TERMS OF USE
Last Updated: NOVEMBER, 11, 2025
IMPORTANT NOTICE: THIS AGREEMENT CONTAINS (1) AN ARBITRATION AGREEMENT, (2) A JURY TRIAL WAIVER, AND (3) A CLASS ACTION WAIVER. PLEASE REVIEW THE “DISPUTE RESOLUTION” SECTION CAREFULLY.
1. Acceptance of These Terms
1.1 Contract Formation. These Terms of Use (“Terms”) govern your access to and use of websites, mobile sites, mobile applications, pages, widgets, emails, messages, chat tools, and any other online services owned or operated by howmuch Insurance Services LLC and its subsidiaries and affiliates (collectively, “howmuch,” “we,” “us,” or “our”) where these Terms are posted or linked (collectively, the “Sites”), as well as any content, information, tools, and services made available through the Sites (the “Services”).
1.2 Agreement to Terms. By accessing, visiting, or using the Sites or Services in any way, you: (a) acknowledge that you have read and understand these Terms; (b) agree to be bound by these Terms and our Privacy Policy, and any other policies or terms referenced herein; and (c) represent that you are at least 18 years old and are physically located in the United States. If you do not agree, do not access or use the Sites or Services.
1.3 Additional Terms. Certain Services may be subject to additional terms, policies, or guidelines that we present to you (collectively, “Additional Terms”). Additional Terms are incorporated by reference and become part of these Terms. If any Additional Term conflicts with these Terms, the Additional Term will control for that specific Service or feature.
1.4 No Professional Advice. The Sites and Services are for informational and educational purposes only. We do not provide legal, tax, investment, medical, or professional advice, and no fiduciary duties arise from your use of the Services.
2. Who We Are and What We Do (Lead Generation)
2.1 Lead Generation & Education. We provide educational content and comparison tools and operate online marketplaces that help you request information about, and be matched with, independent third-party providers of financial products and services, including insurance (our current focus) and potentially mortgages, personal/auto loans, and other financial services in the future (each a “Provider”).
2.2 Not a Lender, Carrier, or Advisor. We are not a lender, creditor, bank, insurance carrier, producer (unless expressly disclosed for a given state/product), or financial advisor. We do not make credit decisions, underwrite insurance, bind coverage, issue loan commitments, or provide legal, tax, medical, or investment advice. All eligibility, pricing, underwriting, and approval decisions are made solely by Providers.
2.3 Marketplace Limitations. We do not display every Provider or product in the market. Where disclosed, Provider compensation to us may influence how and where offers appear (e.g., ordering or placement). Inclusion or display of a Provider or an offer is not an endorsement.
3. Definitions
3.1 “You” or “your” means the individual using the Sites or Services, and any person on whose behalf that individual uses the Sites or Services.
3.2 “Lead Request” (also “Qualification Form”) means your inquiry, request, or application-like submission seeking to be matched with one or more Providers for the specific product you select or for reasonably related alternative products.
3.3 “Content” means all materials on or available through the Sites or Services, including text, graphics, data, logos, icons, images, videos, audio, software, source code, look-and-feel, and other intellectual property.
4. Changes to the Sites or Terms
4.1 Service Changes. We may update, modify, or discontinue any part of the Sites or Services at any time without notice.
4.2 Terms Changes. We may revise these Terms from time to time in our sole discretion. Changes are effective when posted to the Sites with a “Last Updated” date. Your continued use after changes are posted means you accept the revised Terms. Please review these Terms whenever you use the Sites or Services.
5. Eligibility; US-Only Use
5.1 Age/Location. The Sites and Services are intended only for individuals 18 years or older who are physically located in the United States. We do not target or offer the Services outside the United States.
5.2 Access from Abroad. If you access the Sites from outside the United States, you do so at your own risk and are responsible for compliance with local law. We may geo-block non-US access.
6. Privacy; State-Specific Notices; Data Retention
6.1 Privacy Policy. Our Privacy Policy explains how we collect, use, disclose, and protect information, and includes state-specific notices where applicable.
6.2 Authorization & Retention. By providing information to us, you authorize howmuch to retain, use, and share it as described in our Privacy Policy, including with Providers and third parties as permitted. Federal and state laws may require us and/or Providers to retain certain records for legally mandated periods.
6.3 Regulatory Oversight. As part of licensing and regulatory oversight, we and certain Providers may share information about your Lead Request, outcomes, and communications for compliance, audit, reporting, and recordkeeping.
