, republish, upload, post, display, transmit, distribute, scrape, crawl, index, frame, or otherwise use any part of the Websites, Content, or Services without Quotejoy’s prior written consent.

Nothing on the Websites or Services grants you any ownership, license, or right to use the Content. All rights not expressly granted are reserved by Quotejoy.

You also agree to comply with any access restrictions or exclusion protocols, including robots.txt and similar standards, used in connection with the Websites, Content, or Services.

Code of Content

Alter, delete, or conceal any copyright, trademark, service mark, or other notice contained on the Websites, Content, and/or Services, and/or modify, reverse engineer, decompile, or disassemble any part of the same, whether in whole or in part, or create any derivative works from any part of the Websites, Content, and/or Services, or encourage, assist, or authorize any third party in doing so;
Engage in or encourage conduct that (1) would violate any applicable law or violate or infringe upon any intellectual property, proprietary, privacy, moral, publicity, or other rights of ours or of any other third party; (2) affects adversely or reflects negatively on Quotejoy, its affiliates, the Websites, Content, Services, our goodwill, name, or reputation or causes duress, distress, or discomfort to us or anyone else; and/or (3) discourages any person or entity from using all or any portion, features, or functions of the Websites, Content, or Services, or from advertising, linking, or becoming a Provider to us;
modify, disrupt, impair, alter, or interfere with the use, features, function, operation, or maintenance of the Websites, Content, or Services or the rights, use, or enjoyment of the same by any other user;
impersonate any person or entity or falsely state or otherwise represent your affiliation with a person or entity;
solicit passwords or personally identifiable information for commercial or unlawful purposes from other users of the Websites, Content, or Services;
access or use the Websites, Content, or Services or any element(s) thereof, in whole or in part, (1) to train any artificial intelligence and/or machine learning platforms, systems, applications, models, or algorithms (whether via the development or modification of a dataset, scraping, or reproducing content or data (or any caches or archives thereof), feature extraction methodologies or otherwise); or (2) in connection or combination with any data, information, content, and/or materials generated or developed by, with, or resulting from the use of any artificial intelligence and/or machine learning platforms, systems, applications, models, or algorithms, in each case, without the express, prior written consent of Quotejoy (which may be withheld in Quotejoy sole and absolute discretion);
engage in spamming, flooding, or harvesting of email addresses or other personal information; and/or
engage in or facilitate spidering, screen scraping, phishing, database scraping, web site crawling, indexing, data extraction, or any other similar activity on, through, or in connection with the Websites, Content, or Services for any purpose.

Ratings and Reviews and User-Generated Content

The terms of our Ratings & Reviews and User-Generated Content policy, incorporated into this Agreement by reference, outlines the terms that govern your conduct associated with any user-generated content posted to any Website or Quotejoy-owned social media property and Quotejoy customer ratings and reviews service.

Copyright Violations

If you believe the Content infringes your copyrights or applicable law, please contact us at help@quotejoy.com with the following information:
a description of the copyrighted work that you claim has been infringed;
a description of where the material that you claim is infringing is located;
your email address or other contact information that is sufficient for us to contact you;
a statement by you that you in good faith believe that the disputed use is not authorized by the copyright owner, its agent, or the law; and
a statement by you that the above information in your notice is accurate and that you are the copyright owner or authorized to act on behalf of the owner.

