Terms

Updated August 1, 2025
PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THIS SITE.

By accessing The Senior Quotes, using any of our services, accessing and using any other websites on which these Terms and Conditions reside (collectively referred to herein as the “Site”), or any of the Site’s Content, or by clicking any submission button on the Site (including but not limited to “[Get Quotes]”, “[Submit]”, “[Calculate]”, or “[Continue]”), you acknowledge that you agree to and are subject to the following Terms and Conditions, including without limitation, binding arbitration (described in Section 2 below), The Senior Quotes Privacy Policy, E-Sign Consent, and any operating rules, policies, and procedures that may be published from time to time on this Site (collectively, the “Terms”). NOTE THAT THESE TERMS CONTAIN PROVISIONS THAT GOVERN THE RESOLUTION OF DISPUTES BETWEEN US AND YOU AND THAT LIMIT OUR LIABILITY TO YOU.

f you do not agree to these Terms, you may not access or otherwise use the Site or the Content. The Terms constitute a legally binding agreement between you and us, The Senior Quotes, the operator of the Site (hereafter referred to as “we”, “us” or “our”). References in these Terms to “Site operator,” “we”, “us” and “our” include our affiliates (including, without limitation, The Senior Quotes, Inc.), agents, successors and assigns.

1. Our Services

The Site acts as a portal to facilitate insurance agents, insurance companies, debt relief providers, financial service companies, lead aggregators, and other similar parties (each a “Provider”) to offer for sale and to sell insurance, debt relief, lending, tax relief, and other financial products to potential consumers who have applied through the Site to receive quotations or information from a Provider (each, a “Prospect”), and all Prospects and potential Prospects that use the Site are collectively called the Site’s “Users” (and hereafter may be referred to as “you” or “your”). We may, with a Prospect’s authorization, collect certain information (a “Lead”) about a Prospect and share or sell the Lead to a Provider.

By submitting your contact information through this Site, you acknowledge and agree that your information may be shared with, provided to, and used by us and our designated Providers—specifically including Better Debt Solutions, Lendvia, Better Rise Capital, and Better Tax Relief—for purposes of evaluating your request, determining eligibility, offering financial, debt-relief, credit, lending, or tax-relief services, and communicating with you regarding those products or services.

YOU EXPRESSLY AUTHORIZE US AND OUR DESIGNATED PROVIDERS (INCLUDING BETTER DEBT SOLUTIONS, LENDVIA, BETTER RISE CAPITAL, AND BETTER TAX RELIEF) TO CONTACT YOU AT THE TELEPHONE NUMBER AND EMAIL ADDRESS YOU PROVIDE VIA PHONE CALL, ARTIFICIAL OR PRERECORDED VOICE MESSAGES, AND AUTOMATED TEXT MESSAGES (INCLUDING SMS AND MMS), EVEN IF YOUR TELEPHONE NUMBER IS CURRENTLY LISTED ON ANY CORPORATE, STATE, OR NATIONAL DO-NOT-CALL REGISTRY. You acknowledge that:

  1. Calls and text messages may be initiated using automatic telephone dialing systems or automated technology.
  2. Your consent is voluntary and is NOT a required condition of purchasing any property, goods, or services.
  3. Standard message and data rates may apply.
  4. You may revoke your consent to receive automated text messages at any time by replying "STOP", "QUIT", "END", "CANCEL", or "UNSUBSCRIBE" to any incoming text message.

2. Dispute Resolution By Binding Arbitration

PLEASE READ THIS CAREFULLY. IT AFFECTS YOUR RIGHTS.

2.1 Scope & Agreement to Arbitrate. You agree to attempt in good faith to settle any dispute or claim that has or may arise between us, which arises out of or relates in any way to these Terms, your use of the Site or Content, or any communications received from or on behalf of us or any Provider (including phone calls, text messages, automated dialing, artificial / prerecorded voices, or Do-Not-Call registry claims). FOR PURPOSES OF THIS SECTION 2, REFERENCES TO "WE", "US", "OUR", OR "PROVIDER" EXPRESSLY INCLUDE THE SENIOR QUOTES, INC., ITS PARENTS, SUBSIDIARIES, AFFILIATES, AGENTS, EMPLOYEES, PREDECESSORS, SUCCESSORS, ASSIGNS, THIRD-PARTY LEAD GENERATORS, MARKETING PARTNERS, INSURANCE CARRIERS, DEBT RELIEF PROVIDERS, AND DOWNSTREAM LEAD PURCHASERS/BUYERS (INCLUDING BETTER DEBT SOLUTIONS, LENDVIA, BETTER RISE CAPITAL, AND BETTER TAX RELIEF) AS INTENDED THIRD-PARTY BENEFICIARIES OF THIS ARBITRATION AGREEMENT.
You agree to arbitrate all Claims between you and us, or any Provider or downstream lead purchaser, that cannot be amicably resolved. HIS ARBITRATION AGREEMENT EVIDENCES A TRANSACTION IN INTERSTATE COMMERCE AND SHALL BE GOVERNED BY AND ENFORCED PURSUANT TO THE FEDERAL ARBITRATION ACT (FAA), 9 U.S.C. § 1 ET SEQ.

