Terms of Service

1. Our Role and Business Model

ZikQuote is a marketing, project-estimate, and quote-request platform that connects consumers with independent home-service businesses. We do not perform, supervise, or warrant home-service work and are not your contractor, insurer, lender, broker, agent, or professional adviser. A request does not hire anyone or obligate you to purchase work.

We may share or sell request information to contractors, service providers, and marketing or marketplace partners, subject to applicable law, your choices, and the disclosures presented to you. We may be paid for introductions, leads, advertising, or related services. You do not acquire a right to that compensation by submitting a request. Commercial relationships may influence which providers are available or presented to you; the Services do not compare every provider in your area.

ZikQuote is not a consumer reporting agency, and our information is not offered as a consumer report. You may not use the Services to determine eligibility for credit, insurance, employment, housing, or another purpose governed by consumer-reporting law.

2. Eligibility

You may use the Services only if you:

• Are at least 18 years old
• Are legally able to enter into a binding agreement
• Are located in the United States
• Will use the Services only for lawful purposes
• Have authority to submit the information you provide
• Agree to these Terms and acknowledge our Privacy Policy

If you use the Services on behalf of another person, property owner, business, or entity, you represent that you have authority to do so.

3. Requests, Introductions, and Informational Content

The Services may let you describe a project, receive a preliminary cost range, request quotes, connect with independent providers, and receive related communications. You remain free to compare providers, decline offers, or decide not to proceed.

4. No Guarantee of Quotes or Project Outcomes

We do not guarantee a match, any number of responses, a quote, availability, savings, appointment, financing, or completed project. We do not guarantee a provider's credentials, pricing, safety, workmanship, timing, or ability to resolve a dispute. Any screening we perform or receive is limited, may vary by provider and market, and may rely on third-party or self-reported information. It is a point-in-time check, not a continuing certification or guarantee.

Independently verify current licensing, insurance, references, qualifications, permits, written pricing, and contract terms before hiring or paying a provider. An introduction or listing alone is not an endorsement or warranty. Section 10 explains your separate relationship with the provider.

5. Estimates and Instant Quotes

An automated “estimate,” “instant quote,” “project range,” or calculator result from ZikQuote is a preliminary informational range, not a contractor's bid, binding offer, appraisal, inspection, or promise of the amount you will pay. It is distinct from a quote an independent provider gives you directly.

Ranges use your answers, available pricing data, assumptions, and calculations that may be incomplete, outdated, or incorrect. Actual prices may differ materially because of measurements, property condition, materials, labor, location, availability, permits, code requirements, concealed damage, timing, or scope changes. We do not warrant a range's accuracy, completeness, currency, or suitability for your project.

Obtain an appropriate inspection, written provider quotes, and any necessary professional advice before committing to work or making financial or insurance decisions. Your separate provider agreement determines scope and price. Subject to section 18, ZikQuote is not responsible for differences between its preliminary range and a provider's actual quote, charges, or project outcome.

6. Your Information and Representations

You represent and warrant that:

• All information you provide is accurate, current, complete, and not misleading
• You have the right to provide the name, phone number, email address, property address, photos, project details, and other information submitted
• Any phone number or email address you provide belongs to you, and you are the subscriber, account holder, or customary user authorized to give the requested communication consent
• You are the property owner or have authority to request information about the property
• Your use of the Services will not violate any law, contract, rights of another person, or these Terms
• You will not submit false, fake, fraudulent, spam, abusive, or unlawful requests
• You will not use the Services to harass, defraud, impersonate, or harm another person

You are solely responsible for the information you submit.

7. Request Information and Privacy Choices

When you submit a request, we process the information needed to provide the requested Services as described in our Privacy Policy and the disclosures shown with the form. Request information may reach independent providers or partners, including intermediaries that share or sell it to other providers. Those recipients may have their own privacy notices and legal obligations.

