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When it comes to buying insurance, one of the most important things you can do is to shop around and compare quotes from multiple insurers. This is particularly true if you're looking for car insurance, where rates can vary widely depending on factors like your age, driving record, and the type of car you drive. By getting quotes from multiple providers, you can get a sense of the range of prices available and make an informed decision about which policy is the best fit for your needs and budget.
It's important to remember, however, that price shouldn't be the only factor you consider when choosing an insurance provider. You also want to make sure that the company is financially stable and has a good reputation for customer service. You can research insurers online and read reviews from other customers to get a sense of their track record. You can also check with your state's insurance department to see if there have been any complaints or regulatory actions against the company.
Another strategy to consider when shopping for insurance is bundling policies. Many insurers offer discounts if you purchase multiple policies from them, such as car and home insurance. This can be a great way to save money on your premiums, but it's important to make sure that you're getting a good deal on each individual policy. It's also worth noting that bundling might not always be the best option, depending on your specific circumstances. For example, if you have a high-value home, you might want to consider getting a separate policy from a specialty insurer that specializes in high-end properties.
When you're comparing quotes and policies, don't be afraid to ask questions and clarify any points that you don't understand. You should also make sure that you're comparing apples to apples when it comes to coverage levels and deductibles. A lower premium might seem like a good deal, but if it comes with a high deductible or less comprehensive coverage, you could end up paying more in the long run if you have to file a claim.
Finally, it's worth remembering that insurance rates are often negotiable. This is especially true if you have a good driving record, have taken a defensive driving course, or have other factors that could make you a lower-risk customer. You can ask your insurance agent or broker if there are any discounts available, or simply ask if there's any room for negotiation on the premium. You might be surprised at how much you can save just by asking!
In summary, shopping for insurance requires some research and diligence, but it can pay off in the form of lower premiums and better coverage. By comparing quotes from multiple providers, considering bundling policies, asking questions, and negotiating rates, you can ensure that you're getting the best value for your money when it comes to insurance.

Understanding your coverage needs is a crucial step when it comes to buying insurance. There are many different types of insurance policies available, and it's important to determine which ones are necessary for your specific situation. This can depend on factors like your assets, risks, and overall financial situation.
One of the first things you should do when evaluating your coverage needs is to take a close look at your current policy's coverage. This can help you understand what types of risks are currently covered and what types of coverage you might need to add. For example, if you have car insurance, you might want to look at your policy to see if it includes collision coverage, which can help pay for repairs if you're in an accident. If you rent your home, you might want to check your renter's insurance policy to see if it includes liability coverage, which can protect you if someone is injured on your property.
Once you have a clear understanding of your current coverage, you can then determine if you need additional coverage. This might involve adding new policies, such as umbrella insurance or flood insurance, or increasing the coverage limits on your existing policies. For example, if you have a lot of assets, you might want to consider adding umbrella insurance to provide extra liability protection in case you're sued. Or if you live in an area prone to flooding, you might want to consider adding flood insurance to your homeowner's policy.
When evaluating your coverage needs, it's important to consider factors like your assets and risks. For example, if you own a home, you'll want to make sure you have enough coverage to rebuild your home in the event of a disaster. If you have a high net worth, you'll want to make sure you have enough liability coverage to protect your assets if you're sued. And if you have a high-risk job or engage in risky activities, you might want to consider adding extra coverage to protect against accidents or injuries.
Ultimately, the key to understanding your coverage needs is to do your research and work with a reputable insurance agent or broker who can help you assess your risks and determine the best coverage options for your needs and budget. By taking the time to evaluate your current policy's coverage, determine if you need additional coverage, and consider factors like your assets and risks, you can ensure that you have the right coverage in place to protect yourself and your family.

Choosing the right deductible is an important part of buying insurance. The deductible is the amount you'll have to pay out-of-pocket before your insurance coverage kicks in. In general, higher deductibles mean lower premiums, but it's important to choose a deductible that balances affordability and protection.
The first step in choosing a deductible is to determine what you can afford to pay out-of-pocket. This means considering your overall financial situation, including your income, savings, and other expenses. You should also consider the likelihood of needing to make a claim. For example, if you have a high-risk job or engage in risky activities, you might want to choose a lower deductible to ensure that you can afford to pay for any necessary medical treatment or repairs.
Once you have a sense of what you can afford to pay out-of-pocket, you can then choose a deductible that balances affordability and protection. In general, a higher deductible will lower your premiums, but it also means that you'll have to pay more out-of-pocket if you need to make a claim. A lower deductible, on the other hand, means higher premiums but lower out-of-pocket costs.
When choosing a deductible, it's important to remember that it's just one factor to consider when buying insurance. You also want to make sure that you have enough coverage to protect your assets and mitigate your risks. In some cases, it might be worth paying a slightly higher premium to get more comprehensive coverage, even if it means choosing a lower deductible.
It's also worth noting that the deductible can vary depending on the type of insurance policy. For example, with car insurance, you might be able to choose separate deductibles for collision and comprehensive coverage. With health insurance, you might have a separate deductible for in-network and out-of-network care. It's important to understand these distinctions and choose a deductible that makes sense for your specific needs and circumstances.
In summary, choosing the right deductible is an important part of buying insurance. By determining what you can afford to pay out-of-pocket, choosing a deductible that balances affordability and protection, and remembering that a higher deductible can lower premiums, you can make an informed decision about the best coverage options for your needs and budget.

