Terms & Conditions

The Terms & conditions were last updated on January 9, 2023

1. Introduction

THIS WEBSITE, QUOTE-BOT.COM, APP.QUOTE-BOT.COM, AND ANY OTHER WEBSITES OF QB INSURANCE LLC OR BROKER BACKOFFICE LLC. (“QUOTE BOT,” “WE,” “US,” OR “OUR”) (COLLECTIVELY, THE “SITE”) IS OWNED AND OPERATED BY QUOTE BOT. THE TERMS AND CONDITIONS OF USE DETAILED BELOW (THE “TERMS OF USE”) GOVERN YOUR ACCESS TO AND USE OF THE SITE AND APPLY TO ALL INTERNET USERS VISITING THE SITE OR OUR USING OUR INSTANT DECISION APPLICATION PROCESS (THE “APP”) BY ACCESS OR USING THE SITE OR APP IN ANY WAY, INCLUDING USING THE SERVICES AND RESOURCES THAT WE MAKE AVAILABLE TO YOU THROUGH THE SITE OR APP (THE “SERVICES”). THESE TERMS OF USE ARE A LEGAL CONTRACT BETWEEN YOU AND QUOTE BOT. BY ACCESSING OR USING THE SITE OR USING THE APP OR USING ANY OF THE SERVICES, YOU HEREBY REPRESENT THAT (1) YOU HAVE READ, UNDERSTAND, AND AGREE TO THESE TERMS OF USE, (2) YOU ARE AT LEAST 18 YEARS OF AGE OR THE AGE OF MAJORITY IN YOUR JURISDICTION, AND (3) YOU AGREE TO BE BOUND BY ALL APPLICABLE LAWS AND REGULATIONS. IF YOU DO NOT AGREE WITH THESE TERMS OF USE, THEN YOU MAY NOT ACCESS OR USE THE SITE, THE APP, OR THE SERVICES.

THESE TERMS AND CONDITIONS APPLY TO THIS SITE AND APP AND TO THE TRANSACTIONS RELATED TO OUR PRODUCTS AND SERVICES. YOU MAY BE BOUND BY ADDITIONAL CONTRACTS RELATED TO YOUR RELATIONSHIP WITH US OR ANY PRODUCTS OR SERVICES THAT YOU RECEIVE FROM US. IF ANY PROVISIONS OF THE ADDITIONAL CONTRACTS CONFLICT WITH ANY PROVISIONS OF THESE TERMS, THE PROVISIONS OF THESE ADDITIONAL CONTRACTS WILL CONTROL AND PREVAIL.

THESE TERMS OF USE ARE EFFECTIVE AS OF THE “LAST UPDATED” DATE SPECIFIED ABOVE. WE MAY CHANGE THESE TERMS OF USE AT ANY TIME IN OUR SOLE DISCRETION. WHEN CHANGES ARE MADE, WE WILL MAKE A NEW COPY OF THE TERMS OF USE AVAILABLE AT THE SITE AND WITHIN THE APP. WE WILL ALSO UPDATE THE “LAST UPDATED” DATE AT THE TOP OF THE TERMS OF USE. IF WE MAKE ANY MATERIAL CHANGES, AND YOU HAVE COMPLETED THE PURCHASE OF INSURANCE THROUGH THE APP (THE “CUSTOMER” OR “CUSTOMERS”), WE WILL ALSO SEND AN E-MAIL TO YOU AT THE LAST E-MAIL ADDRESS YOU PROVIDED TO US. ANY CHANGES TO THE TERMS OF USE WILL BE EFFECTIVE IMMEDIATELY FOR NEW USERS OF THE SITE, THE APP AND/ OR SERVICES AND WILL BE EFFECTIVE THIRTY (30) DAYS AFTER POSTING NOTICE OF SUCH CHANGES ON THE SITE FOR EXISTING CUSTOMERS, PROVIDED THAT ANY MATERIAL CHANGES SHALL BE EFFECTIVE FOR CUSTOMERS WITH US UPON THE EARLIER OF THIRTY (30) DAYS AFTER POSTING NOTICE OF SUCH CHANGES ON THE SITE OR THIRTY (30) DAYS AFTER DISPATCH OF AN E-MAIL NOTICE OF SUCH CHANGES TO REGISTERED USERS (DEFINED BELOW). WE MAY REQUIRE YOU TO PROVIDE CONSENT TO THE UPDATED TERMS OF USE IN A SPECIFIED MANNER BEFORE FURTHER USE OF THE SITE, THE APP, AND/OR THE SERVICES IS PERMITTED. IF YOU DO NOT AGREE TO ANY CHANGE(S) AFTER RECEIVING A NOTICE OF SUCH CHANGE(S), YOU SHALL STOP USING THE SITE, THE APP, AND/OR THE SERVICES. YOUR NON-REPLY OR CONTINUED USE OF THE SITE, THE APP, OR SERVICES AFTER ANY SUCH CHANGE WILL CONSTITUTE YOUR ACCEPTANCE OF ANY MODIFIED TERMS. PLEASE REGULARLY CHECK THE SITE TO VIEW THE THEN-CURRENT TERMS.

