Client Terms & Conditions

A. Terms of use (hereinafter referred to as the “website”) is owned and operated by Insure Hopper, Inc. (hereinafter referred to as the “Company”). The access or use of the website, including all available services, features, tools, and information contained therein, shall be subject to your acceptance of the terms, conditions, policies, procedures, and regulations as set forth in this Client Terms and Conditions (hereinafter referred to as the “Agreement”) as well as any additional stipulations and/or restrictions as may be referenced within the website.

2.By creating an account, accessing this website, or availing of any of the services offered herein, you acknowledge that you have read and fully understood this Agreement and expressly agree to be legally bound and to faithfully comply with the provisions hereof. This Agreement is a legally binding contract between the Company and all agents, members, clients, customers, and any other person who uses or gains access to the website.

3.The Company reserves the right to update, amend, revise, add, delete, or replace any part of this Agreement. And any such changes shall be posted in this website for your information and reference. Please be advised that your continued use or access of this website following the posting said changes shall constitute your acceptance thereof.

4.Further, it shall be your responsibility to check the current Agreement for any changes. You expressly agree that the most recent version of this Agreement legally binds you for any access or continued use of the website and any of the Company’s services, and you further agree that the most recent version of this Agreement supersedes and replaces any prior versions.


1.For purposes of this Agreement, the term “users” shall refer to all persons who access or use the website, while the term “members” shall refer to those users who have an existing account on the website. Both users and members shall be referred to collectively as “clients.”

2.All clients shall access or use this website solely in accordance with this Agreement and for lawful and legitimate purposes only.

3.The following, among other rules and regulations which the Company may impose, shall be prohibited:

  • a.Posting false, libelous, defamatory, offensive, xenophobic, obscene, indecent, or otherwise harmful language;
  • b.Threatening, harassing, intimidating, bullying, and any other inappropriate or disrespectful behavior or language;
  • c.Encouraging criminal conduct; and
  • d.Introducing or uploading viruses, malware, spyware, or other harmful/malicious content or code.

4.All forms of cybercrimes shall be prohibited, including, but not limited to:

  • a.Hacking or interfering, or any attempts to hack or interfere, with the website or the web content management system;
  • b.Using ransomware or any other malicious or illegal software;
  • c.Uploading or transmitting (or attempting to upload or transmit) any viruses or other material that modifies, impairs, disrupts, alters, or interferes with the use, features, functions, operation, or maintenance of the website; and
  • d.Phishing or spoofing and any other forms of cyberattack.


1.Users shall have access to all pages and/or sections of the website, including, but not limited to, the Insurance Directories (Affiliated Agents Directory, Insurance Agencies Directory, Insurance Companies Directory), Live Chat, Blogs, Types of Insurance, and Terminology. However, only members shall be granted access to the special features as set forth in this Agreement. The Company shall have the right to remove, modify, or change any feature, service, or aspect of the website at any time and at the Company’s discretion.

2.In order to become a member, you would need to create an account and complete the registration process on the website by submitting the required documentation and supplying all necessary information in support of your application.

3.By submitting your application, you attest to the truthfulness of all the data contained therein as well as the due execution and authenticity of any and all documents you submit.

4.The approval of your application shall be subject to the discretion of the Company. The Company reserves the right to remove, delete, or suspend the account of any member at any time and for any reason whatsoever.

5.Upon the creation of your account, you shall be provided with your own dashboard on the website, which shall give you access to the following special features:

  • a.Access to quotes for different lines of insurance;
  • b.Access to the rates uploaded by affiliated agents on their dashboards;
  • c.Authority to give reviews on the performance of agents, carriers, and the Company;
  • d.Access to any of your completed forms or forms pending completion;
  • e.Access to all your active policies with the corresponding direct link that shall enable you to file a claim and access the payment page of the carrier concerned; and
  • f.Receipt of useful articles, blogs, advertisements, and other relevant information via email. You may, however, at any time choose to unsubscribe thereto by clicking on the “unsubscribe” button in the emails you receive.

6.You shall be receiving an annual notification at least sixty (60) days before the renewal date of your membership.

7.By using or accessing the website, you warrant and confirm that you live/reside in the United States of America (U.S.A), that you are at least eighteen (18) years of age, and that you possess the legal capacity to enter into this Agreement.

