Last revised: August 3, 2010
Diverse National Group, LLC
11 Lawrence Pkwy
Lawrence, NY 11559
Toll Free: 1(866)597-8683
2. Privacy and Security
3. How our Service Works
DiverseQuotes is the leading online marketplace connecting consumers with insurance agents to compete for their business across a variety of insurance policy types. DiverseQuotes is not an insurance agency and does not provide quotes directly to consumers. Rather, DiverseQuotes is a free matching service that instantly connects you with our nationwide network of quality insurance agents.
After you submit your quote request via DiverseQuotes.com, DiverseQuotes immediately matches you to local and national agents who can meet your insurance needs. We create this connection by emailing you the list of matching agents and their contact information as well as passing your information to the agents. Your matching agents will use the information you provided in your quote request to provide you with a quote. Sometimes, DiverseQuotes does not have a matching agent based on your location and insurance needs. In this event, your information may be passed to one of our third party agent networks to ensure that you receive as many competitive quotes as possible.
DiverseQuotes does not charge a fee to use our service. DiverseQuotes is paid a fee by the insurance agents who purchase leads through our service.
DiverseQuotes is not an agent of you or the insurance agents; we do not recommend any particular insurance agent or type of insurance. Use your own judgment in choosing an insurance agent and policy. We cannot guarantee that you will receive quotes.
By submitting a quote request, you authorize DiverseQuotes to provide your information to insurance agents, both local and national. You also authorize DiverseQuotes to provide your information to one of our third party agent networks in the event that our primary agent network has few or no agents in your zip code. You authorize these agent networks to share your information with their vendors, suppliers, and insurance carriers in order to generate information for your quotes. By submitting a quote request, you acknowledge that DiverseQuotes’ service requires you to agree that DiverseQuotes will obtain a consumer report or credit score from a consumer reporting agency (also known as a credit bureau) and that DiverseQuotese does not have the right to obtain a consumer report or credit score without your written instruction which you are granting by clicking the submit button. Accordingly, by submitting a quote request you instruct consumer reporting agencies to provide a consumer report or credit score on you to DiverseQuotes within a reasonable time from the time you submit information to DiverseQuotes. DiverseQuotes will obtain this credit information for its sole use and will not share this information with any other party, including insurance carriers, but insurance carriers may elect to obtain credit information on their own in connection with the quoting and underwriting of the requested insurance. Where permitted by law, some insurance companies or their agents may confirm your information, through the use of consumer reports, which may include credit score and driving record.
DiverseQuotes does not intentionally target anyone under the age of 16. Our Sites and services are not directed toward people under the age of 16, nor do we knowingly collect information from individuals under the age of 16. Individuals between the ages of 16 and 18 are granted permission to use our Sites only with the permission of their parent or guardian.
5. Links to Third Party Web sites
DiverseQuotes' Sites may contain links to third party sites. These links are provided for your convenience, however DiverseQuotes' hosting of these links is not an endorsement of any particular company. Be aware that DiverseQuotes is not responsible for the privacy practices of other sites; we encourage you to thoroughly read the privacy policies of third party sites linked from our Sites to ensure that you are comfortable with their practices.
6. Content, Copyright and Trademark
All text, graphics, photographs, trademarks, logos, and computer code contained on the Sites (collectively, "Content"), including but not limited to the design, "look and feel" and arrangement of such Content, is owned, controlled or licensed by DiverseQuotes and/or its suppliers and participating agents. Except as otherwise provided herein, none of the Content may be used, copied, reproduced, distributed, republished, downloaded, modified, displayed, posted or transmitted in any form or by any means, without our express prior written permission. Permission is hereby granted to lawfully access and use the Sites to display, download, archive and print, portions of the Sites on a temporary basis for your individual use. You may not otherwise modify or download any Content on the Site without the prior express written permission of DiverseQuotes.
DiverseQuotes intends that the information contained on our Sites is accurate and reliable; even so, errors can sometimes occur. We reserve the right to make changes and/or additions to our Sites or the information contained on these Sites at any time.
DiverseQuotes is not responsible for errors or delays in matching your quote request with qualified agents if personal information such as email address and phone number are not entered correctly. We are also not responsible for any quotes agents may generate that are the result of incorrectly entered quote request information.
WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THE SITES, THE SERVICES YOU MAY OBTAIN THROUGH THE SITES, OR THE CONTENT, WHICH ARE PROVIDED "AS IS" AND ON AN "AS AVAILABLE" BASIS. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, QUALITY AND FITNESS FOR A PARTICULAR PURPOSE, WITH RESPECT TO THE SITES, ANY WEBSITE WITH WHICH THEY ARE LINKED, ANY SERVICES PROVIDED ON THE SITES, AND THE RESULTS YOU MAY OBTAIN FROM USING THE SITES OR THE SERVICES. WE DO NOT WARRANT THAT THE SITES, THEIR SERVERS OR E-MAIL SENT FROM US OR AGENTS USING OUR SERVICES WILL BE FREE OF ANY HARMFUL COMPONENTS (INCLUDING VIRUSES). WE DO NOT PROVIDE ANY REPRESENTATIONS OR WARRANTIES AGAINST THE POSSIBILITY OF DELETION, MISDELIVERY OR FAILURE TO STORE COMMUNICATIONS, PERSONALIZED SETTINGS, OR OTHER DATA.
8. Exclusion of Liability
9. Your Use of the Sites
You agree to use the Sites in a manner consistent with any and all applicable laws, rules and regulations. You agree not to upload or transmit through the Sites any computer viruses, Trojan horses, worms or anything else designed to interfere with, interrupt or disrupt the normal operating procedures of a computer. Any unauthorized modification, tampering or change of any information, or any interference with the availability of or access to the Sites is strictly prohibited. DiverseQuotes reserves all rights and remedies available to it.
You may not use any "robot", "spider" or other automatic device, program, algorithm or methodology, or any similar or equivalent manual process to access, acquire, copy or monitor any portion of the Sites or any Content, or in any way reproduce or circumvent the navigational structure or presentation of the Sites or any Content, to obtain or attempt to obtain any materials or information through any means not purposefully made available through the Sites. You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Sites or any transaction being conducted on the Sites, or with any other person's use of the Sites.
10. Right to Modify or Discontinue Sites
DiverseQuotes reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Sites (or any part thereof) with or without notice. You agree that DiverseQuotes will not be liable to you or to any third party for any modification, suspension or discontinuance of the Sites.
11. Accounts, Passwords and Security
Certain features or services offered on or through the Sites may require you to create an account (including a user ID and password). You are entirely responsible for maintaining the confidentiality of your account information, including your password, and for any and all activity that occurs under your account. You agree to notify DiverseQuotes immediately of any unauthorized use of your account or password, or any other breach of security.
You may not use anyone else's logon information, password or account at any time without the express permission and consent of the holder of that account information. DiverseQuotes cannot and will not be liable for any loss or damage arising from your failure to comply with these obligations.
12. Other Agreements
13. Miscellaneous This Agreement will be governed and construed in accordance with the laws of the State of New York and the United States without regard to any conflict of laws principles that would require the application of the laws of another jurisdiction. Any dispute arising under or in connection with this Agreement will be heard exclusively in the state and federal courts for the City and County of Albany, New York; you hereby expressly and irrevocably consent and waive any objection to the personal jurisdiction, venue and convenience of such courts. No waiver by DiverseQuotes of any breach of or right under this Agreement will be a waiver of any preceding or succeeding breach or any other right.