1. Licensing
Insurance Services are offered through NerdWallet Insurance Experts, LLC (Arizona resident license no. 3003649891), with its principal place of business at 4150 N Drinkwater Blvd, Suite 200, Scottsdale, AZ 85251. NerdWallet Insurance Experts, LLC holds non-resident (or resident, as applicable) insurance producer licenses in the majority of U.S. states and the District of Columbia. For our current license number in your state, see our Insurance Licenses and Disclosures page. The Site and the Services are not intended as a solicitation for insurance in any state where NerdWallet Insurance Experts is not licensed to do business. Where a product, state, or Carrier is unavailable to you, we will indicate this or decline to proceed with your request.
2. Registration and Account Security
To use the Services, you must (i) be at least eighteen (18) years of age; (ii) have not previously been suspended or removed from the Services; and (iii) register for and use the Services in compliance with all applicable laws and regulations.
a) Account Registration. To access certain features of the Services, you may be required to register for an account and to provide identifying information, including your email address and other contact information. You agree to provide true, accurate, current, and complete information about yourself, and not to impersonate anyone, misrepresent any affiliation, use false information, or otherwise conceal your identity.
b) You Are Responsible for Your Account. You are solely responsible for maintaining the confidentiality and security of your password and other registration information. If you have reason to believe your account is no longer secure, you must immediately notify us at [email protected].
3. Nature of Our Services
a) We Are an Agency, Not a Carrier. NerdWallet Insurance Experts is a licensed insurance agency. We help you compare, apply for, and, where applicable, bind insurance coverage placed with third-party insurance carriers (“Carriers”). We do not underwrite insurance, and we are not an insurance carrier.
b) Quotes Are Non-Binding. Any quote, rate, coverage estimate, or similar output made available through the Services is provided for informational purposes only and does not constitute a binder of insurance coverage, a guarantee of coverage or price, or the reporting of a claim. Quotes may be subject to receipt of additional information or other underwriting conditions. Carriers make the final decision on the terms, conditions, eligibility, and cost of any coverage offered, and only a Carrier can bind or modify coverage — this cannot be done solely through interaction with the Site.
c) Not Advice. Nothing on the Site should be regarded as a recommendation, advice, or a complete description of any insurance product, service, or plan. You should carefully review your own policy documents and consult with a licensed insurance professional regarding your specific coverage needs.
d) How We Are Paid. NerdWallet Insurance Experts may receive commissions, fees, or other compensation from Carriers and other business partners in connection with quotes, applications, referrals, or policies placed through the Services, consistent with applicable insurance regulations. By using the Services, you acknowledge and agree to this method of compensation.
4. Mobile, SMS, and Telephone Communications Consent
a) Express Consent to Be Contacted. By providing your telephone number(s) (including a wireless/mobile number) to NerdWallet Insurance Experts through the Site, a form, an application, or otherwise, you expressly consent to receive calls and text messages (SMS/MMS) from NerdWallet Insurance Experts and our licensed agents at the number(s) you provided — including a number on any state or federal Do Not Call registry. This consent covers calls and texts regarding your quote request, application, or policy servicing, as well as marketing and promotional messages about insurance products, and includes calls or texts made using an automatic telephone dialing system, an artificial or prerecorded voice, or other autodialing or automated technology, as those terms are defined under the Telephone Consumer Protection Act (“TCPA”) and its implementing regulations.
b) Consent Is Not a Condition of Purchase. Your agreement to receive autodialed, prerecorded, or automated calls or texts is not a condition of obtaining any quote, product, or service from NerdWallet Insurance Experts. You may still request a quote or purchase insurance by contacting us directly at 833-694-0512 or [email protected] without providing this consent.
c) Message Frequency and Charges. Message and data rates may apply to any texts we send. Message frequency varies based on your interactions with us. Contact your wireless carrier for details about your plan.
d) How to Opt Out or Get Help.
- Texts: Reply STOP to any text message to opt out of further text messages, or reply HELP for assistance. You may also contact us at [email protected] or 833-694-0512 to opt out.
