Legal

Terms of Service

Last Updated: September 30, 2026

1. Introduction and Acceptance

These Terms of Service ("Terms") govern your access to and use of the website located at insurancequote.click and any related pages, tools, and calculators (collectively, the "Site") and the services offered through it (the "Service"). The Site is operated by AdvanceCalculator ("AdvanceCalculator," "we," "us," or "our").

By accessing or using the Site or Service, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree, do not use the Site or Service.

Please read carefully: these Terms contain a binding arbitration agreement and class action waiver (Section 18). Unless you opt out as described in Section 18, you and we agree to resolve disputes through individual binding arbitration and waive the right to a jury trial or to participate in a class action.

2. Changes to These Terms

We may modify these Terms at any time by posting the revised version on the Site and updating the "Last Updated" date above. Changes take effect when posted. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms. If you do not agree to the changes, stop using the Site.

3. Eligibility

The Service is intended only for residents of the United States. By using the Site, you represent and warrant that:

you are at least 18 years old (or the age of majority in your state, if higher) and have the legal capacity to enter into these Terms;
you reside in the United States;
you are acting on your own behalf and not on behalf of any other person; and
you will use the Site only for personal, non-commercial purposes.

4. Our Service

AdvanceCalculator provides a free, online loan payment calculator and educational information to help you estimate potential loan payments. When you choose to continue from the Site, we refer you to one or more third-party websites operated by lenders, lending networks, lead aggregators, or other financial service providers (collectively, "Partners"), where you may submit a request to be matched with loan offers.

We are not a lender

We are not a lender, creditor, broker, loan arranger, or financial institution, and we are not an agent or representative of any lender.
We do not make loans, credit decisions, or loan offers, and we do not solicit or accept loan applications on behalf of any lender.
We do not guarantee that you will be matched with a lender, receive a loan offer, be approved, or receive any particular amount, rate, term, or funding time.
Not all Partners operate in all states, and the Service may not be available in all states. The Service is void where prohibited.

Compensation

The Service is free to you. We are compensated by Partners, advertising networks, and other marketers when you click through to their websites, submit information to them, or take other actions. This compensation may influence which Partners are presented to you and in what order. It does not affect whether a lender approves you or the terms a lender offers you.

5. Calculator Results and Example Rates

All figures displayed by our calculator — including loan amounts, terms, APRs, monthly payments, total repayment amounts, interest, and repayment schedules — are hypothetical, representative examples for illustration only. They are not an offer of credit, a pre-qualification, a quote, or a commitment by us or any lender.

Actual loan amounts, APRs, fees, terms, and payments are determined solely by the lender based on its own criteria, which may include your credit history, income, state of residence, and other factors.
The APR you are actually offered, if any, may be significantly higher than any example shown on the Site. Some lenders may charge origination or other fees.
Statements about decision times, funding speed, or early repayment reflect what some Partners may offer and are not guaranteed.
Always review the lender's final loan agreement and disclosures, including the APR, finance charge, total of payments, and any fees, before accepting any loan.

6. How the Service Works

When you click "Continue" or a similar button, you will be redirected to a Partner's website or form. Any information you submit there is collected by that Partner and is governed by the Partner's own terms, privacy policy, and consents — not by these Terms. Partners may share your information with their own networks of lenders and service providers.

If you provide any information on our Site, you agree that it will be true, accurate, current, and complete, and that you will not impersonate any person or submit information on behalf of another person. We do not verify the information you provide.

If a lender is interested in your request, you may be redirected to that lender's website. Your relationship with any lender or Partner is solely between you and that party. You are under no obligation to accept any offer.

7. Credit Checks

We do not obtain or review your credit report. Partners and lenders you are connected with may obtain information about you from consumer reporting agencies such as Experian, Equifax, or TransUnion to evaluate your request. An initial inquiry may be a "soft" inquiry that does not affect your credit score; however, if you proceed with a lender, the lender may perform a "hard" credit inquiry, which may affect your credit score. Each lender's practices are disclosed by that lender.

8. Communications and Consent

Any consent to be contacted by telephone, text message (SMS), or prerecorded or automated means is requested and obtained by the Partner on its own form, under its own disclosures. Please read those disclosures carefully before submitting.

If you provide your email address or phone number directly to us, you agree that we may contact you regarding your inquiry and, where permitted by law and with any required consent, send you marketing messages about loan and financial products. You may opt out at any time by clicking "unsubscribe" in an email, replying STOP to a text message, or emailing us at [email protected]. Message and data rates may apply. Opting out of our messages does not stop messages from Partners who already have your information; contact them directly.

9. Electronic Communications

By using the Site, you consent to receive agreements, notices, disclosures, and other communications from us electronically, including by posting them on the Site or sending them by email. You agree that all electronic communications satisfy any legal requirement that such communications be in writing.