When it comes to buying insurance, it's important to choose a reputable insurer. You want to make sure that the company you're buying from has a good reputation for customer satisfaction and financial stability, and that it's licensed to do business in your state. Here are some things to keep in mind when checking an insurer's reputation:
First, research the insurer's customer satisfaction and financial stability. Look for reviews and ratings from independent organizations like J.D. Power, A.M. Best, and Standard & Poor's. These organizations evaluate insurers based on factors like customer satisfaction, claims handling, and financial strength. You can also check with your state insurance department to see if the insurer has any complaints on file.
Next, check for any complaints or legal issues. Look for news articles or reports of lawsuits, regulatory actions, or other issues that might suggest the insurer has had problems in the past. You can also check with the Better Business Bureau to see if any complaints have been filed against the company.
Finally, verify that the insurer is licensed in your state. This is important because insurance is regulated at the state level, and insurers are required to be licensed in each state where they do business. You can check with your state insurance department to confirm that the insurer is licensed and in good standing.
Keep in mind that a good reputation doesn't guarantee that an insurer will be the best fit for you. You still need to consider factors like coverage options, deductibles, and premiums, and make sure that the policy you're buying meets your specific needs and budget. But checking the insurer's reputation can give you peace of mind knowing that you're working with a reputable company that's likely to be there for you when you need it most.

Understanding the claims process is an important part of buying insurance. It'scancel important to know how to file a claim, what information is needed, and how the insurer handles disputes. Here are some tips for understanding the claims process:
First, review the claims process and timeline. This information should be included in your insurance policy and/or provided to you by the insurer. Be sure to understand the steps you need to take to file a claim, how long it will take for the claim to be processed, and what to expect during the claims process.
Next, know how to file a claim and what information is needed. In most cases, you'll need to contact the insurer as soon as possible after the incident occurs. You'll need to provide information about what happened, when it happened, and any other relevant details. The insurer may also require supporting documentation, such as police reports, medical records, or receipts for repairs.
It's important to provide accurate and complete information when filing a claim. If you provide false or misleading information, the insurer may deny your claim or cancel your policy.
Finally, understand how the insurer handles disputes. If you disagree with the outcome of a claim, you have the right to dispute it. Most insurers have a process for handling disputes, which may include mediation or arbitration. Be sure to review your policy and understand your rights and options in the event of a dispute.
Keep in mind that the claims process can vary depending on the type of insurance and the insurer. It's important to review your policy and understand the specific requirements and procedures for filing a claim. By understanding the claims process, you can be prepared to file a claim if needed and ensure that you receive the coverage you're entitled to under your policy.

When you're shopping for insurance, it's important to look for discounts that can help you save money on your premiums. Here are some tips for checking for discounts:
First, look for discounts for good driving or good grades. Many insurers offer discounts for safe driving or good grades, particularly for younger drivers. If you have a clean driving record or good grades, be sure to ask your insurer about these discounts.
Next, check for discounts for military service or professional organizations. Some insurers offer discounts to members of the military or certain professional organizations. If you're eligible for these discounts, be sure to take advantage of them.
Consider loyalty discounts for staying with the same insurer. Many insurers offer discounts to customers who have been with them for a certain period of time. If you're happy with your insurer and plan to stay with them for the long term, be sure to ask about loyalty discounts.
It's also important to understand how the insurer handles disputes. If you have a dispute with your insurer over a claim or other issue, you want to make sure that the dispute will be handled fairly and efficiently. Check with your state insurance department to see if the insurer has any complaints on file and what the complaint resolution process is like.
Keep in mind that not all insurers offer the same discounts, and discounts can vary depending on factors like your age, driving history, and occupation. Be sure to ask your insurer about all available discounts and how you can qualify for them. By taking advantage of discounts, you can save money on your premiums and get the coverage you need at a price you can afford.

When you're purchasing insurance, it's important to read the fine print and review the policy's terms and conditions carefully. Here are some tips for doing so:
First, understand the exclusions and limitations. Insurance policies typically have specific exclusions and limitations that can affect your coverage. For example, a homeowners insurance policy may exclude coverage for certain types of damage, such as flood damage. Be sure to review these exclusions and limitations carefully so you know what is and isn't covered under your policy.
Next, ask questions if anything is unclear. If you're not sure about something in the policy or have questions about the coverage, be sure to ask your insurer. They should be able to explain the policy's terms and conditions in detail and help you understand what you're getting for your money.
It's also important to review the policy's terms and conditions carefully to ensure that you're getting the coverage you need. Be sure to check that the policy covers the risks and events that are important to you. For example, if you live in an area with a high risk of natural disasters, you'll want to make sure your homeowners insurance policy covers these types of events.
Finally, keep in mind that the fine print can vary depending on the insurer and the type of insurance you're purchasing. Be sure to review the policy carefully and don't be afraid to ask questions or seek clarification if anything is unclear.
By reading the fine print and reviewing the policy's terms and conditions carefully, you can ensure that you're getting the coverage you need and that you understand what is and isn't covered under your policy. This can help you avoid surprises and ensure that you have the protection you need in the event of a covered loss.

