<< Back to Home

Terms of Use

PLEASE READ THESE TERMS OF USE CAREFULLY BEFORE USING THIS WEBSITE AS THEY AFFECT YOUR LEGAL RIGHTS AND SET FORTH THE LEGALLY BINDING TERMS FOR YOUR USE OF THE WEBSITE. THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER THAT WAIVE YOUR LEGAL RIGHTS WHICH SHALL BE ENFORCEABLE BY COMPANY AND ITS MARKETING PARTNERS AND LIMIT YOUR RIGHT TO A COURT HEARING OR JURY TRIAL OR TO PARTICIPATE IN A CLASS ACTION. ARBITRATION IS MANDATORY AND THE EXCLUSIVE VENUE FOR ANY AND ALL DISPUTES UNLESS SPECIFIED BELOW OR UNLESS YOU OPT-OUT AS PERMITTED.

Welcome to CompleteCoverageHub's website (the "Website"). CompleteCoverageHub ("Company", "we", "us", or "our") owns and operates the Website. These Terms of Use ("Terms") and any accompanying amendments or supplements to it, together with our Privacy Policy and any additional guidelines, rules, or terms of use or sale that may apply to specific services or products ("Additional Terms"), establish a legally binding agreement between you ("you", "your", or "user") and the Company, including its officers, directors, parent organizations, subsidiaries, and representatives. These Terms govern your access to, use, or attempted use of our Website and the services, including without limitation, any mobile or online versions thereof, we provide (collectively, "Services"). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to the Terms, in whole or in part, please do not use the Website.

You agree to receive texts/calls from or on behalf of Company and the company's marketing partners (collectively, the "Marketing Partners") at the phone number you provide to us. These texts/calls will include operational calls or messages about your use of the services, as well as marketing calls or messages. You understand and agree that these texts/calls may be considered telemarketing under applicable law, they may be sent using an automatic telephone dialing system or other automated technology, and your consent is not a condition of any purchase.

You acknowledge that Company's Marketing Partners and their affiliates shall be considered third-party beneficiaries to all rights and benefits outlined within these Terms as well as the Privacy Policy and any claim or defense available to Company shall similarly be available to Company's Marketing Partners and their affiliates, including but not limited to the enforcement of the waiver of class action lawsuits and binding arbitration provisions. For avoidance of doubt, you acknowledge that Company's Marketing Partners and affiliates may enforce any provision within these Terms or the Privacy Policy wherein websites (including any reference to "Company", "parties", "we", "our", or "us") is referenced.

Our Service

Our Website is a lead generation service. We do not provide or sell auto insurance. By calling the number on our Website, you are consenting to have your information shared with third-party insurance agents and companies (our "Partners") who can provide you with an insurance quote. Any quotes, policies, or agreements you enter into are with these third parties, not with us.

Your Responsibility

By using our Website, you represent and warrant that (i) You are at least eighteen (18) years of age; (ii) All information provided to our Partners is true, accurate, and complete; (iii) You will not use the Website for any unlawful or prohibited purpose; (iv) you are legally permitted to enter into a binding contract with us and are not prohibited from doing so under any applicable laws. By accessing or using the Website and/or Services, your access to or use of the Services must not have been previously suspended or removed.

Disclaimer of Warranties

The Website and any content or services provided on or in connection with the Services are provided "as is", "as available", and "with all faults" basis. Your access to and use of the website is at your sole risk. Unless explicitly stated herein, Company and its Marketing Partners, subsidiaries, affiliates, parents, and each of their respective officers, directors, past, present or future employees, agents, managers, shareholders, vendors, licensors, licensees, service providers, contractors, customers, successors, and assigns (collectively, the "Company Parties") hereby disclaim and make no representations, endorsements, promises, or warranties of any kind, either express or implied. We disclaim, to the fullest extent permitted by law, any and all representations, warranties, conditions and duties, statutory, express or implied, including but not limited to, any warranties: (i) of merchantability, fitness for a particular purpose or use, results, title, privacy, security, accuracy, and non-infringement; (ii) created by trade usage, course of dealing, conduct, or performance; and (iii) any other warranty arising under the Uniform Commercial Code, or otherwise. We do not guarantee that you will receive a quote from our Partners or that any quotes received will be the lowest available.