2. Binding

By applying through, accessing, or otherwise using the Site or App, you hereby agree to be bound by the Terms and conditions set forth below. The mere use of the Site implies the knowledge and acceptance of these Terms and conditions. In some particular cases, we can also ask you to explicitly agree.

3. Electronic communication

By using the Site, App, or communicating with us by electronic means, you agree and acknowledge that we may communicate with you electronically on our Site and App or by sending an email or text message to you, and you agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement, including but not limited to the requirement that such communications should be in writing.

4. Intellectual property

We or our licensors own and control all of the copyright and other intellectual property rights in the Site and App and the data, information, and other resources displayed by or accessible within the Site and App.

4.1.All rights are reserved

Unless specific content dictates otherwise, you are not granted a license or any other right under Copyright, Trademark, Patent, or other Intellectual Property Rights. This means that you will not use, copy, reproduce, perform, display, distribute, embed into any electronic medium, alter, reverse engineer, decompile, transfer, download, transmit, monetize, sell, market, or commercialize any resources on this Site and App in any form, without our prior written permission, except and only insofar as otherwise stipulated in regulations of mandatory law (such as the right to quote).

5. Newsletter

Notwithstanding the foregoing, you may forward our newsletter in electronic form to others who may be interested in visiting our Site and App.

6. Third-party property

Our Site and App may include hyperlinks or other references to other party’s website. We do not monitor or review the content of other party’s websites which are linked to from this Site and App. Products or services offered by other websites shall be subject to the applicable Terms and Conditions of those third parties. Opinions expressed or material appearing on those websites are not necessarily shared or endorsed by us.

We will not be responsible for any privacy practices or content of these sites. You bear all risks associated with the use of these websites and any related third-party services. We will not accept any responsibility for any loss or damage in whatever manner, however caused, resulting from your disclosure to third parties of personal information.

7. Responsible use

By visiting our Site or App, you agree to use it only for the purposes intended and as permitted by these Terms, any additional contracts with us, and applicable laws, regulations, and generally accepted online practices and industry guidelines. You must not use our Site or App or services to use, publish or distribute any material which consists of (or is linked to) malicious computer software; use data collected from our Site or App for any direct marketing activity, or conduct any systematic or automated data collection activities on or in relation to our Site or App.

Engaging in any activity that causes, or may cause, damage to the Site or App or that interferes with the performance, availability, or accessibility of the Site or App is strictly prohibited.

8. Idea submission

Do not submit any ideas, inventions, works of authorship, or other information that can be considered your own intellectual property that you would like to present to us unless we have first signed an agreement regarding the intellectual property or a non-disclosure agreement. If you disclose it to us absent such written agreement, you grant to us a worldwide, irrevocable, non-exclusive, royalty-free license to use, reproduce, store, adapt, publish, translate and distribute your content in any existing or future media.

9. Termination of use

We may, in our sole discretion, at any time modify or discontinue access to, temporarily or permanently, the Site or App or any Service thereon. You agree that we will not be liable to you or any third party for any such modification, suspension, or discontinuance of your access to, or use of, the Site or App or any content that you may have shared on the Site or App. You will not be entitled to any compensation or other payment, even if certain features, settings, and/or any Content you have contributed or have come to rely on, are permanently lost. You must not circumvent or bypass, or attempt to circumvent or bypass, any access restriction measures on our Site or App.

10. Warranties and liability

Nothing in this section will limit or exclude any warranty implied by law that it would be unlawful to limit or to exclude. This Site or App and all content on the Site or App are provided on an “as is” and “as available” basis and may include inaccuracies or typographical errors. We expressly disclaim all warranties of any kind, whether express or implied, as to the availability, accuracy, or completeness of the Content. We make no warranty that:

  • this Site or App or our content will meet your requirements;
  • this Site or App will be available on an uninterrupted, timely, secure, or error-free basis.

The following provisions of this section will apply to the maximum extent permitted by applicable law and will not limit or exclude our liability in respect of any matter which it would be unlawful or illegal for us to limit or to exclude our liability. In no event will we be liable for any direct or indirect damages (including any damages for loss of profits or revenue, loss or corruption of data, software or database, or loss of or harm to property or data) incurred by you or any third party, arising from your access to, or use of, our Site or App.