When shopping for insurance, it's important to consider the insurer's customer service. Here are some tips for evaluating customer service:
First, evaluate the insurer's customer service reputation. Look for reviews and ratings from current and past customers. This can give you an idea of how the insurer handles claims, responds to inquiries, and generally interacts with its customers.
Next, check if they have 24/7 customer service. Emergencies can happen at any time, and it's important to have access to customer service whenever you need it. Many insurers offer 24/7 customer service, either by phone, email, or online chat.
Determine if they offer online or mobile support. Many insurers now offer online and mobile support, which can make it easier to manage your policy, file a claim, and get support. Look for insurers that offer these options and consider how important they are to you.
By considering customer service as a factor in your insurance decision, you can ensure that you have access to the support you need when you need it. This can help you feel more confident in your coverage and ensure that you have a positive experience with your insurer.
One important factor to consider is the level of personalization that the insurer offers. Some insurers have dedicated agents or representatives who work with customers to customize their policies based on their unique needs and preferences. This can be helpful if you have specific requirements or concerns that you want to address with your coverage.
Another aspect to consider is the ease of the claims process. Look for insurers that have streamlined claims processes and offer support throughout the process. This can make it easier to file a claim and get the assistance you need in the event of a loss.
You should also consider the level of transparency that the insurer offers. Look for insurers that are upfront and clear about their policies, coverage options, and pricing. This can help you avoid surprises down the line and ensure that you're getting the coverage you need at a fair price.
Finally, consider the accessibility of the insurer. Look for insurers that have multiple channels for communication, such as phone, email, online chat, and social media. This can make it easier to get in touch with the insurer and get the support you need.
By considering all of these factors, you can find an insurer that not only offers competitive rates and good coverage but also provides excellent customer service. A good insurer will work with you to customize your policy, provide support throughout the claims process, and offer transparency and accessibility to ensure a positive experience for their customers.

Updated and Effective: Sept 1, 2023

Let's Make a Lead, LLC ("LMAL") owns and operates Adopt-an-Insurer ("AAI"). As a condition to using AAI's services as described herein, you agree to this Terms of Use ("Agreement") and any future amendments.

1. Notice and Consent. By using the AAI website or services, you agree to the terms and conditions of this Agreement, the AAI Privacy Policy and any other documents incorporated by reference. You agree that this Agreement forms a legally binding contract between you and AAI, and that this Agreement constitutes a writing signed by you under any applicable law or regulation. AAI may amend this Agreement at any time. You agree to be bound by the modified terms and conditions of this Agreement upon your use of AAI's services after the effective date of such changes. We last modified this Agreement on Sept 1, 2023. Nothing in this Agreement shall be deemed to confer any third party rights or benefits. Any rights not expressly granted herein are reserved by AAI. In this Agreement, "You" means any person or entity using AAI's services.

2. AAI's Services. You may request a service provider ("Professional") to contact you by providing AAI with personal information such as your name, address, email address, telephone number and the type of service you are seeking to have performed. AAI will attempt to locate a Professional to contact you regarding the type and location of the service you requested. AAI does not guarantee that it will locate a Professional to contact you regarding your service request. AAI does not deliver, and is not responsible for, any Professional products, services or advice. AAI is not an agent of any Professional, and Professionals are not employees or agents of AAI. Neither AAI nor any third party that refers you to the Professional sponsors, endorses, recommends or approves any Professional. While we try to confirm that Professionals meet certain requirements, we cannot and do not represent or warrant that any Professional is licensed, qualified, bonded, insured or capable of performing any service. We do not make any guarantees, warranties or representations of any kind regarding any Professional or any products, services or advice of any Professional, and neither we nor any third party that refers you to the Professional will be responsible for any action or inaction of any Professional. We do not guarantee that the service request can match your service needs with a Professional or that there are Professionals in your area that are capable of and willing to meet your service needs. You understand and acknowledge that AAI does not guarantee that it will pre- screen each Professional and AAI makes no, and expressly disclaims any guarantees, representations or warranties whatsoever with regard to these Professionals. The Professionals are provided to you on an "as is" basis." Any quote or estimate provided in connection with the service request is only a guide, not a contractually binding offer, and is not a guarantee of the actual cost of your specific project. When a Professional provides you with products, services or advice, your rights will be governed by your contract with the Professional and by applicable federal, state and local laws.

3. Consent. By using AAI's services you will be required to submit information about yourself and your service requirements. This information may be sent to Professionals or other partner entities which work with AAI who will respond to your service requests. You agree that your submission of your contact information constitutes your entering into a business relationship with AAI and its partners and therefore consent to being contacted by AAI, its partners as well as Professionals and other providers by phone, email, mail or other reasonable means at any of your contact numbers or addresses for services related to your service request. In the event that you are listed on a "Do Not Call" list, you hereby agree that phone calls and other contact stemming from your submission of contact information to AAI and its partners are permitted. You represent that your contact information is current, truthful and accurate.

