TERMS OF SERVICE

Last Updated: 4/18/26

1. ACCEPTANCE OF TERMS

Welcome to Fast Business Quote ("Company," "we," "us," or "our"), operated by Nemisense LLC. These Terms of Service ("Terms") govern your use of our website at www.fastbusinessquote.com and all related services (collectively, the "Services"). By accessing or using our Services, you ("User," "you," or "your") agree to be bound by these Terms and our Privacy Policy, incorporated herein by reference.

Important: By using our Services, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms. If you are using our Services on behalf of a business entity, you represent that you have the authority to bind that entity to these Terms.

2. DESCRIPTION OF SERVICES

Fast Business Quote is an insurance marketplace that connects business owners with licensed insurance carriers and agency partners to obtain commercial insurance quotes. We are a lead generation service and marketing platform, not an insurance company or licensed insurance agent.

We Do Not:

Provide insurance coverage
Act as an insurance broker or agent
Guarantee any particular insurance rates or coverage
Validate the licensing or qualifications of third-party service providers

2.1 Personalized Pre-fill and Accuracy

To reduce friction, our Services may pre-populate form fields (most commonly your ZIP or postal code) based on signals such as IP address, device characteristics, and prior visits to our site. Pre-fill is a convenience feature and is not an assertion by us about your actual location or identity. You remain solely responsible for reviewing and correcting any pre-filled value before submitting. We make no warranty that any pre-filled value is accurate, and an incorrect pre-filled value is not a defect in the Service.

3. USER OBLIGATIONS AND PROHIBITED CONDUCT

3.1 Account Information

You agree to:

Provide accurate, current, and complete information
Maintain and update your information as necessary
Safeguard any login credentials
Notify us immediately of unauthorized account access

3.2 Prohibited Activities

You may not:

Use automated systems (bots, scrapers, etc.) to access our Services
Violate any applicable laws or regulations
Submit false, misleading, or fraudulent information
Interfere with our Services' operation or security
Use our Services for commercial solicitation without permission
Collect personal information of other users
Transmit viruses, malware, or other harmful code
Spoof, forge, rotate, or otherwise manipulate device, network, or browser signals (including but not limited to User-Agent strings, IP address, timezone, canvas/WebGL/audio fingerprints, cookies, and storage identifiers) in a manner intended to mislead our systems, bypass fraud controls, or fabricate lead volume. We may refuse service, invalidate submissions, and pursue all remedies for violations.

4. LEAD GENERATION AND THIRD-PARTY SERVICES

4.1 Service Provider Relationships

By submitting a request through our Services, you authorize us to:

Share your information with insurance carriers and agents
Facilitate contact between you and service providers
Receive compensation from service providers for leads

4.2 Third-Party Communications

IMPORTANT NOTICE: Service providers may contact you via phone, email, text, or mail, even if you are on the National Do Not Call Registry. By using our Services, you provide express written consent to receive communications from us and our partners.

4.3 Third-Party Services

We are not responsible for:

The quality, accuracy, or availability of third-party services
Insurance quotes, policies, or claims handling
Actions or omissions of service providers
Disputes between you and service providers

5. PRIVACY AND DATA COLLECTION

Your privacy is important to us. Please review our Privacy Policy, which explains how we collect, use, and protect your information. By using our Services, you consent to our privacy practices as described in the Privacy Policy.

6. INTELLECTUAL PROPERTY

6.1 Our Rights

All content on our Services, including text, graphics, logos, images, software, and other materials, is owned by us or our licensors and protected by copyright, trademark, and other intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use our Services for their intended purpose. This license may be revoked at any time.

6.3 User Content

By submitting content to our Services, you grant us a worldwide, royalty-free, perpetual license to use, modify, and distribute such content in connection with our Services.