8.By creating an account, you expressly agree to the following:

  • a.The Company shall be permitted to have your basic information exhibited in your profile such as, but not limited to, your name, address, email, date of birth, gender, marital status, age, occupation, and educational attainment;
  • b.All notifications, such as the renewal date of your policy/policies, concerns regarding a lack of information on your form/s or profile, messages from agents, and any other updates shall be uploaded to your dashboard and sent to your email address;
  • c. In response to any requests or messages from the Company or the agents, you shall have the duty and responsibility to update and/or complete any missing information in your forms to enable said agents to provide you with correct/accurate rates and coverage.
  • d. All information you have provided shall be encrypted by the Company; and
  • e. The Company shall have access to all messages sent or received by you in the “Messages” section of your dashboard;
  • f. The Company uses cookies and other tracking technologies in order to provide you with personalized content and advertisements and for the purpose, among others, of improving your browsing experience on the website.

9. You agree to access or use the website, including your individual account, in accordance with the following policies and processes:

  • a.You must verify your account by entering the verification code that shall be sent to your email address or a mobile number;
  • b. In order to acquire a quote for any line of insurance, you must complete the necessary forms and provide the correct and complete information required;
  • c. You may combine policies and avail of any applicable discounts which the carrier involved may offer;
  • d. Only one rate from each carrier shall be displayed on the “Check Rates” section of your dashboard;
  • e. Agents may respond to the forms you have submitted within a period of twenty-four (24) business hours. However, depending on the policy and the carrier, some agents may need more time to upload their proposals to your profile;
  • f. The rates shall be bindable according to the information that you have provided on your form;
  • g. Should an agent have any questions or clarifications regarding the information you have provided on your form, they may send a message through the “Messages” section of your dashboard, which message shall also be sent to the Company or any of the latter’s representatives;
  • h. You shall only be entitled to cancel the forms for any policies that have not yet been bound or in cases where the agent concerned has yet to provide you with a rate;
  • i. You shall have the option to edit any completed forms uploaded in the “Completed Forms” section of your dashboard for policies that have not yet been bound or in cases where the agent concerned has yet to provide you with a rate, either by yourself or by contacting any of the Company’s representatives who shall assist you in the matter. Should you close the page, whether accidentally or on purpose, while in the process of filling in any forms on your dashboard, the information shall be saved automatically in the "Unfinished Forms" section of your dashboard where you shall have the option to delete or continue editing said forms;
  • j. You shall have the option to deactivate or cancel any forms displayed in the “Completed Forms” section of your dashboard for policies that have not yet been bound or in cases where the agent concerned has yet to provide you with a rate. This shall have the effect of clearing the corresponding Case ID. from the dashboard of the agent concerned. As a result, said agent shall no longer be able to send you his/her rates. Further, by deactivating or canceling a completed form, you confirm that you are no longer want to get a quote on said form;
  • k. The rates of the Company’s affiliated agents shall be uploaded under the “Check Rates” section of your dashboard. You shall likewise be able to view the particular carrier and any other pertinent details concerning the uploaded rates;
  • i. You shall have within a period of thirty (30) days from the time the agent sends you his/her rate, to accept or decline the proposal unless said rate had already expired and is, therefore, not bindable, in which case you shall have to repeat the process requesting for a quote again;
  • m. After choosing a rate, the agent shall bind the policy. Only then shall the Company share your contact information with the said agent;
  • n. Before the policy is bound, you shall not be allowed to exchange or share your personal information and contact details with the agent;
  • o. You can accept the rate of only one (1) agent per case I.D. All other proposed rates shall be declined automatically once a rate is accepted. Further, unless and until the agent binds the policy, the quote shall remain in the "Pending Policies" section of your dashboard. After the policy is bound, the same shall appear in the "Active Policies" section of your dashboard while the agent involved shall appear on the "Agents" section of your dashboard;
  • p. Likewise, before the policy is bound, you shall not be able to contact the agent. You may, however, contact the Company should you have any questions or concerns;
  • q. You may fill out the survey concerning the agent who bound the policy, which shall then be displayed after the process of binding the policy is completed;
  • r. The Company shall neither be responsible for paying your insurance bills nor for any claim you may have concerning your insurance policy. Such concerns shall be the sole and exclusive responsibility of the carrier and agent concerned. Links to the carriers with whom you have an existing policy can be found on the "Active Policies" section of your dashboard and the "Insurance Companies" directory where you shall be redirected to the concerned carrier's other related links;
  • s. You may only provide reviews for those agents and/or carriers with whom you have bound policies. You may add your reviews in the “Reviews” section of your dashboard. You may also rate the website and leave reviews concerning your experience and satisfaction over the services rendered by the Company;
  • t. The basic information you have provided on previous forms shall be saved in your profile and can be generated automatically for future forms in order to hasten the process of filling out said information; and
  • u. You can reset your password through the reset password link, which the Company shall send to your email address.