10. Prohibited Uses

You agree not to:

provide false or misleading information, impersonate any person, or submit information on behalf of someone else;
use the Site for any unlawful, fraudulent, or unauthorized purpose;
use bots, scrapers, crawlers, or other automated means to access, copy, or collect data from the Site;
generate fraudulent clicks, impressions, leads, or other artificial activity;
attempt to gain unauthorized access to, probe, or test the vulnerability of the Site or its systems;
interfere with the Site's operation, including by transmitting viruses or malicious code or overloading our infrastructure;
copy, modify, reverse-engineer, or create derivative works of the Site or its content, except as expressly permitted.

We may suspend or block your access to the Site at any time, without notice, if we believe you have violated these Terms.

11. Third-Party Websites

The Site contains links to, and redirects to, websites operated by third parties, including Partners and advertisers. We do not control, endorse, or assume responsibility for their content, products, services, privacy practices, or fees, and we do not investigate or verify their licensing. Your use of third-party websites is at your own risk and subject to their terms and policies. We recommend verifying that any lender is properly licensed in your state before entering into any agreement.

12. Not Financial Advice

Content on the Site is for general informational purposes only and is not financial, legal, tax, or credit advice. Borrowing money has costs and risks. Short-term and small-dollar loans can be expensive and are not a long-term solution to financial difficulties. Consider your ability to repay, compare offers, and consult a qualified professional if you are unsure. You are solely responsible for your financial decisions.

13. Intellectual Property

The Site and all of its content, including text, graphics, logos, the calculator, and software, are owned by us or our licensors and are protected by intellectual property laws. We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Site for your personal, non-commercial use in accordance with these Terms. All other rights are reserved.

14. Disclaimer of Warranties

The Site and Service are provided "as is" and "as available," without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, title, accuracy, and non-infringement. We do not warrant that the Site will be uninterrupted, secure, or error-free, that calculator results are accurate for your situation, or that you will obtain any loan or particular result through the Service. We disclaim all liability for the products, services, acts, and omissions of Partners, lenders, and other third parties. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

15. Limitation of Liability

To the fullest extent permitted by law, in no event will we or our officers, employees, agents, or affiliates be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost profits, lost data, or loss of privacy, arising out of or related to your use of the Site, the Service, or any third-party website, product, or loan, even if advised of the possibility of such damages. Our total liability to you for all claims will not exceed one hundred U.S. dollars (US $100.00).

Some jurisdictions do not allow the limitation or exclusion of certain damages; in those jurisdictions, our liability is limited to the fullest extent permitted by law.

16. Indemnification

You agree to defend, indemnify, and hold harmless us and our officers, employees, agents, affiliates, successors, and assigns from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your breach of these Terms; (b) your misuse of the Site or Service; (c) your dealings with any Partner, lender, or other third party; (d) information you submit; or (e) your violation of any law or third-party right.

17. Governing Law

These Terms are governed by the Federal Arbitration Act and, to the extent not preempted, the laws of the State of Nevada, without regard to its conflict-of-law principles. Any claim you may have arising out of or relating to the Site, the Service, or these Terms must be brought within one (1) year after it arises, or it is permanently barred, to the extent permitted by law.

18. Arbitration Agreement and Class Action Waiver

Please read this section carefully. It affects your legal rights, including your right to file a lawsuit in court and to have a jury hear your claims.

Informal resolution. Before starting arbitration, you and we agree to try to resolve any dispute informally for at least 60 days after written notice is sent. Notices to us must be sent to [email protected].

Binding arbitration. If the dispute is not resolved informally, you and we agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Site, or the Service ("Dispute") will be resolved exclusively by final and binding arbitration before a single arbitrator administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (available at www.adr.org). Payment of filing, administration, and arbitrator fees will be governed by the AAA rules. The arbitrator will decide questions of arbitrability. Either party may instead bring an individual claim in small claims court if it qualifies.

Class action waiver. You and we may bring claims against each other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate claims of more than one person. If this class action waiver is found unenforceable as to a particular Dispute, then this arbitration agreement will not apply to that Dispute, and it will be decided in court.

Jury trial waiver. To the extent any Dispute proceeds in court rather than arbitration, you and we waive the right to a jury trial.

Venue. If this arbitration agreement does not apply or is found unenforceable, Disputes will be resolved exclusively in the state or federal courts located in Clark County, Nevada, and you and we consent to personal jurisdiction there.

Right to opt out. You may opt out of this arbitration agreement by emailing [email protected] within 30 days after you first use the Site, with the subject line "Arbitration Opt-Out" and your name and email address. Opting out will not affect any other part of these Terms.

Changes. Any future change to this Section will not apply to a Dispute of which we had written notice before the change took effect. This Section survives termination of your use of the Site.

19. Miscellaneous

These Terms and the Privacy Policy are the entire agreement between you and us regarding the Site and Service. If any provision is held invalid or unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our prior written consent; we may assign them without restriction. Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship. Headings are for convenience only.

20. Contact Us

Questions or notices regarding these Terms may be sent to:

Email: [email protected]