2.2 Explicit Delegation Clause (Threshold Arbitrability). THE ARBITRATOR, AND NOT ANY FEDERAL, STATE, OR LOCAL COURT OR AGENCY, SHALL HAVE EXCLUSIVE AUTHORITY TO RESOLVE ALL DISPUTES ARISING OUT OF OR RELATING TO THE INTERPRETATION, APPLICABILITY, ENFORCEABILITY, FORMATION, CONSENT EXPIRATION, OR TERMINATION OF THIS ARBITRATION AGREEMENT, INCLUDING BUT NOT LIMITED TO ANY CLAIM THAT ALL OR ANY PART OF THIS AGREEMENT IS VOID, VOIDABLE, OR UNCONSCIONABLE.

2.3 Class Action Waiver. You agree that, by entering into this arbitration agreement, you and we are each waiving our respective rights to a trial by jury or to participate in a class or representative action, and that arbitration of disputes pursuant to this Section 2 shall be in your individual capacity. THE ARBITRATOR MAY NOT CONSOLIDATE, COMBINE, OR JOIN THE CLAIMS OF OTHER PARTIES WHO MAY BE SIMILARLY SITUATED OR OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.

2.4 Rules & Gap-Filling. The arbitration will be governed by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. IF THE AAA IS UNABLE OR UNWILLING TO ADMINISTER THE ARBITRATION, THE PARTIES SHALL AGREE UPON OR PETITION A COURT PURSUANT TO 9 U.S.C. § 5 TO APPOINT A SINGLE NEUTRAL ARBITRATOR.

2.5 Right to Opt-Out. You may opt-out of this arbitration provision only by written notice to us at info@theseniorquotes.com within thirty (30) days of your acceptance of this agreement, which notice shall include your name, address, telephone number, and a clear statement that you do not wish to resolve disputes through arbitration.

DO NOT USE THIS SITE IF YOU DO NOT AGREE TO THE FOREGOING BINDING ARBITRATION PROVISIONS.

3. PERSONAL USE

We do not charge Users to access the Site. We grant each User a limited, revocable, non-exclusive license to access the Site and the text, images, maps, files, photos, information and other materials on the Site (the “Content”) in order to view, access or make inquiries to us regarding our services, in accordance with these Terms. Any other use of the Site is expressly prohibited. This limited license does not include any right of display, copying, aggregation, collection, or derivative use of the Site nor any right of use of spiders, data mining, robots or similar data extraction and gathering tools without our prior express written permission. Any rights not expressly granted herein are reserved by us.

4. DOWNLOADING OF INFORMATION FROM THE SITE AND PROPRIETARY RIGHTS

All Content and the Site itself is protected by copyright and database rights as a compilation and/or collective work, pursuant to U.S. copyright laws, other copyright laws, trademark laws, and international conventions. The Content is only for each User’s personal use in accordance with Section 3 (Personal Use). All Users agree to abide by these Terms and any and all additional information, restrictions or copyright notices contained in or relating to any Content on the Site. Copying or storing any Content other than for noncommercial, personal use is expressly prohibited without prior written permission from us or the applicable copyright holder. You acknowledge and agree that The Senior Quotes and its respective affiliates, own the data gathered by the Application. By displaying, publishing, or otherwise posting Content on our through the Site, you hereby grant to The Senior Quotes a non-exclusive, sub-licenseable, irrevocable, worldwide, fully-paid, royalty free license to use, modify, publicly display, reproduce, publish, and distribute such User Content in any and all media now known or hereafter developed without the requirement to make payment to you or any third party or to seek your or any third party’s permission.

5. UNAUTHORIZED USE & VENDOR COMPLIANCE

Unless allowed under applicable law, you may not upload, copy, frame, reverse engineer, or scrape the Site.

