Terms of Use

We operate a marketing lead generation website. We are not an insurance company, agency, broker or producer. We do not sell, solicit, negotiate or bind insurance, we do not provide insurance advice, and we do not guarantee that any policy, quote, rate or coverage will be offered to you.

When you submit a request, we share your information with third-party insurance companies, agents, brokers and lead marketplaces (“Partners”) who may contact you. Any policy you ultimately purchase is a contract between you and that insurer — not with us. Rates, terms, availability and eligibility are determined solely by the insurer and are subject to underwriting.

You must be at least 18 years old and a resident of the United States to use this website. By submitting a request you represent that you meet these requirements and that you are the owner or authorised occupant of the property described, or are otherwise authorised to provide the information you submit.

When you click the submit button on our quote form, you provide your electronic signature and express written consent to be contacted at the telephone number, email address and postal address you provide, by us and by our Partners, using the methods described in the disclosure shown on the form — including automated dialling technology, artificial or pre-recorded voice messages, AI-generated voice, and SMS/MMS text messages — even if the number is listed on any federal or state Do Not Call registry.

• Consent is not a condition of purchasing any goods or services.
• Message and data rates may apply and message frequency varies.
• You may revoke consent at any time — reply STOP to texts, use the unsubscribe link in emails, or use our opt-out form.
• A record of your interaction with our form is created and stored, including a third-party TrustedForm certificate, as evidence of the consent you gave.

You can review the businesses that may contact you on our Marketing Partners page, and opt out at any time via Do Not Sell or Share My Information.

You agree to provide accurate, current and complete information and to submit only your own information, or information you are authorised to submit. You may not submit another person's contact details without their permission. Inaccurate information may result in quotes that do not reflect the terms actually available to you.

You agree not to:

• Submit false, fraudulent, automated or duplicate requests
• Use bots, scrapers or other automated means to access, copy or interfere with the site
• Attempt to gain unauthorised access to our systems, or probe, scan or test their security
• Interfere with the proper operation of the site or impose an unreasonable load on our infrastructure
• Use the site for any unlawful purpose or in violation of these Terms

The site and its content, including text, design, graphics and code, are owned by us or our licensors and are protected by intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable licence to access and use the site for your personal, non-commercial use. All other rights are reserved.

The site — including the confirmation page shown after you submit a request — may contain links or offers from third parties, such as home warranty, solar or other home services providers, and may include click-to-call advertising. We may be compensated when you interact with these offers. We do not control and are not responsible for third-party websites, products, services or content, and inclusion of an offer is not an endorsement. Your dealings with third parties are solely between you and them.

The site is provided “as is” and “as available” without warranties of any kind, whether express, implied or statutory, including implied warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. We do not warrant that the site will be uninterrupted, error-free or secure, that any information is accurate or complete, or that you will receive any quote, contact or coverage. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.

To the maximum extent permitted by law, we and our officers, employees and agents will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, data or goodwill, arising out of or relating to your use of the site or any contact you receive from a Partner, whether based in contract, tort, statute or otherwise, even if advised of the possibility of such damages. Our total aggregate liability arising out of or relating to the site will not exceed one hundred US dollars (US$100).

You agree to indemnify and hold us harmless from any claims, losses, liabilities, damages, costs and expenses (including reasonable legal fees) arising out of your use of the site, your breach of these Terms, your violation of any law, or your submission of information you were not authorised to provide.

11.1 Informal resolution first

Most concerns can be resolved quickly without formal proceedings. Before starting an arbitration, you and we agree to first attempt to resolve the dispute informally for at least 60 days after written notice of the dispute is sent. Your notice must be sent to legal@haloprotected.com and must include your name, contact details, the facts of the dispute and the relief you seek; our notice will be sent to the email address you provided. Completing this process is a condition precedent to starting an arbitration, and the applicable limitation period is tolled while it is under way.

11.2 Agreement to arbitrate

Except as set out in section 11.4, you and we agree that any dispute, claim or controversy arising out of or relating to these Terms, the website, your submission, or any contact you receive as a result of your submission — whether based in contract, tort, statute, fraud, misrepresentation or any other legal theory, and whether arising before or after termination of these Terms — shall be resolved by final and binding individual arbitration, and not in a court of law.

11.3 Class action and jury trial waivers

You and we each waive any right to a jury trial, and agree that disputes will be brought only in an individual capacity and not as a plaintiff or class member in any purported class, collective, consolidated, coordinated, private attorney general or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding. If this paragraph is found unenforceable as to a particular claim or request for relief, that claim or request shall be severed and determined in court, while all other claims proceed in arbitration.

11.4 Exceptions to arbitration

Either party may, notwithstanding the above:

• bring an individual claim in small claims court, provided the claim qualifies and remains in that court (claims at or below US$10,000);
• seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement or misuse of intellectual property or unauthorised access to systems;
• report a concern to any federal, state or local government agency — nothing in these Terms prevents you from doing so, and such agencies may seek relief on your behalf.

11.5 Arbitration rules, forum and costs

Notwithstanding any choice of law provision in these Terms, the parties acknowledge that these Terms evidence a transaction involving interstate commerce and that the Federal Arbitration Act, 9 U.S.C. § 1 et seq., governs the interpretation and enforcement of this arbitration agreement. The arbitration will be administered by the American Arbitration Association (AAA) under its AAA Consumer Arbitration Rules, available at adr.org, as modified by these Terms, before a single arbitrator. If that administrator is unavailable or unwilling to administer the arbitration consistent with these Terms, the parties will agree on a replacement, failing which a court of competent jurisdiction may appoint one.

Arbitration may be conducted on the documents alone, by telephone or by video where the rules permit. Any in-person hearing will take place in Wilmington, Delaware, or — at your election — in the county where you reside. Payment of filing, administration and arbitrator fees is governed by the administrator's rules, and we will pay or reimburse those fees to the extent required by those rules or applicable law. The arbitrator may award any relief available in court to the individual party seeking it, and the arbitrator's award may be entered as a judgment in any court of competent jurisdiction.

11.6 Mass arbitration

If 25 or more similar demands for arbitration are filed against us by or with the assistance of the same or coordinated counsel, the parties agree the demands shall be administered in staged batches of no more than 50 demands at a time, with a single arbitrator appointed per batch, in order to increase efficiency and reduce costs. Limitation periods are tolled for demands awaiting a batch.

11.7 Your right to opt out of arbitration

You may reject this arbitration agreement within 30 days of first accepting these Terms by emailing legal@haloprotected.com with your name, the phone number and email address you submitted, and a clear statement that you wish to opt out of arbitration. Opting out affects only section 11; the remainder of these Terms continues to apply, and opting out will not affect the services available to you.

11.8 Severability and survival

If any part of this section 11 is found unenforceable, that part shall be severed and the remainder shall continue in effect, except that if section 11.3 (class action waiver) is found unenforceable in its entirety, then this entire section 11 shall be void. This section survives termination of these Terms.

Except as otherwise provided in section 11, and to the extent permitted by applicable law, these Terms are governed by the laws of the State of Delaware, without regard to its conflict of law principles. For any dispute not subject to arbitration, you agree to exclusive personal jurisdiction and venue in the state and federal courts located in New Castle County, Delaware.

Nothing in these Terms deprives you of the protection of mandatory consumer protection provisions of the law of the state or country in which you reside, or limits any right you have to bring a claim under applicable federal or state statute where such limitation is not permitted.

We may modify these Terms at any time by posting the revised version with an updated date; continued use constitutes acceptance. We may suspend or terminate access to the site at any time without notice. If any provision is found unenforceable, the remaining provisions remain in full force. Our failure to enforce a provision is not a waiver of it. These Terms, together with our Privacy Policy, form the entire agreement between you and us regarding the site.

Questions about these Terms: support@haloprotected.com.