Terms & Conditions

Please read these Terms and Conditions carefully before using Hometown Quotes website and services. By accessing or using our website, you agree to be bound by these Terms and Conditions. Hometown Quotes is a trade name of Vocara, Inc.

1. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

2. Use License

Permission is granted to temporarily access the materials on Hometown Quotes' website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or for any public display
• Attempt to decompile or reverse engineer any software contained on the website
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server

3. Service Description

Hometown Quotes is a service designed to secure insurance quotes on your behalf and provide education regarding the quoting workflow. We execute this service by:

• Capturing Requirements: We collect your coverage criteria to generate a quote options.
• Process Education: We provide detailed information explaining how the insurance quoting and binding process operates.

We do not provide insurance directly, nor do we guarantee that you will receive quotes or that any quotes will meet your needs or expectations.

4. User Obligations

You agree to:

• Provide accurate, current, and complete information when using our services
• Maintain and promptly update your information to keep it accurate, current, and complete
• Use the website only for lawful purposes and in accordance with these Terms
• Not use the website in any way that could damage, disable, overburden, or impair our servers or networks
• Not attempt to gain unauthorized access to any portion of the website or any other accounts, computer systems, or networks

5. Consent to Communications

By providing your contact information, including your phone number and email address, you consent to receive communications from Hometown Quotes, including:

• Telephone calls, including automated dialing systems and artificial voices
• Text messages (SMS) regarding insurance quotes and related services
• Email communications about insurance options and services

Message and data rates may apply for text messages. You can opt-out of receiving text messages at any time by replying STOP. You can opt-out of marketing emails by clicking the unsubscribe link in any email or by contacting us directly. Consent is not a condition of purchase and may be revoked at any time.

6. Information Sharing

When you request a quote, you understand and agree that:

• Your information may be shared with one of our licensed agents to fulfill the quote we faciliate for you
• We may contact you regarding your quote request

Important: No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

7. Disclaimer of Warranties

The materials on Hometown Quotes' website are provided on an 'as is' basis. Hometown Quotes makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Hometown Quotes does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website or otherwise relating to such materials or on any sites linked to this site.

8. Limitations of Liability

In no event shall Hometown Quotes or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on Hometown Quotes' website, even if Hometown Quotes or a Hometown Quotes authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

9. Accuracy of Materials

The materials appearing on Hometown Quotes' website could include technical, typographical, or photographic errors. Hometown Quotes does not warrant that any of the materials on its website are accurate, complete, or current. Hometown Quotes may make changes to the materials contained on its website at any time without notice. However, Hometown Quotes does not make any commitment to update the materials.

10. Links to Third-Party Websites

Hometown Quotes has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Hometown Quotes of the site. Use of any such linked website is at the user's own risk.

11. Modifications

Hometown Quotes may revise these Terms and Conditions at any time without notice. By using this website you are agreeing to be bound by the then current version of these Terms and Conditions. We encourage you to review these Terms periodically for any changes.

12. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the United States and you irrevocably submit to the exclusive jurisdiction of the courts in that location.

13. Severability

If any provision of these Terms and Conditions is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms and Conditions shall otherwise remain in full force and effect and enforceable.

14. Contact Information

If you have any questions about these Terms and Conditions, please contact us: