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Terms and Conditions of Use

Effective Date: August 24, 2026 · Last Updated: August 24, 2026

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS SITE.

THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT AND A CLASS ACTION WAIVER IN SECTION 14. THESE PROVISIONS AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO GO TO COURT AND YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION. THESE TERMS ALSO LIMIT OUR LIABILITY TO YOU.

By accessing TrueQuote.org or any other website where these Terms and Conditions of Use appear or are referenced (collectively, the "Site"), using any of our services, or accessing any Site content, you agree to and are bound by these Terms and Conditions of Use (the "Terms"), including the dispute resolution and arbitration provisions in Section 14, our Privacy Policy, and any additional policies posted on the Site.

If you do not agree to these Terms, you may not access or use the Site.

1. Who We Are

These Terms constitute a legally binding agreement between you and Data Bridge Studio LLC, a Delaware limited liability company ("Data Bridge Studio," "we," "us," or "our"). TrueQuote.org is a brand and website operated by Data Bridge Studio LLC.

2. Our Services

The Site provides lead generation and consumer matching services that connect consumers seeking auto insurance information or quotes ("Users," "you," or "your") with third-party insurance providers — including insurance carriers, agencies, agents, brokers, lead aggregators, and similar parties (each, a "Provider").

When you submit information through the Site, you authorize us to collect that information as a lead (a "Lead") and to disclose the Lead to one or more Providers so they may contact you with offers, quotes, or related information. We may receive compensation in connection with the disclosure of Leads.

We may also use the information you submit, and disclose it to third parties, to market other categories of products and services to you — including home services, home improvement, home warranty, home maintenance, contracting, real estate, and other related consumer products and services — as described in our Privacy Policy and consistent with the consent you provide at the time of submission.

We are not an insurance company, agent, or broker. We do not issue insurance policies, bind coverage, or provide insurance, financial, tax, or legal advice. Providers are solely responsible for their own products, services, communications, pricing, licensing, and compliance obligations. We do not endorse, guarantee, or assume responsibility for any Provider.

We do not guarantee that any Provider will contact you, that you will receive a quote, that any quote will be accurate or available, or that any coverage or service will be offered to you.

3. Eligibility

The Site is intended for use only by residents of the United States who are 18 years of age or older and who can form legally binding contracts under applicable law.

By using the Site or submitting any form, you represent and warrant that you are at least 18 years of age. If you are under 18, you may not use the Site or submit any information through it.

4. Your Submissions and Your Representations

By submitting information through the Site, you represent and warrant that:

(a) The information is accurate. All information you provide is true, accurate, current, and complete to the best of your knowledge.

(b) You are the subscriber or customary user of the telephone number you provide. You represent that you are the current subscriber to, or the regular and customary user of, each telephone number you submit, and that you have the authority to provide consent to be contacted at that number. You agree to notify us promptly if you cease to be the subscriber or customary user of any number you have provided.

(c) You have authority to provide information about others. If you provide information about any other person — including household members, other drivers, spouses, or co-owners — you represent that you are that person's parent or legal guardian, or that you otherwise have that person's authorization to provide their information for the purposes described in our Privacy Policy.

(d) You are not misrepresenting your identity. You are not submitting information on behalf of another person without authorization, and you are not using a false identity.

You understand that Providers and other third parties may contact you using the information you submit.

5. Consent to Be Contacted

If you elect to provide it, the express written consent you give at the time of submission — as displayed on the form — governs who may contact you, by what means, and about what subject matter. That consent language is incorporated into these Terms by reference.

Consent is not a condition of purchasing any goods or services.

You may revoke consent at any time by any reasonable means, as described in Section X of our Privacy Policy. Revocation as to Data Bridge Studio LLC does not revoke consent you have given to any Provider or other third party; you must contact those parties directly.

Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages; reply HELP for help.

6. Privacy

Our collection, use, and disclosure of personal information is described in our Privacy Policy, which is incorporated by reference into these Terms. Please review it carefully before using the Site.

7. Limited License; Permitted Use

We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Site and its content solely for your personal, non-commercial use and only as permitted by these Terms. All rights not expressly granted are reserved.

8. Prohibited Uses

You agree not to:

  • Copy, scrape, harvest, index, or extract data from the Site by automated means (bots, spiders, crawlers, scripts) without our prior written consent
  • Use the Site for any fraudulent, unlawful, deceptive, or misleading purpose
  • Submit false, fabricated, or automated form submissions
  • Interfere with or disrupt the Site, its servers, or connected networks
  • Attempt to gain unauthorized access to any portion of the Site or related systems
  • Upload malware or probe, scan, or test the vulnerability of the Site or its security
  • Misrepresent your identity or submit information you are not authorized to provide
  • Use the Site to compile a database or directory, or for competitive intelligence
  • Remove, obscure, or alter any proprietary notices

We may suspend, block, or terminate access to the Site for any suspected violation of these Terms, with or without notice.