5.1 Vendor Lead Restrictions & Anti-Subcontracting. All third-party lead generators, publishers, and media vendors providing leads, traffic, or data to the Site are strictly prohibited from subcontracting calling, texting, or lead-generation activity to unauthorized sub-vendors without prior written consent. We reserve the right to immediately repudiate non-compliant leads, withhold payment, and terminate vendor relationships upon discovering unauthorized sub-vendor activity or TCPA non-compliance.

6. SITE CHANGES

We may change, discontinue or suspend any aspect of the Site at any time, including the availability of any Site features, Content or database. We may also impose limits on certain services or features or restrict your access to all or part of the Site without notice to you or liability to us.

7. OUR PRIVACY POLICY

When you use the Site, you consent to the collection and use of your personally identifiable information in accordance with The Senior Quotes Privacy Policy, which is incorporated into these Terms. Our Privacy Policy explains our information collection practices and safeguards, how we use and share your information, and how to opt-out of receiving communications from us. ou explicitly acknowledge and agree that the Privacy Policy incorporates your Prior Express Written Consent under the TCPA, authorizing us and our designated Authorized Partners (specifically including Better Debt Solutions, Lendvia, Better Rise Capital, and Better Tax Relief) to contact you via phone, automated text message, or prerecorded voice, as well as the binding individual arbitration and class action waiver provisions set forth in Section 2 of these Terms.

8. IDENTITY VERIFICATION

We encourage all Users to use appropriate caution when interacting with anyone whom you may be doing business with specifically via the Site or generally via the Internet. We reserve the right, but assume no obligation, to utilize third-party verification tools (including TCPA lead-certification platforms such as Jornaya LeadID or ActiveProspect TrustedForm) to verify User identity, validate telephone numbers, and record time-stamped proof of prior express written consent.

9. LIMITATION OF LIABILITY

IN NO EVENT WILL WE OR ANY OF OUR OFFICERS, DIRECTORS, SHAREHOLDERS OR EMPLOYEES, OR THOSE OF ANY APPLICATION MARKETPLACE PROVIDER, BE LIABLE FOR ANY LOST PROFITS, COVER, LOSS OF REVENUE OR ANY INDIRECT, CONSEQUENTIAL, SPECIAL, INCIDENTAL, OR PUNITIVE DAMAGES ARISING OUT OF, BASED ON, OR RESULTING FROM YOUR USE OF THE SITE, YOUR INABILITY TO USE THE SITE, OR ANY TRANSACTION BETWEEN US OR BETWEEN YOU AND PROVIDERS THAT IS ENABLED BY OR ARISES IN CONNECTION WITH YOUR USE OF THE SITE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THESE LIMITATIONS AND EXCLUSIONS APPLY WITHOUT REGARD TO WHETHER THE DAMAGES ARISE FROM (i) BREACH OF CONTRACT, (ii) BREACH OF WARRANTY, (iii) STRICT LIABILITY, (iv) TORT, (v) NEGLIGENCE, (vi) STATUTE (INCLUDING BUT NOT LIMITED TO CLAIMS UNDER THE TELEPHONE CONSUMER PROTECTION ACT, 47 U.S.C. § 227, OR STATE TELEMARKETING LAWS), OR (vii) ANY OTHER CAUSE OF ACTION, TO THE MAXIMUM EXTENT SUCH EXCLUSION AND LIMITATIONS ARE NOT PROHIBITED BY APPLICABLE LAW. IN ALL EVENTS, OUR LIABILITY, TO YOU OR TO ANY THIRD PARTY IN ANY CIRCUMSTANCE ARISING OUT OF OR IN CONNECTION WITH THE SITE IS LIMITED TO THE GREATER OF (a) THE AMOUNT OF FEES ACTUALLY RECEIVED BY US FROM YOU DURING THE CALENDAR MONTH DURING WHICH SUCH ALLEGED CLAIM(S) ACCRUED, AND (b) $200.00. Any cause of action you may have hereunder or with respect to your use of the Site must be commenced within one (1) year after the claim or cause of action first arises. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL, CONSEQUENTIAL, OR OTHER DAMAGES; AS A RESULT, THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU AND THE FOREGOING PARAGRAPH SHALL NOT APPLY TO A RESIDENT OF NEW JERSEY TO THE EXTENT DAMAGES TO SUCH NEW JERSEY RESIDENT ARE THE RESULT OF The Senior Quotes’s NEGLIGENT, FRAUDULENT OR RECKLESS ACT(S) OR INTENTIONAL MISCONDUCT.

