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Terms of Use

SureQuotePro Terms and Conditions

Last Updated: 03/11/2025

Thank you for accessing the SureQuotePro website (the “Site”). In these Terms and Conditions (“Terms”), “you,” "user" or "your" means you and any company on whose behalf you act while interacting with the Site. SureQuotePro is a dba of What If Holdings, LLC (“we,” “our,” “us” or “SureQuotePro”). By using the Site or its services, you agree to comply with and be bound by the Terms, including the arbitration provisions under the section titled “Disputes.” Please review these Terms carefully. If you do not agree to these Terms, you may not use the Site or its services.

1. Agreement. These Terms describe the terms and conditions applicable to your access of and use of the Site and its services. If you access this Site or use its services on behalf of a company, you represent and warrant that you have authority to act on behalf of such company and that these Terms apply to your company (including, without limitation, any of its employees who may use the Site or its services). These Terms may be modified at any time by us upon posting of the modified Agreement. Any such modifications shall be effective immediately. You can view the most recent version of these Terms at any time at this Site. Each use by you shall constitute and be deemed your unconditional acceptance of these Terms.

2. Privacy. Your visit to our Site is also governed by our Privacy Policy. Please review our Privacy Policy by clicking the “Privacy Policy” hyperlink near the bottom of the Site.

3. Leads and Call Transfers. If you obtain leads or call transfers through the Site:

  1. Pricing and other criteria. Pricing and other criteria (e.g., location and other attributes of potential customers, caps or volume requirements, etc.) will be as forth on the Site, in an Insertion Order (“IO”), or through a confirmed email with an authorized SureQuotePro representative (collectively, an “Order”).

  2. Billing and payments. Unless otherwise set forth in an Order, leads and call transfers will either be prepaid or on net 30 billing terms. Any dispute about an amount billed must be provided in writing to us within ten (10) days your receipt of the disputed bill. We will be entitled to reasonable attorneys’ fees and other reasonable costs that we incur in collecting on any unpaid invoice that you did not reasonably dispute within such ten (10) day period.

  3. No resale or redistribution. Unless set forth in an IO signed by all parties, Leads or call transfers are only for your use and may not be resold or redistributed.

  4. Name(s) for permission to contact. It is your responsibility to provide us prior written notice of the name(s) for which permission to contact potential customers should be obtained.

  5. Permission to contact and subsequent compliance with applicable laws. We will obtain “prior express consent” (as set forth in the Telephone Consumer Protection Act and applicable regulations) for leads or call transfers that resulted from dialing a lead. Once you receive a lead or a call transfer, you are responsible thereon for complying with all applicable laws including, without limitation, disclosing the use of any call recording technology, honoring any subsequent do-not-call requests, dialing within lawful time periods, checking for reassigned numbers, etc. Because the use of leads and call transfers is a highly regulated area, you are encouraged to consult with a competent attorney.

  6. Other lead and call transfer attributes. Unless otherwise set forth in an Order, leads and call transfers will be from potential customers that have expressed an interest in a relevant insurance product and will not be generated in any of the following ways: (i) through illegal or deceptive means; (ii) where agreeing to be contacted is necessary for receiving something of value (such as to obtain a gift card, enter a sweepstakes, obtain a prize, etc.); or (iii) in any way that violates widespread industry norms and would likely be materially damaging to your business.

  7. TrustedForm certificates. An ActiveProspect TrustedForm, Jornaya LeadiD, or comparable certificate will be generated for any lead or call transfer that resulted from dialing a lead. If we provide you with such a certificate, it is your responsibility to claim that certificate within thirty (30) days of your receipt of such certificate from us, and to retain that certificate for no less than four (4) years.

  8. Licenses. You represent and warrant that you hold all applicable licenses necessary for the receipt and use of leads and call transfers including, without limitation, the offering or sale of any applicable insurance product or service.

  9. Taxes. You are responsible for paying any taxes or similar assessments, together with any applicable penalties, interest, and administrative fees, that may arise in conjunction with your use of the Site or its services.

  10. Refunds. Any request for a refund must be made within thirty (30) days of receipt of the lead or call transfer for which a refund is sought. Except where we have materially violated these Terms, or have provided a duplicate lead or call transfer within a sixty (60) day period, any refunds will be at our sole discretion.