- Calls: To stop receiving calls, including autodialed or prerecorded calls, tell the representative on the call, or contact us at [email protected] or 833-694-0512.
- We will process opt-out requests within a reasonable time as required by applicable law. Opting out of marketing communications will not affect calls or texts reasonably necessary to service an active quote, application, or policy, unless you separately opt out of those as well.
e) Wireless Carriers Not Liable. Wireless carriers and networks are not liable for delayed or undelivered messages. NerdWallet Insurance Experts is not liable for any delays or failures in the transmission or delivery of any message caused by your wireless carrier or network, and disclaims all liability for such delays or failures to the extent permitted by applicable law.
f) Revocation of Consent. You may revoke your consent to receive calls or texts at any time using any reasonable method, including the methods described in subsection (d) above. If you revoke consent, we will honor your request and will not require you to use any specific method to do so.
g) Scope. This consent applies solely to communications from NerdWallet Insurance Experts. It does not constitute consent to marketing from any Carrier, Third-Party Provider, or other unaffiliated third party. Your consent to receive communications through a particular channel (e.g., text) does not obligate you to complete any transaction through that same channel.
h) No Sharing for Third-Party Marketing. NerdWallet Insurance Experts will not share your mobile phone number with any third party or affiliate for that third party’s own marketing or promotional purposes. Your text messaging opt-in status and consent, specifically, will not be shared with any third party for marketing purposes.
5. Third-Party Products and Services
a) Advice and Content from Third-Parties. Some Services involve content, quotes, or advice from Carriers or other third parties. Such content is provided for informational or educational purposes only and does not constitute advice from NerdWallet Insurance Experts. We are not liable for advice or content provided by third parties, and you are responsible for your own insurance-purchasing decisions.
b) Products from Third-Party Providers. The Site may enable you to apply for, receive, or participate in insurance products and services provided or operated by a Carrier or other third party (a “Third-Party Provider”). Third-Party Providers are not employed by, and their products are not provided by, NerdWallet Insurance Experts. We are not liable for any acts or omissions of a Third-Party Provider, or for any loss or damage arising from a Third-Party Provider’s products, which are subject to change and cancellation by that Third-Party Provider and to its own terms and conditions.
c) Sharing Information with Third Parties. To obtain quotes, apply for, or bind insurance through the Services, you will need to provide personal and sensitive information (such as name, address, date of birth, driver’s license, vehicle, property, health, or financial information) to us and to Carriers. By using the Services, you consent to our collection, use, and transfer of this information, including to Carriers and other Third-Party Providers, as described in our Privacy Policy. Your decision to share sensitive information with a third party is your own responsibility and at your own risk; we do not control and make no representations regarding a third party’s use of information you provide to it directly.
d) We Do Not Control or Endorse Third Parties. The Services may link to or direct you toward third-party websites (“Third-Party Sites”). We provide these links as a convenience and do not control, endorse, or review the content, products, or services offered on Third-Party Sites, and we are not responsible for any damage or loss arising from your use of them.
6. Prohibited Conduct
You agree not to:
a) Use the Services for any illegal, false, or fraudulent purpose, or submit any quote request, application, or form that does not reflect actual applicant information or a genuine intent to evaluate or purchase insurance, including any duplicative, speculative, test, or automated request;
b) Violate or misappropriate the rights of third parties, including intellectual property rights;
c) Post or transmit any content that is unlawful, defamatory, harassing, threatening, or otherwise objectionable;
d) Interfere with the security, operation, or any user’s enjoyment of the Services, including via viruses, malicious code, or unsolicited advertising;
e) Access, monitor, index, scrape, or copy any portion of the Site using any robot, script, spider, crawler, headless browser, automated agent, AI or machine-learning system, or other automated or manual process not authorized in writing by us, including for purposes of training, fine-tuning, evaluating, or grounding any artificial intelligence or machine-learning model;
f) Bypass, circumvent, or interfere with any rate limit, CAPTCHA, bot-detection system, or other access-control or technical protection measure on the Site;
g) Impersonate any person or entity, falsify your identity or age, or access another user’s account without permission;
h) Copy, reproduce, rent, lease, sell, sublicense, or create derivative works of the Services; or
i) Reverse engineer, disassemble, or decompile the Services, except to the extent expressly permitted by applicable law.