1.You shall be required to update the information in your profile whenever necessary in order to reflect any changes in your employment status, marital status, contact details, address, and other significant data. You may make the changes to your profile directly or contact any representative of the Company to assist you in editing the information in your profile. The quotes of the agents shall not be affected by any such changes made after a form is completed.

2. You shall be responsible to inform the Company immediately of any changes in the information you have provided in your profile and/or the forms you have submitted.

3. You shall only be allowed to contact the Company through the “Messages” section of the website. Further, you shall not be allowed to contact the affiliated agents of the Company directly or through any other means for the purpose of securing a policy outside of the website.

4. You undertake to provide only true, correct, current, and complete information both in your profile and the forms you submit. outside of the website.

5. It shall be your responsibility to undertake all measures necessary to safeguard your account in order to prevent unauthorized access thereof. You shall be required to immediately inform the Company of any unauthorized access or use of your account or any other breach of security thereof.

6. You agree to keep your password confidential and agree not to allow any other person to use or access your account.

7. You shall not be allowed to copy, reproduce, distribute, reverse engineer or otherwise exploit any content, code, data, or materials on the website.

8. You acknowledge, understand, and agree that your account is non-transferable, and any rights to your I.D. and/or the contents in your account shall terminate upon your death. Upon the receipt by the Company of a copy of a death certificate, the account shall be terminated and all contents therein permanently deleted.

9. You agree not to circumvent, disable, or otherwise interfere with security-related features of the website, including features that prevent or restrict the use or copying of any content or enforce limitations on the use of the website or the content contained therein.

10. You agree not to use this website for purposes of advertising, selling any form of goods, offering any services, or in connection with any other commercial endeavors.

11. You agree to defend, indemnify, and hold the Company, including any of the latter’s subsidiaries, affiliates, officers, agents, partners, and employees, free from any liability whatsoever arising from any loss, damage, claim, or demand arising from your breach of this Agreement or your acts towards agents or other clients in the website or any third persons.

12. YShould you have any concerns, complaints, grievances, or problems concerning your access or use of this website, the services offered herein, and any other matter involving the website or the Company, you agree to submit the same to the mediation & conciliation, arbitration, or any other dispute resolution process of the Company. persons.


1. The Company reserves the right to take down or remove, at any time and without prior notice, any reviews, posts, comments, messages, or conversations that do not conform to this Agreement or the Company’s standards, principles, and ideals.

2. Likewise, the Company shall have the right to take down or remove any such reviews, posts, comments, messages, or conversations that violate the website’s terms of use, including, but not limited to:

  • a.False, libelous, defamatory, offensive, xenophobic, obscene, indecent, inappropriate, or otherwise harmful language or content;
  • b.Irrelevant or immaterial language, content, and website links unrelated to the purpose and function of the website; and
  • c.Illegal, unlawful, or prohibited content.


1. The Company does not endorse any reviews and shall not be liable for any claims, liabilities, or losses resulting therefrom.

2. The Company undertakes to utilize your information solely for the purpose/s for which the same was intended and not to market or offer such information to third parties in exchange for a fee or any other consideration.

3. The Company makes no other warranties, express or implied, regarding, without limitation, the identities, information, character/integrity of the agents registered on the website.

