Advertiser Disclosure

What We Are

1. Our Business Model

1.1 How We Operate

RoadBuddy generates revenue through affiliate partnerships with third-party insurance aggregators. When users click our referral links and take actions on our partner platforms, we earn commissions. This is our primary source of income.

Important: This commission-based model means we have a financial incentive to refer users to our affiliate partners. However, our editorial content is created independently, and our partner relationships do not influence our reviews of insurance providers or coverage types.

1.2 What We Are NOT

To be absolutely clear about our scope and limitations, we are NOT:

• An Insurance Provider: We do not sell insurance policies, underwrite risks, or issue insurance contracts.
• An Insurance Broker: We are not licensed to bind coverage or act as a middleman between you and insurance carriers.
• An Insurance Agent: We do not have the authority to represent insurance companies or negotiate on your behalf.
• An Insurance Adjuster: We do not process claims or adjust insurance disputes.
• An Insurance Consultant or Advisor: We do not provide personalized insurance advice based on your specific circumstances.
• An Insurance Quote Aggregator: We do not directly collect quotes from insurance carriers. We direct users to aggregator partners who do this work.
• A Data Collection Service: We do not collect or store sensitive personal information like Social Security numbers, driving histories, or financial details.

2. Our Relationship with Affiliate Partners

2.1 Who Are Our Affiliate Partners?

Our primary affiliate partners are established insurance quote aggregators and comparison platforms.
These partners are NOT insurance companies. They are technology platforms that:

• Collect quote requests from users
• Forward requests to multiple insurance carriers
• Display and compare quotes from different insurers
• Handle user data during the quote process

2.2 Commission Structure

We earn commissions from our affiliate partners based on:

• Quote Requests: When a user completes a quote request form on the aggregator’s platform
• Successful Redirects: When a user successfully reaches the aggregator’s website through our link
• Other Qualifying Actions: As defined in individual affiliate agreements with our partners

Commission amounts vary by partner and may be:

• A fixed amount per qualifying action (e.g., $5-$15 per quote)
• A variable amount based on user location or insurance type
• Subject to performance bonuses or tiered structures

Note: You will never see these commissions or be charged additional fees. The commission is paid by the aggregator to us, not by you to anyone. Your quote price is not affected by whether you use our link or visit the aggregator directly.

3. Our Limitations and Restrictions

3.1 What We Cannot Do

Due to our status as an unlicensed comparison and referral platform, we are legally restricted from:

• Collecting insurance applications or underwriting information
• Processing insurance applications on behalf of carriers
• Issuing insurance policies or coverage confirmations
• Processing insurance payments or premiums
• Handling insurance claims or disputes
• Providing specific insurance advice tailored to your individual situation
• Recommending that you purchase specific policies or from specific carriers
• Acting as your legal representative in insurance matters

3.2 Information We Do NOT Collect

We do NOT directly collect or request:

• Social Security numbers or tax identification numbers
• Driving history information
• Accident or claims history
• Financial information or credit card details
• Vehicle identification numbers (VINs) for quote purposes
• Detailed personal health information

When you reach our affiliate partners’ websites, THEY will collect this information directly from you as part of their quote process. Your data is handled by them according to THEIR privacy policies, not ours.

4. Our Content and Editorial Standards

4.1 How We Create Content

Our educational content about auto insurance is created based on:

• Research: Analysis of public data, industry reports, and insurance regulation information
• Industry Knowledge: Understanding of how insurance works, coverage types, and market trends
• Consumer Reviews: Publicly available customer satisfaction ratings and reviews
• Regulatory Information: State insurance department filings and complaint data
• Expert Input: Information from insurance professionals and publicly available educational resources

4.2 What Our Content Is NOT

Our content is not:

• Personalized Advice: We do not assess your individual insurance needs or circumstances
• Legal or Financial Guidance: We do not provide tax, financial planning, or legal advice
• Endorsements: We do not endorse specific insurance companies or recommend particular policies
• Guarantees: We do not guarantee that any insurance provider will approve your application or offer specific rates
• Complete or Authoritative: Our content is educational and may not cover all scenarios or regulations

4.3 How We Review Insurance Providers

When we discuss or compare insurance carriers on our site, we evaluate them based on publicly available information such as:

• Customer satisfaction ratings and reviews
• National Association of Insurance Commissioners (NAIC) complaint data
• Financial stability ratings from agencies like AM Best
• Coverage options and features offered
• Industry recognition and awards

These reviews are independent and are not influenced by affiliate relationships. We review insurers regardless of whether we have affiliate links to platforms that include them in their quotes.

5. Our Affiliate Links vs. Educational Content

5.1 How They Differ

It’s important to understand the difference between:

5.2 No Conflict of Interest

Our affiliate relationships do NOT:

• Influence which insurance providers we discuss in our content
• Determine which insurance carriers we rank favorably
• Affect the information we provide about coverage types or insurance products
• Cause us to exclude or downgrade specific insurance providers

6. State Insurance Regulations

6.1 Licensing and Compliance

RoadBuddy operates as an educational and informational resource. We are not required to be licensed as an insurance broker or agent because we:

• Do not collect insurance applications
• Do not bind or issue coverage
• Do not represent insurance companies
• Do not provide personalized insurance recommendations
• Only provide general educational information and referrals

6.2 State-Specific Information

Insurance regulations, availability, and pricing vary significantly by state. Our site provides general information applicable across multiple states, but:

• Specific products and rates may not be available in your state
• Some coverage types may be required or prohibited in your state
• State minimum coverage requirements vary

When you reach our affiliate partners’ platforms, they will confirm availability based on your location and provide state-specific quotes and options.

7. No Guarantee of Approval or Rates

We do not guarantee:

• That insurance carriers will approve your application
• That you will receive quotes from any specific insurance company
• Any particular insurance rates or pricing
• That coverage will be available in your state or for your circumstances
• That you will qualify for any specific discounts or offers

Insurance approval and pricing are determined solely by the insurance carriers based on their underwriting guidelines, your driving record, claimed history, and other factors.

8. User Responsibility

When you use our website and click our affiliate links, you acknowledge that:

• You understand we are not insurance providers, brokers, or agents
• You are voluntarily choosing to contact our affiliate partners for quotes
• Your data will be collected and used by the aggregators according to THEIR policies
• You have read and understood the limitations of our platform
• You are responsible for reviewing all quote information and terms before making decisions

9. Contact Information and Dispute Resolution

9.1 Questions or Concerns

If you have questions about our business model, limitations, or this disclosure, please contact us:

Email: [email protected]

9.2 Insurance-Related Issues

For issues related to:

• Quote accuracy or pricing: Contact the insurance carrier or aggregator directly
• Insurance claims or disputes: Contact your insurance carrier’s claims department
• Regulatory complaints: File a complaint with your state’s Department of Insurance
• Data breaches or privacy issues: Report to the aggregator or carrier involved, and your state’s Attorney General

10. Disclaimers

No Professional Relationship: Your use of our website does not create a professional relationship (broker-client, agent-client, or advisor-client) between you and us. We are not your insurance representative.

Educational Purpose: All information on our site is provided for educational purposes only and should not be construed as legal, financial, or insurance advice.

Not Responsible for Third Parties: We are not responsible for the actions, content, privacy practices, or services of our affiliate partners or insurance carriers. You use third-party platforms at your own risk.

Market Changes: Insurance products, pricing, and availability change frequently. Information on our site may not reflect the most current options or pricing at any given time.