We reserve the right, without notice, to suspend or terminate access — by account, device, or IP address — for any actual or suspected violation of this Section, and to pursue available legal remedies.
7. Intellectual Property and User Content
The Services are protected by applicable copyright and other intellectual property laws, and no materials from the Services may be copied, reproduced, republished, or distributed without our express permission. All trademarks and service marks on the Services belong to NerdWallet Insurance Experts or its licensors, except third-party marks, which belong to their respective owners.
You hereby grant to NerdWallet Insurance Experts a royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, and distribute any content or information you submit in connection with the Services (“Content”) (a) to provide you the Services and fulfill our obligations under these Terms and our Privacy Policy, and (b) to de-identify such Content, which de-identified Content we may use for any purpose. You represent and warrant that you own or otherwise have the right to use any Content you submit.
8. Privacy
Your use of the Services is subject to our Privacy Policy. By using the Services, you consent to the collection, use, and sharing of information as described there.
9. Website Accessibility
We believe accessibility is an important goal and are taking affirmative steps to make the Site as accessible as possible to people of all abilities. If you have questions about accessibility or our improvement efforts, contact us at [email protected].
10. Indemnification
You agree that you are personally responsible for your use of the Services, and you agree to defend, indemnify, and hold harmless NerdWallet Insurance Experts and its current and former employees, contractors, directors, and officers from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or connected with (i) content you submit through the Services; (ii) your violation of these Terms or any applicable law; (iii) your violation of any third-party right; or (iv) any dispute between you and a Third-Party Provider. We reserve the right, at our own expense, to assume exclusive defense of any matter otherwise subject to indemnification by you.
11. Disclaimers of Warranties
THE DISCLAIMERS AND LIMITATIONS IN THIS SECTION 11 APPLY TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW. THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE THAT THE SERVICES WILL BE ERROR-FREE, SECURE, OR UNINTERRUPTED, AND WE DISCLAIM ANY WARRANTY AS TO THE ACCURACY, ADEQUACY, OR COMPLETENESS OF ANY QUOTE, RATE, OR OTHER CONTENT MADE AVAILABLE THROUGH THE SERVICES. WE MAKE NO WARRANTY REGARDING ANY CARRIER OR OTHER THIRD-PARTY PROVIDER, OR ANY PRODUCT OR SERVICE THEY OFFER. SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THIS DISCLAIMER MAY NOT APPLY IN WHOLE OR PART TO YOU.
12. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: (A) IN NO EVENT WILL NERDWALLET INSURANCE EXPERTS OR ITS OFFICERS, EMPLOYEES, SERVICE PROVIDERS, OR REPRESENTATIVES BE LIABLE TO YOU FOR ANY INCIDENTAL, SPECIAL, CONSEQUENTIAL, INDIRECT, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR RELATING TO THE SERVICES, WHETHER BASED IN CONTRACT, TORT, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND (B) OUR CUMULATIVE LIABILITY TO YOU SHALL NOT EXCEED THE GREATER OF WHAT YOU PAID US FOR THE APPLICABLE SERVICES (IF ANY) AND US $100. INSURANCE COVERAGE ITSELF IS PROVIDED SOLELY BY THE APPLICABLE CARRIER AND IS SUBJECT TO THAT CARRIER’S POLICY TERMS; THIS LIMITATION DOES NOT AFFECT ANY RIGHTS YOU MAY HAVE UNDER YOUR INSURANCE POLICY OR APPLICABLE INSURANCE LAW.
13. Termination
If you violate these Terms, your permission to use the Services will automatically terminate. We may also suspend or terminate your account or access to the Services at any time, in our sole discretion, with or without notice. You may terminate your account at any time by contacting us at [email protected].
14. Modification of the Terms and Services
We may modify these Terms and impose new or additional terms at any time. We will notify you by updating the date at the top of these Terms and, where required by law, by additional notice. Your continued use of the Services after a change constitutes acceptance of the modified Terms. We also reserve the right to modify or discontinue the Services, in whole or part, at any time without liability to you.