Chatbots

We may use a chatbot on certain Websites to help provide customer service and support, including through the use of a virtual assistant (Chatbot). The Chatbot is designed to work without the assistance of a human operator. It responds to questions posed to it in natural language using a combination of pre-programmed scripts, machine learning, and generative artificial intelligence (AI). When asked a question, the Chatbot will answer using the knowledge database that is currently available to it. If the conversation introduces a concept the chatbot is not programmed to understand, it will advise of its limitations. The Chabot functionality is limited to Quotejoy customer service and support inquiries. By using the Chatbot, you agree that (1) your use of the Chatbot will be limited to Quotejoy customer service and support inquiries, and (2) we may use transcripts of your interactions with the Chatbot and the information you provide to the Chabot for quality control, customer service, fraud prevention, and security.
You shall at all times exercise reasonable care in using the Chatbot, and shall use the Chatbot in strict accordance with (1) this Agreement, our Privacy Policy, the Ratings & Reviews and User-Generated Content policy, and any other applicable Additional Terms; (2) any usage policies made available by Quotejoy, including those set forth under the Code of Conduct above; and (3) all applicable laws, rules, and regulations. You are responsible for the information you share with the Chatbot, and should not input sensitive or personal information, such as financial or account details or other confidential information. By using the Chatbot, you agree not to input such sensitive or confidential information.
By using the Chatbot, you acknowledge that you are interacting with AI. We continually work to improve the Chatbot to make it more accurate, reliable, safe, and beneficial, but given the probabilistic nature of machine learning and AI, use of the Chatbot may generate or result in inappropriate, inaccurate, or unreliable responses. You are solely responsible for evaluating any information, content, responses, or other output generated by or through the Chatbot (collectively, Output) and the accuracy thereof, including through independent human review of such Output. Without limiting the generality of the terms under Disclaimers and Liability below, we cannot and do not represent, warrant, or guarantee the accuracy, reliability, or suitability of any Output. You acknowledge and agree that Quotejoy and the Quotejoy Parties (as defined below) shall not be liable for any loss or damage caused by or resulting from your reliance on any Output or the content of your communications with the Chatbot. To the extent any Output contains information on any specific product, service, or partner, you acknowledge and understand that the Websites and Services (and as a result, the Chatbot) do not include all products, services, offers, issuers, or credit or service providers available in the marketplace. Additionally, products, services, and offers that may appear in any Output may be from companies from whom Quotejoy receives compensation. Your use of the Chatbot constitutes your awareness and acknowledge of this compensation and the limitation of products, services, and offers displayed or presented on or via the Websites or Services. If you have any inquiries regarding your interaction with the Chatbot or any Output, please reach out to us at help@quotejoy.com.

Links to Third Party Websites

The Websites may contain links to websites maintained by non-affiliated third parties (Third Party Sites). Links to Third Party Sites are provided for your convenience and reference only. We do not operate or control in any respect any content, information, software, products, or services available on any Third Party Sites. Our inclusion of a link or reference to a Third Party Site does not constitute any endorsement or recommendation of the services or content available on the Third Party Site or any third party that is referenced on, owns, or operates the Third Party Site. Your use of any Third Party Site may be subject to other terms and conditions imposed by the third party maintaining that Third Party Site. When you leave the Websites, you agree that Quotejoy is not responsible for the services, content, or information provided on the Third Party Site, including but not limited to its quality, accuracy, reliability, availability, or suitability. Nor is Quotejoy responsible for any direct or indirect technical or system issue that may arise out of or relate in any way to your use of or access to third-party technologies or programs available through a Third Party Site.

