Affiliate Disclosure & Terms

Disclosure Statement

1. What Are Affiliate Links?

Affiliate links are special URLs that track when a user visits a partner website through our link and completes a specified action (such as requesting a quote or signing up for a service). When this happens, we may earn a commission from our affiliate partner.

You can typically identify our affiliate links by:

• Text near the link stating “Affiliate Link” or “We Earn Commission”
• Visual indicators such as buttons or badges labeled “Get Quotes” or “Compare Quotes”
• Explicit disclosure statements on the page containing the link

You have the freedom to navigate directly to our affiliate partners’ websites without using our links if you prefer. Using our links does not change the price you pay or the services available to you.

2. Our Affiliate Partners

We partner with established, reputable insurance quote aggregators and insurance service platforms.

We may add or remove affiliate partnerships from time to time based on service quality, user experience, and business considerations. This page will be updated to reflect any significant changes to our affiliate relationships.

3. How We Earn Commissions

3.1 Commission Structure

We earn commissions when users who arrive at our affiliate partners’ websites through our links:

• Complete a quote request
• Initiate a comparison tool or calculator
• Sign up for a service or notification
• Complete another qualifying action specified by the affiliate partner

Commission amounts vary by partner and may be based on:

• A fixed amount per qualifying action (e.g., $5 per quote request)
• A percentage of a transaction value
• Other performance-based metrics agreed upon with the affiliate partner

You will never be charged additional fees, and the commission amount does not affect your final price or the services available to you when working with our affiliate partners.

3.2 No Direct Insurance Sales

RoadBuddy is not an insurance provider, insurance broker, or licensed insurance agent. We do not:

• Sell insurance policies directly
• Process insurance applications
• Make underwriting decisions
• Collect personal financial information
• Maintain customer data for insurance purposes

All quote requests, underwriting, and policy issuance are handled exclusively by the insurance carriers and aggregators you work with directly. We are purely a referral and comparison resource.

4. Editorial Independence & Affiliate Relationships

Our editorial content—including insurance provider reviews, coverage guides, and educational articles – is created independently and is not influenced by affiliate relationships or commission potential.

4.1 How We Select Content

Our content is developed based on:

• Research and data analysis about insurance providers and products
• Customer ratings, reviews, and industry reputation
• Coverage options, pricing competitiveness, and customer service quality
• Relevance to common insurance questions and concerns

4.2 How We Select Affiliate Partners

Our affiliate partners are selected based on:

• Service quality and user experience
• Reputation and trustworthiness in the industry
• Fair commission structures
• Alignment with our editorial values

Commission amounts do not influence which partners we choose to promote or how we discuss insurance options on our site. We do not prioritize insurance providers based on which aggregators offer us higher commissions.

4.3 Separation of Content and Commerce

Our insurance provider reviews and educational content are clearly separated from our affiliate links. When we review an insurance carrier (such as Progressive, State Farm, or GEICO), that review is based on its own merits and is not influenced by whether we have an affiliate partnership to quote that specific carrier.

If you see an affiliate link next to content about an insurance provider, the link directs you to an aggregator that includes quotes from that provider – not directly to the carrier itself. This is because we do not have direct affiliate relationships with individual insurance carriers (which would require us to hold a insurance broker or agent license).

5. Affiliate Disclosures on Our Site

5.1 Where Disclosures Appear

In compliance with FTC guidelines and similar regulations, we clearly disclose our affiliate relationships. Affiliate link disclosures appear:

• Directly next to each affiliate link or button – The primary location for disclosure
• In the page content near the link – Statements like “We earn a commission when you click this link and request a quote”
• In article introductions – When an article contains multiple affiliate links
• At the bottom of pages with affiliate content – General disclosure for pages with affiliate elements

Disclosures are positioned so they are clearly visible without requiring scrolling past the affiliate link. We do not hide affiliate information in fine print, footnotes, or hard-to-find locations.

