Terms of Service

Last Updated: October 30, 2025

Please read these Terms of Service (the “Terms”) carefully before using smart-choices-now.com (the “Site”) and any related websites, applications, widgets, email notifications, and other mediums (collectively, the “Services”). By accessing or using the Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Services.

1) Acceptance of Terms

These Terms constitute a legally binding agreement between you and Smart Choices Now (“Smart Choices Now,” “we,” “us,” or “our”). Your access to and use of the Services is conditioned on your acceptance of and compliance with these Terms and our Privacy Policy.

2) Eligibility

The Services are intended for use only by individuals who are at least 18 years old. We do not knowingly collect personal information from anyone under the age of 13. Do not use the Services if you are under 13, and do not provide information about any individual under 13.

3) About Our Services

Smart Choices Now is not an insurance company, broker, financial institution, or provider of insurance or financial products. We operate an informational and lead-matching platform that may connect you with third-party service providers (e.g., insurance carriers, agents, brokers, or other professionals) based on information you submit. We do not issue policies, make coverage decisions, or guarantee eligibility, quotes, fees, terms, rates, coverage, or services.

4) No Insurance, Financial, or Legal Advice

The content on the Services is for general informational purposes only and does not constitute insurance, financial, tax, medical, or legal advice. Your situation is unique; before making decisions, you should consult a licensed insurance agent or qualified professional who is aware of your circumstances.

5) Privacy

Your submission of information through the Services is governed by our Privacy Policy. By using the Services, you consent to all actions we take with respect to your information as described in the Privacy Policy.

6) Your Information; Accuracy

To use certain parts of the Services, you may be asked to submit information about yourself, which may include personal, health, and/or financial information (“Your Information”). You agree to provide true, current, complete, and accurate information and to maintain and promptly update it as necessary. You are responsible for all use of the Services under your submissions.

7) Consent to Be Contacted (TCPA/Email/SMS)

By submitting a request, form, or inquiry on the Services, you provide your express written consent for Smart Choices Now and the third-party service providers to whom we may transmit Your Information (and their affiliates and service vendors) to contact you about your inquiry by phone, autodialed and prerecorded calls or messages, SMS/MMS texts, email, and other reasonable means at the numbers and addresses you provide, including if any number is on a state or federal Do Not Call list. Message and data rates may apply. Consent is not a condition of purchase. You can opt out of promotional texts at any time by replying “STOP” and from promotional emails by using the unsubscribe link in those emails.

8) Third-Party Providers; No Endorsement; No Guarantee

We do not endorse or recommend any particular provider, product, or service. We do not verify licensing, qualifications, or suitability of providers; you are responsible for performing your own due diligence. Any products or services you obtain are solely between you and the provider. We make no warranties regarding quotes, fees, terms, rates, or coverage offered by providers and do not guarantee that any quote is the lowest or best available.

9) Fees

We generally do not charge you to use the Services. Providers may compensate us for marketing, advertising, or matching services. Any fees you pay to providers are your responsibility.

10) Intellectual Property; Limited License

The Services and their content, including text, graphics, logos, and software (collectively, the “Content”), are owned by us or our licensors and are protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and make personal, non-commercial use of the Services and Content. You may not copy, modify, distribute, publicly display, perform, create derivative works from, decompile, or reverse engineer the Services or Content except as expressly permitted by these Terms.

11) User Content and Forums

The Services may include blogs, reviews, comments, or other forums where users can submit content (“User Content”). You are solely responsible for your User Content. Do not submit content that is unlawful, infringing, defamatory, obscene, harassing, deceptive, or that contains malware or spam. By submitting User Content, you grant us a worldwide, royalty-free, transferable, sublicensable license to use, reproduce, adapt, publish, and display such content in connection with operating and promoting the Services. We may, but are not obligated to, monitor, remove, or edit User Content.

12) Prohibited Activities; Access and Interference

You agree not to: (a) use any robot, spider, scraper, or other automated means to access the Services without our prior written permission; (b) impose an unreasonable load on our infrastructure; (c) interfere with the proper working of the Services; (d) bypass, circumvent, or disable any security or access control measures; (e) collect personal information about users without consent; or (f) frame, embed, or mirror the Services without permission. Public search engines may use spiders to copy materials for the sole purpose of creating publicly available search indices, subject to our right to revoke this permission.

13) Availability; Modifications; Suspension

We may update, modify, suspend, or discontinue any part of the Services at any time without notice. Access may be interrupted for maintenance, updates, or for other reasons. We may monitor access and use of the Services as described in our Privacy Policy and may restrict or terminate access for violations of these Terms.

14) Disclaimers

THE SERVICES AND ALL CONTENT, PRODUCTS, AND SERVICES AVAILABLE THROUGH THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND TITLE. WE DO NOT WARRANT THAT QUOTES OR OFFERS ARE AVAILABLE, ACCURATE, COMPLETE, OR ERROR-FREE, OR THAT THE SERVICES ARE FREE OF MALICIOUS CODE.

15) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL WE OR OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICES OR CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100).

16) Indemnification

You agree to defend, indemnify, and hold harmless Smart Choices Now and its affiliates, officers, directors, employees, contractors, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your breach of these Terms; (b) Your Information or User Content; (c) your use of the Services; or (d) your interactions with any third-party provider.

17) Arbitration Agreement; Class Action Waiver

Arbitration. You and we agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by binding individual arbitration, and not in court, except that either party may seek relief in a court of competent jurisdiction for claims of intellectual property infringement or to enforce an arbitration award.

Rules and Forum. Arbitration will be administered by the American Arbitration Association (AAA) under its applicable rules. The arbitrator shall have the authority to award any relief available in court under law or in equity, including injunctive relief, subject to the limitations of these Terms.

Class Action Waiver. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR OUR INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

Opt-Out. You may opt out of this arbitration agreement by sending written notice to support@smart-choices-now.com within 30 days of your first use of the Services after the “Last Updated” date above.

18) Changes to These Terms

We may update these Terms from time to time. Changes will be posted on this page with an updated “Last Updated” date. Your continued use of the Services after changes become effective constitutes your acceptance of the revised Terms.

19) Miscellaneous

20) Contact Us

If you have questions, comments, or concerns about these Terms or the Services, please contact us at support@smart-choices-now.com.