Terms of Service

These Terms of Service (“Terms”) are a binding agreement between you and Run Syrup LLC, doing business as Rate Hall (“Rate Hall,” “we,” “us,” or “our”), and govern your use of Rate Hall (the “Service”). By using the Service or submitting the form, you accept these Terms, including the binding arbitration agreement and class action waiver in Section 12. If you do not agree, do not use the Service.

You must be at least 18 years old and legally capable of entering into this agreement to use the Service.

1. What the Service Is

Rate Hall is a free comparison and referral service that connects consumers with a third-party insurance marketplace and its participating insurance providers. We are not an insurer, insurance agency, or broker. We do not give insurance advice, make coverage decisions, or issue quotes, binders, or policies. Nothing on the Service is an offer of insurance. We may modify, suspend, or discontinue any part of the Service at any time without liability to you.

2. Your Responsibilities & Representations

By using the Service, you represent and warrant that:

• You are at least 18 years old and a resident of the United States.
• The information you submit is accurate and complete, and the phone number and email are yours or you are authorized to provide them and to consent to contact at them.
• You will use the Service only for your own genuine insurance inquiry.
• You will not submit false, misleading, or another person’s information, and you will not use the Service in any way that violates applicable law.

3. Consent to Be Contacted

By submitting the form you provide your electronic signature and your express written consent for the named insurance marketplace and its partners to contact you at the number and email provided, including by automatic telephone dialing system, artificial or prerecorded voice, and text message, even if the number is on a Do Not Call registry. Consent is not a condition of purchase. Message and data rates may apply. You may revoke consent as described in our Privacy Policy.

4. Electronic Communications

You agree that we may provide these Terms, our Privacy Policy, and any notices to you electronically (for example, by posting them on the Service or emailing you), and that your electronic acceptance of these Terms and your electronic signature on the consent language in Section 3 are valid and binding to the same extent as a handwritten signature or paper record, under the U.S. Electronic Signatures in Global and National Commerce Act (E-SIGN) and comparable state law.

5. No Guarantee of Results or Rates

We do not guarantee that you will be matched with any provider, that any provider will contact you, or that you will be offered coverage or any particular rate or savings. Any figures shown are illustrative and are not a quote.

6. Third-Party Providers

Insurance marketplaces and providers are independent third parties. We do not control and are not responsible for their products, pricing, communications, or conduct, or for the accuracy of their representations. Your dealings with them are solely between you and them, and any agreement, purchase, or dispute you have with a provider is governed by that provider’s own terms, not these Terms.

7. Prohibited Uses

You agree not to:

• Use automated means (bots, scrapers) to access or submit the form.
• Submit fraudulent, duplicate, or synthetic leads, or another person’s information without authorization.
• Attempt to interfere with, disable, or probe the security of the Service.
• Use the Service for any unlawful purpose or in violation of these Terms.

8. Intellectual Property

The Service and its content are owned by us or our licensors and are protected by law. You may not copy, scrape, or reuse the Service except as needed for your personal, non-commercial use of it.

9. Disclaimer of Warranties

The service and all content, matches, and referrals provided through it are provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, or accuracy. we do not warrant that the service will be uninterrupted, secure, or error-free, that any defect will be corrected, or that you will receive any particular rate, savings, or coverage. no advice or information you obtain from us, whether oral or written, creates any warranty not expressly stated in these terms.

10. Limitation of Liability

To the fullest extent permitted by law, in no event will we, our officers, members, employees, or service providers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or relating to your use of the service or any third-party provider’s conduct, communications, products, or pricing, even if we have been advised of the possibility of such damages. our total aggregate liability for any claim arising out of or relating to the service or these terms will not exceed the greater of one hundred u.s. dollars ($100) or the amount, if any, you paid us to use the service in the twelve (12) months before the claim arose.

Some states do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you to the extent prohibited by applicable law.

11. Indemnification

You agree to indemnify, defend, and hold us and our officers, members, employees, and service providers harmless from any claim, liability, damages, and expense (including reasonable attorneys’ fees) arising out of your misuse of the Service, your breach of these Terms, or your provision of a phone number or email you were not authorized to submit.

12. Binding Arbitration & Class Action Waiver

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and your right to participate in a class action.