4. Communication. When you contact us, when we contact you, or when you communicate with a Professional, we may monitor and/or record those communications for quality assurance, customer satisfaction and other purposes. Calls between you and Professionals that originate with a partner service may also be monitored and recorded. You consent to this monitoring and recording. By providing your telephone number, you consent to receive autodialed, pre-recorded or artificial voice calls and text (SMS) messages. We may also contact you for servicing your account, addressing complaints, billing or other account-related matters, or other purposes reasonably related to AAI's services.

5. License. We hereby grant you a limited, revocable, non-exclusive, non-transferable and non- sublicensable right to access and use the AAI website for your personal, non-commercial (unless otherwise agreed by us) and informational use only, subject to your compliance with the Agreement. The AAI website, including all materials, content and information therein, arrangement and composition, and all trademarks, service marks or other brands or names of AAI (collectively, the "Content"), are the proprietary property of AAI and its suppliers and licensors and are protected by United States and international intellectual property laws, including trademark and copyright laws. You agree not to remove, alter or obscure any copyright, trademark or proprietary rights notice incorporated in the Content or accompanying the services. Except for the limited license explicitly granted to you under this Agreement, no other license is granted to you, whether by implication, estoppel or otherwise and all rights are explicitly reserved.

6. No Objectionable Conduct. You agree that, in using the AAI website, AAI's services and interacting with AAI, its partners or Professionals, you will not (i) engage in any form of harassment or offensive behavior, including making abusive, threatening, defamatory, racist, obscene, or offensive statements; (ii) engage in deceptive or fraudulent behavior; (iii) infringe or violate the privacy rights, property rights or any other rights of any person or entity; or (iv) violate any applicable law, rule or regulation.

7. Governing Law. This Agreement and the rights of the parties hereunder shall be governed by and construed in accordance with the laws of the State of Florida, exclusive of conflict or choice of law rules.

8. Dispute Resolution.

THIS AGREEMENT REQUIRES THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS.

About Arbitration:

In the event AAI is unable to resolve a complaint you may have to your satisfaction (or if AAI has not been able to resolve a dispute it has with you after attempting to do so), we each agree to resolve those disputes through binding arbitration instead of in court. Arbitration is more informal than a lawsuit in court. Arbitration uses neutral arbitrators instead of a judge or jury, allows for more limited discovery than in court, and is subject to very limited review by courts. Any arbitration under this Agreement will take place on an individual basis; class arbitrations and in court class actions are not permitted.

Arbitration Agreement:

(a) Any dispute, claim or controversy among the parties arising out of or relating to this Agreement ("Dispute") shall be finally resolved by and through binding arbitration administered by JAMS pursuant to its Comprehensive Arbitration Rules and Procedures and in accordance with the Expedited Procedures in those Rules (the "JAMS Rules"), provided that failure to adhere to any of the time limits set forth therein shall not be a basis for challenging the award.

You may obtain copies of the current rules and forms and instructions for initiating arbitration by contacting JAMS as follows:

JAMS, The Resolution Experts
600 Brickell Avenue
Suite 2600
Miami, FL 33131
Web site: www.jamsadr.com
Telephone: (949) 224-1810 or (800) 352-5267

You agree that, by entering into this Agreement, you and AAI are each waiving the right to a trial by jury or to participate in a class action or class arbitration. Both the foregoing agreement of the parties to arbitrate any and all Disputes, and the results, determinations, findings, judgments and/or awards rendered through any such arbitration, shall be final and binding on the parties and may be specifically enforced by legal proceedings in any court of competent jurisdiction.

(b) The arbitration shall be conducted by three (3) arbitrators (unless the parties mutually agree to less). Each party shall select one arbitrator within 30 days of commencement of the arbitration, failing which, upon request of any party, JAMS shall appoint such arbitrator. The third arbitrator, who shall serve as Chairperson of the arbitral panel, shall be appointed by JAMS pursuant to Rule 15 of the JAMS Rules. The arbitrators must apply the terms of this arbitration agreement, including without limitation, the waiver of class-wide arbitration set forth below.

(c) The place of arbitration shall be Miami, Florida.

(d) The cost of the arbitration proceeding, including, without limitation, each party's attorneys' fees and costs, shall be borne by the unsuccessful party or, at the discretion of the arbitrators, may be prorated between the parties in such proportion as the arbitrators determine to be equitable and shall be awarded as part of the award.

(e) The arbitration provisions set forth herein, and any arbitration conducted thereunder, shall be governed exclusively by the Federal Arbitration Act, Title 9 United States Code, to the exclusion of any state or municipal law of arbitration.