Accepting these Terms is not blanket consent to every use, disclosure, sale, or sharing of information. Processing remains subject to applicable law, required consents, and your privacy choices. The Privacy Policy describes information categories, purposes, recipients, retention, and how to exercise applicable rights, including rights to opt out of sale, sharing, or targeted advertising. Nothing here waives those rights or replaces an affirmative choice required by law.

8. Calls, Texts, and Emails

Communications are governed by the contact disclosure you affirmatively accept and our Communication Terms. Depending on that disclosure and applicable law, ZikQuote and the identified participating companies may call, text, or email about your request and related offers, including with automated technology or artificial, prerecorded, or AI-generated voices where authorized. Agreement to these Terms alone does not supply marketing consent or expand the recipients, channels, technologies, or purposes you authorized.

Consent is not a condition of purchasing goods or services. Message frequency varies; message and data rates may apply. An independent seller must obtain its own direct, seller-specific agreement for prerecorded or artificial-voice telemarketing when the law requires it; ZikQuote's disclosure does not replace that agreement.

Revoke consent through any legally reasonable method, including telling the caller, replying STOP to a text where supported, using an email unsubscribe link, or contacting hello@zikquote.com or 401-314-3394. Requests must be honored as soon as practicable and within the period required by law. An opt-out from one independent sender may not reach every other sender. Call recording requires any notice and consent applicable law requires. We may retain consent and opt-out evidence as described in our Privacy Policy.

9. Electronic Signatures and Records

An affirmative electronic action intended as a signature may have the same effect as a handwritten signature to the extent permitted by law. A button click, typed name, or submission is evidence of agreement only in its actual context; providing a phone number or email address alone does not establish every form of consent.

We may communicate ordinary service information electronically and retain submission, acceptance, and consent records as described in our Privacy Policy. You may save or print these Terms and contact us for a copy. If a law requires a record in writing or separate consent to electronic delivery, we will provide the required disclosure and obtain that consent; this section does not substitute for those requirements.

10. Independent Providers and Third-Party Services

Home-service providers and other independent recipients of a request operate their own businesses; an introduction does not make them ZikQuote employees, agents, or joint venturers. We do not supervise their personnel, work, or independent business practices. Quotes, inspections, scheduling, contracts, payments, cancellation rights, workmanship, warranties, safety, and disputes concerning their work are between you and the provider. These Terms do not replace or alter your separate provider agreement.

Deal directly with your provider about its work, charges, or warranty. Linking to a third-party website or making a third-party offer available does not mean we control its content, privacy practices, or performance. Review the applicable terms before using it. These provisions do not exclude responsibility that the law imposes on ZikQuote for its own conduct.

11. No Obligation to Hire; Separate Provider Terms

A request is an invitation for information or contact, not acceptance of a provider's contract. You decide whether to hire and are responsible for reviewing the scope, total price, payment schedule, permits, insurance, warranties, and cancellation provisions of any proposed agreement. Do not send payments or sensitive financial information merely because someone claims to have received your request.

12. Your Content and Feedback

You retain ownership of photos, project descriptions, reviews, feedback, messages, and files you submit ("User Content"). You grant ZikQuote a nonexclusive, worldwide, royalty-free license to host, reproduce, format, analyze, transmit, and use that content to operate, improve, secure, and provide the Services, including presenting your request to providers. We may sublicense those rights to parties assisting with those purposes and transfer the license with the relevant business, subject to applicable privacy law.

You must have the rights needed to submit content and grant this license. Do not submit another person's confidential information or material that violates their rights. Marketing use of identifiable personal information remains subject to the Privacy Policy and any consent required by law. This license does not override deletion or other privacy rights; lawful record retention and copies already shared remain subject to that policy.

We may moderate or remove unlawful, fraudulent, abusive, infringing, or irrelevant content. Nothing in these Terms prohibits honest reviews, lawful complaints, reporting concerns to regulators, or cooperation with an investigation. You do not transfer ownership of any review to us and will not be penalized for an honest negative review.