4. Ownership. All content included on this Site is and shall continue to be the property of us or our content suppliers and is protected under applicable copyright, patent, trademark, and other proprietary rights. Any copying, redistribution, use or publication by you of any such content or any part of the Site is prohibited, except as expressly permitted in these Terms. Under no circumstances will you acquire any ownership rights or other interest in any content by or through your use of this Site.

5. Intended Audience. This website is intended for adults only. This Site is not intended for and may not be used by any person under the age of 18.

6. Trademarks. “SureQuotePro” and other brands on the Site are either tradenames, trademarks or registered trademarks of us. Other product and company names mentioned on this Site may be trademarks of their respective owners.

7. Site Use. We grant you a limited, revocable, nonexclusive license to use this Site solely for your own use and not for republication, distribution, assignment, sublicense, sale, preparation of derivative works, or other use. You agree not to copy materials on the Site, reverse engineer or break into the Site, or use materials, products or services in violation of any law. The use of this Site is at the discretion of us and we may terminate your use of this Site at any time.

8. Compliance with Laws. You agree to comply with all applicable laws regarding your use of the Site. You further agreed that information provided by you is truthful and accurate to the best of your knowledge.

9. Indemnification. You agree to indemnify, defend and hold us and our partners, employees, parents, subsidiaries, and affiliates, harmless from any liability, loss, claim and expense, including reasonable attorney's fees, related to your violation of these Terms or use of the Site or its services. If you buy leads or call transfers under these Terms, we agree to indemnify, defend, and hold you harmless from any liability, loss, claim and expense, including reasonable attorney's fees, arising directly out of a claim brought by a third resulting from our breach of these Terms. Our indemnification obligation is contingent on: (a) prompt written notice by you of a claim, (b) sole control of the defense and settlement by us of the claim, and (c) reasonable cooperation by you in defending or settling the claim.

10. Limitation of Liability. IN NO EVENT WILL EITHER PARTY BE LIABLE TO THE OTHER FOR ANY: CONSEQUENTIAL, INDIRECT, EXEMPLARY, SPECIAL, OR INCIDENTAL DAMAGES, INCLUDING ANY LOST PROFITS, ARISING FROM OR RELATING TO THESE TERMS EVEN IF SUCH PARTY HAD BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL CUMULATIVE LIABILITY IN CONNECTION WITH THESE TERMS AND YOUR USE OF THE SITE OR ITS SERVICES, WHETHER IN CONTRACT OR IN TORT OR OTHERWISE, WILL NOT EXCEED THE AMOUNTS PAID BY YOU TO US PURSUANT TO THESE TERMS WITHIN THE ONE HUNDRED AND EIGHTY (180) DAY PERIOD PRIOR TO THE DATE ON WHICH SUCH CLAIM AROSE.

11. Disclaimer. EXCEPT FOR THE WARRANTIES EXPLICITLY PROVIDED BY US IN THE SECTION ABOVE TITLED “LEADS AND CALL TRANSFERS” WE DISCLAIM ALL WARRANTIES OF ANY KIND, INCLUDING BUT NOT LIMITED TO ANY EXPRESS WARRANTIES, STATUTORY WARRANTIES, AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. TO THE EXTENT YOUR JURISDICTION DOES NOT ALLOW LIMITATIONS ON WARRANTIES, THIS LIMITATION MAY NOT APPLY TO YOU. YOUR SOLE AND EXCLUSIVE REMEDY RELATING TO YOUR USE OF THE SITE SHALL BE TO DISCONTINUE USING THE SITE.

You may have additional rights under certain laws which do not allow the exclusion of implied warranties, or the exclusion or limitation of certain damages. If these laws apply to you, the exclusions or limitations in these Terms that directly conflict with such laws may not apply to you.

12. Use of Information. We reserve the right, and you authorize us, to use and assign all information regarding Site uses by you and all information provided by you in any manner consistent with our Privacy Policy.

13. Copyrights and Copyright Agent. If you believe your work has been copied in a way that constitutes copyright infringement, or your intellectual property rights have otherwise been violated, please provide a notice containing all of the following information to our Copyright Agent:
(a) An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
(b) A description of the copyrighted work that you claim has been infringed;
(c) A description of where the material that you claim is infringing is located on the Site;
(d) Your address, telephone number, and e-mail address;
(e) A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and
(f) A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

For notice of claims of copyright infringement, contact us as set forth below in the section titled “Contact Information and Notices.”