7. Electronic Communications and E-Sign Consent
7.1 Electronic Delivery. You consent to receive electronic communications from us and Providers, including agreements, notices, disclosures, and updates, via email, SMS/text, in-product messaging, and postings on the Sites.
7.2 E-Sign. You consent to transact with us and Providers electronically (the “E-Sign Consent”). You may withdraw consent by contacting privacy@howmuch.net; however, withdrawal may limit your ability to use some or all Services.
8. Security
8.1 Safeguards; No Guarantee. We implement reasonable safeguards designed to protect information. For more information, see our Information Security Overview. No method of transmission or storage is 100% secure, and we cannot guarantee absolute security. You are responsible for safeguarding your credentials.
9. Ownership; Limited License; Reservation of Rights
9.1 Ownership. The Sites, Services, and Content are owned by howmuch or licensed to us and are protected by U.S. and international IP and unfair competition laws.
9.2 License. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Sites and Services for personal, lawful purposes.
9.3 Prohibited Uses. Except as expressly permitted, you may not copy, reproduce, publicly display, perform, distribute, publish, frame, mirror, scrape, crawl, index, aggregate, translate, modify, create derivative works from, decompile, reverse engineer, or otherwise exploit any part of the Sites, Services, or Content without our prior written consent.
9.4 Robots/Exclusion Protocols. You agree to comply with robots.txt and similar exclusion protocols.
10. Acceptable Use (Code of Conduct)
10.1 You are responsible for your conduct. You agree you will not:
(a) remove or alter any copyright, trademark, or proprietary notice;
(b) reverse engineer, decompile, or disassemble any portion of the Sites or Services;
(c) use the Sites or Services to violate any law, infringe any right, or harm our reputation or business;
(d) interfere with, disrupt, or attempt to bypass security, access controls, or rate limits;
(e) impersonate any person or entity or misrepresent your affiliation;
(f) solicit passwords or personal data from other users;
(g) use any data or Content from the Sites or Services to train, improve, or fine-tune any AI/ML models or systems (including via scraping, dataset creation, or feature extraction) without our express written consent;
(h) engage in spamming, flooding, phishing, spidering, crawling, scraping, indexing, or data extraction without authorization; or
(i) upload malicious code, or use automated means to access the Sites (except publicly available search engine crawlers following our robots.txt).
11. User Content; Feedback; Reviews
11.1 License to Us. If you submit reviews, comments, ratings, messages, or other materials (“User Content”), you grant howmuch a worldwide, non-exclusive, royalty-free, sublicensable and transferable license to use, reproduce, host, store, display, modify, adapt, publish, translate, and distribute such User Content in connection with operating, improving, and promoting the Sites and Services.
11.2 Your Promises. You represent and warrant that you own or control the rights in your User Content, it is accurate, and it does not violate law or the rights of any person or entity. You will not post User Content that is unlawful, misleading, defamatory, harassing, obscene, hateful, discriminatory, or otherwise objectionable.
11.3 Moderation. We may remove or decline to display any User Content at any time in our discretion.
11.4 Feedback. If you provide suggestions, ideas, or feedback, you grant us the right to use them without restriction or compensation.
12. Copyright Complaints (DMCA)
12.1 Notice. If you believe Content infringes your copyright, please send a notice to our DMCA Agent at legal@howmuch.net with:
(a) identification of the copyrighted work;
(b) the URL or location of the material you claim is infringing;
(c) your contact information;
(d) a statement of good-faith belief that the use is not authorized; and
(e) a statement, under penalty of perjury, that the information is accurate and you are the copyright owner or authorized agent.
13. Chatbot / Virtual Assistant
13.1 Scope & Caution. We may offer an automated chatbot or virtual assistant. It may use scripted logic and/or generative AI. You agree to use it only for howmuch customer-service inquiries and not to input sensitive data (e.g., SSN, bank/insurance account numbers, medical details).
13.2 No Reliance. AI systems may produce inaccurate or incomplete output. You must independently evaluate any chatbot output and rely on it at your own risk. We may review transcripts for quality, fraud prevention, security, and product improvement.
14. Third-Party Sites and Services
14.1 Links; No Control. The Sites may link to third-party websites, apps, or services (“Third-Party Sites”). We do not control and are not responsible for Third-Party Sites, their content, or their policies. Your use of Third-Party Sites may be governed by their terms and privacy policies.
