terms and conditions - First Care Quote

Terms and Conditions

THESE TERMS OF USE CONTAIN AN ARBITRATION CLAUSE AND CLASS ACTION WAIVER THAT AFFECTS HOW DISPUTES WITH FIRST CARE QUOTE ARE RESOLVED. BY USING THIS WEBSITE, YOU AGREE TO THESE TERMS IN FULL, INCLUDING THE ARBITRATION AND CLASS ACTION WAIVER PROVISIONS. IF YOU DO NOT AGREE, DO NOT USE OUR SITE OR SERVICES.

1. ACCEPTANCE OF TERMS

These Terms of Use (“Terms”) govern your access to and use of FirstCareQuote.com and all related services or tools offered by First Care Quote, Inc. (collectively, the “Site”).

By accessing or using this Site, you acknowledge that you have read, understood, and agreed to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use our Site.

First Care Quote reserves the right to revise these Terms at any time without prior notice. Your continued use of the Site after such modifications constitutes acceptance of the updated Terms.

2. ELIGIBILITY

You must be at least 18 years of age to use this Site. By using the Site, you represent and warrant that you meet this age requirement and have the legal capacity to enter into a binding agreement under applicable law.

3. USE RESTRICTIONS

All content and materials on this Site — including text, graphics, images, logos, and other media (collectively “Content”) — are owned or licensed by First Care Quote and are protected under United States copyright and intellectual property laws.

You may not:

  • Copy, modify, reproduce, distribute, publish, display, transmit, or create derivative works from any part of the Site or Content without prior written permission.

  • Use the Site for any unlawful, fraudulent, or unauthorized purpose.

  • Interfere with or disrupt the operation or security of the Site.

  • Attempt to gain unauthorized access to the Site or its systems.

  • Use automated systems (robots, scrapers, crawlers) to extract data.

Violation of these Terms may result in termination of access, civil liability, and/or criminal prosecution.

4. LIMITED LICENSE

Subject to these Terms, First Care Quote grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for lawful personal or commercial use directly related to ACA health insurance inquiries.

This license does not allow you to:

  • Resell or exploit the Site’s content for commercial purposes;

  • Reproduce, duplicate, copy, sell, or otherwise misuse any portion of the Site;

  • Reverse-engineer or attempt to derive the Site’s source code.

5. USER SUBMISSIONS

Any information, data, or materials you provide through the Site (“Submission”) — including contact details, quote requests, or feedback — are governed by our Privacy Policy.

By submitting information, you agree that:

  • The information is accurate and lawful;

  • You will not upload or transmit harmful, defamatory, or unlawful content;

  • You grant First Care Quote a non-exclusive, royalty-free, perpetual license to use, display, and share your Submission as needed to provide services or comply with law.

First Care Quote is not responsible for monitoring user Submissions but reserves the right to remove any content it deems inappropriate, offensive, or noncompliant with these Terms.

6. SUBMISSION OF IDEAS

First Care Quote does not accept unsolicited ideas or business proposals. Any ideas, suggestions, or materials submitted voluntarily become the sole property of First Care Quote and may be used without compensation or obligation.

7. DISCLAIMER AND LIMITATION OF LIABILITY

THE SITE AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

FIRST CARE QUOTE MAKES NO REPRESENTATION OR WARRANTY THAT:

  • THE SITE WILL BE ERROR-FREE OR UNINTERRUPTED;

  • INFORMATION ON THE SITE IS ACCURATE, COMPLETE, OR CURRENT;

  • THE SITE OR ITS SERVERS ARE FREE OF VIRUSES OR HARMFUL COMPONENTS.

TO THE FULLEST EXTENT PERMITTED BY LAW, FIRST CARE QUOTE AND ITS AFFILIATES, PARTNERS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF YOUR USE OR INABILITY TO USE THE SITE OR CONTENT, INCLUDING LOSS OF DATA OR PROFITS.

8. YOUR ACCOUNT

If you create an account or submit information through the Site, you are responsible for maintaining the confidentiality of your login credentials and for all activities occurring under your account. First Care Quote reserves the right to suspend or terminate accounts at its discretion.

9. THIRD-PARTY LINKS AND CONTENT

Our Site may contain links to third-party websites or services. First Care Quote does not control, endorse, or assume responsibility for third-party content or practices.

By using these links, you acknowledge that First Care Quote is not liable for any damages or losses arising from your interactions with third-party websites or providers.

10. INDEMNIFICATION

You agree to defend, indemnify, and hold harmless First Care Quote, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses (including attorneys’ fees) arising out of your use of the Site or violation of these Terms.

11. MODIFICATION OR SUSPENSION

First Care Quote reserves the right to modify, suspend, or discontinue any part of the Site at any time without notice or liability.

12. GOVERNING LAW AND JURISDICTION

These Terms shall be governed by and construed under the laws of the State of Florida, United States, without regard to conflict of law principles.

If arbitration (as described below) does not apply, you agree that any disputes shall be heard exclusively in the state or federal courts located in Miami-Dade County, Florida.

13. ARBITRATION AGREEMENT AND CLASS ACTION WAIVER

PLEASE READ THIS SECTION CAREFULLY – IT AFFECTS YOUR LEGAL RIGHTS.

You and First Care Quote agree to resolve any disputes, claims, or controversies arising out of or related to the Site or these Terms through binding arbitration, rather than in court, except for small claims that qualify in a small claims court.

  • Arbitration shall be conducted under the rules of JAMS in accordance with the Federal Arbitration Act (FAA).

  • Arbitration will be conducted by a single arbitrator on an individual basis, not as a class or collective action.

  • You waive any right to participate in a class action, class arbitration, or representative proceeding.

  • Each party will bear its own legal fees, unless otherwise required by law.

If this arbitration clause is found unenforceable, the dispute will be resolved exclusively in the courts of Miami-Dade County, Florida.

14. COPYRIGHT COMPLIANCE (DMCA NOTICE)

If you believe that any content on our Site infringes your copyright, please send a written notice to:

First Care Quote, Inc.
Attn: Legal Department
Address: [Insert Full Business Address]
Phone: +1 (754) 250-0386
Email: info@firstcarequote.com

Your notice must include:

  1. Identification of the copyrighted work claimed to be infringed.

  2. Description and URL of the allegedly infringing material.

  3. Your contact information (name, address, email, and phone).

  4. A statement under penalty of perjury that you are the copyright owner or authorized to act on behalf of one.

  5. Your electronic or physical signature.

First Care Quote reserves the right to remove infringing material and terminate accounts of repeat infringers.

15. ENTIRE AGREEMENT

These Terms of Use, along with our Privacy Policy, constitute the entire agreement between you and First Care Quote, Inc. regarding use of the Site. Any other prior agreements or understandings are hereby superseded.

16. CONTACT INFORMATION

For questions about these Terms, please contact:

First Care Quote, Inc.
Email: info@firstcarequote.com
Phone: +1 (754) 250-0386
Website: https://firstcarequote.com

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