Terms and Conditions

Welcome to www.GetYourQuotes.net (the “Site”). These Terms and Conditions (“Terms”) govern your access to and use of the Site and any related services provided by First Call Solutions (“FCS,” “we,” “us,” or “our”). By using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Acceptance of Terms

By accessing the Site, you represent that you are at least 18 years old or have obtained parental consent, and that you have the legal capacity to enter into this agreement. These Terms may be updated from time to time without prior notice. Your continued use of the Site after any changes constitutes acceptance of the revised Terms.

2. Use of the Site

You agree to use the Site only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Site. Prohibited conduct includes, but is not limited to:

• Violating any applicable laws or regulations.
• Transmitting malware, viruses, or any code of a destructive nature.
• Attempting to gain unauthorized access to any portion of the Site.
• Harassing, abusing, or harming another person.

3. User Accounts

If you create an account on our Site, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account. We reserve the right to suspend or terminate accounts that violate these Terms.

4. Quote Requests & Information

Our Site allows you to request insurance, financial, or service quotes. Any information you submit must be accurate, complete, and current. We reserve the right to refuse or cancel any quote request if we suspect fraudulent or misleading information. Submitting a quote request does not guarantee any final offer; all quotes are subject to verification and approval by relevant third-party providers.

5. SMS & Phone Consent (TCPA Compliance)

By providing your phone number and submitting a quote request, you expressly consent to receive automated calls, text messages, and prerecorded messages from FCS and its partners regarding your quote request, account status, and promotional offers. Consent is not a condition of purchase. Message and data rates may apply. You may opt out at any time by replying “STOP” to any text message or contacting us directly.

6. Payments & Refunds

If you purchase any paid services through our Site, you agree to provide accurate payment information. All fees are non-refundable unless otherwise stated in a specific service agreement. We may use third-party payment processors, and you agree to their terms as well. Any chargebacks or disputes may result in termination of services.

7. Intellectual Property Rights

All content, features, and functionality on the Site – including text, graphics, logos, icons, images, and software – are the exclusive property of First Call Solutions or its licensors and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, or publicly display any content without our prior written consent.

8. Third-Party Links & Services

The Site may contain links to third-party websites or services that are not owned or controlled by us. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites. You acknowledge and agree that FCS shall not be liable for any damage or loss caused by your use of any such third-party services.

9. Disclaimer of Warranties

THE SITE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, FIRST CALL SOLUTIONS DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FIRST CALL SOLUTIONS, ITS DIRECTORS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THESE TERMS SHALL NOT EXCEED $100.

11. Indemnification

You agree to indemnify, defend, and hold harmless First Call Solutions and its officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to your violation of these Terms or your misuse of the Site.

12. Termination

We may suspend or terminate your access to the Site at any time, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms. Upon termination, your right to use the Site will cease immediately.

13. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of Connecticut, without regard to its conflict of law provisions. Any legal action arising out of these Terms shall be brought exclusively in the state or federal courts located in Hartford County, Connecticut.

14. Arbitration & Class Action Waiver

Any dispute arising out of or relating to these Terms or your use of the Site shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in Hartford, CT, rather than in court. You waive the right to participate in a class action lawsuit or class-wide arbitration. Judgment on the arbitration award may be entered in any court having jurisdiction.

15. Force Majeure

We shall not be liable for any delay or failure to perform resulting from causes outside our reasonable control, including but not limited to acts of God, war, terrorism, riots, embargos, cyberattacks, natural disasters, or internet outages.

16. Electronic Communications

By using the Site, you consent to receive electronic communications from us (e.g., via email or posted notices). You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.

17. Assignment

We may assign or transfer these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, or sale of assets. You may not assign these Terms without our prior written consent.

18. Severability & Waiver

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision shall not be deemed a waiver of such right or provision.

19. Contact Information

If you have any questions about these Terms, please contact us:

Entire Agreement: These Terms, together with our Privacy Policy and any other legal notices published on the Site, constitute the entire agreement between you and First Call Solutions regarding your use of the Site and supersede any prior agreements.