Terms and Conditions

Important Disclaimer

Policy Match Hub is a marketing and lead generation platform. We are not an insurance company, broker, or agency, and we do not provide insurance, legal, or financial advice.

All products, quotes, and services are provided by independent, licensed third-party providers (“Partners”).

1. Services Provided and Our Role

Policy Match Hub connects consumers with licensed insurance agents, carriers, and service providers.

- We do not provide insurance services directly

- We do not guarantee quotes, coverage, or approval

- We do not act as your agent or representative

By submitting your information, you are requesting to be matched with one or more Partners who may contact you.

2. Engagement with Partners

2.1 No Professional Relationship

Using our Website does not create:

- an insurance agent-client relationship

- a financial or advisory relationship

Any relationship is formed only after you engage directly with a Partner.

2.2 Partner Services & Fees

- Partners may offer services, quotes, or policies
- Partners determine their own pricing, terms, and eligibility

- Policy Match Hub is not responsible for:

- pricing

- policy terms

- coverage decisions

3. No Guarantee of Results

We do not guarantee:

- eligibility for insurance

- approval for coverage

- specific pricing or rates

- any financial outcome

Results vary based on your situation and the Partner you work with.

4. Consent to Be Contacted (TCPA Disclosure)

By submitting your information, you provide express written consent to be contacted by:

- Policy Match Hub

- Our affiliates

- Our Partners

Via:

- phone calls

- text messages (SMS/MMS)

- email

This may include:

- automated dialing systems

- prerecorded or artificial voice messages

You agree to be contacted even if your number is on a Do Not Call list.

You may opt out at any time by:

- following opt-out instructions

- replying STOP to text messages

- contacting us at [email protected]

5. Lead Distribution & Compensation Disclosure

Policy Match Hub may:

- receive compensation for connecting you with Partners

- share your information with multiple providers

- distribute leads to affiliates, buyers, and partners

We aim to work with compliant, licensed providers but do not control their actions or representations.

6. Limitation of Liability

To the fullest extent permitted by law:

Policy Match Hub and its owners, employees, and partners shall not be liable for:

- direct or indirect damages

- loss of data, profits, or opportunities

- actions taken by third-party Partners

- decisions made based on information provided

- Use of the Website is at your own risk.

7. Disclaimer of Warranties

The Website and services are provided “as is” and “as available.”

We make no warranties regarding:

- accuracy of information

- availability of the Website

- results from using our services

We disclaim all warranties, including:

- merchantability

- fitness for a particular purpose

- non-infringement

8. User Responsibilities

You agree to:

- Provide accurate and truthful information

- Use the Website lawfully

- Not submit misleading or fraudulent data

- Not interfere with Website operations

- You are responsible for any information you submit.

9. Indemnification

You agree to indemnify and hold harmless Policy Match Hub from any claims, damages, or expenses arising from:

- your use of the Website

- violation of these Terms

- infringement of third-party rights

10. Intellectual Property

All Website content (logos, text, design, etc.) is owned by Policy Match Hub or its licensors.

You may not:

- copy

- reproduce

- distribute

- modify

without written permission.

11. Privacy

Your use of the Website is also governed by our Privacy Policy.

Please review it to understand how we collect and use your information.

12. Third-Party Links

We may link to third-party websites.

We are not responsible for their content or privacy practices.

13. Data Monitoring

We may collect and analyze usage data to:

- improve performance

- ensure compliance

- optimize marketing

14. Termination

We may suspend or terminate access to the Website at any time, for any reason, without notice.

15. Governing Law

These Terms shall be governed by the laws of the state of Texas, United States, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or relating to these Terms or the use of the Website shall be exclusively brought in the state or federal courts located in Houston, Texas.

16. Dispute Resolution

You agree that any disputes may be resolved through:

- binding arbitration OR

- applicable courts within the governing state

17. Changes to Terms

We may update these Terms at any time.

Changes will be posted with an updated “Last Updated” date.

18. Electronic Communications

By using the Website, you consent to receive communications electronically, including:

- emails

- notices

- disclosures

These satisfy legal requirements for written communication.

19. Severability

If any part of these Terms is found unenforceable, the remaining provisions will remain in effect.

20. Entire Agreement

These Terms + our Privacy Policy constitute the full agreement between you and Policy Match Hub.

21. Contact Information

For questions regarding these Terms:

Email: [email protected]