Without limiting the foregoing, the Company Parties do not warrant or make any representations that: (i) access to the Website or Services and any content or services provided on or in connection with the Services will always be correct, accurate, available, reliable, secure, current, uninterrupted, or error-free; (ii) the Website will meet any specific requirements or expectations; (iii) any technical errors, defects, or issues, if any will be resolved or corrected; (iv) the Website will be free of any malicious software, viruses, trojans, worms, logic bombs, or harmful components, or that the servers making the Website available are free from such components; or (v) any information obtained through the Website will be accurate, complete, current, adequate, useful, timely, dependable, and/or reliable. Further, please note that no advice or information obtained by you from our personnel or through the Services shall create any warranty not expressly provided for in these Terms.

Unless expressly stated herein, any advice or information, whether oral or written, that you obtain from the Company Parties directly, or through this website, shall not guarantee or create any warranty. To the fullest extent permitted by law, you agree to release and hold harmless the Company Parties from any and all claims, liabilities, losses, damages, injuries, costs, or expenses (including property damage, personal injury, or death) arising out of or relating to your access to or use of the website, any offers or services referenced therein, or any alleged violation of law or infringement of the rights of any third party, including rights of publicity, privacy, or defamation.

Limitation of Liability

To the fullest extent permitted by applicable law, Company Parties shall not, in any event, be liable to you or any third party for any direct, indirect, incidental, special, consequential, exemplary, economic, enhanced, or punitive damages, or any other damages whatsoever, including but not limited to, damages for loss of profits, goodwill, use, data, cost of procurement of substitute services, or any other intangible losses (even if we have been advised of the possibility of such damages), regardless of whether you bring an action based in contract, negligence, strict liability, or tort (including whether caused, in whole or in part, by negligence, acts of god, telecommunications failure, or destruction of the Website) arising out of or in connection with: (i) these Terms; or (ii) your use or attempted use of the Website or Services, including any offers or agreements you enter into with our Partners.

Causes of action in connection with your access to and use of the website and your rights under these terms, exceed an amount equal to the amount you have paid Company in connection with the transaction(s) that underlie the claim(s); provided, however, this provision will not apply if a tribunal with applicable jurisdiction finds such to be unconscionable.

Third-Party Websites

Our Website contains links and connects to third-party services. We do not verify the identity and/or ascertain the credibility of third-party products or services, nor do we have control over, endorse, sponsor, approve, and assume no responsibility for, the content, operations, privacy policies, terms, credibility, or practices of any third-party websites or services, nor do we verify, authenticate, or monitor the accuracy and exhaustiveness of the information or materials made accessible on such third-party websites.

You acknowledge and agree that we are not to be held responsible or liable for any damages, issues, or losses that arise out of your use of a third-party website(s), any information contained or provided by, or any offer(s) made by such website(s), including without limitation any transactions, communications, or interactions you have with such affiliates, the quality, delivery, availability, or suitability of any products or services offered or advertised, or any contract or agreements between you and a third-party.

We are not accountable for the enforcement of any obligations resulting from a contract between you and any third-party and shall not be obligated to intervene between the parties to any such contract. Any activities you engage in connection with third-party or linked websites are governed solely by the applicable terms, conditions, privacy policies, and rules of those websites, and you are solely responsible for reviewing and understanding them.

To the fullest extent permitted by law, you hereby release and hold harmless the Company, its officers, directors, employees, and agents from any and all claims, demands, losses (direct, indirect, incidental, consequential, or special) or damages arising out of or in any way connected with such third-party websites, including claims arising from negligence, breach of contract, defamation, or infringement of intellectual property or other rights.

