Legal

Terms of Use

Effective date: July 14, 2026

Please read these Terms of Use carefully before using this website. These Terms of Use ("Terms") govern your access to and use of SmartQuoteInsure.com (the "Site"), operated by Click Circle LLC ("Company," "we," "us," or "our"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. Who We Are

SmartQuoteInsure.com is not an insurance company, insurance broker, or agent, and does not sell, underwrite, or issue insurance policies. We are not a representative of any particular insurance broker or carrier, and we do not endorse any specific broker, carrier, or product. Our Site is designed to help you compare insurance information and connect with carriers, agents, and marketing partners who may be able to offer you a policy.

Use of this Site does not guarantee that you will be matched with an offer, approved for coverage, or able to obtain a lower rate than you currently have. Not all carriers or partners are available in all states, and residents of some states may not be eligible for certain offers.

2. Eligibility

The Site is intended for use by individuals who are at least 18 years old and are legal residents of the United States. By using the Site, you represent that you meet these requirements and that all information you submit is accurate and provided by you or with proper authorization.

3. How the Site Works

When you submit information through our quote questionnaire, we may share that information with one or more insurance carriers, agents, brokers, or marketing partners so that they can contact you about products or services that may match your situation. By submitting the form, you provide your electronic signature as consent for us and our partners to contact you at the phone number and email address you provide, using automated technology, even if your number is listed on a state, federal, or corporate Do Not Call registry. You are not required to provide this consent as a condition of using the Site, and you may revoke consent at any time by contacting us or the specific partner directly.

We may receive compensation, including referral fees, from the carriers, brokers, agents, and marketing partners we connect you with. The amount of compensation offered by a partner may impact which offers are presented to you and the order in which they appear. Our Site does not include every available carrier or offer in the market, and we encourage you to research any company independently before making a decision.

4. Accuracy of Information

Quotes, rates, and potential savings referenced on the Site are illustrative and not guaranteed. Your actual rate depends on many individual factors that vary by carrier, state, and policy type, including your driving history, vehicle, credit-based insurance score (where permitted by law), and coverage selections. Nothing on this Site constitutes an offer or solicitation for insurance, and no binding coverage exists until a licensed carrier or agent issues a policy.

5. Acceptable Use

When using the Site, you agree that you will not:

Submit false, misleading, or another person's information without their authorization
Use any automated system, bot, or scraper to access or interact with the Site
Attempt to gain unauthorized access to any part of the Site or its underlying systems
Interfere with or disrupt the Site's operation, security, or availability
Use the Site for any unlawful purpose or in violation of these Terms

We reserve the right to suspend or terminate access to the Site for anyone who violates these Terms.

6. Intellectual Property

All content on the Site — including text, graphics, logos, illustrations, and software — is owned by Click Circle LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may view and use the Site for your own personal, non-commercial purposes. You may not copy, reproduce, distribute, modify, or create derivative works from any part of the Site without our prior written permission.

7. Third-Party Links and Offers

The Site may contain links to third-party websites, carriers, and offers, including on our Partners page. These third parties operate independently, and we do not control or take responsibility for their content, products, services, or privacy practices. Your interactions with any third party you are connected to through the Site are solely between you and that third party.

8. Disclaimer of Warranties

The Site and its content are provided "as is" and "as available," without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure, or that any defects will be corrected.

9. Limitation of Liability

To the fullest extent permitted by law, Click Circle LLC and its officers, employees, and partners will not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the Site, including but not limited to damages for loss of data, loss of profits, or business interruption, even if we have been advised of the possibility of such damages.

10. Indemnification

You agree to indemnify and hold harmless Click Circle LLC and its officers, employees, and partners from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising out of your use of the Site or your violation of these Terms.

11. Governing Law

These Terms are governed by the laws of the State of Wyoming, without regard to its conflict of law principles, unless otherwise required by the mandatory consumer protection laws of your state of residence.

12. Changes to These Terms

We may revise these Terms at any time by posting an updated version on this page. Your continued use of the Site after changes are posted constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

13. Contact Us

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

Click Circle LLC Email: info@smartquoteinsure.com Website: SmartQuoteInsure.com