4. Under any and all circumstances, the Company shall not be liable for any loss, injury, or damages of any kind or form, including, but not limited to, those direct or indirect losses, injuries, and damages arising from:

  • a.your failure/refusal to comply with the terms of this Agreement and use the website in accordance with the terms as set forth herein;
  • b.the negligence and/or any wrongful or illegal acts of the clients registered in the website and
  • c.your own negligence and/or any wrongful or illegal acts.

5. The Company undertakes not to sell or offer for sale any of your personal information nor share said information to any third parties.

6. The Company makes no warranty or guarantee that any of the affiliated agents, brokers, and/or carriers to whom your application has been forwarded would contact you or agree to provide the coverage you requested.

7. The Company likewise makes no warranty or guarantee that the affiliated agents, brokers, and/or carriers to whom your application has been forwarded would give you their rates within twenty-four (24) business hours.

8. The rates that shall be provided to you have been based on the information you have provided in your forms. Hence, the Company nor any of the latter’s affiliated agents shall not be liable nor responsible for any changes in the provided rates brought about by any misleading or lacking information which you failed to disclose or provide.

9. The Company shall not be responsible in any way for the conduct of any of its affiliated agents, brokers, discount program representatives, and companies that are matched with your insurance application. The coverage provided by any service provider will be subject to the terms and conditions of the insurance policy under which it is issued, and the Company has no control over such terms and conditions.

10. The Company may, at its option, offer additional website services and/or products or update, modify, or revise its present services and/or products. You acknowledge, accept, and agree that the Company shall not be held liable for any such updates, modifications, revisions, suspensions, or discontinuance of any of its services and/or products.

11. The Company reserves the right to suspend or terminate, either indefinitely or for a fixed period, the account of any member who knowingly and willfully provides any false, incorrect, or inaccurate information in his/her profile on in the forms which he/she submits, or who knowingly and willfully withholds any information required to be provided in their profiles or in the forms he/she submits.

12. Any questions, comments, suggestions, or materials submitted to us through the website will become the sole property of the Company. The Company shall own all rights in such materials and have the unrestricted right to use, publish or otherwise disseminate such information for any purpose, without attribution or compensation.

13. This website is the proprietary property of the Company and all source code, databases, functionality, software, designs, audio, video, text, photographs, and graphics on the website (hereinafter referred to as “content”) and the trademarks, service marks, and logos contained therein are owned or controlled by the Company.

14. No content or any other part of the website shall be copied, reproduced, uploaded, posted, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without the express prior written permission of the Company.

15. The Company makes no representations or warranties that the website will be suitable for your needs, is complete, timely, reliable, or free from errors, inaccuracies, or typographical mistakes. The Company does not warrant that the website shall be free of errors or viruses, worms, or other destructive or harmful codes.

16. Your use of this website, its content, and any of the services offered therein shall be at your own risk. Neither the Company nor any person associated with the Company makes any warranty or representation with respect to the security, reliability, quality, accuracy, or availability of the website.

17. The foregoing does not affect any warranties which cannot be excluded or limited under applicable law.


1.The Company may, in its discretion and without prior notice, modify, restrict, suspend, discontinue, or terminate, whether temporarily or permanently, the entire website or any of its parts, sections, or features without incurring any liability or obligation to any person.

2.The Company reserves the right to suspend or terminate any accounts in its website of any user for any reason whatsoever.


1.Confidential information shall refer to any and all such information, including, but not limited to, all Clients’ account details, password, communications between the Company or the latter’s clients and other client information, financial information, costs or pricing information, and other sensitive data which the Client may acquire in the course of using the website.

2.The Client shall hold and maintain all confidential information in the strictest confidence and shall utilize such confidential information exclusively for the legal purpose/s for which the same was intended.

3.The Client undertakes not to disclose any confidential information to a third party without the prior consent of the Company nor permit any unauthorized disclosure thereof by others. In this regard, the Client shall take all necessary precautions to safeguard all confidential information in order to prevent against any such unauthorized access or disclosure thereof.


1.If any provision contained in this Agreement is declared invalid or unenforceable, in whole or in part, such invalidity or enforceability shall not affect the remaining provisions hereof, which shall remain in full force and effect.

2.The provisions of this Agreement shall be governed by and construed in accordance with the laws of the State of California, United States of America.

3.No joint venture, partnership, employment, or agency relationship is created between you and the Company as a result of this Agreement or your use or access of the website.