Indemnification

By using this Website and/or Services, you agree to defend, indemnify and hold harmless Company Parties, from and against any and all loss, liability, claim, demand, damages, expenses, complaint, lawsuit, action, proceeding, investigation, judgement, fine, penalty, settlement, interest, dispute, or costs of any kind including but not limited to reasonable attorney's fees and litigation costs ("Claims and Losses"), made by any party or governmental or quasi-governmental authority, due to, arising out of, or in any way connected with: (i) your use of the Services or your activities in connection with the Website or Services; (ii) your User Content; (iii) your violation or alleged violation of these Terms; (iv) your violation, misappropriation or infringement of any rights of another (including intellectual property rights or privacy rights), or any applicable law, rule, regulation, code, statute, ordinance, or governmental order; (v) privacy, tort or other claims (e.g., claims under the Telephone Consumer Protection Act or its state law equivalent) relating to the provision of personal information (e.g., telephone number) that is not owned by you, in contravention of these Terms; or (vi) your conduct in connection with the Services.

All of the foregoing is collectively referred to as "Claims and Losses". You agree to cooperate as fully required by Company Parties in the defense of any Claims and Losses. Notwithstanding the foregoing, Company Parties reserve the exclusive right, at our own expense, to settle, compromise, and pay any and all Claims and Losses, and to assume the exclusive defense and control of any Claims and Losses otherwise subject to indemnification by you (without limiting your indemnification obligations with respect to that matter), and in that case, you agree to cooperate with our defense of those Claims and Losses.

Governing Law

These Terms and your access to and use of the Services shall be governed by the laws of the State of Florida, without regard to its conflict of law provisions. To the fullest extent permitted by applicable law, you and we expressly consent and submit to the exclusive personal jurisdiction and venue of such courts and waive any objection based on improper venue, lack of personal jurisdiction, or forum non conveniens. Notwithstanding the foregoing, Company reserves the right to seek injunctive relief, equitable relief, or any other appropriate legal remedies in any jurisdiction or court of competent jurisdiction to protect its intellectual property rights, confidential information, systems, operations, or other proprietary interests.

Binding Arbitration

This Agreement to Arbitrate applies to you, the Company, and the Company's Marketing Partners and affiliates, all of whom are intended third-party beneficiaries of this Agreement to Arbitrate and may enforce it. This includes disputes involving the Website, content, user content, your consent, communications, alleged violations of the Telephone Consumer Protection Act (TCPA) or Do-Not-Call (DNC) laws, these Terms, any Additional Terms, and any actual or alleged intellectual property rights.

BY ACCESSING THE WEBSITE, YOU ARE AGREEING TO WAIVE YOUR RIGHT TO APPRAISE YOURSELF OF JUDICIAL PROCESS FOR ANY AND ALL DISPUTES, CLAIMS OR CONTROVERSIES YOU MAY HAVE TO THE GREATEST EXTENT ALLOWED BY APPLICABLE LAW. FOR AVOIDANCE OF DOUBT, THIS INCLUDES AGREEING TO RESOLVE ANY TELEPHONE CONSUMER PROTECTION ACT (TCPA) AND/OR DO-NOT-CALL (DNC) CLAIMS BY ARBITRATION. INSTITUTION OF A JUDICIAL PROCEEDING DOES NOT WAIVE THE RIGHT OF THAT PARTY TO DEMAND ARBITRATION HEREUNDER. BY AGREEING TO ARBITRATION, EACH PARTY IS EXPRESSLY WAIVING ANY RIGHT TO A JUDGE AND TRIAL BY JURY IN ANY ACTION OR PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS. ARBITRATION MUST BE ON AN INDIVIDUAL BASIS. EACH PARTY WAIVES JOINING OR CONSOLIDATING CLAIMS IN ARBITRATION OR AGAINST THE OTHER PARTY OR LITIGATE IN COURT OR ARBITRATE CLAIMS AS A REPRESENTATIVE MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY.

Disputes subject to arbitration may include, but are not limited to: (i) tort claims; (ii) counterclaims; (iii) claims brought as class actions; (iv) claims arising from documents, SMS text messages, or emails executed or sent in the past or future; (v) disputes as to whether a matter is subject to arbitration; (vi) or claims concerning any aspect of the past, present or future relationships arising out of or connected with your interactions with the Website and/or Services. Questions regarding the existence, scope, or enforceability of this Agreement to Arbitrate shall also be decided by the arbitrator.