10. DISCLAIMER

THE SITE, INCLUDING ALL CONTENT, SERVICES, FUNCTIONS, SOFTWARE, MATERIALS AND INFORMATION MADE AVAILABLE ON OR ACCESSED THROUGH THE SITE, IS PROVIDED ON AN “AS IS, AS AVAILABLE” BASIS, AND The Senior Quotes DOES NOT OFFER MAINTENANCE OR SUPPORT SERVICES FOR ANY PORTION OF THE SITE, INCLUDING THE APPLICATION. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER FOR THE CONTENT ON THE SITE OR THE SERVICES, INFORMATION, FUNCTIONS AND MATERIALS AVAILABLE THROUGH THE SITE, FOR ANY SERVICES OR PRODUCTS OR HYPERTEXT LINKS TO THIRD PARTIES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SITE OR ANY LINKED SITE. FURTHER, WE EXPRESSLY DISCLAIM ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING, WITHOUT LIMITATION, NON-INFRINGEMENT, TITLE, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE. WE DO NOT WARRANT THAT THE FUNCTIONS CONTAINED IN THE SITE OR ANY SERVICES, CONTENT OR MATERIALS CONTAINED THEREIN WILL MEET YOUR NEEDS, BE COMPLETE OR ACCURATE, BE UNINTERRUPTED OR ERROR FREE.

11. Release

In the event that you have a dispute with any Provider, Prospect, or other third party, including without limitation any other user of the Site or any downstream financial or debt relief provider (specifically including Better Debt Solutions, Lendvia, Better Rise Capital, and Better Tax Relief), arising from or in connection with the use of the Site, you hereby agree to release, remise and forever discharge us and our agents, directors, officers, employees, shareholders and all other related persons or entities from any and all manner of rights, complaints, demands, claims, causes of action, proceedings, obligations, liabilities, legal fees, costs, and disbursements of any nature whatsoever, whether known or unknown, which now or hereafter arise from, relate to, or are connected with such dispute or your use of the Site.

12. Indemnity

You hereby agree to indemnify, defend and hold us and our agents, directors, officers, employees, shareholders and all other related persons or entities (collectively, the “Indemnified Parties”) harmless from and against any and all liability and costs (including reasonable attorneys’ fees and court costs) incurred by the Indemnified Parties in connection with any claim arising out of your use of the Site or the Content thereon (including, without limitation, as a result of any transaction or interaction between you and a Provider or any of Provider’s affiliates, partners or agents that is enabled by or arises in connection with your use of the Site), any information or data you access or provide through the Site, and any act (or failure to act) by you or other users of your account or any breach by you of these Terms, including, without limitation, the representations, warranties and covenants made by you herein.

13. Proprietary Rights Notification

Identification of the proprietary work claimed to have been infringed, or, if multiple proprietary works are covered by a single notification, a representative list of such works; Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit us to locate the material; Information reasonably sufficient to permit us to contact you, such as an address, telephone number, and an electronic mail address; A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the owner, its agent, or the law; and A statement that the information in the notification is accurate and, under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

Please contact our designated Copyright Agent at info@theseniorquotes.com to send notifications of claimed infringement. For clarity, only DMCA notices should go to the Copyright Agent; any other feedback, comments, requests for technical support, and other communications should be directed to our customer service through the Contact Us area of the Site. You hereby acknowledge and agree that if you fail to comply with all of the requirements listed above, your DMCA notice may not be valid.

14. Trademarks

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.

15. Choice of Law and Forum

The Senior Quotes is a Delaware corporation and this agreement is governed by the laws of the State of Delaware, United States of America, excluding its choice of law rules. Subject to Section 2 (Dispute Resolution By Binding Arbitration, which is governed exclusively by the Federal Arbitration Act, 9 U.S.C. § 1 et seq., and federal arbitration law), you irrevocably agree that such jurisdiction and venue will be the sole and exclusive jurisdiction and venue in Delaware of any legal dispute. You covenant not to sue us in any other forum for any cause of action. Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of any such right or provision. Subject to Section 2, if for any reason a court of competent jurisdiction finds any provision of these Terms, or portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to affect the intent of these Terms, and the remainder of these Terms shall continue in full force and effect.

16. No Agency

The relationship between the Company and each User and Provider is that of independent contractors, and no agency, joint venture, partnership, employee-employer or franchiser-franchisee relations is intended or created by these Terms or your use of the Site.

