Agreement to Terms
By accessing and using RoadBuddy (the “Site”), you agree to be bound by these Terms of Use (“Terms”). If you do not agree to these Terms, do not use this Site. We reserve the right to modify these Terms at any time. Your continued use of the Site following any changes constitutes your acceptance of the new Terms.
1. Use License
Permission is granted to temporarily download one copy of the materials (information or software) on RoadBuddy for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:
- Modify or copy the materials
- Use the materials for any commercial purpose or for any public display (commercial or non-commercial)
- Attempt to decompile or reverse engineer any software contained on the Site
- Remove any copyright or other proprietary notations from the materials
- Transfer the materials to another person or “mirror” the materials on any other server
- Use automated tools (bots, scrapers, crawlers) to extract data from the Site without permission
- Disable, circumvent, or interfere with security-related features of the Site
2. Disclaimer of Warranties
The materials on RoadBuddy are provided on an “as-is” basis. RoadBuddy makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights.
Further, RoadBuddy does not warrant or make any representations concerning:
- The accuracy, completeness, or reliability of the information on the Site
- That the Site will be available or uninterrupted
- That defects in the Site will be corrected
- The quality of any products, services, or information purchased or obtained through the Site
- That any errors or defects in the Site will be corrected
3. Limitations of Liability
In no event shall RoadBuddy, its officers, directors, employees, or agents be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on RoadBuddy, even if RoadBuddy or an authorized representative has been notified orally or in writing of the possibility of such damage.
This limitation of liability applies to:
- Direct and indirect damages
- Consequential, incidental, special, or punitive damages
- Lost profits or revenue
- Loss of business opportunity
- Third-party claims or actions
This limitation applies regardless of the legal theory (contract, tort, negligence, strict liability, or otherwise) and even if advised of the possibility of such damages.
4. Accuracy of Materials
The materials appearing on RoadBuddy could include technical, typographical, or photographic errors. RoadBuddy does not warrant that any of the materials on the Site are accurate, complete, or current. RoadBuddy may make changes to the materials contained on the Site at any time without notice.
Our content about insurance providers, coverage types, and insurance topics is provided for informational and educational purposes only. It is not:
- Insurance advice specific to your situation
- A recommendation to purchase insurance from any particular provider
- Legal, financial, or tax advice
- A guarantee of insurance coverage or pricing
- A complete or authoritative source of insurance information
5. Terms of Service Updates
RoadBuddy does not warrant that the materials on the Site are appropriate for all individuals or are free from harmful materials. It is your responsibility to determine whether the Site and its materials are appropriate for you.
In no case shall RoadBuddy or its suppliers be liable for any damages or costs including any direct, indirect, incidental, consequential, special, or punitive damages, or lost profits, arising out of or connected with use of or reliance upon the Site or the materials.
6. Third-Party Links and Affiliate Relationships
6.1 Links to Third Parties
This Site may contain links to other websites, including those of our affiliate partners. RoadBuddy is not responsible for the contents, accuracy, or practices of any linked sites. Links from RoadBuddy to other sites do not constitute an endorsement or approval by [Website Name] of those sites or their content.
When you click on an affiliate link and leave our Site, you are subject to:
- The terms and conditions of that third-party website
- That website’s privacy policy and data collection practices
- That website’s own disclaimers and limitations of liability
RoadBuddy is not responsible for any loss or damage arising from your use of linked websites or services.
6.2 Affiliate Relationships
RoadBuddy earns affiliate commissions when you click our links and complete actions on our affiliate partners’ platforms (such as requesting insurance quotes). These commissions do not affect your costs or the pricing you receive.
Our inclusion of affiliate links does not constitute an endorsement of the linked service. You are responsible for reviewing the terms, privacy policies, and practices of any linked services before using them.
7. Insurance-Related Disclaimers
7.1 Not an Insurance Provider
RoadBuddy is not an insurance provider, insurance broker, insurance agent, or licensed insurance intermediary. We do not:
- Sell insurance policies
- Process insurance applications
- Make underwriting or coverage decisions
- Issue insurance contracts or binders
- Handle insurance claims or disputes
- Provide personalized insurance advice
All insurance-related functions are performed exclusively by insurance carriers or aggregators. Your relationship for any insurance services is with those parties, not with RoadBuddy.
7.2 No Insurance Advice
Nothing on this Site should be construed as insurance advice, recommendations, or guidance specific to your situation. Insurance needs vary by individual, and what is appropriate for one person may not be appropriate for another.