Widgets

Generally, widgets are tools that may be placed on websites that allow website visitors to access and view content on or from another website. Widgets published by Quotejoy (Widgets) provide access to the Websites, Content, and Services from points outside the Websites. Widgets may be placed on third-party websites, including blogs and social media pages, and other similar platforms (to the extent permitted by such websites or platforms). Quotejoy prohibits the placement of Widgets on websites, platforms, or devices that contain content that is sexual, violent, offensive, discriminatory, misleading, deceptive, or illegal in nature or that in any way promotes or encourages hatred, violence, discrimination, or illegal activities, or is otherwise inappropriate as determined by Quotejoy in its sole discretion. You agree to use Widgets in a manner consistent with all applicable laws and solely for lawful purposes. You agree not to use Widgets for any other purpose, and nothing in this Agreement shall be deemed to grant you any right, title, or interest in the Widgets, Websites, Content, Services, or Quotejoy. Quotejoy reserves the right to remove or demand the removal of any Widget and/or revoke your right to use any Widget, for any reason and for any amount of time.
By accessing and using any Widget (including copying any Widget html code), you agree to the following:
You may only display the Widget on a website you own and operate and not in any other manner or in any other medium.
You may not modify any Widget. Without limitation, you may not change any code provided by Quotejoy, obscure or disable any element of any Widget, tag links to Quotejoy from the Widget with a no follow attribute or otherwise prevent or discourage search engines from following or scoring link.
Except for displaying the Widget, you agree not to make any representations, warranties (express or implied), or other statements concerning Quotejoy or the Websites, Content, Services, or Providers.
You may not display any Widget in any manner that implies affiliation with, or sponsorship or endorsement by, Quotejoy.
You must place the Widget on a page that is context-appropriate to the content of the Widget, and any reference to Quotejoy or its products and services must be accurate. For example, you may place a Widget on a webpage that contains discussion of personal finance, mortgages, or residential real estate.
You may not place a Widget on any site that:
contains content that is in any way unlawful, harmful, obscene, offensive, harassing, hateful, discriminatory, or otherwise objectionable in Quotejoy sole discretion;
disparages Quotejoy; the Websites, Content, or Services; or Providers or their products or services;
infringes any Quotejoy intellectual property or other rights; or
violates any applicable law.
You may not use data collected or otherwise obtained through Widgets, Websites, Content, or Services, whether directly or indirectly, for any unauthorized purpose, including but not limited to training any artificial intelligence and/or machine learning platforms, systems, applications, models, or algorithms (whether via the development or modification of a dataset, scraping, or reproducing content or data (or any caches or archives thereof), feature extraction methodologies or otherwise).
Quotejoy grants you a limited, non-transferable, non-assignable, non-exclusive, revocable right to (1) download and/or display a Widget solely in accordance with the terms of this Agreement; and (2) solely in connection with a Widget, display our logos, trademarks, trade names, and other content as displayed through the Widget. This Agreement does not grant you any right in any Quotejoy code, content, logo, or trademark beyond the limited permission to display a Widget granted herein. In its sole discretion, Quotejoy reserves the right at any time to change or modify Widgets or terminate or modify your permission to download or display Widgets. We may cease to return content from a Widget at any time in our sole discretion.
You acknowledge and agree that Quotejoy may crawl or otherwise monitor your website or utilize any other methods to detect and address unauthorized or improper use of Widgets, Websites, Content, or Services in order to verify compliance with this Agreement.
Widgets and any information, software, and related services are provided is and as available with no warranty of any kind. Quotejoy expressly disclaims any warranties that may be expressed or implied by law regarding any Widget, including warranties of accuracy or non-infringement. Use of Widgets is at your own risk. Quotejoy is not liable for any direct, indirect, punitive, incidental, special, or consequential damages or other injury arising out of or in any way connected with the use of any Widget, whether resulting in whole or in part from breach of contract, tortious behavior, negligence, strict liability, or otherwise.
Quotejoy reserves the right to modify this Agreement in its sole discretion at any time without notice. You are responsible for regularly reviewing this Agreement, and your continued use of any Widget after the effective date of such changes constitutes your acceptance of, and agreement to, any such changes.

Disclaimers and Liability

The Websites, Content, and Services are provided on an “as is” and “as available” basis. To the fullest extent permitted by law, Quotejoy disclaims all warranties, whether express, implied, statutory, or otherwise, including any warranties of merchantability, fitness for a particular purpose, accuracy, reliability, title, and non-infringement.

Quotejoy does not guarantee that the Websites, Content, or Services will be uninterrupted, error-free, secure, accurate, complete, or suitable for your needs. Any use of or reliance on the Websites, Content, or Services is at your own risk.

Quotejoy is not responsible for errors, delays, failures, or inaccuracies in information, applications, requests, or transactions, including those caused by user-provided information, third-party services, or circumstances beyond our reasonable control.

Information, tools, analyses, credit-related information, and offers provided through the Websites are for informational purposes only and do not constitute financial, legal, or professional advice, nor do they represent an endorsement or recommendation of any product or service.

To the fullest extent permitted by law, Quotejoy shall not be liable for any loss, damage, cost, or expense arising from your use of or reliance on the Websites, Content, or Services, including any loss of data or damage to your computer systems, devices, or software.