(f) RESTRICTIONS ON ARBITRATION: ALL DISPUTES, REGARDLESS OF THE DATE OF ACCRUAL OF SUCH DISPUTE, SHALL BE ARBITRATED ON AN INDIVIDUAL BASIS. YOU ARE WAIVING YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT, AND TO CERTAIN DISCOVERY AND OTHER PROCEDURES THAT ARE AVAILABLE IN A LAWSUIT. YOU ARE WAIVING, AND WILL NOT HAVE, THE RIGHT TO CONSOLIDATION OR JOINDER OF INDIVIDUAL DISPUTES OR ARBITRATIONS, TO HAVE ANY DISPUTE ARBITRATED ON A CLASS ACTION BASIS, OR TO PARTICIPATE IN A REPRESENTATIVE CAPACITY OR AS A MEMBER OF ANY CLASS PERTAINING TO ANY CLAIM SUBJECT TO ARBITRATION. FURTHER, YOU AND AAI AGREE THAT THE ARBITRATORS HAVE NO AUTHORITY TO ORDER CONSOLIDATION OR CLASS ARBITRATION OR TO CONDUCT ANY FORM OF REPRESENTATIVE OR CLASS-WIDE ARBITRATION PROCEEDINGS, AND ARE ONLY AUTHORIZED TO RESOLVE THE INDIVIDUAL DISPUTES BETWEEN YOU AND AAI ALONE.

(g) THE SCOPE, VALIDITY, EFFECT, AND ENFORCEABILITY OF THE FOREGOING WAIVER OF CLASS ACTION LAWSUIT AND REPRESENTATIVE OR CLASS-WIDE ARBITRATION ARE TO BE DETERMINED SOLELY AND EXCLUSIVELY BY THE FEDERAL DISTRICT COURT LOCATED IN THE SOUTHERN DISTRICT OF FLORIDA OR FLORIDA STATE COURT IN MIAMI- DADE COUNTY AND NOT BY JAMS OR ANY ARBITRATOR. IF A LAWSUIT IS FILED THE PARTIES AGREE THAT THE ARBITRATION SHALL BE IMMEDIATELY STAYED, BY AGREEMENT OR COURT ORDER, UNTIL THE COURT CASE IS RESOLVED AND ALL APPELLATE REVIEW IS EXHAUSTED. THE COST OF PROCEEDINGS UNDER THIS SECTION, INCLUDING, WITHOUT LIMITATION, EACH PARTY'S ATTORNEYS' FEES AND COSTS, SHALL BE BORNE BY THE UNSUCCESSFUL PARTY.

(h) WITHOUT WAIVING THE RIGHT TO APPEAL SUCH DECISION, SHOULD ANY PORTION OF SECTION 8(f) BE STRICKEN FROM THIS AGREEMENT OR DEEMED OTHERWISE INVALID OR UNENFORCEABLE, THEN THIS ENTIRE SECTION 8 (OTHER THAN THIS SENTENCE) SHALL BE STRICKEN FROM THIS AGREEMENT AND INAPPLICABLE, AND ANY AND ALL DISPUTES SHALL PROCEED IN FEDERAL DISTRICT COURT LOCATED IN THE SOUTHERN DISTRICT OF FLORIDA OR FLORIDA STATE COURT IN MIAMI-DADE COUNTY AND BE DECIDED BY A JUDGE, SITTING WITHOUT A JURY, ACCORDING TO APPLICABLE COURT RULES AND PROCEDURES, AND NOT AS A CLASS ACTION LAWSUIT OR ANY OTHER REPRESENTATIVE SUIT.

9. Time Limit for Filing Claims. As a condition precedent to recovery, all claims under this Agreement must be filed in writing or electronically with AAI within six (6) months of your constructive knowledge that the alleged issue occurred. Further, any demand for arbitration must be filed no later than one (1) year after your constructive knowledge that the alleged issue occurred. Where claims are not filed or arbitration is not instituted thereon in accordance with the foregoing provisions, such claims shall be deemed waived and will not be paid.

10. Indemnification. To the maximum extent permitted by law, you agree to defend, indemnify and hold harmless AAI, its affiliates and their respective directors, officers, employees and agents from and against any and all third party claims, actions, suits or proceedings, as well as any and all losses, liabilities, damages, costs and expenses (including reasonable attorney's fees) arising out of or accruing from (a) your breach of this Agreement, and (b) your use of AAI's services.

11. DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY. LIABILITY. THE AAI SERVICE IS PROVIDED BY AAI LLC ON AN "AS IS" AND "AS AVAILABLE" BASIS. AAI MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE AAI SERVICE OR THE INFORMATION, CONTENT, MATERIALS, PRODUCTS OR SERVICES INCLUDED ON THIS SITE. YOU EXPRESSLY AGREE THAT YOUR USE OF THE AAI SERVICE IS AT YOUR SOLE RISK AND THAT YOU ARE SOLELY RESPONSIBLE FOR THE ACCURACY OF THE PERSONAL INFORMATION THAT YOU PROVIDE.

TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, AAI DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. AAI DOES NOT WARRANT THAT THIS SITE, ITS SERVICES OR E-MAIL SENT FROM AAI ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. AAI (AS WELL AS ITS OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES AND STOCKHOLDERS) WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE OR FOR DISRUPTIONS IN THE AAI SERVICE, INCLUDING (WITHOUT LIMITATION) DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND CONSEQUENTIAL DAMAGES.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

12. Severabi ity. If any provision of this Agreement shall be ruled unenforceable, then the remainder shall be enforced to the extent permissible.

13. Entire Agre ment. This Agreement sets forth the entire agreement with respect to the subject matter hereof. This Agreement may not be altered, supplemented, or amended by the use of any other document(s).