7. DISCLAIMERS AND LIMITATION OF LIABILITY

7.1 Service Disclaimers

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING:

MERCHANTABILITY AND FITNESS FOR PARTICULAR PURPOSE
ACCURACY OR COMPLETENESS OF INFORMATION
UNINTERRUPTED OR ERROR-FREE OPERATION
SECURITY OR FREEDOM FROM VIRUSES

7.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

OUR LIABILITY SHALL NOT EXCEED $200 OR THE AMOUNT YOU PAID US IN THE PRECEDING 12 MONTHS
WE SHALL NOT BE LIABLE FOR INDIRECT, CONSEQUENTIAL, PUNITIVE, OR SPECIAL DAMAGES
WE ARE NOT LIABLE FOR THIRD-PARTY ACTIONS OR SERVICES

7.3 Insurance Disclaimer

WE ARE NOT AN INSURANCE COMPANY. WE DO NOT PROVIDE INSURANCE ADVICE OR RECOMMENDATIONS. ALL INSURANCE DECISIONS ARE YOUR SOLE RESPONSIBILITY.

8. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Company and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

Your use of our Services
Your violation of these Terms
Your violation of applicable laws
Information you provide to us or third parties

9. DISPUTE RESOLUTION

9.1 Mandatory Arbitration

Any disputes arising from these Terms or your use of our Services shall be resolved through binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, except for:

Small claims court matters (under $10,000)
Intellectual property disputes
Injunctive relief requests

9.2 Class Action Waiver

You agree to resolve disputes individually and waive any right to participate in class actions, collective actions, or representative proceedings.

9.3 Governing Law

These Terms are governed by Nevada law, regardless of conflict of law principles.

10. FORCE MAJEURE

We shall not be liable for any failure to perform due to circumstances beyond our reasonable control, including natural disasters, acts of government, war, terrorism, cyber attacks, or technical failures.

11. MODIFICATIONS AND TERMINATION

11.1 Modifications

We may modify these Terms at any time by posting updated Terms on our website. Continued use constitutes acceptance of modifications.

11.2 Termination

We may suspend or terminate your access to our Services at any time, with or without cause or notice.

14. TCPA AND COMMUNICATION CONSENT

14.1 Express Written Consent

By providing your phone number and using our Services, you provide express written consent to receive:

Pre-recorded or artificial voice calls from us and our insurance partners
Text messages related to your insurance quote requests
Marketing communications about insurance products and services
Follow-up communications regarding your requests

14.2 Consent Details

You understand and agree that:

Calls and texts may be made using automatic telephone dialing systems
Standard message and data rates may apply
Your consent is not required as a condition of purchasing services
We may contact you even if your number is on the Do Not Call Registry

14.3 Revocation Rights

You may revoke your consent at any time by:

Replying "STOP" to any text message
Emailing us at optout@theswitchboardmarketing.com
Visiting our opt-out page at www.fastbusinessquote.com/DoNotSell

Important: Revoking consent may prevent you from receiving insurance quotes you've requested.

15. DATA BREACH NOTIFICATION AND SECURITY

15.1 Security Measures

We implement reasonable administrative, technical, and physical safeguards to protect your information. However, you acknowledge and agree that:

No Absolute Security: No data transmission over the Internet or wireless network can be guaranteed to be 100% secure
Inherent Risks: Internet-based services contain security and privacy limitations beyond our control
User Responsibility: You are responsible for maintaining the confidentiality of your account credentials
Third-Party Risks: Information shared with third-party service providers is subject to their security practices

15.2 Data Breach Obligations

Your Obligation to Report: You agree to immediately notify us of:

Any unauthorized use of your password or account
Any suspected security breach or unauthorized access
Any violation of these Terms that you become aware of
Any other security incident related to our Services

Notification Method: Report security incidents by emailing: Legal@theswitchboardmarketing.com

15.3 Limitation of Liability for Security Incidents

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR:

Unauthorized Access: Any unauthorized access to or alteration of your information
Data Transmission: Any interruption, deletion, or corruption of data during transmission
Third-Party Actions: Actions of hackers, crackers, or other unauthorized third parties
Force Majeure: Security incidents resulting from circumstances beyond our control

You assume all risk associated with the transmission and storage of information through our Services.

16. GENERAL PROVISIONS

16.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us.

16.2 Severability

If any provision is deemed unenforceable, the remaining provisions shall remain in effect.

16.3 No Waiver

Our failure to enforce any provision does not constitute a waiver of future enforcement.

16.4 Assignment

We may assign these Terms; you may not assign without our consent.

17. CONTACT INFORMATION

For questions about these Terms, contact us at:

Email: Legal@theswitchboardmarketing.com
Address: 1849 W 645 S Orem, UT 84059