For personalized insurance guidance, contact:
- A licensed insurance agent or broker in your state
- An insurance carrier directly
- Your state’s insurance department
7.3 State Licensing Requirements
RoadBuddy does not hold licenses as an insurance agent, broker, adjuster, or other insurance professional in any state. Our operation as an informational and referral site does not require such licensing.
State insurance regulations, product availability, and pricing vary significantly by location. Quote availability and rates will be determined by the insurance carriers when you contact them through our affiliate partners.
8. User Conduct and Restrictions
You agree not to use RoadBuddy for any unlawful purpose or in any way that could damage, disable, or impair the Site. Specifically, you agree not to:
- Harass, threaten, defame, or abuse other users
- Post or transmit unlawful content (illegal material, spam, viruses, malware)
- Violate intellectual property rights (copyrights, trademarks, patents)
- Post private information without consent
- Interfere with the operation or security of the Site
- Attempt to gain unauthorized access to Site systems or data
- Use automated tools to extract, collect, or scrape content without permission
- Violate any applicable laws or regulations
- Engage in fraudulent or deceptive practices
- Submit false or misleading information
Violations of these terms may result in immediate termination of your access to the Site and potential legal action.
9. Email Subscription and Communications
When you subscribe to our email list, you are agreeing to receive communications from [Website Name]. You can unsubscribe at any time by:
- Clicking the “Unsubscribe” link in any email
- Contacting us directly at [email protected]
We will not sell, rent, or share your email address with third parties except as required by law or as disclosed in our Privacy Policy.
You may also receive transactional emails (such as confirmation of subscription status) even after unsubscribing from marketing communications, if legally required.
10. Content Ownership and Intellectual Property
10.1 Our Intellectual Property
All content on RoadBuddy, including text, graphics, logos, images, audio clips, video clips, digital downloads, and data compilations, is the property of RoadBuddy or its content suppliers and is protected by international copyright laws.
You may not reproduce, duplicate, copy, sell, resell, or exploit any portion of the Site or its content without express written permission from RoadBuddy.
10.2 User-Submitted Content
Any content you submit to RoadBuddy (such as comments, contact form submissions, or feedback) grants RoadBuddy a non-exclusive, royalty-free, perpetual, and irrevocable right to use, reproduce, modify, and distribute that content. You retain ownership of your content, but you are granting RoadBuddy broad rights to use it.
You agree not to submit content that:
- Is illegal or violates third-party rights
- Contains personal information without consent
- Is obscene, defamatory, or harassing
11. Indemnification
You agree to indemnify and hold harmless RoadBuddy, its officers, directors, employees, and agents from any claim, demand, or damage (including attorney’s fees) arising out of or related to:
- Your use of the Site
- Your violation of these Terms
- Your violation of any law or third-party rights
- Your content or submissions
12. Termination of Access
RoadBuddy may terminate your access to the Site at any time, with or without cause, and with or without notice. Termination may result from:
- Violation of these Terms
- Unlawful use of the Site
- Technical or operational reasons
- Business decisions by RoadBuddy
Upon termination, your right to use the Site ceases immediately.
13. Governing Law and Dispute Resolution
13.1 Governing Law
These Terms and your use of the Site are governed by and construed in accordance with the laws of the United States of America, without regard to its conflict of law principles.
13.2 Jurisdiction and Venue
You and RoadBuddy agree that any legal action or proceeding arising out of or relating to these Terms or the Site must take place exclusively in the courts located in the United States of America, and you hereby irrevocably consent to the jurisdiction of these courts.
13.3 Dispute Resolution
Before pursuing legal action, both parties agree to attempt to resolve disputes through good-faith negotiation. If negotiation fails, either party may pursue legal remedies through the courts as specified above.
14. Changes to Terms
RoadBuddy reserves the right to modify these Terms at any time. We will update the “Last Updated” date at the top of this page when changes are made. Your continued use of the Site following any modifications constitutes your acceptance of the modified Terms.
For significant changes, we may notify users via email or through a prominent notice on the Site.
15. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.
16. Entire Agreement
These Terms, together with our Privacy Policy and Affiliate Disclosure, constitute the entire agreement between you and RoadBuddy regarding your use of the Site and supersede all prior agreements and understandings.
17. Contact Information
If you have questions about these Terms of Use, please contact us:
Email: [email protected]
IMPORTANT: By using RoadBuddy, you acknowledge that you have read and understood these Terms of Use, agree to be bound by them, and assume all risks associated with your use of the Site. If you do not agree with any part of these Terms, you must discontinue use of the Site immediately.