14. Disputes. Any dispute or claim relating in any way to your use of our Site or us will be resolved by binding arbitration, rather than in court, except that you may assert claims in small claims court if your claims qualify and we may assert claims in court for unpaid, past due amounts that are owed to us under these Terms. The Federal Arbitration Act and federal arbitration law apply to this agreement.

There is no judge or jury in arbitration, and court review of an arbitration award is limited. However, an arbitrator can award on an individual basis the same damages and relief as a court (including injunctive and declaratory relief or statutory damages), and must follow the terms of these Terms as a court would.

To begin an arbitration proceeding, you must send a letter requesting arbitration and describing your claim to us at the physical and email address set forth below in the section titled “Contact Information and Notices.” The arbitration will be conducted by the American Arbitration Association (AAA) under its rules, which are available at www.adr.org or by calling 1-800-778-7879. Payment of all filing, administration and arbitrator fees will be governed by the AAA's rules. We will reimburse those fees for claims totaling less than $5,000 unless the arbitrator determines the claims are frivolous. Likewise, we will not seek attorneys' fees and costs in arbitration unless the arbitrator determines the claims are frivolous. You may choose to have the arbitration conducted by telephone, based on written submissions, or in person in the county where you live or at another mutually agreed location.

We each agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated or representative action. If for any reason a claim proceeds in court rather than in arbitration we each waive any right to a jury trial. We also both agree that you or we may bring suit in court to enjoin infringement or other misuse of intellectual property rights.

15. Applicable Law. You agree that the laws of the state of New Jersey without regard to conflicts of laws provisions will govern these Terms and any dispute that may arise between you and us or our partners, employees, parents, subsidiaries, or affiliates.

16. Severability. If any provision of these Terms shall be adjudged by any court of competent jurisdiction to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

17. Waiver. The failure by us to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision. Any waiver of these Terms by us must be in writing and signed by an authorized representative.

18. Termination. We may terminate these Terms at any time, with or without notice, for any reason.

19. Relationship of the Parties. Nothing contained in these Terms or your use of the Site shall be construed to constitute either party as a partner, joint venturer, employee or agent of the other party, nor shall either party hold itself out as such. Neither party has any right or authority to incur, assume or create, in writing or otherwise, any warranty, liability or other obligation of any kind, express or implied, in the name of or on behalf of the other party, it being intended by both parties that each shall remain independent contractors responsible for its own actions.

20. Entire Agreement. This Terms of Use, including any Order entered hereunder, constitutes the entire agreement between you and us and governs your use of the Site and it services, and supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between you and us with respect to this Site. Notwithstanding the foregoing, you may also be subject to additional terms and conditions, posted policies (including but not limited to the Privacy Policy), guidelines, or rules that may apply when you use the Site. We may revise these Terms at any time by updating these Terms and posting it on the Site. Accordingly, you should visit the Site and review the Terms of Use periodically to determine if any changes have been made. Your continued use of this Site after any changes have been made to the Terms of Use signifies and confirms your acceptance of any such changes or amendments to the Terms of Use.

21. Assignment. Neither party may assign these Terms, by operation of law or otherwise, without the prior written consent of the other party. Notwithstanding the foregoing, either party shall have the right to assign these Terms to a successor by reason of merger, reorganization, sale of all or substantially all of a party’s assets, provided that the assigning party shall promptly notify the other party in writing of such an event and the non-assigning party shall have the right to immediately terminate these Terms by written notice to the assigning party.

22. Survival. The representations, warranties, confidentiality obligations, indemnifications, and notice provisions contained herein shall survive the termination of these Terms.

23. Contact Information and Notices.

Notice to us under these Terms must be provided to:

SureQuotePro
Attn: Compliance
1114 North Leroy St, Unit #3072
Fenton, MI 48430

With a mandatory cc to: info@surequotepro.com

We may provide notice to you via any reasonable means, including, without limitation, by sending an email to the email address that you submit to us via the Site or by mailing your registered agent.