Some jurisdictions do not allow certain warranty exclusions or limitations of liability. In such cases, these limitations will apply only to the extent permitted by applicable law.

Indemnity

You agree to defend (if requested by any Quote Joy Party, as defined below), indemnify, and hold harmless Quotejoy and its officers, directors, shareholders, predecessors, successors-in-interest, licensors, employees, agents, representatives, subsidiaries, and affiliates (Quotejoy Parties), from and against any and all claims, losses, liabilities, expenses (including attorneys fees and costs), demands, and damages incurred by a Quotejoy Party in connection with any claim by a third party arising out of or relating to: (1) your use of the Websites or Services; (2) your violation or alleged violation of the Agreement; (3) your violation or alleged violation of any applicable law; (4) your infringement or alleged infringement of any intellectual property or other right of any other person or entity; or (5) any dispute between you and a third party. You agree not to settle any such claim or matter without Quotejoy prior written consent. The Quotejoy Parties reserve the right, at their own expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you further agree that you will cooperate fully in the defense of any such claims.

Limitation on Liability

To the fullest extent permitted by applicable law, Quote Joy’s liability for any claim arising out of or relating to the Websites, Content, Services, or this Agreement shall be limited to direct damages that were reasonably foreseeable. In no event shall Quote Joy’s total liability exceed one hundred U.S. dollars (US$100).

Quote Joy shall not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, including but not limited to loss of profits, revenue, business opportunities, data, goodwill, use, or business interruption, even if advised of the possibility of such damages.

These limitations apply to all claims, whether based on contract, tort, negligence, strict liability, statute, or any other legal theory, and apply to the maximum extent permitted by law.

Nothing in this Agreement excludes or limits any liability or consumer rights that cannot be excluded or limited under applicable law. Where applicable law does not allow certain limitations or exclusions of liability, such limitations shall apply only to the extent permitted by law.

Your sole and exclusive remedy for dissatisfaction with the Websites, Content, or Services is to discontinue using them.

Dispute Resolution (Including Arbitration Agreement; Class Action Waiver; Jury Trial Waiver)

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT, HAVE A JURY TRIAL, OR PARTICIPATE IN A CLASS ACTION.

Agreement to Arbitrate

Any dispute, claim, or controversy arising out of or relating to these Terms, the Websites, Content, or Services (“Dispute”) shall first be addressed through good-faith informal negotiations. If a Dispute cannot be resolved informally within 30 days after written notice is provided by either party, the Dispute shall be resolved exclusively through final and binding arbitration on an individual basis, except where prohibited by applicable law.

This arbitration agreement applies to all disputes relating to the use of the Websites, Content, Services, communications from Quote Joy, and these Terms, including questions regarding their interpretation, validity, enforceability, or scope.

Nothing in this section prevents either party from seeking assistance from government agencies or regulators where permitted by law.

Exceptions

Either party may:

• Bring an individual claim in small claims court if the claim qualifies and remains on an individual basis.
• Seek temporary, injunctive, or equitable relief in a court of competent jurisdiction to protect intellectual property rights, confidential information, or prevent unauthorized access to the Services.

Informal Resolution Requirement

Before initiating arbitration, the party raising the dispute must provide written notice describing:

• The party’s name and contact information;
• The nature of the dispute;
• Relevant facts and supporting information; and
• The relief requested.

The parties agree to make reasonable efforts to resolve the dispute informally for at least 30 days before commencing arbitration.

Arbitration Procedure

Arbitration shall be conducted by a single neutral arbitrator under the rules of JAMS or another mutually agreed arbitration provider. If no agreement can be reached regarding the arbitration provider, a court of competent jurisdiction may appoint one.

The arbitrator shall have exclusive authority to resolve any dispute concerning the interpretation, applicability, enforceability, or formation of this arbitration agreement.

The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court with jurisdiction.

Arbitration Costs

Each party shall bear its own legal fees and expenses unless otherwise required by law or awarded by the arbitrator. Arbitration fees shall be allocated in accordance with the applicable arbitration rules.

