These Terms & Conditions ("Terms") govern your access to and use of autoratesnow (the "Site") and the services offered through it (the "Services"), operated by Adcore Media Limited ("Auto Rates Now," "we," "us," or "our"). Please read them carefully.
1. Acceptance of these Terms
By accessing or using the Site, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, please do not use the Site.
2. What Auto Rates Now does
Auto Rates Now is a free, advertising-supported comparison and referral service. We are not an insurance company, agency, or broker. We do not sell insurance, provide quotes, underwrite policies, or make coverage or eligibility decisions. Our role is to help connect you with third-party insurance partners, comparison platforms, and advertisers that may offer quotes or products. Any insurance transaction is solely between you and the relevant third party.
3. Eligibility
You must be at least 18 years old and able to form a legally binding contract to use the Site. The Services are intended for users located in the United States.
4. No professional advice
Content on the Site is provided for general informational purposes only and is not insurance, legal, financial, or tax advice. Coverage terms, rates, availability, and eligibility are determined solely by insurers and partners. You are responsible for evaluating whether any product is right for you.
5. Third-party services, links & offers
The Site contains links to and offers from third parties. We do not control and are not responsible for the content, products, services, privacy practices, or acts of any third party. Your dealings with third parties are solely between you and that third party, and are subject to their terms and privacy policies.
6. Consent to be contacted
If you submit a request or your contact details through a form or partner connected to the Site, you may be asked to consent to be contacted by insurance partners, agents, or their service providers — including by telephone, text message (SMS), email, or automated technology — at the number and address you provide, even if that number is on a state or federal Do Not Call list. Any such consent is provided to and governed by the relevant third party, is not a condition of purchasing any product, and message and data rates may apply. You may opt out with the third party at any time by following their instructions (for example, replying STOP to text messages).
7. Acceptable use
You agree not to: use the Site for any unlawful or fraudulent purpose; submit false, inaccurate, or another person's information without authorization; interfere with or disrupt the Site or its security; scrape, harvest, or collect data through automated means; or attempt to gain unauthorized access to any systems.
8. Intellectual property
The Site, including its text, graphics, logos, and design, is owned by or licensed to Adcore Media Limited and is protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from the Site without our prior written permission.
9. Disclaimers
The Site and Services are provided "as is" and "as available" without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Site will be uninterrupted, error-free, or secure, or that any information, rate, or offer displayed is accurate, complete, or currently available. Any savings are not guaranteed and will vary based on individual circumstances.
10. Limitation of liability
To the fullest extent permitted by law, Adcore Media Limited and its affiliates, officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising out of or related to your use of the Site, the Services, or any third-party products or services, whether based on warranty, contract, tort, or any other legal theory.
11. Indemnification
You agree to indemnify and hold harmless Adcore Media Limited and its affiliates from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of your use of the Site, your violation of these Terms, or your violation of any rights of a third party.
12. Governing law
These Terms are governed by the laws of the Hong Kong Special Administrative Region, without regard to its conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the Site shall be subject to the exclusive jurisdiction of the courts of Hong Kong, except where applicable law provides otherwise.
13. Changes to these Terms & how to contact us
We may update these Terms from time to time. Changes are effective when we post them and revise the "Last updated" date above. Your continued use of the Site means you accept the updated Terms.
Questions? Email contact@adcoremedia.net or write to Adcore Media Limited, Suite C, Level 7, World Trust Tower, 50 Stanley Street, Central, Hong Kong.