By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law.

1. Permission is granted to access the quote engine on FexQuotes' web site for comparing rates from various competing insurers. This is the grant of a license, not a transfer of title, and under this license you may not:
   1. modify the materials;
   2. use the materials for any commercial purpose other than sale or solicitation of insurance, or for any public display.
   3. attempt to decompile or reverse engineer any software contained on FexQuotes's web site;
   4. manually or programatically scrape rates for collection and/or aggregation purposes outside of our website(s);
   5. remove any copyright or other proprietary notations from the materials; or
   6. transfer the materials to another person or "mirror" the materials on any other server.
   7. share or transfer your access key.
2. This license shall automatically terminate if you violate any of these restrictions and may be terminated by FexQuotes at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.

1. The materials on FexQuotes's web site are provided "as is". FexQuotes.com has made every reasonable effort to assure the accuracy of this information. However, we make no warranties or guarantees to the accuracy of this information. While we strive to maintain an accurate database of current rates, human and rounding errors can occur and therefore we cannot guarantee accuracy. While it is our goal to give you the most accurate quote possible, the actual premium will be determined by the insurer. FexQuotes makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.

The FexQuotes rating system is a comparative rating tool and should not be considered a substitute or replacement for the individual carrier's published rates or propietary rating system. In all cases, the individual company's published rates and rating tools shall be considered the authoritative answer with respect to calculated premiums.

In no event shall FexQuotes or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on FexQuotes's Internet site, even if FexQuotes or a FexQuotes authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

The materials appearing on FexQuotes's web site could include technical, typographical, or photographic errors. FexQuotes does not warrant that any of the materials on its web site are accurate, complete, or current. FexQuotes may make changes to the materials contained on its web site at any time without notice. FexQuotes does not, however, make any commitment to update the materials.

FexQuotes provides online subscription services to its website for its clients. We are committed to 100% client satisfaction and offer a no questions asked 30 day refund policy on annual subscriptions.

Prospective clients are not charged for any free trial period. For all subscriptions and upgrades, you may cancel during the first 30 days (calculated from the date of purchase or renewal date plus any free trial period, if applicable) and receive a full refund. If the cancellation occurs after the first 30 days, you will not receive a refund. Monthly subscriptions may be cancelled at any time but you are not eligible for a refund.

Clients may cancel their renewal subscription to FexQuotes online services by clicking on the cancellation link in the billing tab within your profile. If you cancel your subscription but are not eligible for a refund, you will retain access to your client account until your subscription expires.

All eligible refunds will be processed back to the credit card that was originally used for purchase. Eligible refunds are processed within 1 business day. Please allow up to 5 business days for the refund to be credited back to your account.

FexQuotes has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by FexQuotes of the site. Use of any such linked web site is at the user's own risk.

Subscribers to FEXQuotes agree to receive text messages from FEXQuotes or our subsidiaries or affiliates (hereinafter, “We,” “Us,” “Our”) (the “Service”), you agree to these Text Messaging Terms and Conditions (the “Agreement”). Your participation in the Service is also subject to our and , which are expressly incorporated by reference herein. This Agreement is not intended to modify other Terms and Conditions or Privacy Policy that may govern the relationship between you and Us in other contexts.

8a. Providing Telephone Numbers and Duty to Notify: You verify that the mobile number provided to Us is true and accurate. You verify that you are the current subscriber or owner of any telephone number that you provide. Should any of your contact information change, including ownership of your telephone numbers, you agree to immediately notify us before the change goes into effect by emailing us at support@fexquotes.com.

8b. Your Consent to Receive Automated Calls/Texts: You acknowledge that by voluntarily providing your telephone number(s), you expressly agree to receive recurring automated text messages (such as SMS, MMS, or successor protocols or technologies) from Us concerning Our products, services, offers, promotions, and transactions, as well as your relationship with Us. You understand that consent is not required to make any purchase from Us. Message and data rates may apply.

8c. Opt Out Instructions: Your consent to receive automated texts is completely voluntary. You may opt-out at any time. To opt out of text messages, reply STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to any mobile message from Us, or email support@fexquotes.com and specify that you want to opt out of text messages. You may also text HELP or email us at support@fexquotes.com for help. You acknowledge and agree to accept a final text message confirming your opt-out.

FexQuotes may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

Any claim relating to FexQuotes's web site shall be governed by the laws of the State of Florida without regard to its conflict of law provisions.