Class Action Waiver

To the fullest extent permitted by law, all disputes must be brought solely in an individual capacity.

You and Quote Joy waive any right to participate in or bring a class action, collective action, representative action, consolidated action, private attorney general action, or similar proceeding.

The arbitrator may award relief only to the individual party seeking relief and only to the extent necessary to resolve that party’s claim.

Jury Trial Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND QUOTE JOY WAIVE ANY RIGHT TO A TRIAL BY JURY FOR ANY DISPUTE ARISING OUT OF OR RELATING TO THESE TERMS, THE WEBSITES, CONTENT, OR SERVICES.

Opt-Out Right

You may opt out of this arbitration agreement within 30 days of first accepting these Terms by sending written notice to:

Email: help@quotejoy.com

Your notice must include your name, email address, and a clear statement that you wish to opt out of arbitration.

Opting out of arbitration does not affect any other provision of these Terms.

Governing Law

This arbitration agreement shall be governed by the Federal Arbitration Act and applicable laws governing arbitration agreements.

Severability

If any portion of this arbitration agreement is found unenforceable, the remaining provisions shall remain in full force and effect to the maximum extent permitted by law.

Survival

This Dispute Resolution and Arbitration section survives termination of your account, these Terms, and your use of the Services.

Governing Law

Except as otherwise provided herein and to the extent permitted by applicable law, this Agreement is governed by the laws of the State of North Carolina without regard to any conflicts of laws provisions, except the Arbitration Agreement, which is governed by the laws outlined in the Dispute Resolution section of this Agreement. To the extent permitted by applicable law, you agree to exclusive personal jurisdiction by, and venue in, the state and federal courts located in Mecklenburg County, North Carolina, and you consent to the personal jurisdiction of those courts and waive any objection to such venue.

Entire Agreement

This Agreement (including all referenced or incorporated policies, agreements, terms, and other provisions) constitutes the entire agreement between you and Quotejoy and supersedes all prior or contemporaneous oral or written agreements or other communications between you and us with respect to the subject matter hereof. In the event of a conflict between the language or terms of this Agreement and the language or terms of any policy, agreement, or terms incorporated by reference, the latter incorporated terms shall control.

Enforceability and Severability
If any provision of this Agreement is be found to be unlawful, void, or unenforceable, you agree that such provision shall be given effect to the greatest extent possible, including that it be modified to the greatest extent possible to render it enforceable with respect to the dispute at issue and to reflect the intent of the Agreement to the greatest extent possible, and all remaining provisions and the Agreement as a whole shall remain in full force and effect.

Waiver Only in Writing
QuoteJoy failure to enforce any right or act with respect to any breach or alleged breach by you or others of the Agreement does not constitute a waiver of any right and will not limit QuoteJoy rights with respect to that breach or any subsequent breaches. No waiver by Quotejoy of any of the provisions in the Agreement will be of any force or effect unless made in writing and signed by a duly authorized officer of Quotejoy.

Opt-out Instructions

You may opt out of receiving calls, texts, and/or emails from Quotejoy by: (1) emailing help@quotejoy.com and stating that you no longer wish to be contacted by Quotejoy by phone and/or email; (2) completing a request to Opt out of phone calls on our Contact Us page at help@quotejoy.com; (3) Stating that you no longer wish to be contacted by Quotejoy by phone and/or email; or (4) responding to any SMS, mobile, or text message you receive from Quotejoy and stating you no longer wish to be contacted by Quotejoy. If you would like a Provider, including any matched lender or insurance provider, to no longer contact you, please contact the Provider directly and notify the Provider that you no longer want to receive communications (calls and/or emails) from them. You agree that Quotejoy is not responsible for a Provider failure to follow your or our instructions to cease communications with you. Note that if you complete a subsequent request for or inquiry about a financial product or service on the Websites, you may resume receipt of marketing calls or texts and will need to make a new opt-out request.
You may opt out of receiving marketing emails from Quotejoy by: (1) utilizing the Unsubscribe link at the bottom of emails; (2) emailing a request to be unsubscribed to help@quotejoy.com; or (3) managing your email preferences at help@quotejoy.com.

