Rules and guidelines for using our insurance services and website
Welcome to SmartValueSavings ("we," "us," or "our"). These Terms of Use ("Terms") govern your use of our website located at smartvaluesavings.com and our insurance comparison and lead generation services.
By accessing or using our website and services, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.
These Terms of Use constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you") and SmartValueSavings concerning your access to and use of the smartvaluesavings.com website as well as any other media form, media channel, mobile website or mobile application related, linked, or otherwise connected thereto (collectively, the "Service").
You agree that by accessing the Service, you have read, understood, and agreed to be bound by all of these Terms of Use. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS OF USE, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICE AND YOU MUST DISCONTINUE USE IMMEDIATELY.
Permission is granted to temporarily download one copy of the materials on SmartValueSavings' website 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:
This license shall automatically terminate if you violate any of these restrictions and may be terminated by SmartValueSavings at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
The materials on SmartValueSavings' website are provided on an 'as is' basis. SmartValueSavings 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.
Important: Further, SmartValueSavings does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.
In no event shall SmartValueSavings or its suppliers 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 SmartValueSavings' website, even if SmartValueSavings or a SmartValueSavings authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
You may not use our Service:
All email communications (e.g., quote confirmations, marketing updates) require explicit prior consent via double opt-in. You agree to comply with anti-spam laws like CAN-SPAM and GDPR, including clear subject lines, no deceptive content, and honoring unsubscribes within 10 business days.
We do not send unsolicited emails and strictly prohibit the use of purchased, rented, or scraped contact lists. All marketing communications require your separate, explicit consent obtained through an unambiguous opt-in action (such as checking a clearly labeled, non-pre-checked checkbox).
Consent Documentation: We maintain auditable proof of opt-in for each contact in our system, including timestamp, IP address, consent method, and the exact wording shown at the point of consent. This documentation is available for verification at any time and can be provided to you or regulatory authorities upon request.
Unsubscribe Rights: You may unsubscribe from marketing communications at any time by clicking the unsubscribe link in any email, emailing info@smartvaluesavings.com, or calling +1 (661) 460-3931. All unsubscribe requests are processed within 10 business days.
We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time. We shall not be liable to you or to any third-party for any modification, price change, suspension, or discontinuance of the Service.
To access certain features (e.g., saving quotes or tracking applications), you may need to create an account. You agree to provide accurate information, keep your password secure, and notify us of unauthorized use. We reserve the right to suspend or terminate accounts for violations of these Terms.
You may not use our Service:
The Service does not currently offer users the ability to submit or post content. However, if you provide any information or content to us through contact forms, quote requests, or other communications, you grant us the right to use such information in accordance with our Privacy Policy.
SmartValueSavings operates as an insurance lead generation and comparison service. We connect users with licensed insurance providers and agents. We are not an insurance company and do not sell insurance directly.
Transparency in Partner Sharing: When you request insurance quotes through our website, your information will be shared with licensed insurance providers to generate competitive quotes for you. Before submitting any quote request, you will see a clear list of the insurance partners who may receive your information.
Limited Partner Sharing: We limit information sharing to a maximum of 10 insurance providers per quote request. The specific partners you'll see depend on your location, insurance type (auto or home), and the providers servicing your area.
Our Partner Network: Our network includes major, licensed insurance carriers such as State Farm, Allstate, Progressive, GEICO, Nationwide, Liberty Mutual, Farmers, USAA, Travelers, and other highly-rated providers. All partners displayed on the quote form at the time of your submission will be clearly identified before you provide consent.
Your Explicit Consent: By submitting a quote request, you provide explicit consent for us to share your information with the disclosed insurance partners for the purpose of generating insurance quotes. This consent is separate from any marketing consent and is required to provide you with the quote comparison service.
We do not guarantee that you will receive insurance coverage, specific rates, or that any particular insurance company will accept your application. All insurance decisions are made by the respective insurance companies.
You agree to provide accurate and complete information when requesting quotes. Providing false or misleading information may result in inaccurate quotes or denial of coverage.
Any insurance policies you may purchase are between you and the insurance company. We are not responsible for the terms, conditions, coverage, or claims handling of any insurance policy. Data shared with providers occurs only with your explicit consent, per our Privacy Policy, and complies with applicable anti-spam and data protection laws (including CAN-SPAM, GDPR, CCPA, and CASL).
Your privacy is important to us. Please review our Privacy Policy, which also governs your use of the Service, to understand our practices.
We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms, generate high spam complaints, or violate anti-spam laws. Upon termination, your right to use the Service will cease immediately.
Grounds for Immediate Termination include:
These Terms shall be interpreted and governed by the laws of the United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
Your continued use of the Service after any changes constitutes acceptance of the new Terms. We encourage you to review these Terms periodically.
If you have any questions about these Terms of Use, please contact us at:
By using our Service, you acknowledge that you have read and understand these Terms of Use and agree to be bound by them.