Terms & Conditions

1. Agreement to these Terms

By using our website or forms, or by buying services or leads from us, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use our services. Businesses that work with us may also sign a separate written agreement; if that agreement conflicts with these Terms, the written agreement controls.

2. What we are, and what we are not

emberlanesolutions is a marketing and lead generation company. We are not an insurance company, agency, or producer. We do not sell insurance, provide insurance quotes, or offer insurance advice, and we do not recommend or endorse any particular insurer, agent, or policy.

When you submit a request, a licensed insurance professional may contact you. Any quote, application, policy, or advice comes from that professional, who is solely responsible for it. Coverage availability, pricing, and eligibility vary by state and by carrier, and your actual rates and savings will depend on factors such as your location, coverage limits, deductibles, driving record, and vehicle.

Our pages may contain affiliate links and phone numbers, which means we may be paid when you are connected with, or buy from, a Partner we advertise.

3. Eligibility

You must be at least 18 years old and able to form a binding contract to use our services. If you use our services on behalf of a business, you confirm that you are authorized to bind that business to these Terms.

4. Consumer quote requests

Our forms are free to use. When you submit one, you confirm that:

The information you provide is your own, and is accurate and complete
The phone number you provide is yours, or you are its authorized user
You are asking to be contacted about auto insurance

Submitting a form does not guarantee that you will be contacted, receive a quote, or qualify for coverage. Submitting information about another person, or false information, is prohibited.

6. Marketing and partner services

We provide marketing services to business clients — including paid advertising, SEO, email marketing, and analytics — and we sell auto insurance leads and calls to licensed agents, agencies, carriers, and their authorized call centers. Clients and lead buyers are referred to together as “Partners” in these Terms.

Leads are generated through advertising and quote-request pages we operate or manage. Before delivery, leads are screened for fraud, duplicates, and eligibility, and consent is captured on the form. Screening reduces risk; it does not guarantee that any consumer will answer, buy, or qualify.

Scope, pricing, volume, targeting, exclusivity, and delivery details are set in an insertion order, statement of work, or other written agreement between us and the Partner.

7. Delivery and returns

Exclusivity. Leads are sold as exclusive (delivered to one Partner) or shared (delivered to a limited number of Partners), as stated in the Partner’s agreement.
Delivery methods. We deliver by real-time post, integration with the Partner’s CRM, live transfer, or another method agreed in writing.
Caps and targeting. We honor agreed caps, schedules, geography, and filter settings. The Partner is responsible for keeping those settings accurate.
Acceptance. A lead is accepted when our system receives a successful response from the Partner’s endpoint or when a live transfer connects.
Returns. Return windows and valid return reasons are set out in the Partner’s agreement. Lack of contact, lack of interest, or failure to buy are not valid return reasons.

8. Fees and payment

Partners pay the fees stated in their agreement, on the payment terms stated there. Unless that agreement says otherwise:

We may pause services until an overdue account is brought current
Credits for approved returns are applied to future purchases and have no cash value
Fees exclude taxes, which the Partner is responsible for

9. Partner compliance obligations

Each Partner is solely responsible for how it contacts consumers and for complying with all laws that apply to it, including the Telephone Consumer Protection Act, the Telemarketing Sales Rule, state telemarketing and mini-TCPA laws, CAN-SPAM, and state insurance laws. Each Partner agrees to:

Hold, and keep current, every license required to sell the products it markets, in every state where it contacts consumers
Contact consumers only within the scope of the consent the consumer gave
Honor opt-out and do-not-call requests promptly, and tell us about any it receives regarding our leads
Maintain its own internal do-not-call list and scrub against the registries that apply to it
Not resell, transfer, or share leads with any third party without our written consent
Respond promptly to our requests for information about a consumer complaint or regulatory inquiry

10. Acceptable use

You agree not to:

Submit false, fraudulent, or automated form entries, or information about another person
Scrape, crawl, or copy our website or forms, or interfere with their security or operation
Reverse engineer our systems or attempt to access data you are not authorized to access
Use our services in violation of any law or to harass any person

11. Intellectual property

The emberlanesolutions name and logo, our website, forms, creative, and software are owned by Ember Lane Solutions LLC or its licensors. You may not use them without our written permission. All other trademarks are the property of their respective owners. Feedback you send us may be used without obligation to you.

12. Third parties

Our services may link to, or connect you with, websites and businesses we do not control, including Partners and insurance carriers. We are not affiliated with any insurance carrier unless we say so, and we are not responsible for third parties’ content, products, services, or privacy practices.

13. Disclaimers

Our services are provided “as is” and “as available”. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. Content on our website is for information only. We do not warrant any rate, saving, contact rate, conversion rate, or campaign result, or that our services will be uninterrupted or error-free.

14. Limitation of liability

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, or data. Our total liability arising out of or relating to these Terms or our services will not exceed the greater of (a) the amount you paid us in the three months before the event giving rise to the claim, or (b) one hundred U.S. dollars. Some jurisdictions do not allow these limits, so they may not apply to you.

15. Indemnification

You will defend, indemnify, and hold harmless us and our members, managers, employees, and agents from any claim, loss, or expense (including reasonable attorneys’ fees) arising from your breach of these Terms or your violation of law. For Partners, this includes any claim arising from the Partner’s contact with a consumer, its compliance obligations in Section 9, or its use of leads.

16. Dispute resolution and arbitration

Informal resolution first

Before starting any formal proceeding, you agree to email contact@emberlanesolutions.com with a description of the dispute and give us 30 days to try to resolve it informally. We will do the same for you.

Binding individual arbitration

Any dispute that is not resolved informally will be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules (for consumers) or Commercial Arbitration Rules (for businesses). The Federal Arbitration Act governs this section. Either party may instead bring an individual claim in small claims court if it qualifies.

Class action waiver

Disputes will be resolved only on an individual basis. Neither you nor we may bring or participate in a class, collective, consolidated, or representative action or arbitration. If this waiver is found unenforceable for a claim, that claim will proceed in court, not in arbitration.

Your right to opt out

You may opt out of this arbitration agreement by emailing contact@emberlanesolutions.com within 30 days after you first accept these Terms, with your name, contact details, and a clear statement that you are opting out of arbitration.

Governing law and venue

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-law rules. Any claim not subject to arbitration will be brought exclusively in the state or federal courts located in New Castle County, Delaware, and you consent to their jurisdiction.

17. Suspension and termination

We may suspend or end your access to our services at any time if you breach these Terms or if we reasonably believe it is necessary to prevent harm or comply with law. Sections that by their nature should survive — including payment obligations, compliance obligations, disclaimers, limitation of liability, indemnification, and dispute resolution — survive termination.

18. General

These Terms, together with our Privacy Policy and any written agreement with a Partner, are the entire agreement between you and us on their subject. If any provision is unenforceable, the rest remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. We may update these Terms by posting a new version on this page; continued use after the update means you accept it.

19. Contact

Legal notices and partnership inquiries: contact@emberlanesolutions.com

Mail: Ember Lane Solutions LLC, R. dos Mártires da República 7 3º Dtº, 8800-685 Tavira, Portugal