Contractor names, logos, and other business materials displayed in a match, business site, or related messaging notice are used under the applicable business's separate authorization or another lawful basis. A homeowner's form submission does not grant rights in a contractor's assets or authorize access to its website. Authorized access may include automated reading (scraping) of public business pages and browser rendering of JavaScript-loaded content, without bypassing access restrictions. Those business authorizations cover only the requested service and do not establish an endorsement, ownership transfer, or permission for unrelated advertising. The contractor remains the provider of its own services; applicable business and platform notices identify their respective responsibilities. These Terms do not impose a contractor's asset-license release or indemnity on a homeowner.

13. Prohibited Conduct

You may not:

• Submit false, misleading, fraudulent, or unauthorized information
• Submit another person's contact information or purport to consent for them without legally sufficient authority
• Use the Services for spam, harassment, abuse, fraud, or illegal activity
• Interfere with the Services or security systems
• Use unauthorized bots, bulk scraping, data harvesting, or automated submissions; bypass access restrictions or rate limits; or collect information about other users
• Attempt unauthorized access to systems, data, accounts, or networks
• Copy, reverse engineer, modify, or commercially exploit protected parts of the Services except as authorized by us or permitted by law
• Upload malicious code, viruses, or harmful files
• Misrepresent your identity or authority
• Violate the rights of ZikQuote, users, contractors, or third parties
• Disrupt the Services, overwhelm their capacity, or use them to create fake leads, impersonate a provider, or divert another user's request without authorization

These restrictions do not prohibit lawful accessibility tools, ordinary search-engine indexing consistent with published access instructions, honest reviews, or legally protected research and reporting. We may investigate suspected abuse and restrict access as described in section 25.

14. Intellectual Property

The Services, including all websites, landing pages, software, forms, copy, designs, logos, trademarks, service marks, graphics, content, workflows, databases, and technology, are owned by ZikQuote or its licensors and are protected by intellectual property laws.

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to use the Services for personal, lawful, non-commercial purposes.

No rights are granted except as expressly stated in these Terms.

15. Privacy

Our Privacy Policy explains how we collect, use, disclose, share, sell, and retain information. By using the Services, you acknowledge that notice. The Privacy Policy is not a waiver of any nonwaivable privacy right.

16. Availability and Changes

We may update, modify, suspend, discontinue, or restrict the Services at any time, with or without notice.

We do not guarantee that the Services will be available, uninterrupted, secure, accurate, error-free, or free from harmful components.

We are not responsible for delay or failure caused by events beyond our reasonable control, including failures of networks, hosting, utilities, vendors, data sources, telecommunications, labor, government action, natural events, cyberattacks, or other force-majeure events.

17. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS."

ZIKQUOTE DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AVAILABILITY, SECURITY, RELIABILITY, QUALITY, AND COURSE OF DEALING.

WE DO NOT WARRANT THAT THE SERVICES, ESTIMATES, MATCHES, THIRD-PARTY CONTACTS, CONTRACTOR INFORMATION, OR CONTENT WILL BE ACCURATE, COMPLETE, TIMELY, SECURE, ERROR-FREE, OR SUITABLE FOR YOUR NEEDS.

18. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ZIKQUOTE, AURADOX ENTERPRISES LLC, AND THEIR OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES, SERVICE PROVIDERS, LICENSORS, AND REPRESENTATIVES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE, OR ENHANCED DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR RELATED TO THE SERVICES, YOUR USE OF THE SERVICES, YOUR SUBMITTED INFORMATION, THIRD-PARTY CONDUCT, CONTRACTOR SERVICES, COMMUNICATIONS, OR THESE TERMS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF: (A) ONE HUNDRED U.S. DOLLARS (USD $100), OR (B) THE AMOUNT YOU PAID DIRECTLY TO ZIKQUOTE FOR USE OF THE SERVICES IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE.

