Terms of Service

1. Acceptance of Terms

By accessing or using YellowBus.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Site. These Terms apply to all visitors, users, and others who access the Site.

2. Description of Service

YellowBus.com is a free insurance lead generation marketplace that connects consumers with licensed insurance agents. We are not an insurance company, agency, or broker. We do not sell, underwrite, bind, or manage insurance coverage. The quotes and information displayed on our Site are provided by independent, third-party licensed insurance agents — not by YellowBus.com.

3. Educational Content Disclaimer

4. User Eligibility and Responsibilities

You must be at least 18 years of age to use this Site. By using the Site, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into this agreement.

You agree to:

• Provide accurate, current, and complete information when requesting insurance quotes.
• Use the Site only for lawful purposes and in accordance with these Terms.
• Not submit false, fraudulent, or misleading information through any form on the Site.
• Not interfere with the proper functioning of the Site or attempt unauthorized access.
• Comply with all applicable local, state, and federal laws in your use of the Site.

5. Lead Generation and Agent Connections

When you submit a quote request through our Site, you authorize YellowBus.com to share your information (name, email, phone number, ZIP code, and insurance preferences) with up to 3 licensed insurance agents in your area who offer the coverage types you've requested. These agents are independent professionals; their services, quotes, and policies are their sole responsibility.

YellowBus.com does not guarantee that any agent will contact you, that any quote will be provided, or that any quote offered will be the best available rate. We are not responsible for the actions, advice, or representations of any insurance agent.

6. TCPA and Communication Consent

By submitting a quote request form with TCPA consent checked, you expressly consent to receive autodialed or prerecorded calls, text messages, and emails from YellowBus.com and its licensed insurance agent partners regarding insurance products and services. Standard messaging and data rates may apply. Consent is not required as a condition of purchase. You may withdraw consent at any time by contacting us or replying STOP to any text message.

7. Affiliate Disclosure

8. Advertiser Disclosure

YellowBus.com is a free comparison service and is not an insurance company, agency, or broker. We do not sell insurance. We connect consumers with licensed, independent insurance agents and agencies who may offer quotes for the products described. We may receive compensation from these partners, which may influence which products or agents are featured. This compensation does not affect our commitment to providing accurate, helpful information. Insurance quotes are provided by licensed insurance partners. Coverage availability and rates vary by state and location.

9. Disclaimer of Warranties

The Site is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not guarantee the accuracy of insurance quotes, the availability of coverage, the qualifications of any insurance agent, or the suitability of any insurance product for your needs. Your use of the Site and any information obtained through the Site is at your own risk.

10. Limitation of Liability

To the fullest extent permitted by law, YellowBus.com and MFG National Holdings LLC shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, resulting from: (a) your access to or use of (or inability to access or use) the Site; (b) any content obtained from the Site; (c) any conduct or content of any third party on the Site; (d) any unauthorized access, use, or alteration of your transmissions or content. In no event shall our total liability exceed $100 USD.

11. Indemnification

You agree to defend, indemnify, and hold harmless YellowBus.com, MFG National Holdings LLC, and their officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorney's fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any rights of a third party.

12. Intellectual Property

The Site and its original content, features, and functionality are owned by YellowBus.com and MFG National Holdings LLC and are protected by international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any content on the Site without our prior written consent.

13. Third-Party Links

The Site may contain links to third-party websites or services that are not owned or controlled by YellowBus.com. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any such content, goods, or services.

14. Termination

We reserve the right to terminate or suspend your access to the Site immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms. Upon termination, your right to use the Site will cease immediately.

15. Governing Law and Disputes

These Terms shall be governed by and construed in accordance with the laws of the State of Nevada, United States of America, without regard to its conflict of law provisions. Any disputes arising out of or related to these Terms or your use of the Site shall be resolved exclusively in the state or federal courts located in Clark County, Nevada, and you hereby consent to the personal jurisdiction of such courts.

16. Changes to These Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. Continued use of the Site after any such changes constitutes your acceptance of the new Terms.

17. Contact Us