Terms and conditions

Last modified: January 1st, 2024

Terms of service

Please read the PathQuote Terms of Service carefully before using PathQuote’s website, www.PathQuote.com, (the “Site”). By using the Site, you agree to be bound by these Terms of Service. If you do not agree with any part of these Terms of Service, you must not use the Site. Your continued use of the Site will constitute your acceptance of the terms and may be modified by PathQuote at any time without notice to you. Please check this page regularly for updates.

Permitted use

All of the content in the Site is made available only for your personal, lawful, non-commercial use in connection with seeking offers or services. Use of the Site by a competitor company or other non-consumer third party is prohibited.

Except as expressly mandated by law, you may not, without our prior written permission: (i) link from another website to the Site; (ii) post, transmit, copy, modify, create derivative works from, distribute, sell, or republish anything you obtain or download from the Site; or (iii) engage in systematic retrieval of data or other content from the Site.

Copyright and trademarks

Except as otherwise indicated, all materials in the Site, including without limitation the PathQuote logo and other PathQuote trademarks and service marks, are the property of PathQuote and/or its affiliates or licensors and are protected by international copyright and trademark laws, all rights reserved. You may use materials obtained from the Site for the permitted purposes set forth in these Terms of Service, provided that the following copyright notice appears in all copies of any downloaded or printed materials: “© 2024 PathQuote.com All rights reserved.” Any other use is prohibited.

Products and services

The information and materials provided in the Site are intended for general reference only, and may not describe all of the terms, conditions, and exceptions applicable to PathQuote’s products and services. All coverages are subject to the terms and conditions of the insurance policies issued. Coverages and their availability may vary by state and your individual circumstances, and additional minimum coverage limits may be required in your state. The products and services offered in the Site are only available in the jurisdictions in which PathQuote is properly licensed.

Privacy and passwords

PathQuote values and protects the privacy of your information. Please review our Privacy Policy, as it contains important information relating to your use of the Site.

Some portions of the Site are protected and require a user identification code (“User ID”) and password for access. Unauthorized access or use of such portions of the Site is prohibited. You agree that you will notify PathQuote immediately if you believe that a third party has obtained your User ID or password, or if you believe that any unauthorized access or use may occur or has occurred. For your protection, if PathQuote believes that any unauthorized access may occur or has occurred, PathQuote may terminate such access without prior notice to you. You also agree that PathQuote is permitted to act upon any instructions received using your User ID and password and to consider such instructions as authorized by you.

Third-party sites

At times, the Site may have links to websites hosted by other parties (“Third-Party Sites”), or such Third-Party Sites may have links to the Site. These links are offered as a convenience and for informational purposes only, not as referrals or endorsements by PathQuote of the Third-Party Sites. The Third-Party Sites are maintained by their respective organizations, and those organizations are solely responsible for the content of their own websites. PathQuote does not verify nor make any warranty or representation about the content, accuracy, opinions expressed, warranties, products or services, intellectual property compliance, or links of such Third-Party Sites. You should read the privacy policies and Terms of Service agreements of all Third-Party Sites.

Disclaimer of warranties

All information, products, content and other materials in the Site, accessible from the Site, or in a Third-Party Site are provided “as is” and without warranties or representations of any kind, either express or implied. This means that PathQuote expressly disclaims all warranties, express or implied, including without limitation the warranties of title and non-infringement and the implied warranties of merchantability and fitness for a particular purpose. In addition, PathQuote does not represent or warrant that: (i) the operation of the Site will be error-free or uninterrupted; (ii) defects will be corrected; (iii) the Site, any emails sent by PathQuote, or the server that makes the Site available are free of viruses or other harmful devices; (iv) the Site will be available to you or that you will qualify for products or services offered; (v) the materials in the Site will be accurate as of any particular date; or (vi) the products or services offered through the Site are available outside of the United States or in jurisdictions in which PathQuote is not properly licensed. If you are in a state that does not allow a disclaimer of implied warranties, the above disclaimer or a portion of it may not apply to you.

Limitation of liability

PathQuote shall not be liable for any loss, damage, injury, or claim, nor any special, indirect, incidental, consequential, exemplary or punitive damages of any kind, whether such action is based in tort, contract, negligence, strict liability, or otherwise and even if PathQuote has been advised of the possibility of such damages, which arises out of or relates in any way to: (i) the Site, materials in the Site, or the inability to use the Site; (ii) any Third-Party Site, materials in any Third-Party Site, or the inability to use any Third-Party Site; (iii) any defect, omission, error, interruption, delay, or computer virus; or, (iv) except as a result of PathQuote’s gross negligence or intentional actions, the unauthorized alteration of or access to your transmissions or personal data.

If you are in a state that does not allow the limitation of liability for certain damages, the above limitation of liability or a portion of it may not apply to you. However, you agree in any event that PathQuote’s total liability for all damages, losses, injuries, or claims of any kind or nature shall be limited to the amount you have paid to access the Site.

Jurisdiction and termination

These Terms of Service and your use of the Site are governed in all respects by the laws of the State of Nevada, without giving effect to any principles of conflicts of laws. Any dispute concerning the Site or these Terms of Service shall be subject to the exclusive venue of a court of competent jurisdiction in Las Vegas, NV.

In the event that a court of competent jurisdiction holds any provision of these Terms of Service to be invalid or unenforceable, then such provision shall be severable from and shall not affect the validity or enforceability of the remaining provisions.

These Terms of Service are effective until terminated by either party. You may terminate these Terms of Service without notice to PathQuote by discontinuing all use of the information contained in the Site and destroying the materials you have obtained from the Site, including all related documentation and copies. PathQuote may terminate these Terms of Service and/or the products or services offered by PathQuote at any time without notice to you if, in our sole judgment, you breach any term or condition of these Terms of Service. Upon termination, you must discontinue all use of the information contained in the Site and destroy the materials you have obtained from PathQuote, including all related documentation and copies. PathQuote is also entitled to terminate all or part of the Site at any time, without notice to you. These Terms of Service state the entire agreement with regard to the items discussed above.