15. Governing Law
These Terms are governed by the laws of the State of Arizona and the Federal Arbitration Act (“FAA”), without regard to conflict-of-law principles. Subject to Section 16 (Arbitration), you and NerdWallet Insurance Experts agree to submit to the exclusive personal jurisdiction of the state and federal courts located in Maricopa County, Arizona for any dispute not subject to arbitration.
16. Dispute Resolution by Binding Arbitration; Class Action Waiver
Most concerns can be resolved quickly by contacting us at [email protected]. If we cannot resolve a dispute informally, then, except for small claims court matters and intellectual property claims, you and NerdWallet Insurance Experts agree to resolve the dispute through binding arbitration as set forth below, and each party waives the right to a trial by jury or to participate in a class action.
a) Claims Subject to Arbitration. To the maximum extent permitted by law, NerdWallet Insurance Experts and you agree to arbitrate any and all disputes arising out of or relating to these Terms or the Services, except that either party may (1) bring an individual action in small claims court where the rules of that court allow it, or (2) seek injunctive relief in court as described in subsection (g) below pending a final arbitration decision.
b) Arbitrator and Rules. Arbitration will be administered by the American Arbitration Association (“AAA”) under its Consumer and/or Commercial Arbitration Rules, as modified by these Terms. Rules and filing forms are available at www.adr.org or by calling 1-800-778-7879.
c) Notice and Process. A party seeking arbitration must first send the other a written notice of dispute describing the claim and the relief sought. Notice to NerdWallet Insurance Experts should be sent to: NerdWallet Insurance Experts, LLC, 4150 N Drinkwater Blvd, Suite 200, Scottsdale, AZ 85251. If the parties do not resolve the claim within 30 days of the notice, either party may commence arbitration.
d) Fees. If you commence arbitration under these Terms, we will, at your request, reimburse your arbitration filing fee unless your claim exceeds $10,000, in which case fees will be allocated per the AAA Rules.
e) Class Action Waiver. Arbitration will proceed on an individual basis only. The arbitrator may not consolidate more than one person’s claims and may not preside over any class or representative proceeding. If this subsection is found unenforceable in its entirety, this entire arbitration provision shall be null and void; if only part is found unenforceable, that part shall be severed and the remainder enforced.
f) Discovery. Discovery will be governed by the AAA Rules.
g) Injunctive Relief. Notwithstanding this arbitration agreement, either party may seek injunctive relief in court for actual or threatened misuse of intellectual property or unauthorized access to the Services, as money damages would be an inadequate remedy.
h) Severability. If any part of this Section 16 is found invalid or unenforceable, the remaining parts shall still apply. If this entire Section 16 is found unenforceable, the exclusive jurisdiction and venue described in Section 15 shall govern, and the rest of these Terms will continue to apply.
17. General Provisions
a) Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and NerdWallet Insurance Experts regarding the Services, and may only be amended as described in Section 14 or by a signed written agreement.
b) No Waiver. Our failure to enforce any provision does not waive our right to enforce it later.
c) Headers. Section headers are for convenience only and do not affect interpretation.
d) Severability. If any part of these Terms is held invalid or unenforceable, that part will be enforced to the maximum extent possible, and the remaining parts will remain in full force.
e) Partner Terms. Where a Carrier or other partner requires you to agree to additional terms specific to its product, those terms apply in addition to these Terms; in the event of conflict, these Terms govern.
f) Third-Party Beneficiaries. Our current and former employees, directors, officers, and contractors are intended third-party beneficiaries of Section 10 (Indemnification) and Section 16 (Arbitration) and may enforce those provisions against you. These Terms do not otherwise create third-party beneficiary rights.
18. Notice to California Residents
Under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite S-202, Sacramento, California 95834, or by telephone at (800) 952-5210, to resolve a complaint regarding the Services.
19. Contact Us
Questions or suggestions about the Services can be sent to [email protected], 833-694-0512, or 4150 N Drinkwater Blvd, Suite 200, Scottsdale, AZ 85251.