Updated and Effective: Sept 1, 2023 This Privacy Policy reflects our privacy practices and standards as of the effective date. Let's Make a Lead, LLC ("LMAL") owns and operates Adopt-an-Insurer ("AAI") and we are committed to safeguarding your privacy. We want you to know how we may collect, use, share, and keep the information about you and the choices that are available to you. This Privacy Policy applies to all LMAL websites that link to this policy. Our websites are not intended for children under 13 years of age. We do not knowingly solicit data online from, or market online to, children under 13 years of age. We encourage you to read this Privacy Policy carefully when using our website or services. By using our website, you are accepting the practices described in this Privacy Policy. If you have any questions about our privacy practices, please refer to the end of this Privacy Policy for information on how to contact us.

INFORMATION WE COLLECT ABOUT YOU

We may collect personal information that can identify you such as your name, email address and other information. When you provide personal information through our website, the information may be sent to servers located in the United States and other countries around the world. We may collect and store any personal information you enter on our website or provide to us over the telephone. This includes identifying information, such as your name, address, e-mail address, telephone number and other personally identifiable information. We use various technologies to collect information from your computer and about your activities on our site. Information collected automatically. We automatically collect information from your browser when you visit our website. This information includes your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us (see "Cookies" below), and the referring website address. Cookies. When you visit our website, we may assign your computer one or more cookies, to facilitate access to our site and to personalize your online experience. Through the use of a cookie, we also may automatically collect information about your online activity on our site, such as the web pages you visit, the links you click, and the searches you conduct on our site. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that you may not be able to use some of the interactive features offered on our website. Other Technologies. We may use standard Internet technology, such as web beacons and other similar technologies, to track your use of our site. We also may include web beacons in promotional e-mail messages or newsletters to determine whether messages have been opened and acted upon. The information we obtain in this manner enables us to customize the services we offer our website visitors to deliver targeted advertisements and to measure the overall effectiveness of our online advertising, content, programming or other activities. Information collected by third parties. We may allow third parties, including our authorized service providers and advertising companies to display advertisements on our site. These companies may use tracking technologies, such as cookies, to collect information about users who view or interact with their advertisements. Our website does not provide any personal information to these third parties. This information allows them to deliver targeted advertisements and gauge their effectiveness.

HOW WE USE THE INFORMATION WE COLLECT

We may use information that we collect about you to: deliver the products and services that you have requested; manage your account and provide you with customer support; perform research and analysis about your use of, or interest in, our products, services, or content, or products, services or content offered by others; communicate with you by e-mail or telephone about products or services that may be of interest to you from us; communicate with you with regard to partially completed service requests; develop and display content and advertising tailored to your interests on our site; enforce our Terms of Use; publicly-display comments, ratings and reviews and other content provided by you; manage our business; and perform functions as otherwise described to you at the time of collection. WITH WHOM WE SHARE YOUR INFORMATION We want you to understand when and with whom we may share personal or other information we have collected about you or your activities on our web site or while using our services. We do not share your personal information with others except as indicated below or when we inform you and give you an opportunity to opt out of having your personal information shared. We may share personal information with: Authorized service providers: We may share your personal information with our authorized service providers that perform certain services on our behalf. These services may include fulfilling service requests, providing customer service and marketing assistance, performing business and sales analysis and supporting our website functionality. These service providers may have access to personal information needed to perform their functions but are not permitted to share or use such information for any other purposes. Professionals. We match your information and service request against our list of Professionals. When you submit a service request through our website, you consent to allowing us to provide your personal information and request to the Professionals we match with your request. Sharing this information with Professionals allows them to contact you using the e-mail address or other contact information you provided. In addition, we have other approved contractual partners that fulfill service requests, or that utilize their own Professionals to supplement our network, and we share your information with them in order to attempt to provide the services requested. Other Situations. We also may disclose your information: In response to a subpoena or similar investigative demand, a court order, or a request for cooperation from a law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as otherwise required by law. In such cases, we may raise or waive any legal objection or right available to us. When we believe disclosure is appropriate in connection with efforts to investigate, prevent, or take other action regarding illegal activity, suspected fraud or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees, or others; to comply with applicable law or cooperate with law enforcement; or to enforce our website terms and conditions or other agreements or policies. In connection with a substantial corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, or asset sale, or in the unlikely event of bankruptcy. Any third parties to whom we may disclose personal information may have their own privacy policies which describe how they use and disclose personal information. Those policies will govern use, handling and disclosure of your personal information once we have shared it with those third parties as described in this Privacy Policy. If you want to learn more about their privacy practices, we encourage you to visit the websites of those third parties. These entities or their servers may be located either inside or outside the United States.

HOW YOU CAN ACCESS YOUR INFORMATION

You can review and update your personal information by contacting us. More information about how to contact us is provided below. If certain information has already been provided to third parties as described in this Privacy Policy, retention of that information will be subject to those third parties' policies.