Except to the extent any additional contract expressly states otherwise, our maximum liability to you for all damages arising out of or related to the Site or App or any products and services marketed or sold through the Site or App, regardless of the form of legal action that imposes liability (whether in contract, equity, negligence, intended conduct, tort or otherwise) will be limited to $100. Such limit will apply in the aggregate to all of your claims, actions and causes of action of every kind and nature.

11. Privacy

To access our Site or App and/or services, you may be required to provide certain information about yourself as part of the application process. You agree that any information you provide will always be accurate, correct, and up to date.

We have developed a policy to address any privacy concerns you may have. For more information, please see our Privacy Policy.

12. Insurance Services

The Site, App, and Services include our instant decision application process, as well as our customized solutions which consist of content, tools, links, and recommendations intended to provide you with support to plan for and apply for insurance. All information provided to you through your use of this Site, App, or Service is provided for general informational, educational, and ease of application purposes.

The Site, App, and Services include our preparation of quotes and brokering the sale to you of third-party insurance products. We are a licensed independent insurance agent. We do not underwrite any insurance policy made available to you through the Services. Any insurance policy premium quotes or ranges displayed on the Site, App, or Services are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company during or following your application. Insurance products, riders, and their availability may vary by state and your individual circumstances, and additional minimum coverage limits may be required in your state. The third-party insurance products offered for sale through the Site are only available in the jurisdictions in which we are properly licensed which can be viewed here.

Your use of certain Services may require you to agree to additional terms and conditions, or enter into separate agreements with us or applicable third-party insurance carriers. Any third-party insurance products purchased by you through the Site are subject to the terms and conditions of the applicable insurance carrier. In the event of a conflict between these Terms of Use and the terms of any such other terms, the terms of such other terms will control.

12.1 Our Solutions

The Services also include, for your convenience, self-help “fill in the blank” forms that help you prepare and plan for your life insurance needs. We are not a law firm and are not licensed to practice law. We may not, and do not, provide legal representation or advice. No attorney-client relationship is created or intended to be created between you and Quote Bot or its employees or agents. Communications between you and Quote Bot are not protected by the attorney-client privilege or work product doctrine.

OUR SERVICES AND OUR FORMS ARE PROVIDED FOR YOUR PERSONAL USE ONLY. THEY DO NOT CONSTITUTE LEGAL OR TAX ADVICE. OUR SERVICES AND OUR FORMS ARE NOT A SUBSTITUTE FOR THE ADVICE OR SERVICES OF AN ATTORNEY OR TAX CONSULTANT.

We do not review the information you provide for completeness, legal sufficiency, or accuracy, nor do we draw any legal conclusions, provide opinions, or make recommendations about the selection of forms, nor do we apply the facts of your particular situation to the law. The law is a personal matter, and no generalized information or one form (i.e., the Forms) is applicable to every situation. You should consult with an attorney or tax professional if: you have any questions about the accuracy, sufficiency, or effect of any completed Forms or related documents; you have any questions about the Forms’ legal effects or tax implications; you want legal or tax advice on any specific issues; or if you think your situation may be too complex to be addressed by our Forms.

12.2 Use of Services

The App, the Site, the Services, and the information and content available on the Site and in the App and the Services (as these terms are defined herein) (each, a “Quote Bot Property” and collectively, the “Quote Bot Properties”) are protected by copyright laws throughout the world. Subject to the Terms of Use, we grant you a limited license to reproduce portions of the Quote Bot Properties for the sole purpose of using the Services for your personal insurance planning. Unless otherwise specified by us in a separate license, your right to use any and all Quote Bot Properties is subject to the Terms of Use.

13. Affiliate marketing

Through this Site or App, we may engage in affiliate marketing whereby an affiliate can receive a marketing fee for the sale of services or products on or through this Site or App. We may also accept sponsorships or other forms of advertising compensation from businesses. This disclosure is intended to comply with legal requirements on marketing and advertising which may apply, such as the US Federal Trade Commission Rules.

14. Assignment

You may not assign, transfer or sub-contract any of your rights and/or obligations under these Terms and conditions, in whole or in part, to any third party without our prior written consent. Any purported assignment in violation of this Section will be null and void.

15. Breaches of these Terms and conditions

Without prejudice to our other rights under these Terms and Conditions, if you breach these Terms and Conditions in any way, we may take such action as we deem appropriate to deal with the breach, including temporarily or permanently suspend your access to the Site or App, contacting your internet service provider to request that they block your access to the Site or App, and/or commence legal action against you.