12.1 Agreement to arbitrate. Except for disputes that qualify for small claims court or that seek only injunctive relief for intellectual property infringement, you and Run Syrup LLC agree to resolve any dispute arising out of or relating to these Terms, the Privacy Policy, or the Service — including disputes about the validity, enforceability, or scope of this arbitration agreement — exclusively through final and binding individual arbitration, and not in court, except as set out below.

12.2 Notice and informal resolution first. Before starting an arbitration, you agree to send a written Notice of Dispute to privacy@ratehall.com or 145 Tyee Dr, PMB 58756, Point Roberts, WA 98281, describing the dispute and the relief sought. We will do the same if we have a dispute with you. Both sides agree to attempt in good faith to resolve the dispute for 30 days after notice is sent before either side commences arbitration or files in small claims court.

12.3 Arbitration rules and fees. Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect, before a single arbitrator. The arbitration will be held, at your election, by videoconference, by phone, based on written submissions, or in person in the county where you reside or another mutually agreed location. For any claim of $10,000 or less, we will pay all AAA filing, administrative, and arbitrator fees, unless the arbitrator finds your claim frivolous. We will not seek attorneys’ fees or costs from you in arbitration unless the arbitrator finds your claim frivolous or brought for an improper purpose.

12.4 Class action and jury trial waiver. YOU AND RUN SYRUP LLC EACH AGREE THAT ANY PROCEEDING TO RESOLVE A DISPUTE WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION, AND YOU AND RUN SYRUP LLC EACH WAIVE ANY RIGHT TO A JURY TRIAL. The arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding.

12.5 Mass filing / batching. If 25 or more similar arbitration demands against us are filed by or with the assistance of the same law firm or coordinated group of firms within a 60-day period, raising substantially similar claims, the parties agree those demands will be batched into groups of no more than 50 claims, filing fees for batched claims will be assessed on a per-batch (not per-claimant) basis, and the batches will proceed before a single arbitrator sequentially as bellwether cases, with the resolution of the bellwether cases informing (but not binding) the resolution of the remaining batches, in an order and on a schedule the arbitrator sets to manage the volume in good faith.

12.6 30-day opt-out. You may opt out of this arbitration agreement by emailing privacy@ratehall.com within 30 days of the date you first agreed to these Terms, stating your name and that you opt out of arbitration. If you opt out, disputes will proceed in the courts identified in Section 13, and you will not be bound by the class action waiver in Section 12.4 with respect to a court proceeding, though we still may not be joined in a class with other claimants without our consent.

12.7 Severability of this section. If any part of this Section 12 is found unenforceable, the remainder stays in effect, except that if the class action waiver in Section 12.4 is found unenforceable as to a particular claim or request for relief, that claim or request must be severed from arbitration and may proceed only in the courts identified in Section 13, and the remainder of this Section 12 continues to apply to all other claims.

13. Governing Law & Venue

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. For any dispute not subject to arbitration under Section 12 (including a dispute where you have validly opted out of arbitration), you and we agree to the exclusive jurisdiction and venue of the state and federal courts located in Texas, and you consent to personal jurisdiction there.

14. Force Majeure

We will not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including acts of God, natural disaster, war, terrorism, civil unrest, labor conditions, governmental action, internet or telecommunications failure, or failure of a third-party provider or vendor we rely on to operate the Service.

15. General Provisions

Entire agreement. These Terms and our Privacy Policy are the entire agreement between you and us regarding the Service and supersede any prior agreements.

Severability. If any provision of these Terms (other than Section 12, governed by Section 12.7) is found unenforceable, the remaining provisions remain in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.

No waiver. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.

Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign or transfer these Terms, without restriction, including in connection with a merger, acquisition, or sale of assets.

Notices. We may provide notices to you via the contact information you submitted or by posting on the Service. You may send notices to us at privacy@ratehall.com or 145 Tyee Dr, PMB 58756, Point Roberts, WA 98281.

16. Notice to California Users

Under California Civil Code § 1789.3, California users are entitled to the following consumer rights notice: if you have a question or complaint regarding the Service, you may contact us at privacy@ratehall.com or 145 Tyee Dr, PMB 58756, Point Roberts, WA 98281. California residents may also reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by phone at (800) 952-5210.

17. Changes

We may update these Terms from time to time. Material changes will be reflected by a new Effective Date on this page. Your continued use of the Service after a change becomes effective constitutes acceptance of the updated Terms; if you do not agree to a change, your only remedy is to stop using the Service.

18. Contact

“Rate Hall” is a registered assumed name of Run Syrup LLC.