YOUR CHOICES ABOUT COLLECTION AND USE OF YOUR INFORMATION

At any time you can choose to no longer receive commercial or promotional emails or newsletters from us by opting out of receiving such messages by simply clicking on the unsubscribe link in the footer of any email from us or contact us at contact@adopt-a-contractor.com. It may take up to 10 days for us to process an opt-out request. We may send you other types of transactional e-mail communications without offering you the opportunity to opt out of receiving them

NEVADA PRIVACY RIGHTS

Under Nevada law, Nevada residents may opt out of the sale of certain "covered information" collected by operators of websites or online services. We currently do not sell covered information, as "sale" is defined by such law, and we don't have plans to sell this information. However, if you would like to be notified if we decide in the future to sell personal information covered by the Act, please go to contact@adopt-a- contractor.com to provide your name and email address. You are responsible for updating any change in your email address by the same method and we are not obligated to cross-reference other emails you may have otherwise provided us for other purposes. We will maintain this information and contact you if our plans change. At that time we will create a process for verifying your identity and providing an opportunity to verified consumers to complete their opt-out. Please become familiar with our data practices as set forth in this privacy policy. We may share your data as explained in this privacy policy, such as to enhance your experiences and our services, and those activities will be unaffected by a Nevada do not sell request. You may also have other choices regarding our data practices as set forth elsewhere in this privacy policy.

CALIFORNIA PRIVACY RIGHTS

If you are a resident of California, in addition to the rights set forth above, you have the right to request information from us regarding the manner in which we share certain categories of personal information with third parties for their direct marketing purposes. California law gives you the right to send us a request at a designated address to receive the following information: the categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year the names and addresses of the third parties that received that information; and if the nature of the third party's business cannot be determined from their name, examples of the products or services marketed. We may provide this information in a standardized format that is not specific to you. The designated email address for these requests is contact@adopt-a-contractor.com

CALIFORNIA CONSUMER ACT PRIVACY NOTICE

This California Consumer Act Privacy Notice ("CCPA Notice") applies to "Consumers" as defined by the California Consumer Privacy Act ("CCPA"). For the purpose of this CCPA Notice, personal information applies to "Personal Information" as defined by the CCPA (also referred to herein as "PI"). We collect and share the following categories of PI from the corresponding sources and for the corresponding purposes set forth in the table below. Category of Personal InformationSources of Personal InformationPurposes for CollectionCategories of Third Parties with whom Personal Information is sharedPurposes of Third Parties Receiving PI Identifiers (e.g. Name, Phone Number, Email Address, I.P. Address, Account Name)Directly from you; authentication partners;Delivering services requested by you; processing and managing interactions and transactions; Research and Development; quality assurance; improving AOC's services; security; fraud prevention; marketing; debuggingAOC affiliates; Service Professionals; Vendors which assist us in providing services and running our internal business operations ("Vendors")Performing services on behalf of AOC; processing and managing interactions and transactions; Research and Development; quality assurance; improving AOC's services; security; fraud prevention; marketing; debugging Personal Records (e.g. Name, Phone Number, Email Address)Directly from you; authentication partners;Delivering services requested by you; processing and managing interactions and transactions; Research and Development; quality assurance; improving AOC's services; security; fraud prevention; marketing; debuggingAOC affiliates; Service Professionals; VendorsPerforming services on behalf of AOC; processing and managing interactions and transactions; Research and Development; quality assurance; improving AOC's services; security; fraud prevention; marketing; debugging Consumer CharacteristicsData Enrichment ToolsDelivering services requested by you; marketingVendorsDelivering services requested by you; marketing Customer Account Details / Commercial Information(e.g. details of service requests)Directly from you; Data Enrichment Tools;Delivering services requested by you; processing and managing interactions and transactions; Research and Development; quality assurance; improving AOC's services; security; fraud prevention; marketing; debuggingAOC affiliates; Service Professionals; VendorsDelivering services requested by you; processing and managing interactions and transactions; Research and Development; quality assurance; improving AOC's services; security; fraud prevention; marketing; debugging Internet Usage Information(e.g. information regarding your interaction with our services)Directly from you; analytics partners; advertising partnersDelivering services requested by you; processing and managing interactions and transactions; Research and Development; quality assurance; improving AOC's services; security; fraud prevention; marketing; debugging measuring advertising efficacyVendorsDelivering services requested by you; processing and managing interactions and transactions; Research and Development; quality assurance; improving AOC's services; security; fraud prevention; marketing; debugging Sensory Data(e.g. recordings of customer service calls)Directly from youDelivering services requested by you; processing and managing interactions and transactions; Research and Development; quality assurance; improving AOC services; security; fraud preventionVendorsDelivering services requested by you; processing and managing interactions and transactions; Research and Development; quality assurance; security; fraud prevention Inferences from PI Collected(e.g. your preferences, likelihood of interest in certain of our services)Data Management providers; advertising partners; internal systemsDelivering services requested by you; Measuring advertising efficacy; marketing; improving AOC's servicesVendorsPerforming services on behalf of AOC; processing and managing interactions and transactions; quality assurance; improving AOC services; security; fraud prevention; marketing; debugging In addition, we may collect, use and disclose your PI as required or permitted by applicable law, or as directed by you, in accordance with this Privacy Policy. We do not "sell" personal information that we collect from you, in accordance with the definition of "sell" in the CCPA, and will treat personal information we collect from you as subject to a do not sell request. There is not yet a consensus as to whether third party cookies and tracking devices associated with our websites may constitute a "sale" of your PI as defined by the CCPA. You can exercise control over browser-based cookies by adjusting the settings on your browser. We do not represent that these third-party tools, programs or statements are complete or accurate. Some browsers have signals that may be characterized as do not track signals, but we do not understand them to operate in that manner or to indicate a do not sell expression by you so we currently do not recognize these as a do not sell request. We understand that various parties are developing do not sell signals and we may recognize certain such signals if we conclude such a program is appropriate. California Consumers have the right to exercise the privacy rights under the CCPA. California Consumers may exercise these rights via an authorized agent who meets the agency requirements of the CCPA. Any request you submit to us is subject to an identification and residency verification process ("Verifiable Consumer Request"). We will not fulfill your CCPA request unless you have provided sufficient information for us to reasonably verify you are the Consumer about whom we collected PI. Please follow the instructions below and respond to any follow up inquires we may make. Some personal information we maintain about Consumers is not sufficiently associated with enough personal information about the Consumer for us to be able to verify that it is a particular Consumer's personal information (e.g., clickstream data tied only to a pseudonymous browser ID). As required by the CCPA, we do not include that personal information in response to Verifiable Consumer Requests. If we cannot comply with a request, we will explain the reasons in our response. We will make commercially reasonable efforts to identify Consumer PI that we collect, process, store, disclose, and otherwise use and to respond to your California Consumer privacy rights requests. We will typically not charge a fee to fully respond to your requests, but we may charge a reasonable fee, or refuse to act upon a request, if your request is excessive, repetitive, unfounded, or overly burdensome. To make a request according to your right to request deletion of your PI set forth below, you may send a request by email (including the email address that you have used to transact with AOC) to contact@adopt- a-contractor.com. You have the right to send us a request, no more than twice in a twelve-month period, for any of the following for the period that is twelve months prior to the request date, by sending a request by email (including the email address that you have used to transact with AOC) to contact@adopt-a-contractor.com. The categories of PI we have collected about you. The categories of sources from which we collected your PI. The business or commercial purposes for our collecting or selling your PI. The categories of third parties to whom we have shared your PI. The specific pieces of PI we have collected about you. A list of the categories of PI disclosed for a business purpose in the prior 12 months, or that no disclosure occurred. A list of the categories of PI sold about you in the prior 12 months, or that no sale occurred. If we sold your PI, we will explain: The categories of your PI we have sold. The categories of third parties to which we sold PI, by categories of PI sold for each third party. You have the right to make or obtain a transportable copy, no more than twice in a twelve-month period, of your PI that we have collected in the period that is 12 months prior to the request date and are maintaining, by sending a request by email (including the email address that you have used to transact with AOC) to contact@adopt-a-contractor.com Please note that PI is retained by us for various time periods, so we may not be able to fully respond to what might be relevant going back 12 months prior to the request. Except to the extent we have a basis for retention under CCPA, you may request that we delete your PI that we have collected directly from you and are maintaining. Note also that we are not required to delete your PI that we did not collect directly from you. We will not discriminate against you in a manner prohibited by the CCPA because you exercise your CCPA rights. However, we may charge a different price or rate, or offer a different level or quality of good or service, to the extent that doing so is reasonably related to the value of the applicable data.