SECTIONS 17 AND 18 DO NOT EXCLUDE OR LIMIT LIABILITY FOR FRAUD, WILLFUL MISCONDUCT, GROSS NEGLIGENCE, OR ANY INJURY, STATUTORY REMEDY, OR OTHER LIABILITY THAT CANNOT LAWFULLY BE EXCLUDED OR LIMITED. They do not waive nonwaivable consumer rights or excuse deceptive claims. Where a particular exclusion or limit is prohibited, it does not apply to that liability; the remaining lawful provisions continue to apply.

19. Responsibility for Misuse and Third-Party Claims

To the extent permitted by law, you agree to indemnify and hold harmless ZikQuote, AuraDox Enterprises LLC, and their officers, employees, agents, affiliates, and licensors from third-party claims, damages, and reasonable defense costs, including reasonable attorneys' fees, to the extent caused by your fraud, unlawful misuse of the Services, material breach of these Terms, or submission of content that infringes another person's rights. This does not require you to pay for our negligence, misconduct, violation of law, or a claim arising solely from your ordinary lawful use, contractor selection, or exercise of consumer rights.

We will provide prompt notice of a claim, subject to any actual prejudice from a delay, and reasonable cooperation. We may control the defense with appropriate counsel. You may participate at your expense, and neither party may settle a claim in a way that admits fault by, or imposes a nonmonetary obligation on, the other without its reasonable consent. No obligation applies to the extent prohibited by law.

20. Arbitration Agreement

Please read this section carefully. It affects your legal rights.

Before starting arbitration, you must send a written Notice of Dispute to hello@zikquote.com with the subject line Notice of Dispute. Before starting arbitration against you, ZikQuote must send its notice to your last provided email or other available contact address. The notice must include the claimant's name and contact information, the facts and legal basis of the dispute, and the relief requested. The parties will attempt in good faith to resolve the dispute for 30 days after receipt. Any applicable limitations period is tolled during that 30-day period. Either party may seek urgent interim relief or file to preserve a claim when necessary; this process does not limit reports to government agencies or their powers.

Except for claims that qualify for small claims court or claims seeking injunctive relief for intellectual property misuse, unauthorized access, or security abuse, any dispute, claim, or controversy arising out of or relating to these Terms, the Services, our Privacy Policy, your information, communications, or your relationship with ZikQuote will be resolved by final and binding arbitration on an individual basis, provided a valid agreement to arbitrate was formed. Either party may elect small claims court for an eligible individual claim while it remains there. Claims that applicable law makes nonarbitrable are excluded.

This arbitration agreement is governed by the Federal Arbitration Act. Arbitration will be administered by the American Arbitration Association (AAA) under its then-current Consumer Arbitration Rules and applicable Mass Arbitration Supplementary Rules, available at adr.org, unless the parties agree in writing to another provider. If AAA is unavailable and the parties cannot agree on a substitute, either may ask a court to appoint a neutral under 9 U.S.C. § 5, with equivalent consumer protections. If AAA declines because ZikQuote fails to pay required fees or comply with its consumer standards, you retain any right under those rules or applicable law to proceed in court.

Arbitration may occur by documents, telephone, video, or in person under the AAA rules. Any in-person hearing will occur in a location reasonably convenient to you unless the parties or arbitrator agree otherwise. Fees will be allocated under the AAA Consumer Rules, but ZikQuote will pay amounts the law or those rules require it to pay. The arbitrator may award the same individual remedies a court could award and will issue a reasoned written decision. A court may enter judgment on the award.

The arbitrator will have authority to resolve disputes regarding arbitrability, enforceability, interpretation, and scope of this arbitration agreement, except that courts will decide disputes regarding the class action waiver below and whether a valid arbitration opt-out was submitted, whether an agreement was formed, and any issue the law reserves for a court. No delegation overrides a nonwaivable right to a judicial determination.

You may opt out of this arbitration agreement by emailing hello@zikquote.com within 30 days after the first date you accept these Terms. Use the subject line Arbitration Opt-Out and include your full name, the phone number and/or email address you used with the Services, and a clear statement that you opt out of arbitration. No additional account or phone number is required. Opting out will not affect your ability to use the Services. The arbitration agreement, class action waiver in section 21, and jury trial waiver in section 22 will not apply to you; the other Terms remain in effect. An opt-out applies only to the person who submitted it and a valid prior opt-out remains effective.