5.2 Disclosure Language

Our typical affiliate disclosure language includes:

• “We earn a commission when you click this link and receive a quote”
• “Affiliate link: We may earn a commission from this partner”
• “This link is an affiliate link. Clicking here won’t cost you extra”
• Similar clear, direct language explaining the commercial relationship

We avoid vague or ambiguous terms like #ad, #sp, or #blessed, which do not clearly communicate the affiliate relationship to readers.

6. How Your Data Is Handled

6.1 Information Shared with Affiliate Partners

When you click an affiliate link and visit one of our partners’ websites, limited information is transmitted to track the referral:

• The fact that you clicked the link (attribution)
• The referring page/source
• A tracking ID or cookie to match the referral to any subsequent action

We do NOT share personal information like your name, email, phone number, or Social Security number with affiliate partners, except when you voluntarily enter that information directly on their website.

6.2 Affiliate Partner Privacy

Once you leave our website and enter an affiliate partner’s site, their privacy policy governs how your data is collected and used. We recommend reviewing their privacy practices before submitting personal information.

For more details about our data handling practices, please see our Privacy Policy.

7. FTC Compliance

This website complies with the Federal Trade Commission’s Guides Concerning the Use of Endorsements and Testimonials in Advertising (16 CFR Part 255). These guidelines require clear and conspicuous disclosure of material connections between endorsers and sellers of advertised products or services.

Our affiliate disclosures are designed to be:

• Clear: Using plain, easy-to-understand language
• Conspicuous: Placed where they are obvious and difficult to miss
• Frequent: Appearing on every page with affiliate links or content
• Proximity-based: Located close to or immediately following the affiliate link

8. No Endorsement of Insurance Carriers

While we discuss and compare auto insurance carriers on our website, we do not endorse any specific insurance company. Our reviews and comparisons are educational in nature and should not be construed as recommendations to purchase from any particular carrier.

Insurance needs vary by individual, and what works best for one person may not work for another. We encourage you to:

• Compare quotes from multiple insurers using our affiliated aggregators
• Review coverage options, deductibles, and pricing carefully
• Consider your specific needs and circumstances
• Contact carriers directly if you have questions about their policies

9. Limitations of Liability

We provide affiliate links and educational information as a service. We are not responsible for:

• The accuracy or completeness of information provided by our affiliate partners
• The quotes, rates, or policies offered by insurance carriers
• Any errors or delays in the quote process
• Issues with coverage, claims, or customer service from insurance providers
• Your decision to purchase insurance from any particular carrier

By clicking an affiliate link, you acknowledge that you do so at your own discretion and assume all responsibility for reviewing the products and services offered.

10. Changes to Affiliate Relationships

We may update our affiliate partnerships from time to time. Changes may include:

• Adding new affiliate partners
• Ending partnerships with existing affiliates
• Updating commission structures or terms
• Modifying disclosure language to comply with current regulations

The most up-to-date list of our affiliate partners and their relationships appears in Section 2 of this page. This page will be updated to reflect significant changes, and you can check back periodically for updates.

11. Questions or Concerns

If you have questions about our affiliate relationships, disclosure practices, or this page, please contact us:

Email: [email protected]

We are committed to transparency and are happy to answer questions about how we operate and how our affiliate relationships work.

12. Additional Legal Information

12.1 No Insurance License

RoadBuddy is not licensed as an insurance broker, agent, or adjuster. We do not have the authority to bind coverage, issue policies, or provide insurance-specific legal advice. For questions about insurance coverage or claims, contact your insurance carrier or a licensed insurance professional directly.

12.2 State Variations

Insurance regulations vary by state. Availability of quotes, coverage options, and pricing may vary depending on your location. Our affiliate partners will determine coverage availability and pricing based on your specific circumstances and location.

12.3 Terms of Use

This Affiliate Disclosure page is part of our overall Terms of Use. By using our website and clicking on affiliate links, you agree to these terms and our practices regarding affiliate relationships and disclosures.