Terms Applicable to All Services

On the Websites, we provide educational and informational content and operate online marketplaces that enable consumers to comparison shop for various financial products and services offered by our network of Providers. We provide content and tools on our websites that may allow you to develop or improve your financial education. We provide these materials for informational, educational, and entertainment purposes only. At no time are we providing or should you interpret us as providing legal, financial, insurance, investment, tax or estate planning, or medical advice. Quotejoy is licensed as set forth in our Licenses and Disclosures, which is incorporated into this Agreement by reference.
Quotejoy is not a lender or a creditor. Quotejoy does not take credit applications; originate, service, or make loans or credit decisions; or issue commitments or lock-in agreements. Quotejoy services are only administrative. Our Services allow you to comparison-shop for various financial products and services, including mortgage loans, personal loans, credit cards, and insurance products. Completing or submitting a Qualification Form is a request to be matched with Providers of one or more particular financial products or services. When you submit a Qualification Form, Quotejoy will attempt to match you with Providers offering products or services for which you may qualify or that may be of interest to you. You also agree that we may try to identify matches for similar or alternative products or services based on your request and information provided in your Qualification Form and that we may share your information with Providers of such similar or alternative products or services. For example, if you submit a request for a personal loan, in certain circumstances we may also try to identify matches for a home equity loan or line or credit or debt relief services if the information provided in your Qualification Form and resulting matches, or lack thereof, indicate such alternative products or services may be of interest to you.
Any Qualification Form or loan inquiry you submit is not an application for credit. Rather, it is an inquiry or request to be matched with Providers that may be able to present conditional loan or credit offers to you, which offers are subject to change at any time, including at the point of application with the Provider, after verification of information you provided, as well as other conditions as solely determined by any Provider with whom you proceed. You are under no obligation to proceed with any Provider or conditional offer.
Submitting a Qualification Form does not guarantee that you will receive any conditional loan or credit offers or loan approvals. Any conditional offer is based on information you provide when completing a Qualification Form and information in your credit file at that time. Submitting a Qualification Form may involve a soft credit inquiry that will not affect your credit score.
Providers, and not Quotejoy, establish and maintain approval standards and determine the criteria necessary to receive both conditional offers and credit approvals. You should review each Provider terms and conditions to determine which offer works for you and your personal financial situation. We do not guarantee acceptance into any particular program or any specific terms or conditions with any Provider. We do not guarantee that you will be approved for credit, financing, or insurance or that upon approval you will qualify for advertised rates, fees, or other terms. We do not guarantee that rates or terms advertised or offered by Providers include the lowest or most favorable rates or terms available in the market. All rates, fees, and other terms are presented without guarantee and are subject to change at any time based on each Providers discretion.
By submitting a Qualification Form for a home loan (whether purchase, refinance, or home equity), you authorize Quotejoy to provide your information to real estate companies, brokers, and agents in its network (Real Estate Companies), in addition to Providers who offer home loan products and services. You understand that Real Estate Companies may contact you, whether by call, text, or email, to determine whether their services may be of interest to you.
Quotejoy is paid a marketing lead generation fee by Providers for the goods, facilities, and services provided. Conditional offers that appear on the Websites are from companies from whom Quotejoy receives compensation. In some cases, where disclosed, this compensation may impact how and where offers appear (such as the order or which offers or products are featured). Your use of the Websites or Services constitutes your awareness and acknowledgement of this compensation arrangement and the potential impact it may have on presentation of offers or other products or services. We do not include all products, services, offers, issuers, or credit or service providers available in the marketplace.
You may have to complete an application with a Provider before the Provider will extend an unconditional offer to you. Proceeding with an application with a Provider may involve a hard credit pull. A Provider you select may require you to pay an application or other fee to cover the costs of an appraisal, credit report, or other items. You may be responsible for paying any and all closing costs associated with a loan (such as settlement services, loan processing, underwriting, or funding fees) as solely determined by the Provider, and not Quotejoy. The Provider, and not Quotejoy, will likewise determine the amount of any fees or costs and should provide information to you regarding the refundability of any fee or cost.
Services offered by Providers may only be made to residents of states where Providers are authorized to conduct business. A Provider participation in and offering of its products or services on the Websites does not necessarily constitute an offer by a Provider or Quotejoy to provide services outside of their respective authorized jurisdictions. To the extent you seek or receive information from a Provider or Quotejoy regarding any prospective product or service that would be outside the Providers or Quotejoy authorized jurisdiction(s), that information is for informational purposes only. Providers and Quotejoy shall have the right to discontinue, suspend, or terminate the offering of any product or service in any specific state through the Websites at any time, without prior notice.
Except as otherwise provided for your state, Quotejoy is not an agent of you or any Provider. You should rely on your own judgment in deciding which available loan or financial product or service, terms, and Provider best suits your personal financial situation. The Provider is solely responsible for its services to you, and you agree that Quotejoy shall not be liable for any damages or costs of any type arising out of, or in any way connected with, your use of such Provider services. You understand that Providers may retain information you provided with your request for a loan or other financial product or service and any other information provided by Quotejoy or received by Providers in the processing of your inquiry or request, whether or not you are qualified for or close a loan or purchase or enroll in a financial product or service with them. In addition, Quotejoy may receive personally identifiable information regarding the disposition of your application, loan, or account from the Provider in order to fulfill its regulatory requirements as well as for internal business purposes.
By beginning or completing a Qualification Form or otherwise entering or saving personal information with Quotejoy, you represent that all information you provide or enter is true, accurate, current, and complete. You further acknowledge that you alone will use your account to access the Services. You agree to not sell, transform, or assign your account to anyone else. You agree to keep your login information confidential, to employ reasonable and appropriate safeguards to prevent unauthorized access to your account, and to not share your account credentials with any third party. You must be 18 years or older to create an account. You acknowledge that you are responsible for all activities that occur under your account. If you believe that your account is no longer secure, you agree to notify us immediately.
To help the government fight identity theft, the funding of terrorism, and money laundering activities, and to attempt to verify your identity, QuoteJoy and its Providers may obtain, verify, and record information that identifies each person who uses our Websites or Services and/or opens an account with us and Providers. Quotejoy and its Providers may ask for your name, Social Security number, address, telephone number, date of birth, and/or other important information including, but not limited to, information received from your credit file, that may allow us and Providers to properly identify you.