9. Intellectual Property

The Site and its content — including text, graphics, logos, designs, software, data compilations, and the selection and arrangement of content — are owned by or licensed to Data Bridge Studio LLC and are protected by United States and international intellectual property laws. You may not copy, reproduce, distribute, publicly display, or create derivative works except as expressly permitted by these Terms.

10. Links to Third Parties

The Site may contain links to third-party websites or services. We do not control and are not responsible for third-party content, products, services, or privacy practices. Links do not constitute endorsement.

11. Disclaimer of Warranties

THE SITE AND ALL CONTENT AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, timely, error-free, secure, or free from harmful components, or that any information obtained through the Site will be accurate or reliable.

Some jurisdictions do not allow the exclusion of certain warranties; in those jurisdictions, some of the above exclusions may not apply to you.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL DATA BRIDGE STUDIO LLC, ITS MEMBERS, MANAGERS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE SITE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SITE OR THESE TERMS WILL NOT EXCEED TWO HUNDRED DOLLARS ($200).

These limitations apply regardless of the legal theory asserted and regardless of whether any limited remedy fails of its essential purpose.

Some jurisdictions do not allow certain limitations; in those jurisdictions, our liability will be limited to the maximum extent permitted by law.

13. Indemnification

You agree to indemnify, defend, and hold harmless Data Bridge Studio LLC and its members, managers, officers, employees, and agents from and against any claims, damages, liabilities, losses, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your misuse of the Site; (b) your violation of these Terms; (c) your violation of any law or the rights of any third party; (d) your submission of information you were not authorized to provide, including information about another person; or (e) your submission of a telephone number for which you are not the subscriber or customary user.

14. Dispute Resolution; Binding Arbitration; Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES MOST DISPUTES TO BE RESOLVED BY INDIVIDUAL BINDING ARBITRATION RATHER THAN IN COURT, AND WAIVES YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION.

14.1 Scope

For purposes of this Section 14, a "Claim" means any dispute, claim, or controversy of any kind arising out of or relating to these Terms, the Site, our services, any Lead, any communication you receive, your personal information, or the relationship between you and us — whether based in contract, tort, statute (including the Telephone Consumer Protection Act and any state telemarketing or privacy statute), fraud, misrepresentation, or any other legal theory, and whether arising before, during, or after the termination of these Terms.

14.2 Informal Resolution Is Required First

Before initiating arbitration or any court action, you must first attempt in good faith to resolve the Claim informally.

You must send a written Notice of Dispute to info@databridgestudio.com or to Data Bridge Studio LLC, 8 The Green, Ste A, Dover, DE 19901. The Notice must be individually signed by you (an electronic signature is acceptable) and must include:

  • Your full name, mailing address, email address, and the telephone number at issue
  • A description of the specific facts giving rise to your Claim, including relevant dates
  • The specific relief you are seeking, and the basis for calculating it

A Notice submitted on behalf of multiple consumers, or a Notice that does not contain the individualized information above, does not satisfy this requirement. Mass or form Notices lacking individualized detail are not valid.

We will send you a Notice of Dispute at your email or mailing address if we have a Claim against you.

The parties will attempt in good faith to resolve the Claim, including by telephonic or video conference if either party requests one. If the Claim is not resolved within 60 days after the Notice is received, either party may initiate arbitration. Compliance with this Section 14.2 is a condition precedent to initiating arbitration, and either party may seek to enjoin an arbitration filed without it. The applicable statute of limitations is tolled during the informal resolution period.

14.3 Agreement to Arbitrate

Except as set out in Section 14.4, you and Data Bridge Studio LLC agree to resolve all Claims through binding arbitration on an individual basis. This agreement to arbitrate is intended to be broadly interpreted. The Federal Arbitration Act governs its interpretation and enforcement.

14.4 Exceptions

This arbitration agreement does not prevent:

  • Either party from bringing an individual claim in small claims court, if the claim qualifies and is maintained on an individual basis
  • Either party from seeking injunctive or equitable relief in court for infringement or misuse of intellectual property rights
  • You from bringing issues to the attention of federal, state, or local agencies, which may seek relief on your behalf

14.5 Delegation

The arbitrator, and not any federal, state, or local court, has exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, scope, or formation of this arbitration agreement — including any claim that all or any part of it is void or voidable, and any dispute about whether a Claim is subject to arbitration.

Exception: Only a court, and not an arbitrator, may decide disputes about the enforceability, validity, or scope of the Class Action Waiver in Section 14.7.

14.6 Arbitration Rules and Administrator

Arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules and, where applicable, its Mass Arbitration Supplementary Rules (together, the "AAA Rules"), as modified by these Terms. The AAA Rules are available at adr.org.

If the AAA is unavailable or unwilling to administer the arbitration consistent with these Terms, the parties will select an alternative administrator by agreement; if they cannot agree, either party may petition a court of competent jurisdiction to appoint one.

14.7 Class Action Waiver

YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE PROCEEDING.

The arbitrator may not consolidate more than one person's Claims, may not preside over any form of class or representative proceeding, and may award relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual Claim.

14.8 Coordinated and Mass Filings

If 25 or more similar Claims are asserted against us by the same or coordinated counsel, or in a coordinated manner, the following procedures apply, notwithstanding any contrary AAA Rule:

(a) Staged batching. The Claims will be filed and resolved in sequential batches of no more than 50 Claims at a time. Counsel will select 25 and we will select 25 for each batch. Only the Claims in the current batch may be filed with, or assigned filing or administrative fees by, the arbitration provider. No fees are owed on Claims not yet in an active batch.

(b) Bellwether process. For the first batch, the parties will each select 5 Claims to proceed as bellwethers. Following resolution of the bellwethers, the parties will engage in a good-faith global mediation of all remaining Claims, with a mediator jointly selected. The statute of limitations is tolled for all Claims not in an active batch from the date the Notice of Dispute was received.

(c) Effect. These procedures are intended to increase efficiency and reduce cost for both parties. If a court or the arbitration provider determines these procedures are unenforceable as to any set of Claims, either party may elect to litigate those Claims in court, and the tolling in subsection (b) continues to apply.

14.9 Location and Format

Unless the parties agree otherwise, any arbitration hearing will take place in the county where you reside, or may be conducted by telephone, video, or on the basis of documents alone as permitted by the AAA Rules.

14.10 Fees

Allocation of arbitration fees is governed by the AAA Rules and applicable law. Where the AAA Rules or applicable law require us to pay filing, administrative, or arbitrator fees for consumer claims, we will pay them. We will not seek to recover our attorneys' fees from you unless the arbitrator determines your Claim was frivolous or brought for an improper purpose.

14.11 Right to Opt Out of Arbitration

You may opt out of this Section 14 by sending written notice within 30 days after you first accept these Terms. Send notice to info@databridgestudio.com or to Data Bridge Studio LLC, 8 The Green, Ste A, Dover, DE 19901. The notice must include your name, mailing address, the telephone number and email address you submitted, and a clear statement that you do not wish to arbitrate disputes with Data Bridge Studio LLC.

Opting out of Section 14 does not affect any other provision of these Terms. If you opt out, we are not bound by this Section 14 as to you either.

14.12 Severability of This Section — Blow-Up Provision

If the Class Action Waiver in Section 14.7 is found to be unenforceable or invalid as to any Claim or any portion of a Claim, then this entire Section 14 (the agreement to arbitrate) is null and void as to that Claim or portion, and that Claim or portion must be brought in a court of competent jurisdiction. The remainder of this Section 14 continues to apply to all other Claims.

This subsection controls over Section 17 (Severability) and over any contrary provision of the AAA Rules. Under no circumstances do the parties agree to class, collective, consolidated, or representative arbitration.

If any provision of this Section 14 other than Section 14.7 is found unenforceable, that provision will be severed and the remainder of Section 14 will remain in effect.

14.13 Providers as Intended Beneficiaries

To the extent a Claim involves a Provider and arises out of your use of the Site or interactions enabled through the Site, Providers may be third-party beneficiaries of this Section 14 and may seek to enforce it where permitted by law.

14.14 Survival

This Section 14 survives termination of these Terms and your use of the Site.

15. Changes to the Site or These Terms

We may modify the Site or these Terms at any time.

Non-material changes are effective when posted, and we will update the "Last Updated" date.

Material changes — including any change to Section 14 — take effect only after we provide reasonable notice (by posting a conspicuous notice on the Site, by email where we have your address, or both) and only on a prospective basis. Material changes do not apply to any Claim of which we had notice before the change was posted, and do not apply retroactively to any dispute that had already arisen.

Your continued use of the Site after a change takes effect constitutes acceptance of the updated Terms. If you do not agree to a change, your remedy is to stop using the Site.

16. Governing Law

These Terms are governed by the laws of the State of Delaware, without regard to conflict of laws principles, except that the Federal Arbitration Act governs Section 14. Nothing in this Section deprives you of the protection of any mandatory consumer protection law of the state in which you reside.

17. Severability

If any provision of these Terms is found unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, or severed if modification is not possible, and the remaining provisions will remain in full force and effect. Section 14.12 controls over this Section with respect to Section 14.

18. Entire Agreement; Assignment; No Waiver

These Terms, together with the Privacy Policy and the consent language displayed on any form you submit, constitute the entire agreement between you and us regarding the Site.

We may assign these Terms in connection with a merger, acquisition, financing, or sale of assets. You may not assign these Terms without our written consent.

Our failure to enforce any provision is not a waiver of that provision.

20. Contact Us

Data Bridge Studio LLC 8 The Green, Ste A Dover, DE 19901

Email: info@databridgestudio.com

For a Notice of Dispute under Section 14.2 or an arbitration opt-out under Section 14.11, please use the subject line "Legal Notice" so your notice is routed promptly.

TrueQuote.org is a brand of Data Bridge Studio LLC.