15. Widgets and Embeds
15.1 Widget License. We may provide embeddable tools or widgets (“Widgets”). You may display a Widget only on a website or platform you own and control, without modification, and without implying howmuch sponsorship or endorsement. We may revoke permission to use any Widget at any time. Widgets are provided “AS IS” and “AS AVAILABLE.”
16. How Matching Works; Provider Relationships; Compensation
16.1 Lead Requests Are Not Applications for Credit/Insurance. Submitting a Lead Request is not a credit or insurance application and does not guarantee any offer, approval, or rate. Based on information you provide (and, where permitted, information from your credit file or other sources), we may share your information with Providers offering the product(s) you selected or similar/alternative products we reasonably believe may interest you.
16.2 Provider Decisions. Providers set all eligibility, underwriting, pricing, and terms. Any conditional offer may change after Provider review and verification. Final applications may involve a hard credit inquiry by the Provider and may require fees (e.g., appraisal, credit report, title, closing costs) determined solely by the Provider and/or settlement service providers.
16.3 Compensation Disclosure. We may receive a marketing or lead-generation fee when we share your Lead Request with a Provider or when you interact with Provider offers. Where disclosed, compensation may influence presentation (e.g., order). We do not list all Providers or products available in the marketplace.
16.4 No Endorsement. The presence of a Provider or offer does not constitute an endorsement. You should independently evaluate Providers and offers and consult licensed professionals as needed.
16.5 Geography and Licensing. Each Provider is solely responsible for ensuring that it offers products and services only in jurisdictions where it is properly licensed and authorized to operate. howmuch does not guarantee that any Provider or product is available or authorized in your state. Availability of specific products, services, and offers varies by state and is subject to change at any time at the Provider’s discretion.
16.6 Status Updates. Providers may share information with us regarding the disposition of your request (e.g., application opened, declined, approved, funded, or bound) for compliance and internal business purposes.
17. Product-Specific Terms
17.1 Insurance Lead Requests
(a) We are not an insurance carrier and do not bind coverage on the Sites (unless expressly stated for a particular state/product). We connect you to licensed agents, brokers, carriers, or other Providers.
(b) Eligibility, premiums, discounts, coverage terms, availability, and underwriting are determined by Providers. Coverage may not be available in all states.
(c) Medicare Disclosures. If you request Medicare-related options, a duly licensed agent may contact you to confirm eligibility and discuss plan information. We are not affiliated with or endorsed by the U.S. government or the federal Medicare program.
17.2 Mortgage and Other Loan Lead Requests
(a) We do not originate, underwrite, service, or fund loans. Providers determine rates, terms, fees, and eligibility and may require hard credit pulls.
(b) You may be responsible for application-related and third-party costs (e.g., appraisal, title, credit report, settlement services) as determined by the Provider and/or settlement service providers.
(c) Sample or estimated rates displayed on any rate tables are not guaranteed and may be based on limited criteria (e.g., loan amount, term, self-reported credit score).
17.3 Auto Loan Lead Requests
Some auto finance Providers may require hard credit inquiries. If you qualify for a dealership referral, we may share your information with participating dealers or third-party marketing partners to facilitate quotes. Participation is not guaranteed and is subject to change.
17.4 Commercial Financing
Commercial Services, if available, are for business purposes only and not for personal, family, or household use.
18. Your Responsibilities; Accurate Information; Account Security
18.1 Accurate Information. You represent that the information you provide is true, accurate, current, and complete, and you agree to keep it updated.
18.2 Account Security. You are responsible for all activity occurring under your account and for safeguarding your credentials. Do not share your login credentials. Notify us immediately at contact@howmuch.net if you suspect unauthorized access.
18.3 Identity Verification. To comply with applicable laws (including those aimed at preventing money laundering, terrorist financing, and identity theft), we and/or Providers may request information to verify your identity (e.g., name, address, date of birth, Social Security number, and/or information from your credit file).
19. Marketing Communications; TCPA Consent; Opt-Out
19.1 Consent to Contact. By submitting a Lead Request or providing contact information, you consent and agree that howmuch and/or Providers may contact you by phone call, autodialed call, prerecorded or artificial voice call, text/SMS message, email, and/or in-app messages at any telephone number or email address you provide, including numbers listed on a Do-Not-Call registry. Message and data rates may apply. Consent is not a condition of purchase.
19.2 Opt-Out.
Emails: Use the “Unsubscribe” link in our marketing emails or email privacy@howmuch.net with your request.
Texts/SMS: Reply STOP to any text we send.
19.3 Opt-Out (Providers). To stop communications from a Provider, you must contact that Provider directly. If you later submit another Lead Request, you may again receive marketing communications unless and until you opt out.
20. Disclaimers
20.1 THE SITES, SERVICES, AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, AND ERROR-FREE OPERATION.
20.2 WE DO NOT WARRANT OR REPRESENT THAT THE SITES, SERVICES, OR CONTENT WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR-FREE, COMPLETE, RELIABLE, OR FREE OF HARMFUL COMPONENTS; THAT OFFERS WILL MEET YOUR NEEDS; THAT RATES OR TERMS ARE THE BEST AVAILABLE; OR THAT ANY RESULTS OR OUTCOMES WILL OCCUR.
20.3 SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. TO THE EXTENT PROHIBITED BY LAW, SOME DISCLAIMERS MAY NOT APPLY TO YOU.
21. Limitation of Liability
21.1 TO THE MAXIMUM EXTENT PERMITTED BY LAW, howmuch AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AFFILIATES, AND SUBSIDIARIES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR OTHER INTANGIBLE LOSSES), EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
21.2 IN ALL CASES, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SITES, SERVICES, CONTENT, OR THESE TERMS SHALL NOT EXCEED TWO HUNDRED U.S. DOLLARS (US $200).
21.3 SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS OF LIABILITY FOR CERTAIN DAMAGES; WHERE PROHIBITED, THESE LIMITATIONS APPLY ONLY TO THE EXTENT PERMITTED BY LAW.
22. Indemnification
22.1 You agree to defend, indemnify, and hold harmless howmuch and its officers, directors, employees, agents, licensors, affiliates, and subsidiaries from and against all claims, demands, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Sites or Services; (b) your violation of these Terms or any applicable law; (c) your infringement of any third-party right; or (d) any dispute between you and a Provider or other third party. We may assume the exclusive defense of any matter subject to indemnification, and you will cooperate with us.
23. Dispute Resolution (Arbitration; Class Waiver; Jury Waiver)
PLEASE READ CAREFULLY. THIS SECTION AFFECTS YOUR RIGHTS.
23.1 Application; Third-Party Beneficiaries. For purposes of this Section 23, “howmuch” includes our Providers to whom we send your Lead Request; Providers are intended third-party beneficiaries of this Section and may enforce it.
23.2 Informal Resolution First. Before starting arbitration, the party asserting a dispute must send the other party a written notice describing the dispute and requested relief, with sufficient detail to evaluate the claim.
Your notice to us: Legal Department – Dispute Notice, howmuch Insurance Services LLC, 1401 17th Street, Denver, CO 80202 and legal@howmuch.net
Our notice to you: the physical mailing address associated with your account or most recent Lead Request.
The parties will attempt in good faith to resolve the dispute within 60 days after receipt of the notice, including, if requested, a telephonic conference with a live representative.
23.3 Arbitration Agreement. If we cannot resolve the matter informally, any dispute, claim, or controversy arising out of or relating to these Terms, the Sites, the Services, Content, communications (including calls, texts, or emails), or your relationship with us (including questions of arbitrability) shall be resolved by final and binding individual arbitration administered by JAMS under its applicable rules (including the JAMS Streamlined or Comprehensive Rules and, if applicable, the JAMS Mass Arbitration Procedures and Guidelines), as modified by this Section. The Federal Arbitration Act (FAA) governs this arbitration agreement. If JAMS is unavailable or unwilling to administer consistent with this Section, the parties will select another administrator or petition a court to appoint one.
23.4 Small-Claims Option. Either party may bring a qualifying claim in small-claims court in lieu of arbitration, provided it remains on an individual basis.
23.5 Filing; Fees; Award. The initiating party must include a certification that Section 23.2 was completed and attach the prior notice. Fees will be allocated consistent with JAMS rules and applicable law. The arbitrator shall issue a reasoned written award. Judgment may be entered in any court of competent jurisdiction.
23.6 Mass Arbitration. If 25 or more substantially similar arbitration demands are filed with the same or coordinated counsel against howmuch, JAMS’s Mass Arbitration Procedures and batching protocols apply. Batches may include up to 100 demands per merits arbitrator, administered concurrently. Awards have no precedential effect across batches. Statutes of limitations are tolled from submission of a demand that is part of a mass filing until it proceeds or is resolved.