Arbitration shall be conducted under and governed by the American Arbitration Association (AAA) Consumer Arbitration Rules (the "Arbitration Rules") of the American Arbitration Association (the "AAA") and the Federal Arbitration Act. The arbitration shall be administered by the AAA by a single, neutral arbitrator. All arbitration hearings shall be conducted in Palm Beach County, Florida, unless the parties mutually agree to another location or to conduct the arbitration telephonically or based solely on written submissions where permitted by applicable law. Expedited procedures of the Arbitration Rules shall be applicable to claims of less than $100,000. A judgment upon the award may be entered in any court having jurisdiction. The arbitration shall be conducted in a manner designed to ensure a fair and impartial hearing.

Waiver of Class Action Lawsuits

Any Dispute arising out of or related to your use of or access to the Website, or any products or services sold, offered, or purchased through the Website, these Terms or the Services including but not limited to actions under the Telephone Consumer Protection Act, 47 U.S.C. § 227 et seq., California Invasion of Privacy Act, Cal. Penal Code § 632 et seq., Florida Telephone Solicitation Act, Fla. Stat. Ann. § 501.059, and the Oklahoma Telephone Solicitation Act, Okla. Stat. tit. 15, § 775C.3 is personal to you and Company and that such Dispute will be resolved solely through individual arbitration and will not be brought as a plaintiff or member in any class arbitration, class action or any other type of representative proceeding.

Any action you bring must be brought solely on your own behalf against the Company, and the Company's Marketing Partners and their affiliates. You, on the one hand, and Company, on the other hand, agree to resolve, by binding individual arbitration, all Disputes (including any related disputes involving the Company or its affiliates) except for: (i) any claim within the jurisdiction of a small claims court consistent with the jurisdictional and dollar limits that may apply, as long as it is an individual dispute and not a class action; and (ii) any dispute relating to the ownership or enforcement of intellectual property rights.

The parties hereby agree to arbitrate all disputes, on an individual basis, that may arise between you and Company, including any related disputes involving our Marketing Partners as well as their subsidiaries. "Dispute[s]" include, but are not limited to, any claim, dispute, action, or other controversy, whether based on past, present, or future events, whether based in contract, tort, statute (including the TCPA), or common law, between you and us or any of our Marketing Partners as well as their subsidiaries or affiliates, concerning the Services, the receipt of calls or text messages at any point in time, or this exclusive authority to resolve any dispute relating to the interpretation, applicability or enforceability of these terms or the formation of this contract, including without limitation, the arbitrability of any dispute, and any claim that all or any part of these Terms are void or voidable. For avoidance of doubt, you are agreeing, to the greatest extent allowed by applicable law, to waive any right to trial or class/collective action against us or our Marketing Partners as well as their subsidiaries or affiliates for ANY and ALL past, present, or future events, regardless of whether said dispute arose from use of this particular Website.

To the fullest extent allowed by applicable law, the parties expressly agree to waive any applicable statute of limitations, including the four-year federal catch-all limitation (28 U.S.C. § 1658), and agree that any claim or cause of action, including any alleged TCPA violations, must be brought within one (1) year from the date the alleged violation occurred. Any claim not initiated in arbitration within one (1) year of the violation shall be deemed permanently waived and time-barred.

EXCEPT AS OTHERWISE PROVIDED HEREIN, THE PARTIES HEREBY AGREE TO WAIVE THEIR RIGHT TO HAVE ANY DISPUTE BETWEEN THEM RESOLVED IN A COURT OF LAW OR BY A JUDGE OR JURY, AND THAT THE INFORMATION THAT CAN BE OBTAINED IN DISCOVERY FROM EACH OTHER OR FROM THIRD PERSONS IN ARBITRATION IS GENERALLY MORE LIMITED THAN IN A LAWSUIT. IN ADDITION, OTHER RIGHTS THAT THE PARTIES WOULD HAVE IN COURT MAY NOT BE AVAILABLE IN ARBITRATION. THE PARTIES ALSO HEREBY AGREE TO WAIVE THE RIGHT TO BRING OR PARTICIPATE IN ANY CONSOLIDATED OR CLASS ACTION AND AGREE THAT ALL FORMS OF CLASS ACTION OR CLASS ARBITRATION ARE EXPRESSLY PROHIBITED.

