1. About EQ Expertz

EQ Expertz is an independent, non-government marketing platform and insurance agency. We provide consumers with complimentary access to insurance quotes, information, and consultations across Medicare, Health, Life, Auto, Home, Final Expense, Hospital Indemnity, and SSDI benefits. We are not affiliated with or endorsed by any government agency, including the Centers for Medicare & Medicaid Services (CMS) or the Social Security Administration (SSA).

Our licensed agents work with top-rated insurance carriers, brokers, and marketing partners to help you find coverage that best fits your needs and budget. Coverage availability, eligibility, and pricing vary by state and individual circumstances.

2. Acceptance of Terms

By accessing our website, submitting a quote request, calling our toll-free number, or otherwise using our services, you acknowledge that you have read, understood, and agreed to these Terms & Conditions, as well as our Privacy Policy. You represent that you are at least 18 years of age and legally capable of entering into a binding agreement.

3. Use of Our Services

You agree to use our website and services only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit the use and enjoyment of our services by any third party. You agree not to:

• Submit false, misleading, or inaccurate information.
• Use our services for any fraudulent, unlawful, or unauthorized purpose.
• Attempt to gain unauthorized access to our systems, servers, or networks.
• Interfere with or disrupt the operation of our website or services.
• Use automated systems, bots, or scrapers to access or collect data from our website without written permission.
• Reproduce, duplicate, copy, sell, or exploit any portion of our services without express written consent.

4. Insurance Quotes and Information

All insurance quotes, information, and consultations provided through our website or by our licensed agents are for informational purposes only and do not constitute a binding offer of insurance. Final rates, terms, and coverage are determined by the insurance carrier and are subject to underwriting, verification, and applicable state regulations.

We do not guarantee that you will be approved for coverage or that you will receive a specific rate. Submitting a quote request does not create an insurance policy, agent-client relationship, or any obligation on the part of EQ Expertz or its partners.

5. TCPA Consent and Communication

By providing your contact information, including your phone number and email address, you expressly consent to be contacted by EQ Expertz and its partners, carriers, licensed agents, and marketing affiliates via telephone, text message (SMS), email, automatic dialing systems, pre-recorded calls, and artificial voice messages.

Standard message and data rates may apply. Message frequency varies. You are responsible for any charges imposed by your mobile carrier.

6. Sharing of Information

By submitting your information through our website or by calling our toll-free number, you consent to our sharing your information, including your name, address, email, phone number, and date of birth, with insurance companies, licensed agents, brokers, and other third-party marketing partners. These companies may use your information to provide you with insurance offers and related services.

For more details on how we collect, use, and share your information, please refer to our Privacy Policy.

7. Verification Through Consumer Reporting Agencies

By using our website or services, you acknowledge and agree that each insurance company receiving your quote request may verify your information through a consumer reporting agency. This verification may include your driving record, credit score, claims history, and other relevant data. This information is used to determine eligibility and accurate insurance rates.

8. Third-Party Services and Links

Our website may contain links to third-party websites, including those of insurance carriers, marketing partners, and service providers. We do not control, endorse, or assume responsibility for the content, privacy practices, or accuracy of any third-party website. Your use of any third-party website is at your own risk and subject to that website's terms and conditions.

9. Intellectual Property

All content on our website, including text, graphics, logos, images, icons, software, and the overall design, is the property of EQ Expertz or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, transmit, or use any content from our website without our express written permission.

10. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. To the fullest extent permitted by law, EQ Expertz disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that our website will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or reliability of any information obtained through our website or services.

11. Limitation of Liability

In no event shall the total liability of EQ Expertz to you for all claims arising out of or relating to the use of our website or services exceed one hundred U.S. dollars ($100.00). Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.

12. Indemnification

You agree to indemnify, defend, and hold harmless EQ Expertz, its officers, directors, employees, agents, and partners from and against any and all claims, liabilities, damages, losses, costs, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of our website or services, your violation of these Terms & Conditions, or your infringement of any third-party rights.

13. Compliance with Laws

You agree to comply with all applicable federal, state, and local laws, regulations, and ordinances in connection with your use of our website and services. This includes, but is not limited to, laws governing telemarketing, electronic communications, insurance marketing, and consumer protection.

EQ Expertz complies with the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, and applicable state insurance regulations. However, we are not responsible for the actions or omissions of third-party carriers, agents, or marketing partners.

14. Compensation Disclosure

To keep our services accessible for consumers, EQ Expertz receives financial compensation, commissions, or referral fees from the third-party insurance providers, brokers, and marketing partners featured on our website. This compensation may be generated when a user requests a quote, calls a listed phone number, submits personal data, or purchases an insurance policy through our network.

While we partner with a select group of trusted insurance providers, our receipt of compensation may influence which brands or offers are displayed and the order in which they appear. This compensation does not result in any additional fees, higher premiums, or added costs to you as the consumer.

15. Modifications to Terms

We reserve the right to modify, update, or replace these Terms & Conditions at any time, at our sole discretion. When we make material changes, we will post the updated terms on this page with a revised "Last Updated" date. Your continued use of our website or services after any changes constitutes your acceptance of the updated terms. We encourage you to review this page periodically.

16. Termination

We reserve the right to suspend, restrict, or terminate your access to our website or services at any time, without notice, for any reason, including but not limited to your violation of these Terms & Conditions or applicable laws. Upon termination, all provisions of these terms that by their nature should survive will remain in effect.

17. Governing Law and Dispute Resolution

These Terms & Conditions shall be governed by and construed in accordance with the laws of the United States and the state in which EQ Expertz operates, without regard to its conflict of law principles. Any dispute arising out of or relating to these terms or your use of our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, rather than in court.

You agree that any arbitration shall be conducted on an individual basis and not as a class action or representative proceeding. If any provision of these terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

18. Severability

If any provision of these Terms & Conditions is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions shall continue in full force and effect.

19. Entire Agreement

These Terms & Conditions, together with our Privacy Policy and any other agreements or policies referenced herein, constitute the entire agreement between you and EQ Expertz regarding your use of our website and services, and supersede all prior or contemporaneous communications and proposals, whether oral or written.

20. Contact Us

If you have any questions, concerns, or requests regarding these Terms & Conditions, please contact us: