Terms of Use

1. General Provisions

1.1. These Terms of Use govern your access to and use of the Website and insurance quote engine operated by AdRocketry LLC, a Wisconsin company ("this site," "our," "us," or "we"), located at https://justclickandpickit.com/ (collectively, the "Website"). By accessing, browsing, and using this Website, you ("you" or "User") consent that you have read, understood, and accepted these Terms of Use. If you disagree with any terms herein, you must cease using the Website.

1.2. Unless you are an insurance broker, agent, or other insurance professional, or intend to become our Partner, this site does not charge you for using the Website.

1.3. Our Website is free to use. However, our Partners may pay fees to be matched with Users. We are not responsible for any fee arrangements or relationships between you and our Partners, except as prohibited by law.

1.4. Please note that this site does not provide insurance services to Users. We operate as Advertising Agencies under NAICS Code 541810.

2. Main Functionality

2.1. Through our Website, you can request estimates and quotes for various types of insurance offered by our Partners (insurance companies, agents, brokers, etc.):

2.1.1. LIFE INSURANCE; 2.1.2. HEALTH INSURANCE; 2.1.3. MEDICARE; 2.1.4. AUTO INSURANCE; 2.1.5. HOME INSURANCE.

We display potential options for you to explore further with our Partners. We recommend consulting a licensed agent for guidance.

2.2. To process your request, we may ask for specific categories of data related to the insurance type you select.

2.3. By providing your details, you agree to be contacted by our Partners for marketing purposes regarding insurance and financial products.

2.4. To request a LIFE INSURANCE quote, you must provide data such as current insurance status, gender, tobacco use, family status, and medical history.

2.5. To request a HEALTH INSURANCE quote, provide data such as desired benefits, Medicare enrollment status, spouse and children details, income, email, and phone number.

2.6. To request a MEDICARE quote, provide data such as Medicare enrollment status, birthdate, coverage timeframe, desired benefits, spouse details, income, email, and phone number.

2.7. To request a HOME INSURANCE quote, provide data such as current insurance status, property details, address, square footage, claim history, credit rating, mortgage details, and coverage amount.

2.8. To request an AUTO INSURANCE quote, provide data such as name, birthdate, contact details, address, driving experience, vehicle details, and insurance status.

2.9. By submitting a request on our Website, you authorize us and our Partners to obtain and use your Social Security Number, credit report, and credit score as permitted by law to verify your identity and provide quotes.

2.10. Please note, this site is not liable for the quality of Partner services or the availability, accuracy, or suitability of their offerings.

2.11. This site does not provide advice on insurance products or endorse any specific Partners. You are responsible for your financial decisions based on information received.

2.12. By using our Services, you consent to our collection, storage, and transfer of your information as described in our Privacy Policy.

2.13. The Website may link to third-party websites and services, which we do not control or endorse. We are not responsible for their content or legality.

3. User’s Representations and Warranties

3.1. You acknowledge that providing incorrect information may affect the Website's value to you.

3.2. You confirm that:

3.2.1. You have the legal authority and capacity to agree to these Terms of Use.

3.2.2. You will not impersonate others or misrepresent your identity.

3.2.3. You understand that Partner quotes and services may vary and are not guaranteed to be the best available.

3.2.4. You acknowledge our lack of responsibility for product availability.

3.3. You warrant that:

3.3.1. The information you provide is accurate, current, and complete.

3.3.2. You are at least 13 years old (or have parental/guardian consent if under 18).

4. Intellectual Property

4.1. The Website's content, including text, graphics, and trademarks, is owned by this site or our licensors and is protected by copyright and other laws.

4.2. You are granted limited, personal, non-commercial use of the Website's content, provided you do not modify it and retain legal notices.