THE PARTIES WAIVE ANY RIGHT TO ASSERT ANY CLAIMS AGAINST THE OTHER PARTY AS A REPRESENTATIVE OR MEMBER IN ANY CLASS ACTION, COLLECTIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION, EXCEPT WHERE SUCH CLASS WAIVER IS PROHIBITED BY LAW OR DEEMED BY A COURT TO BE AGAINST PUBLIC POLICY.

No relief awarded in any arbitration or proceeding shall affect our other users of the Website.

Costs of Arbitration

Unless otherwise stated in this Agreement to Arbitrate, all payments related to filing, administration and arbitrator fees (Arbitration Costs) will be governed by the AAA's rules. Where the value of the relief sought is less than or equal to ten thousand ($10,000) dollars, the Company may, at your request, pay all filing, administration, and arbitrator fees related to the arbitration.

We will make arrangements to pay the Arbitration Costs to AAA only for those requests that are submitted, along with demand for arbitration, by mail to the AAA. Where the value of the relief sought is over $10,000 and you are successful in demonstrating that the costs of arbitration will be prohibitive as compared to the costs of litigation, we will pay as much of Arbitration Costs as may be deemed necessary by the arbitrator to prevent the arbitration from being cost-prohibitive.

If there is an arbitration wherein the claim is for less than $10,000.00, Company will pay for the arbitrator and the forum. Regardless of whether you or Company initiate the arbitration, Company will pay all costs associated with the arbitration, including the fees for the arbitrator's services. However, Company will not pay and you will be responsible for your attorneys' fees if you choose to be represented by an attorney.

If the arbitrator determines your claim(s) in the arbitration to be frivolous, you agree that you will be liable to reimburse us for all the Arbitration Costs paid by us on your behalf, which you otherwise would be required to pay under the AAA's rules.

Changes to These Terms

We reserve the right, in our sole discretion, to modify these Terms, or any applicable Additional Terms, from time to time and at any time. We will post any changes on this page. Your continued use of or access to the Website and/or Services after any changes constitutes your acceptance of the new Terms, and the updated Terms apply to new use and transactions. We encourage you to review the Terms whenever you visit the Website to see if a new version has been posted.

Termination

We may discontinue the Website, in whole or in part, or, except as may be expressly set forth in any Additional Terms, suspend or terminate your ability to access and use all or part of the Services, including your accounts or registrations, at any time and for any reason or no reason without notifying you first. Any suspension or termination will not affect your obligations to Company under these Terms or any Additional Terms. Upon suspension or termination of your access to the Website, or upon notice from Company, all rights granted to you under these Terms or any Additional Terms will cease immediately, and you agree that you will immediately discontinue use of the Website. The provisions of these Terms and any Additional Terms, which by their nature should survive your suspension or termination will survive, including the rights and licenses you grant to Company in these Terms, as well as the indemnities, releases, disclaimers, and limitations on liability and the provisions regarding jurisdiction, choice of law, no class action, and mandatory arbitration.

General Terms

Severability. To the extent permitted by applicable law, you agree to waive, and you hereby waive, any applicable statutory and common law that may permit a contract to be construed against its drafter. Wherever the word "including" is used in these Terms or any Additional Terms, the word will be deemed to mean "including, without limitation".

Entire Agreement. These Terms, the Privacy Policy, and any applicable Additional Terms constitute the entire agreement between us and you and supersede any and all prior and contemporaneous written or oral agreements, communications, or representations of the parties relating to your access to and use of the Services.

Headings. The headings used in these Terms are intended for convenience only and shall not affect the construction and interpretation hereof or thereof.

Weegoo Holding LLC D.B.A. Digital Hub