Terms Applicable to QuoteJoy Spring

By creating a Quotejoy account (whether separately or in conjunction with submitting a Qualification Form or using another Service), as explained in the terms and conditions of creating a Spring account, you understand and agree that Quotejoy may obtain your consumer report, credit report, credit profile, and other credit-related information from one or more credit reporting agencies. You understand and agree that we may use and analyze your information, including credit-related information obtained from a credit reporting agency, to do the following: (1) present you with an overview of your credit profile, including credit score and detailed information where available; (2) for marketing purposes and to provide you with general information, as well as information and recommendations on financial products and services that may be of interest to you; (3) identify affiliate and non-affiliate Providers that may be able to provide services or information to you; and (4) conduct internal analytics, research, and development to improve our Services and customer experience. If you would like to deactivate or disable your Spring account, including any free credit score services, you may visit your Spring account profile or email a request to help@quotejoy.com

Terms Applicable to Loan Explorer and Rate Table Products

QuoteJoy Loan Explorer and Rate Tables allow you to view sample rates for various loan products, such as home purchase and personal loans, and contact Providers directly to inquire about their products and services without submitting a Qualification Form. You may see sample rates from multiple Providers, and there is no restriction on how many Providers you may contact.
Sample rates advertised on our Loan Explorer and Rate Tables are calculated using conditional loan offers Providers have made to consumers nationwide. Sample rates may not be available to all consumers, in all states, or in all loan amounts. Sample rates may be calculated based on criteria such as a certain loan amount, loan term, or self-identified credit score (e.g., credit score of 700 or greater). Sample rates do not constitute a guarantee, agreement, or commitment that you will be loaned funds or extended credit by any Provider. Rates and terms are subject to change at any time without notice based solely on Provider discretion. Our Loan Explorer and Rate Tables do include all products, services, offers, issuers, or credit or service providers available in the marketplace.

Terms Applicable to Mortgage Loan Request Services

QuoteJoy is a marketing lead generator and duly licensed mortgage broker in all fifty states and the District of Columbia as required by law, NMLS ID #1136. For a current list of applicable state licenses and disclosures, click Licenses and Disclosures or call for details. Quotejoy does not take mortgage or loan applications as defined under applicable state laws, the Equal Credit Opportunity Act, the Truth In Lending Act, the Real Estate Settlement Procedures Act, or other applicable federal law.
The Websites and Services related to Quotejoy mortgage loan request services are available in connection with loans secured by real property located in the fifty states and the District of Columbia, unless otherwise specified. Providers may not offer all products in all jurisdictions.
Note that some mortgage request services may request your Social Security number as part of the Qualification Form because certain Providers require that information to extend a conditional loan offer.
If you apply for or close a loan with a Provider, the Provider may require you to pay an application or other fee to cover the costs of an appraisal, credit report, or other items. The Provider may also require you to pay any and all closing costs associated with a loan (such as settlement services, loan processing, underwriting, funding fees, appraisals, title insurance premiums, and attorney or notary fees) as solely determined by the Provider and/or settlement service provider(s) you select, and not Quotejoy. The Provider, and not Quotejoy, will likewise determine the amount of any fees or costs and should provide information to you regarding the refundability of any fee or cost.
There is no guarantee that you will be matched with any specific Provider(s) making any specific offer(s). In certain circumstances, including based on the information provided in your Qualification Form and resulting matches, or lack thereof, we may continue to attempt to match you with a Provider for up to twenty-four hours after you submit your request, and we may contact you by telephone at the number you provided to attempt to match you with a Provider. If we are able to match you with a Provider that was not originally identified on your offers page on the Website, you agree that we may call or contact you to identify such Provider(s), and you may elect to be connected with such Provider(s) to learn more about products and services offered. Quotejoy cannot and will not select a Provider or offer for you.

Terms Applicable to Automobile Loan Request Services

Some Automobile Finance Providers may conduct a hard credit pull in order to extend an offer of credit. If you submit a Qualification Form to request an automobile loan and qualify for the Dealer Referral Program, we may provide your information to one or more Providers or third-party marketing companies that participate in that program. The Dealer Referral Program allows you to get financing quotes from a dealership in your area. Program participants are subject to change at any time and are not guaranteed.

Terms Applicable to Insurance Request Services

Quote Joy is not an insurance company, insurance agency, broker, or licensed insurance provider. We do not sell insurance policies, bind coverage, or provide insurance advice.

Our Services are designed to connect consumers with insurance providers, agents, brokers, and other licensed professionals who may offer insurance products or related services. We do not endorse, recommend, or guarantee any particular insurance provider, policy, product, rate, or coverage option.

Any information provided through the Websites or Services is for general informational purposes only and should not be considered insurance, financial, legal, or professional advice. You should consult with a licensed insurance professional before purchasing or modifying any insurance policy.

Quote Joy makes no representations or warranties regarding:

• The quality, suitability, legality, or availability of any insurance product or service offered by a third party;
• The accuracy, completeness, or reliability of information provided by insurance providers;
• A provider’s ability to offer insurance products or services that meet your needs; or
• Your eligibility for any insurance product, policy, discount, or coverage.

Submitting a request through our Services does not guarantee that you will receive insurance quotes, be contacted by a provider, qualify for coverage, or obtain insurance at any particular rate or terms.

Insurance products, rates, coverage options, and eligibility requirements vary by provider, state, and individual circumstances. All coverage decisions, underwriting determinations, and policy terms are made solely by the applicable insurance provider.

Certain insurance products and services may not be available in all jurisdictions. Availability is subject to applicable laws, regulations, and provider requirements.