16. Force majeure

Except for obligations to pay money hereunder, no delay, failure or omission by either party to carry out or observe any of its obligations hereunder will be deemed to be a breach of these Terms and conditions if and for as long as such delay, failure or omission arises from any cause beyond the reasonable control of that party.

17. Indemnification

You agree to indemnify, defend and hold us harmless, from and against any and all claims, liabilities, damages, losses and expenses, relating to your violation of these Terms and conditions, and applicable laws, including intellectual property rights and privacy rights. You will promptly reimburse us for our damages, losses, costs and expenses relating to or arising out of such claims.

18. Waiver

Failure to enforce any of the provisions set out in these Terms and Conditions and any Agreement, or failure to exercise any option to terminate, shall not be construed as waiver of such provisions and shall not affect the validity of these Terms and Conditions or of any Agreement or any part thereof, or the right thereafter to enforce each and every provision.

19. Language

These Terms and Conditions will be interpreted and construed exclusively in English. All notices and correspondence will be written exclusively in that language.

20. Entire agreement

These Terms and Conditions, together with our privacy statement and cookie policy, constitute the entire agreement between you and QB Insurance LLC in relation to your use of this Site or App.

21. Updating of these Terms and conditions


THESE TERMS OF USE ARE EFFECTIVE AS OF THE “LAST UPDATED” DATE SPECIFIED ABOVE. WE MAY CHANGE THESE TERMS OF USE AT ANY TIME IN OUR SOLE DISCRETION. WHEN CHANGES ARE MADE, WE WILL MAKE A NEW COPY OF THE TERMS OF USE AVAILABLE AT THE SITE AND WITHIN THE APP. WE WILL ALSO UPDATE THE “LAST UPDATED” DATE AT THE TOP OF THE TERMS OF USE. IF WE MAKE ANY MATERIAL CHANGES, AND YOU HAVE COMPLETED THE PURCHASE OF INSURANCE THROUGH THE APP (THE “CUSTOMER” OR “CUSTOMERS”), WE WILL ALSO SEND AN E-MAIL TO YOU AT THE LAST E-MAIL ADDRESS YOU PROVIDED TO US. ANY CHANGES TO THE TERMS OF USE WILL BE EFFECTIVE IMMEDIATELY FOR NEW USERS OF THE SITE, THE APP AND/ OR SERVICES AND WILL BE EFFECTIVE THIRTY (30) DAYS AFTER POSTING NOTICE OF SUCH CHANGES ON THE SITE FOR EXISTING CUSTOMERS, PROVIDED THAT ANY MATERIAL CHANGES SHALL BE EFFECTIVE FOR CUSTOMERS WITH US UPON THE EARLIER OF THIRTY (30) DAYS AFTER POSTING NOTICE OF SUCH CHANGES ON THE SITE OR THIRTY (30) DAYS AFTER DISPATCH OF AN E-MAIL NOTICE OF SUCH CHANGES TO REGISTERED USERS (DEFINED BELOW). WE MAY REQUIRE YOU TO PROVIDE CONSENT TO THE UPDATED TERMS OF USE IN A SPECIFIED MANNER BEFORE FURTHER USE OF THE SITE, THE APP, AND/OR THE SERVICES IS PERMITTED. IF YOU DO NOT AGREE TO ANY CHANGE(S) AFTER RECEIVING A NOTICE OF SUCH CHANGE(S), YOU SHALL STOP USING THE SITE, THE APP, AND/OR THE SERVICES. YOUR NON-REPLY OR CONTINUED USE OF THE SITE, THE APP, OR SERVICES AFTER ANY SUCH CHANGE WILL CONSTITUTE YOUR ACCEPTANCE OF ANY MODIFIED TERMS. PLEASE REGULARLY CHECK THE SITE TO VIEW THE THEN-CURRENT TERMS.

21. Choice of Law and Jurisdiction

These Terms and Conditions shall be governed by the laws of the State of Colorado. Any disputes relating to these Terms and Conditions shall be subject to the jurisdiction of the courts of the State of Colorado. If any part or provision of these Terms and Conditions is found by a court or other authority to be invalid and/or unenforceable under applicable law, such part or provision will be modified, deleted and/or enforced to the maximum extent permissible so as to give effect to the intent of these Terms and Conditions. The other provisions will not be affected.

22. Contact information

This Site is owned and operated by QB Insurance LLC.

You may contact us regarding these Terms and Conditions by writing or emailing us at the following address: info@quote-bot.com

QB Insurance LLC
16336 Golden Sun Way
Monument, CO 80132

The App is owned and operated by Broker Backoffice LLC

You may contact us regarding these Terms and Conditions by writing or emailing us at the following address: info@brokerbackoffice.com

Broker Backoffice LLC
16336 Golden Sun Way
Monument, CO 80132