SALE

In cases where we cannot match you with a Professional within the AOC network, we may sell your identifying contact information as well as the nature of your request to our partner network in an attempt to fulfill your request. In the event you make a do not sell request, we will not match you with any of those partner networks in the future. There is not yet a consensus as to whether third party cookies and tracking devices associated with our websites may constitute a "sale" of your PI as defined by the CCPA. You can exercise control over browser-based cookies by adjusting the settings on your browser. Further, you can learn more about your choices regarding certain kinds of online interest-based advertising here. We do not represent that these third-party tools, programs or statements are complete or accurate.

VISITING OUR WEBSITES FROM OUTSIDE THE UNITED STATES

This Privacy Policy is intended to cover collection of information on our website from residents of the United States. If you are visiting our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this privacy policy.

NO RIGHTS OF THIRD PARTIES

This Privacy Policy does not create rights enforceable by third parties or require disclosure of any personal information relating to users of the website.

CHANGES TO THIS PRIVACY POLICY

We will occasionally update this Privacy Policy to reflect changes in our practices and services. When we post changes to this Privacy Policy, we will revise the "Updated and Effective Date" at the top of this Privacy Policy. If we make any material changes in the way we collect, use, and/or share your personal information, we will notify you by posting the updated policy on our website, with a link denoting that the policy has been updated. We recommend that you check our website from time to time to inform yourself of any changes in this Privacy Policy or any of our other policies. To see the prior version of the AAI Privacy Policy you may send a written request to Adopt-an-Insurer, 20200 W Dixie Hwy, Suite 1109, Miami, FL 33180.

HOW TO CONTACT US

If you have any questions about this Privacy Policy or our information-handling practices, or if you would like to request information about our disclosure of personal information to third parties for their direct marketing purposes, please contact us by e-mail or postal mail as follows:
Privacy Policy Inquiry
Let's Make a Lead, Inc.
20200 W Dixie Hwy. Suite 1109
Miami, FL 33180
contact@adopt-a-contractor.com