21. Class Action Waiver

You and ZikQuote agree that each may bring claims against the other only in an individual capacity and not as a plaintiff, class member, or representative in any class, collective, consolidated, private attorney general, or representative proceeding.

The arbitrator may not consolidate claims of multiple persons or preside over any class, collective, consolidated, or representative proceeding.

Nothing here waives a right to seek public injunctive relief or another remedy that cannot lawfully be waived. If applicable law requires a court to decide such a request, that request may proceed there; other arbitrable claims remain in arbitration to the extent permitted by law. AAA's applicable mass-arbitration procedures for individual claims are not prohibited consolidation. If the class action waiver is unenforceable as to a particular claim, that claim proceeds in court, not arbitration. Sections 20 through 22 do not limit a government agency's authority or your right to contact one.

22. Jury Trial Waiver

To the maximum extent permitted by law, you and ZikQuote waive any right to a jury trial for any dispute arising out of or relating to these Terms, the Services, our Privacy Policy, your information, communications, or your relationship with ZikQuote.

23. Governing Law

These Terms are governed by the laws of the State of Connecticut, without regard to conflict-of-law principles, except to the extent federal law applies or preempts state law. This choice does not deprive you of nonwaivable protections of the law of your state of residence.

24. Venue

For any dispute not subject to arbitration, you agree to exclusive jurisdiction and venue in the state or federal courts located in Connecticut, and you consent to personal jurisdiction in those courts. This is subject to section 20's small-claims option and any nonwaivable right to bring a claim in another court under applicable consumer law.

25. Termination

We may suspend, restrict, block, or terminate your access to the Services at any time, with or without notice, for any reason, including suspected fraud, abuse, security risk, legal risk, violation of these Terms, or operational needs, subject to applicable law. Termination does not eliminate accrued rights, required notices, or your ability to exercise privacy rights, withdraw communications consent, or contact us about a dispute.

Sections that by their nature should survive termination will survive, including sections relating to information use, intellectual property, disclaimers, limitation of liability, indemnification, arbitration, class action waiver, governing law, and venue.

26. Assignment

You may not assign or transfer these Terms without our prior written consent.

We may assign, transfer, delegate, or sublicense these Terms or our rights and obligations at any time, including in connection with a merger, acquisition, financing, sale of assets, restructuring, bankruptcy, corporate transaction, or by operation of law, subject to applicable law. An assignment does not reduce your accrued or nonwaivable rights or override restrictions on transfer of personal information.

27. Severability

If any provision of these Terms is found invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect. The invalid, illegal, or unenforceable provision will be modified to the minimum extent necessary to make it valid and enforceable, if permitted by law.

28. No Waiver

Our failure to enforce any provision of these Terms is not a waiver of that provision or any other provision.

29. Entire Agreement

These Terms, together with any additional terms presented to and accepted by you, constitute the entire agreement between you and ZikQuote regarding the Services and supersede all prior or contemporaneous agreements, communications, and understandings regarding the Services. Our Privacy Policy and other notices describe our practices but do not waive statutory rights. A specific disclosure you accepted about communications controls the scope of that consent; general language in these Terms does not enlarge it. A separate written agreement that expressly governs a particular service controls a conflict concerning that service.

30. Updates to These Terms

We may revise these Terms and post a new “Last Updated” date. Revisions apply prospectively after their stated effective date and valid acceptance where required. We will provide reasonable notice of material changes through the Services or another appropriate channel and obtain renewed assent when applicable law requires it.

Posting alone does not establish acceptance. Continued use constitutes acceptance only when the notice and your conduct establish agreement under applicable law. A revision does not retroactively change the terms governing an accrued claim or dispute without the affected parties' agreement. Changes to arbitration require legally effective notice and assent and do not cancel a valid opt-out.

31. Contact