17. Notices

Except as explicitly stated otherwise, any notices sent from you to us shall be submitted via e-mail at info@theseniorquotes.com, Attn: Legal Department. When we need to send a notice to you, it shall be sent to the e-mail address you last provided to us. Notice shall be deemed given upon receipt or 24 hours after e-mail is sent, unless the sending party is notified that the e-mail address is invalid. Alternatively, we may give you notice by certified mail, postage prepaid and return receipt requested, to the address last provided to us by you. In such cases, notice shall be deemed given three days after the date of mailing.

18. Amendments

We reserve the right to change, modify, add or remove any portion of these Terms, in whole or in part, at any time. Notification of changes to these Terms will be posted on the Site and will be effective immediately thereafter. Your use of the Site following the posting of any such change, modification or amendment to these Terms will constitute your acceptance thereof. These Terms may not otherwise be modified, except in a writing signed by both parties. No delay or failure on the part of either party in exercising any right or remedy hereunder shall operate as a waiver thereof or of any other right or remedy. No waiver whatsoever shall be valid unless in writing, signed by the party to be charged, and then only to the extent therein set forth. These Terms (including, without limitation, the E-Sign Consent, binding arbitration) and the Privacy Policy constitute the entire agreement between us and Users with respect to the matters contemplated hereby.

19. Links to Third-Party Sites

This Site may contain links to other Internet sites. We are not responsible for the availability of such external sites or resources, and do not endorse and are not responsible or liable for any content, advertising, products, or other materials on or available from such sites or resources. We shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, products or services available on such external sites or resources. We provide these links and references to you only as a convenience, and inclusion of any link or reference does not imply endorsement of the Web site or other resource.

20. Partial Invalidity

The invalidity or unenforceability of any one or more sections of these Terms shall not affect the validity or enforceability of its remaining provisions. In the event that any provision of Section 2 (Dispute Resolution By Binding Arbitration) is deemed unenforceable, the remaining provisions of Section 2 shall remain in full force and effect pursuant to the Federal Arbitration Act.

21. Acknowledgement

You acknowledge that You have read and understand these Terms, and that these Terms have the same force and effect as a signed agreement. These Terms shall confer no rights upon any party other than the parties hereto and their intended third-party beneficiaries as defined in Section 2 (specifically including Better Debt Solutions, Lendvia, Better Rise Capital, Better Tax Relief, and authorized downstream Providers).

22. E-SIGN CONSENT

In this E-Sign Consent, the following definitions apply: (i) “You” and “your” refer to you, the User; (ii) “We,” “us,” and “our” refer to the Site operator and its affiliates (including, without limitation, The Senior Quotes Inc.), agents, successors and assigns.

By clicking the “[Submit]”, “[Get Quotes]”, or “[Continue]” button, which you adopt as your electronic signature, you consent and agree that:

1. We can provide you disclosures required by law, and other information about your legal rights and duties, electronically.

2. You adopt your click as an electronic signature manifesting intent to enter into a binding agreement under the E-SIGN Act and state contract law.

To access and retain electronic Disclosures, you will need a computer or mobile device with Internet access, a currently supported web browser, a valid email address, and sufficient storage space to save past Disclosures and/or an installed printer to print them. If you use a spam filter that blocks or re-routes emails from senders not listed in your email address book, you must add info@theseniorquotes.com to your email address book. You understand that you may request paper copies of the Disclosures, and that we will provide them to you by mail at no charge. You can request paper copies and/or withdraw consent by contacting us at info@theseniorquotes.com. Any withdrawal of your consent to receive electronic Disclosures will be effective only after we have a reasonable period of time to process your withdrawal. You understand and agree that if you withdraw your consent to receive electronic Disclosures, we may – though we are not obligated to – cancel your account.

At any time, you can update the email address to which we will send alerts that Disclosures are available. You can change your email address by contacting us at: info@theseniorquotes.com. By consenting, you agree that electronic Disclosures have the same meaning and effect as if we provided paper Disclosures to you. When we send you an email or other electronic notification alerting you that Disclosures are available electronically and we do in fact make them available online, that shall have the same meaning and effect as if we provided paper Disclosures to you, whether or not you choose to view the Disclosures, unless you had previously withdrawn your consent to receive Disclosures electronically. You understand and agree that Disclosures are considered received by you within 24 hours of the time posted to our website or otherwise communicated to you electronically.

You understand and agree that we reserve the right to cancel this electronic Disclosure service, change the terms of use of this service or send Disclosures in paper form at any time. You understand and agree that we are responsible for sending notice of the Disclosures to you electronically including at the email address you have provided, but are not responsible for any delay or failure in your receipt of the email notices.

Contact info@theseniorquotes.com if you have any questions regarding any of these Terms.