23.7 Class/Representative Action Waiver. YOU AND howmuch AGREE THAT CLAIMS MAY BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A CLASS, COLLECTIVE, COORDINATED, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE ACTION. The arbitrator may award relief only to the extent necessary to resolve an individual’s claim.
23.8 Jury-Trial Waiver. TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND howmuch WAIVE ANY RIGHT TO A JURY TRIAL.
23.9 Severability. If any portion of this Section 23 (other than the class/representative action waiver) is found unenforceable, that portion will be severed and the remainder will remain in force. If the class/representative action waiver is found unenforceable with respect to a claim and all appeals are exhausted, that claim may proceed in court, but individual claims will remain subject to arbitration.
23.10 Opt-Out. You may opt out of this arbitration agreement within 30 days of first acceptance of these Terms by sending an email to privacy@howmuch.net with your name, email address, phone number, and a clear statement that you opt out of arbitration. Opting out does not affect other provisions of these Terms.
24. Trademarks
24.1 Our logo and our other product and service names are our trademarks (the "Marks"). You agree not to display, reproduce or otherwise use in any manner such Marks without our prior written permission.
25. Governing Law; Venue
25.1 Except where federal law (including the FAA) controls, these Terms are governed by the laws of the State of Colorado, without regard to conflict-of-law principles.
25.2 Subject to Section 23, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Denver County, Colorado for any claim that is not required to be arbitrated.
26. Suspension; Termination
26.1 We may suspend or terminate your access to any Site or Service at any time, with or without notice, for any reason or no reason, including if we believe you violated these Terms.
27. International Use
27.1 We do not target or offer the Sites or Services outside the United States. We may geo-block access from non-U.S. locations.
28. Entire Agreement
28.1 These Terms, together with the Privacy Policy, State Privacy Notices, E-Sign Consent, Information Security Overview and any Additional Terms we present, constitute the entire agreement between you and us regarding the Sites and Services and supersede all prior or contemporaneous agreements on the same subject.
29. Severability; Interpretation
29.1 If any provision of these Terms is found unlawful, void, or unenforceable, that provision will be enforced to the maximum extent permitted, and the remaining provisions will remain in full force. Headings are for convenience only.
30. No Waiver
30.1 Our failure to enforce any provision is not a waiver of our rights. Any waiver must be in a writing signed by an authorized representative of howmuch.
APPENDIX A – Product-Specific Disclosures
A.1 Insurance Disclosures
We do not bind coverage and are not responsible for Provider decisions on eligibility, premiums, discounts, coverage forms, or availability.
Coverage may not be available in all states; policy forms and riders vary by carrier.
For Medicare-related inquiries, licensed agents may contact you to confirm eligibility and discuss plan options. We are not affiliated with or endorsed by the U.S. government or Medicare.
A.2 Mortgage and Loan Disclosures (If Enabled)
We are not a lender and do not originate, underwrite, service, or fund loans. Providers decide eligibility, rates, and terms.
Final applications may require hard credit pulls and fees (e.g., appraisal, credit report, title, closing).
Sample rates are illustrative, based on limited assumptions, and subject to change without notice.
A.3 Auto Finance Disclosures (If Enabled)
Auto finance Providers may conduct hard credit pulls.
If you qualify for a dealership referral, we may share your information with participating dealers or partners to facilitate quotes.
A.4 Commercial Financing (If Enabled)
Commercial Services are intended solely for business purposes and not for personal, family, or household use.
APPENDIX B – E-SIGN AND ELECTRONIC COMMUNICATIONS CONSENT (Long-Form)
Scope. You agree to receive all communications from us and Providers electronically, including agreements, disclosures, notices, updates, account statements, and regulatory messages.
Delivery Methods. We and Providers may deliver electronic communications by email, text/SMS, in-product message, or posting to the Sites.
Hardware/Software. You must have a device with internet access, a current browser, and an active email address. You are responsible for printing or saving documents.
Withdrawing Consent. You may withdraw E-Sign Consent by emailing privacy@howmuch.net. Withdrawal may restrict or terminate your access to certain Services.
Updating Contact Info. Keep your email address and phone number current by updating your profile or contacting us.
APPENDIX C – OPT-OUT INSTRUCTIONS
Phone/General: Email privacy@howmuch.net to request removal from howmuch marketing calls or emails.
Email: Click “Unsubscribe” in any marketing email or email privacy@howmuch.net with your request.
Text/SMS: Reply STOP to any text from us.
To opt out from a Provider, contact the Provider directly. Submitting a new Lead Request may restart marketing outreach unless you opt out again.