4.3. You may not use, reproduce, or distribute the content without our prior written consent.

4.4. Any feedback you provide may be used by us without restriction.

4.5. Trademarks and logos on the Website are owned by this site or our licensors and may not be used without permission.

4.6. We comply with the DMCA and respond to copyright infringement notices and counter-notices.

5. Restrictions on Use of the Website

5.1. You may not rent, sell, or modify the Website or its content.

5.2. You agree not to interfere with the Website's security or integrity.

5.3. Unauthorized use may result in legal action and liability for damages.

6. Limitations on Liability, Disclaimers, and Indemnification

6.1. The Website may not be available in all locations or languages.

6.2. We make no representation that the Website is available everywhere.

6.3. Use of the Website where prohibited is not allowed.

6.4. You use the Website at your own risk and are responsible for compliance with applicable laws.

6.5. We are not an insurer and do not guarantee Partner quotes or services.

6.6. We do not validate Partner qualifications or investigate their offerings.

6.7. Insurance terms and conditions are determined solely by the insurers.

6.8. You are responsible for researching Partners and their offerings.

6.9. We do not endorse insurance products or Partners and recommend seeking advice from qualified professionals.

6.10. Quotes provided are based on information from Partners and may not be current or accurate.

6.11. THE SITE, SERVICES, AND CONTENT ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND.

6.12. We are not liable for damages to your computer or property due to using the Website.

6.13. We are not liable for damages arising from or related to Partner services.

6.14. OUR LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

6.15. You agree to indemnify us from claims arising out of your use of the Website.

7. Modifications

7.1. We may modify or discontinue parts of the Website without notice.

7.2. We are not liable for any changes to the Website.

8. U.S. Government Restricted Rights

8.1. Government use of the Website is subject to restrictions.

8.2. Use by the U.S. Government must comply with applicable laws.

9. Notice to California Residents

9.1. California residents may contact us for complaint resolution.

10. Governing Law and Choice of Forum

10.1. These Terms of Use are governed by the laws of the State of California, without considering conflicts of law principles. Pursuant to Section 10 below, which mandates disputes be resolved through binding arbitration or small claims court, if litigation is allowed, the User and this site agree to submit exclusively to the jurisdiction of state and federal courts in LosAngeles County, California, for all disputes.

10.2. In the interest of efficiency and cost-effectiveness, disputes between you and this site will be resolved through binding arbitration or small claims court, rather than general jurisdiction courts (“Agreement to Arbitrate”).

10.3. Arbitration, conducted by a neutral arbitrator instead of a judge or jury, is less formal than court proceedings and involves more limited discovery, subject to minimal court review. Arbitrators can award the same types of relief as courts, but only to the extent necessary for the individual party’s claims. Class arbitrations and actions are not permitted. You acknowledge that arbitrators may grant relief only to the individual party seeking it, without affecting other users.

10.4. BY AGREEING TO THESE TERMS, YOU AND THIS SITE WAIVE THE RIGHT TO A JURY TRIAL OR PARTICIPATION IN CLASS ACTIONS.

10.5. Both parties agree to arbitrate all disputes and claims, broadly interpreted to include claims arising from our relationship, whether contractual, tortious, statutory, fraudulent, or otherwise, even those predating these Terms or any prior versions. This includes claims not covered by ongoing class actions in which you are not a class member, and those arising after these Terms end.

10.6. Notwithstanding Section 10, neither party waives rights to:

10.6.1. Pursue individual claims in small claims court;

10.6.2. Seek enforcement from federal, state, or local agencies where applicable;

10.6.3. Seek injunctive relief in any competent court; or

10.6.4. File lawsuits in court regarding intellectual property infringements.

10.7. Arbitration follows the American Arbitration Association’s Commercial Dispute Resolution Procedures and Supplementary Procedures for Consumer-Related Disputes (“AAA Rules”), modified by these Terms, and is administered by the AAA. AAA Rules and forms are available online at www.adr.org, or by contacting this site.

10.8. Before arbitration, the initiating party must send a certified mail Notice of Dispute to the other party at: 5470 Frazier Lake Rd, Gilroy, CA 95020 (“Notice Address”).

10.9. The Notice must:

10.9.1. Describe the claim’s nature and basis;

10.9.2. Specify relief sought (“Demand”). If unresolved within 30 days, arbitration may begin.

10.10. If arbitration is initiated under these Terms, this site may reimburse your arbitration filing fee upon request, unless your claim exceeds $10,000 (decided by AAA Rules). Frivolous claims may require reimbursement of arbitration fees paid by this site on your behalf under Federal Rule of Civil Procedure 11(b).

10.11. Claims of $10,000 or less may use document-based arbitration, telephonic hearings, or in-person hearings per AAA Rules. All in-person hearings occur in Los Angeles County, California. The arbitrator issues a reasoned written decision, explaining findings and conclusions.

10.12. Unless agreed otherwise, the arbitrator may not consolidate claims or preside over representative or class proceedings.

11. Miscellaneous

11.1. Invalidity of any provision won’t affect this Terms of Use’s validity; enforceability issues are resolved to uphold intent under applicable law.

11.2. This Terms of Use isn’t modified by prior dealings; failure to enforce provisions or require performance won’t waive rights. Claims must be filed within one year; prevailing party in litigation enforces this Terms of Use gets reasonable attorneys’ fees. Section headings are for convenience, not legal effect.

12. Third-Party Services

12.1. Cloudflare

12.1.1. We use Cloudflare to enhance the security and performance of our Website. Cloudflare may collect certain personal data as described in their privacy policy. For more information, please review the Cloudflare Privacy Policy.

12.2. Meta Events Manager

12.2.1. We use Meta Events Manager to track and analyze user interactions on our Website. Meta Events Manager may collect certain personal data as described in their privacy policy. For more information, please review the Meta Events Manager Privacy Policy.

13. Communications Regarding Your Insurance Needs

13.1. Visiting this site’s Website or emailing us constitutes electronic communication. Notices may be sent by mail or posted on the Website.

13.2. By providing your contact information, you authorize calls, emails, or texts regarding:

13.2.1. Insurance needs or quotes,

13.2.2. Service issues, and/or

13.2.3. Relevant information or offers.

13.3. We may contact you at any provided number.

13.4. Consent allows use of automated messages and dialing systems. Consent isn’t required for purchases; call 1-424-877-4249 for details.

13.5. Withdraw consent by contacting us at: contact@adrocketry.com.